davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (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 instructions 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 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I received an alert from XXXX yesterday XX/XX/ and again on XX/XX/2023 that Credit Collections Services applied {$93.00} to my credit report with no account number or information to contact them. I looked them up on XXXX and called them today XX/XX/ and spoke with XXXX XXXX. I explained to him this is not my debt as I have Car Insurance with another company and I have had it now for two years. XXXX gave the information he had which was the incorrect phone number and address that he had that supposedly belonged to me. This account was bought and sold to them and that's the information he stated he had from XXXX. XXXX proceeded to tell me I needed to let my debt collectors know my correct information. I told XXXX again not my debt and please have it removed or I would be filing a complaint because this debt was not validated and not mines and had I been contacted prior to this being put on my credit report since it was assigned to them in XXXX and it is now XXXX this incorrect and invalid information being put on my report could've been avoided. He again stated he called a XXXX telephone number which is not my number and the number I have I have had for over 2 years. He refused to have it removed and told me to go ahead and fie this complaint.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (CA)

AMERASSIST AR SOLUTIONS is falsely reporting on my credit that I owe {$660.00} in which I have never done any business with this company. Please remove this inaccurate information immediately
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as previded in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (VA)

To : Consumer Financial Protection Bureau I hope this letter finds you well. I am writing to bring to your attention an unusual situation that has recently arisen with my checking account bank ( Wise ). After months of planning my upcoming trip, I received notification from this other bank that my account and routing numbers have been changed, with only two weeks remaining before my departure. Have you heard of such a thing? 
Given the proximity of my trip, I am concerned about the timing of these changes and whether they will take effect before my next direct deposit. I find this situation to be rather bizarre and unexpected. 
I will be traveling between XXXX XXXX XXXX. I may need to use my Wise Debt Card. 
Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-10-17
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: AMERICAN EXPRESS COMPANY (NJ)

I located the following unauthorized soft inquiries : AMERICAN EXPRESS XXXX on XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-17
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. (MI)

XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 XXXX XXXXXXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-10-17
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. (IL)

Recently I did and investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting act ( XXXX ) Account # XXXX, has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Consumers have certain rights and protections under the FCRA to ensure that their credit reports are accurate and that their personal information is used appropriately. As well as the procedures for disputing and correcting errors on your credit report.
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am writing in response to a letter dated XX/XX/XXXX from XXXX regarding my account ending in XXXX. 

I received form XXXX from XXXX in XX/XX/XXXX for my XXXX tax season/refund. I went ahead and reported it to the IRS as income since the form clearly states in box 2 that {$1500.00} is an amount of debt discharged. 

It's therefore very deceiving that XXXX is indicated in their letter that the debt was not discharged and being reported to the credit bureaus accurately.

Per the IRS website concerning form 199C, it states as follows : File Form 1099-C for each debtor for whom you canceled {$600.00} or more of a debt owed to you if : You are an applicable financial entity.

An identifiable event has occurred.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Dear Sir/Madam, Commencing what appeared to be a routine financial transaction, a Wells Fargo online wire transfer was initiated just before XXXX XXXX. on XX/XX/2023, for a same-day transfer with a {$25.00} fee to a XXXX XXXX XXXX XXXX XXXX XXXX account, intended for my husband. However, this experience quickly turned distressing due to the untimely non-completion of the transfer. The repercussions of this failure have been significant, leading to a core financial loss of {$25000.00}, along with incurred additional interest charges to bridge the financial gap. It is essential that the money is promptly returned, and the financial damage resulting from the interests incurred to bridge the gap is addressed. Despite my diligent efforts to reconfirm the bank account and routing details multiple times, the issue remains unresolved, leaving me frustrated with no clear path to resolution. In light of these circumstances, I am actively pursuing a firm, expedited claim for damages due to the transfer 's failure and urgently seeking the return of the core funds
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-10-17
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. (MI)

So I was trying to buy a house and I realized I had damages on my credit report according 15 USC 1681 law there should not be any damages on my report it is a defamation to my character
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (CA)

At the beginning of 2020, when XXXX was making headlines on the weekly news, I was released from my job. This event took a huge toll on my financial well being as a XXXX XXXX  who was supporting myself independently from my family. I was forced to live on my emergency savings and credit card before I get help from the unemployment insurance. 

At the time, I only had one credit card open and it was the college XXXX credit card from Wells Fargo. I'm not sure if this program still exist at Wells Fargo as of now, since they had a complete revamp for their credit card program but that was what I had back in XXXX. I was struggling to make the minimum payments on my credit card while trying to put food on the table for myself. I tried to explain my situation to Wells Fargo but I was met with unreasonable deadlines. This situation continued until I was approve for unemployment aid. 

