davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Ive been trying to get over draft fees removed from my account that were charged in error. Wells Fargo does not abide by their extra date of grace. Before assessing these extra fees to a customers account. I was charged XXXX overdraft fees on XX/XX/24 and XX/XX/24 after reviewing my account, these fees were assessed for XXXX transaction that posted to the account on XXXX and XXXX other transactions that posted on XX/XX/24. However, my account had funds to post to my account on XX/XX/XXXX that took care of the negative from XX/XX/XXXX transaction for {$24.00}. My account went back into the positive for {$200.00} however Wells Fargo still charged me a {$35.00} fee for that transaction. In total, I was charged XXXX overdraft fees for transactions that hit my account on XX/XX/XXXX and again on XX/XX/XXXX each of these occasions my account had funds that posted to my account however, I was not giving the extra day of grace for the transactions that hit my account on XX/XX/XXXX my extra day of grades would have been XX/XX/XXXX with the fees posting into the account for XX/XX/XXXX. None of those fees were posted on XX/XX/XXXX each of these fees from my XX/XX/XXXX transaction posted to the account XX/XX/XXXX and XX/XX/XXXX. Again for the transactions that hit my account on XX/XX/XXXX again my extra day of grace would have been XX/XX/XXXX with the fees posted to the account XX/XX/XXXX. However, I was assessed fees on XX/XX/XXXX and XX/XX/XXXX, so in both instances, Wells Fargo did not give me an extra day of grace, but I was charged these fees immediately when my account went into the negative and I requested that those fees be credited back to my account. Wells Fargo is not honoring their XXXX and XXXX policy that your account must be in the positive by the next business day XXXX XXXX XXXX time. However they are just charging these fees and its not fair to us the customers.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter on XX/XX/XXXX, to remove the following items that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. 

Account Information : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. 

As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX  XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ). In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance, with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Equifax is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-19
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (CA)

The CFPB has closed complaint XXXX as a duplicate and XXXX after receiving FDR 's response. This is a mistake. The matter is unresolved for the following reasons : XXXX, Freedom Debt Relief ( FDR ) still has custody of {$14000.00} of my money in their " program deposit '' account. See attached screenshot of my escrow account. Second, the company has refused to honor the settlement offer it negotiated and has charged settlement fees of more than {$4200.00} on this account that it must refund. Third, FDR must honor the debt validation request to show payments made to XXXX andor XXXX which it has not done, contrary to 15 U.S. Code 1692g ( b ). Fourth, FDR has provided unsatisfactory documentation. It recently came to light that FDR 's handling of the XXXX  debt did not result in the payoff that FDR represented, they have failed to provide adequate paperwork telling me to obtain it myself : " Upon receipt of your request [ for the XXXX paperwork ], we attempted to reach out to the creditor to obtain the paid in full letters, but the creditor requested you contact them directly. '' All of these actions are ongoing violations of the FDCPA and the Federal Trade Commissions Telemarketing Sales Rule.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

After completing my XXXX XXXX from XXXX University in XXXX, I elected to refinance my student loans the following year in XX/XX/XXXX. The loan consolidation process was completed by Nelnet, the data furnisher and federal student loan servicer assigned to my manage my loan accounts. After completing the consolidation process with the XXXX XXXX XXXX, I received multiple letters from Nelnet confirming the completion of my student loan consolidation totaling the lump sum of {$210000.00}. 
Following the completion of the consolidation loan, Nelnet began reporting the {$210000.00} consolidation loan as two separate loan accounts on my consumer credit profile, one loan in the amount of {$30000.00} representing the subsidized portion of the debt and a second loan in the amount of {$180000.00} representing the unsubsidized portion of debt. From the loan origination date in XX/XX/XXXX to XX/XX/XXXX ( 17 months ), Nelnet was reporting my student loan debt of {$210000.00} as XXXX separate loans. 

