davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Maximus Federal Services, Inc. (SC)

XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number 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 i will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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 Balance : {$24000.00}
Consumer complaint received 2024-04-17
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. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AL)

I have checked my credit report noticed theirs a collection from to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, CREDENCE RESOURCE XXXX. Which did not send me a letter to dispute this account, which in fact require by law I have 30 days to respond to the letter. But instead this company placed it on my credit report. No Parking Rule/Refusal to pay/ Cease and Desist, they have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 


Account name XXXX & XXXX : Acct # XXXX Account name XXXX XXXX : Acct # XXXX
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Account has been reported at closed for the XXXX billing cycle ending XX/XX/XXXX. Per the attached communication the process was stop and reversed on XX/XX/XXXX. XXXX XXXX still reported the account as closed which is incorrect.
Consumer complaint received 2024-04-17
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. (VA)

The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.
Consumer complaint received 2024-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Capital one has XXXX hard inquiries on my credit report that they wont remove. Ive also reached out to the XXXX credit reporting agencies XXXX, XXXX and Transunion telling them to stop reporting. They did not abide
Consumer complaint received 2023-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (CT)

On XX/XX/XXXX I received a derogatory remark on my credit report from a Zion Holdings, a company I never had contact with and never knew anything about. I inquired to them, and they stated that they bought an old alleged debt from XXXX XXXX XXXX alleging that I signed a contract on XX/XX/XXXX engaging I believe alarm services. After incessant text messages from them I demanded to receive the contract governing this transaction and after a few weeks I received this bogus document. The bogus contract does not bear my authentic signature and is a fraud, and I sent my actual notarized signature by mail to Zion Holdings, and even though they admit it is not my signature they will not release the derogatory mark, nor will they stop collection harassment including harassing telephone calls, and texts. The two key reasons why this is fraudulent and that Zion Holdings is not operating according to laws is 1. The debt is over 6 years old, and in the states of Connecticut and New York the debt is uncollectable, and 2. The original debt was never signed by me and the debt is a fraud and is invalid. The company, Zion Holdings, despite being provided incontrovertible proof that the debt is invalid, refuses to remove the debt or any collection proceedings and is not working and operating according to collection law.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

The bank usually gets my ssdi payment on the XXXX of every month but the last few months they have told me that the money was in the account 5 days earlier on instead of the XXXX of the new month they said it was available 5 days earlier on the last few days of the month instead of having to wait another 5 days for the deposit to be made. So in example I was told by the banking website from Wells Fargo that on XX/XX/2023 that the money was available then on the XXXX they said that I was in bad standing with no explanation and alot of nsf fees look at the bank statements that I uploaded you will see what I am talking about.
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MI)

I XXXX : XXXX am submitting this complaint by my hand, there are no third parties involved. 
I XXXX XXXX, living soul, grantee absolute, beneficial owner and original creditor to open ended credit plans was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX in whole or in part of information obtained by reporting agency and third-party interloper EARLY WARNING SERVICES LLC. I was notified of this transgression of my rights on XX/XX/2023, when I created an application to open an account online, but was notified that I already had one, in which I knew I did not. I then called a fiduciary agent to inquire about the matter, a fiduciary agent informed me that I had an XXXX account and that I was clear to open a new account. I then traveled to the nearest CHASE to open an account in which I was denied. I then called a second time to inquire why I was denied, this time I was given a number to give to the fiduciary agent at the next bank I went to so that they could assure the next fiduciary agent that I was ok to open an account, however when I applied to no avail, I was denied again for the second time. The fiduciary agent was nice enough to let me know that it was due to the nature of FRAUD in relation to a company named EARLY WARNING SERVICES LLC. EARLY WARNING SERVICES has traumatized and harmed me exponentially with the adverse actions taken against me. The denial of my rights has now incurred civil damages pursuant to 15 USC 1640 ( a ) ( 3 ) ( A ) ( iii ) et al and are up to ( {$5000.00} ) or more in restitution. EARLY WARNING SERVICES LLC is now liable to pay me for the damages. 
1 Aggravated Identity Theft 2 Violation of The Privacy Act 3 Defamation 4 United Nations Declaration on The Rights of Indigenous Peoples 5 Universal Declaration of Human Rights 6 Violation of the Unfair, Deceptive, Abusive Acts or Practices 7 Violation of The Fair Credit Reporting Agency 8 Violation of the Equal Credit Opportunity Act _____________________________________________________________________ 1. Application ; see CFR Title 121002.2 ( f ). 
2. Account ; see CFR Title 121002.2 ( a ). 
3. Adverse action ; see CFR Title 121002.2 ( c ) ( 1 ) ( i ). 
4. Transgression ; ( 1 ) To violate a command or law : SIN ( 2 ) To go beyond a boundary or limit. XXXX  5. Et al ; and others or and other people. XXXX
Consumer complaint received 2024-04-17
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. (FL)