After I was approved for unemployment insurance, I lived frugally and saved up slowly because I wanted to pay off my debt. It took me a couple transactions but I was able to pay off the balance on my credit card. The total balance on my credit card was around {$1500.00} to {$2000.00} and it took me around 2 to 3 attempts. I will attach a screenshot in the attachment of one of the payments I have made to Wells Fargo. 

I paid off all of the remaining balance on my credit card by XXXX, 2020 and Wells Fargo closed my account. However, my credit history remains negatively impacted by Wells Fargo 's report to this day. Despite the fact that I manage to pay off my debt during one of the most unprecedented times in the XXXX, Wells Fargo 's reporting has placed a huge dent to my reputation and credibility to borrow. My credit score would barely make any upward movements even though I pay my bills on time. Banks are also less willing to offer me any credit of over {$500.00}, which puts a huge limitations as to what I can spend on. 

It is frustrating to me that this still have a huge impact to my credit. As a recent college graduate, this limitations have restricted me from getting fair rates for borrowing. My auto loans and mortgages are heavily impacted because of this. This frustrates me so much that I have made multiple phone calls to their credit card department and paid multiple visits in person to my local Wells Fargo banks and every single time it was left to no avail. I was met with employees who fails to answer my questions and prejudicial remarks because of my old credit history with them. 

I have done my utmost due diligence for my credit and this is my last resort. I hope this can connect me with a competent representative from Wells Fargo, who can provide me reasonable solutions and address my frustrations.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NE)

My servicer, MOHELA, has given contradictory and inconsistent information regarding my repayment terms and is unresponsive. On XX/XX/XXXX I submitted a request via studentaid.gov to have my income-based repayment recalculated in reflection of a reduction in my income, on which I asked for whichever payment plan had the lowest monthly payment. The FSA website estimated my monthly payment would be {$0.00} on the SAVE plan or approx. {$120.00} on the PAYE plan. 
On XX/XX/XXXX I received an electronic document ( dated XX/XX/XXXX but not received until XX/XX/XXXX ) stating my loans were placed on an administrative " processing forbearance '' from XX/XX/XXXX until XX/XX/XXXX. 
On XX/XX/XXXX I was notified my request for IBR recalculation placed me on a SAVE plan with a monthly payment well above my ability to afford ( approx. 22 % of my " discretionary income '' as calculated based on federal poverty designations, and roughly 20 % of my actual total monthly net income ) with a due date of XX/XX/XXXX, in contradiction of the processing forbearance previously stated. 
I could not contact MOHELA by phone as calls were dropped and unanswered. I submitted a message via MOHELA 's website on XX/XX/XXXX stating my belief the payment calculation was in error and requesting resolution/recalculation. This message has not been acknowledged or replied to as of XX/XX/XXXX.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SANTANDER HOLDINGS USA, INC. (CT)

n XX/XX/23 I paid the balance of a credit card with a {$5000.00} limit, then on the same day Santander bank sent me an email about possible fraudulent charges, At this time the charges were pending and I called the bank and told them that I did not authorize the charges, they said no problem, we will remove the charges, deactivate the card, and issue a new card.. 

On XX/XX/23 I checked the card balance and found that the unauthorized charges went from pending to completed, so I call the bank and they said they knew nothing about the call or email on XX/XX/23 even though a new card had been issued by this time, but they will fix this matter by opening a complaint which will take 90 days to complete. 

the amount in question is 5 charges for XXXX totaling {$4300.00}. 
I then asked how the thief knew the balance was near XXXX so as to charge the card to the limit, they could not answer, but this could only happen with internal information at the bank, by the bank itself, or an employee stealing, but either way, the bank is at fault. 

I asked the bank who requested the charges, what state is the business registered in, what is their legal name, what is their contact info, what bank receives the funds from the charges, and what product was purchased, or anything other than an obviously fake description the charges, the bank would not answer any of these questions. 

It is quite clear that each phone call follows a pattern of long waits, and then a run-around about the incompetence of the person on the previous call, and then an assurance that the matter will be resolved, but the matter is never resolved regardless of how many calls are made.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (FL)

THE FOLLOWING INQUIRES WERE NOT AUTHORIZED BY ME AND HAVE NO RELATION TO ANY ACCOUNTS. HERE IS THE LIST OF INQUIRIES : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

On XX/XX/2023 Lexis Nexis was sent a letter notifying them of inaccurate personal information on my lexisnexis report. The Public Records information as stated on the report as well need to be removed as well. I have a letter from the courts that states they did not provide this information. 
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (VA)

Mohela placed my loans into administrative forbearance without my permission and I can not get answers as to when my first payment is due, how much I owe, when my request to be placed into the SAVE plan will be complete, and whether my payment can be lowered because I lost my job.
Consumer complaint received 2023-08-22
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. (NJ)

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 


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