However in XX/XX/XXXX, Nelnet discontinued reporting the debt as two loans as indicated above and began reporting the debt as one loan. Nelnet executed this reporting change by deleting all records of the {$180000.00} loan from my consumer credit reports and subsequently reported the deleted loan as a balance increase of the {$30000.00} subsidized loan account. Despite having the knowledge that the loan had an established XXXX account history by XX/XX/XXXX, Nelnet made XXXX effort to address the reporting inaccuracies inherent to the reporting change. Nelnet knowingly implemented changes to the reporting of my student loans that created material inaccuracies to my credit profile. As of the date of this complaint, there is no record of my student my {$180000.00} loan debt from XX/XX/XXXX XX/XX/XXXX. From a risk perspective, reporting my student loan debt as a {$30000.00} installment loan established in XX/XX/XXXX that increased to {$210000.00} in XX/XX/XXXX in not only falsely representing the loan history, but it also inaccurately presents me as a higher risk consumer, falsely representing that I have incurred significant new debt in the past 12 months. As a consumer, I have a right to dispute incomplete and inaccurate information on my credit reports and yet, when I disputed these obvious inaccuracies, Nelnet and the CRAs failed to act as required by law. 

It is my hope that filing this complaint will result in swift resolution of this matter by a complete updating of my student loan account. Thank you for your prompt attention to this matter to ensure that my credit profile is accurate.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/2024 I applied to several finance companies for the purpose of refinancing my vehicle. Capital One was one of the companies I applied with. 

I received a pre-approval and an invite to complete the loan process paperwork with Capital One. However, I chose not to continue with the loan process with them. 

Now, Capital One is : 1. Sending repeated requests for vehicle title transfer paperwork to be completed. 
a. This paperwork is being sent via email b. This paperwork is being sent via US Mail c. Stating once this paperwork is completed then my loan will be completed 2. Receiving repeated phone calls a. Demanding payment on loan What I havent received from Capital One is : 1. Proof the loan has been finalized 2. Proof that Capital One actually paid the creditor
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The below listed companies have failed to give me the requested items within the 39 day time frame I have emailed them repeatedly to no avail. 

Listed are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a credit card from Capital One in XXXX of 2024 and they put XXXX hard inquiries on my credit reports I would like to get one taken off that was only one inquiry done same company same day same hard inquiry
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-08-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

I opened a {$25000.00} CD for 6 months with Wells Fargo at appx. 4.5 % interest. It matured, and instead of returning the funds, they reinvested them for 6 months at appx. 2.5 % with a penalty to withdraw. I asked them to release the funds, they refused. I have since gone through many calls and their so-called complaint and investigation procedure and the result is effectively " bad luck ''. When I insisted on them releasing the funds, they put me back into the complaint process. 

For reference, the current rate they are offering on the same duration CD is around 4.5 %, so they have trapped my money at approximately 45 % discount on the return i should have received. They say that they sent me a letter and I didn't respond so this gives them the right to do this. I received no such letter, and do not consent to my funds being trapped on these terms, subject to release only with penalty. 

Wells Fargo have a well documented history of acting without client consent, and it is on the record that this type of behavior is one of their business practices.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC. (NY)

This is an anonymous tip on a company that goes by a a XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Looks like the company in consort with a Midland Credit Management Company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been engaging in rampant and incessant attempts to collect moneys without providing any documentation whatsoever. They continue to bombard our credit health with frivolous and retaliatory negative reports and to this day -- XXXX months past, XXXX year past, XXXX  years past, XXXX years past -- and they've failed to provide any documentation whatsoever on a horrifying experience with a credit card company involving blatant discriminatory treatment, mismanagement of our properly made payments, and hang-ups when calling customer service. Nevertheless, it looks like XXXX XXXX XXXX buys these bills from credit card companies gambling on the hopes of getting a quick buck out of disastrously horrendous billing and negligent consumer credit management. The gambling, roll-of-the dice attempts by XXXX and Midland Credit Management to recover fraudulent moneys and retaliatory harm to consumers ' credit health while failing to provide any and all documentation is quite the fraudulent practice. Sure they have a template with a number figure that they demand however this avoids the millions in damages due for discriminatory treatment against unwitting, duly paying credit card consumers. Quite the negligent characters looking for a gambling, quick buck.