On XX/XX/2024 I was alerted my credit scores has dropped due to a closed charged off account from XXXX XXXX that has been allowed to report on my credit again and now its reporting as open once again but its charged off.
Consumer complaint received 2024-04-17
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. (VA)

The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Harris & Zide (CA)

The Law Office of HARRIS and Zide obtained and shared my nonpublic personal information WITHOUT my consent and without giving me the option to opt out of such sharing. This is identity theft. This is also in violation of 17 CFR SUBSECTION which states 248.10. 248.10 " Limits on disclosure of nonpublic personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this subpart, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 248.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 248.7 ; '' First, The Law Office of HARRIS AND ZIDE had no lawful right to obtain my nonpublic personal information. Next, The Law Office of HARRIS AND ZIDE has no lawful authority to share my no public personal information with XXXXXXXX XXXX XXXX XXXX. according to this law. As well, this could be considered harassment under the applicable United States Code if my Nonpublic personal information was sold by The Law Office of HARRIS AND ZIDE. The Law Office of HARRIS AND ZIDE is to cease all sharing of my nonpublic personal information and stop attempting to collect any fees, debts and alleged debts from me at any time.
Consumer complaint received 2023-08-31
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. (TX)

COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX XXXX. 
.
Consumer complaint received 2024-04-17
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. (CA)

15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It governs how consumer reporting agencies collect, use, and disseminate consumer credit information.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (AZ)

I wanted to sign up for a program with the company XXXX. The cost is {$7800.00}. I would put that on two credit cards, but the person I talked to said I could take a loan through Affirm instead. I saw four options on their web page to do that : a three-year loan at XXXX. ** %, a two-year loan at XXXX. ** %, a six-month loan at 0 %, and a 12-month loan at 0 %. I chose the latter. 

After the call ended, I checked my email and saw one from Affirm that included this : For your {$9300.00} loan, you'll make 12 monthly payments of {$770.00}, with an APR of 34.65 %. 

I had never been presented with a Truth in Lending Act statement and never agreed to those terms. 

I wrote an email complaining about that to Publishing.com and received a reply saying I needed to take the issue up with Affirm. I called them this morning, and with great difficulty, I explained the problem as I was connected to a call center in XXXX with a great deal of background chatter. I was told to write an email to XXXX XXXX XXXX explaining my issue. I did explain and asked them to cancel the loan. I have not received a reply. 

Even though I hope they will cancel the loan, I want to proceed with this complaint as there was a clear violation of the Truth in Lending Act. 

I am attaching their email.
Consumer complaint received 2023-09-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I received a vanilla gift card as a gift. It was for {$30.00}. The card numbers are not readable on the front so therefore I cant activate it. When I called customer service. They told me there is nothing they can do for me. This outrageous and theft. They are stealing peoples money. There are numerous other identifying numbers on the back of the card. There has to be a way for me to use this gift card.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am reaching out to address a critical matter concerning XXXX XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/2023, I sent a letter to XXXX XXXX ( XXXX Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Consumer complaint received 2023-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (MN)

Charter communications said that the equipment was not returned. They turned it over to a collection company called CBE group eport Number XXXX It was disputed with XXXX and they found that I did in fact return the equipment. They deleted it off the credit report. On XX/XX/XXXX. 
I am a XXXXXXXX XXXX XXXXXXXX getting ready to pcs move XXXX and they sold whatever information they had to XXXX XXXX. They now put this back on my credit report XXXX. XXXX after it was already settled with the previous company. This is not a debt that is owed. I now can not rent and I have a wife with XXXX XXXX XXXX and an XXXX  child.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I banked with Wells Fargo for many years but ended up closing my account because of their bad management and customer service. Had called and went in to talk to them about checks coming in and Wells cashing the biggest first in order to charge over draft fees. They did this over and over. Had money coming out of my account and was overdrafted over {$400.00} in fees at one time. Went in to try to figure out what was going on and they told me to balance my checking account. Ended up finding checks from someone else 's account being taken out of mine. This happened over a several month period. Didn't have access to the cash they took out of my account to pay my bills. When I asked them to fix it. They told me to close my account that I'd had for many years and open a new one. I did, at another bank. My mortgage was sold to them a few years later and you had to go into the bank to pay the first payment. Went in, explained what it was for. Check was written out for the exact amount for the mortgage. They ( over ) paid a credit card instead that I hadn't recieved a bill for yet and they didn't pay the mortgage. Got a notice my mortgage was late and had to go into the bank to straighten that out.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Every month BOA is charging me a late fee although I make my payment on time. Bank of America is committing fraud every single month!!! I have tried to contact them to resolve they either hang up on me or state the charges are correct although i have proof every single month that i pay on time and they charge me a late fee every single month.