davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had sent three transactions through XXXX XXXX. XXXX, XXXX and XXXX. Two different people accounts but the same person I was dealing with. It was for merchandise and I never recieved it. XXXX XXXX told me once the customer I sent the money to accepts the money. I can no longer get my money back through XXXX XXXX. Unless that person sends me money back. I asked them for money back. And they just kept at XXXX and declining it. And so I contacted cash app and they told me to contact my bank. XXXX contacted Wells Fargo. Put in a claim on XX/XX/XXXX I waited XXXX business days and today. They told me that I was denied because it was a money transfer and not a debit or credit card purchase. And that is why I was being denied. Because for XXXX XXXX, your bank account is what's linked to send money, not your card.
Consumer complaint received 2023-06-01
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. (TX)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

The State Employees ' Credit Union bank ( NCSECU ) failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the NC SECU prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The credit union has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.
Consumer complaint received 2023-09-01
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. (IL)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
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. (SC)

I reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. I have attached a copy of my report showing the number of inaccuracies regarding this account. How is it that I am late 30 days on XXXX and XXXX in XX/XX/2023 but paid on time with Equifax. Same thing with Equifax showing 30 days late in XX/XX/2023 but paid on time with XXXX and XXXX.I have sent letters to the bureaus advising of this inaccuracy with no response or notes updated on my account. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
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. (SC)

I reviewed my credit report and noticed an account that is not reporting accurately. I have XXXX late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. I have attached a copy of my report showing the number of inaccuracies regarding this account. How is it that I am late 30 days on Transunion and XXXX in XX/XX/2023 but paid on time with XXXX. Same thing with XXXX showing 30 days late in XX/XX/2023 but paid on time with Transunion and XXXX have sent letters to the bureaus advising of this inaccuracy with no response or notes updated on my account. I am now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2018-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Money Service Centers of Hawaii (HI)

ON XX/XX/2018 I recieve a letter saying I have 10 days dated XX/XX/18 to respond to lender about my payday loan payback. 
On XX/XX/18 they submited payment for payday and was withdrew on XX/XX/18 Now by them doing this caused my account to go negative and some payments were denied When I question them about letter that they sent me answer was '' ya so what '' Not was it rude and unprofessional but it caused my account to go negative The letter clearly says I have 10 days to respond to letter before submiting to bank for payment
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 U.S.C 1681. 

Account Name XXXX XXXX XXXX Account Number # XXXX, Account Name XXXX XXXX XXXX Account Number # XXXX, Account name XXXX XXXX XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number 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 an 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 annotates the report by more than seven years.

15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-01
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. (AR)

In XX/XX/2022 I made complaints against the credit bureaus regarding information not being accurate in my credit report. I received responses from each credit bureaus as if the claims were investigated and my credit reports were verified. 

If the each of the credit bureaus verified my accounts that were being submitted to CFPB, why do my credit report indicates from each of the credit bureaus that the accounts were never disputed? If they were verified why is all of the highlighted information on the accounts still not the same? 

XXXX complaint number XXXX XXXX complaint number XXXX Transunion complaint number XXXX
Consumer complaint received 2023-12-29
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. (DC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc. (FL)

I submitted a dispute on XX/XX/XXXX to Northlane for numerous transactions from XX/XX/XXXX until rhe date i submitted my affidavit they informed me as well as in my other CFPB complaint it would take XXXX days to investigate and decide but Per regulation E if a company needs more than 10 business days to investigate a dispute they must issue a provisional credit until the disposition of the investigation which this company is past that time frame and has not compensated me in anyway
Consumer complaint received 2018-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I had made arrangements with a person on XXXX to rent a property over the XXXX weekend. I had traded several emails and a few text messages and I was to pay this person using the XXXX service from my bank. Unfortunately, the " owner '' turned out to be a scam artist and essentially got away with {$1000.00} of my money. I called my bank Wells Fargo immediately to try to re-coup the lost funds. Wells Fargo told me there was nothing they could do about it. 
I called the XXXX customer service line, eventually spoke to a live person. XXXX does NOT have a fraud department. I asked to escalate my problem, and they just transferred my call back to Wells Fargo! 
There is NO accountability on the part of XXXX nor Wells Fargo for this fraudulent act. I called the local police to report the incident.
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 
It is the result of identity theft. ACCOUNT : XXXX XXXX # XXXX, Account : XXXX XXXX  : # XXXX, ACCOUNT : # XXXXXXXX XXXX XXXX, ACCOUNT : # XXXX XXXX, ACCOUNT : XXXX XXXXXXXX XXXX XXXX # XXXX I filed identiy theft with the IRS, FTC, and the police.
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: EQUIFAX, INC. (NC)

It has come to light that you have not ceased the accounts after I provided a copy of the FTC report. As mandated by regulation 605b of the FCRA, I am sending this complaint to facilitate a lawful resolution. If you choose not to halt the following items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

XX/XX/2022 my Capital One Bank checking account was closed without explanation. 

2022 I tried to open an account at XXXX XXXX, but I was denied without reason, the banker said it was under review in the fraud department. I haven't received a reason. 

Is something attached to my social? 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states : I have the right to privacy. 15 U.S.C. 1681 604-A Section 2 consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666 B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

The original loan for my vehicle was financed through Truist in XXXX of XXXX. In XXXX of XXXX I refinaced through my bank XXXX and cancelled my XXXX insurance. During this time XXXX cut a check payable to Truist, who cashed the check. Truist was to cut me a check and send it to me. I started reaching out to them in XXXX I have spoken too so many people to locate this refund check. Nobody seems to know whats going on. Calls have been disconnected after me waiting for countless hours ( literally )... just to end up still with no answers. I am exhausted dealing with these ppl. So here I am.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (SC)

I sent a opt out notice to some credit reporting agencies because I do not want 3rd party companies having my private information such as financial information, address etc. I haven't received anything back to let me know that they have followed my order to remove my information from their database. This information that these agencies are sharing is preventing me from obtaining personal household good for my family.
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. (NC)

It has come to light that you have not ceased the accounts after I provided a copy of the FTC report. As mandated by regulation 605b of the FCRA, I am sending this complaint to facilitate a lawful resolution. If you choose not to halt the following items listed below, which are inaccurately reported due to fraud, I will forward my documents to my attorney to initiate legal action. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC, 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: EQUIFAX, INC. (CO)

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 2024-06-15
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. (PA)

Transunion and XXXX are both reporting an account by the name " XXXX '' on my credit report to be accurate. Which is completely false and misleading and are actually violating my rights. Credit reporting agencies must maintain accurate and complete information. Upon reviewing my credit report, I see that both companies have outdated, incorrect, or incomplete information being reported, such as wrong account statuses, incorrect balances, or mixed information from my credit file. They are in violation by " reporting an account as active when it was voluntarily closed by a consumer and. 
According to the FRCA, all inaccurate information must be corrected or removed from my credit profile. Both companies have chose to keep reporting this in accuracies. They willingly and negligently failed to comply with its obligations under the FCRA. I have beeb denied housing due to this inaccuracy.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPARTMENT OF AGRICUL : # XXXX, US DEPARTMENT OF AGRICUL : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-12-10
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. (PA)

Contacted XXXX XXXX to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form , due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! 

XXXXXXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services. 

Violating the privacy act of 1974!