davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Atlanticus Services Corporation (MS)

In accordance with the fair credit reporting act XXXX  account number # XXXX ( XXXX 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 usc 1666b : A creditor may not treat a payment under a credit card account under a open end consumer plan as late for a purpose.
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (FL)

I just received a letter from Wells Fargo Auto Finance dated XX/XX/ 2023, threatening to repossess the vehicle after a representative and I spoke to get information to them as to why the payments are late. I told the rep that I had part of my right ear amputated, and just got back to work. He said that Wells Fargo Auto would work with me on this. Now I`m getting threatening letters stating they're going to repo my vehicle.

This was a faulty loan to begin with, and the loan application is fraudulent, my signature appears three times on it, and it is not my signature. Still, I`m catching up on my back payments, and Wells Fargo Auto Finance is not helping me as they promised.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

Sent a court judgement to an address that I have not lived at for 2 1/2 to 3 years. This is a desperate attempt to reactivate a debt that does not belong to me. They took money out of my bank account in 2018 which is obviously 4 years ago almost 5. They sent a notice to an old address.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MT)

Hello! 
I just received my investigation results from Experian, but I am now concerned about how they verified some of my information. I have a few concerns as to how they are conducting their research. Did they talk to my neighbors, friends, family, etc? I was reading the FCRA and noticed Experian has violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts in the attached letter. They have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I have sent them a letter regarding these issues, and have attached a copy to this complaint : Certified Mail # RF 341 649 120 US.

I am also feeling placated, because when they said they had reinvestigated, nothing has been updated or corrected when it comes to my personal information. So, really, I have never had my previous complaints validated by them, and I am NOT satisfied with their response to me. 

Thank you for being in my corner, and helping me with all this. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-24
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. (MD)

By the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate the account XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2021-04-16
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. (FL)

I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. Earlier in XXXX I contacted XXXX, XXXX and equifax regarding these accounts. I have also called these companies where the fraud happen and they could not verify my information. None of these accounts are related to any transaction done by myself. I have attached the FTC and my drivers license.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (CA)

Account name : XXXX XXXX XXXX XXXX Account name : XXXX -Account name : XXXX XXXX- Account name : XXXX 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 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 2022-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/2022 I received two letters related to a transfer of mortgage servicing on the mortgage for my house : - Letter 1 is from my former servicer, XXXX XXXX XXXX XXXX, dated XX/XX/2022 stating that my automatic payment for XX/XX/2022 was canceled. The letter did not specify the reason, rather it mentioned a number of reasons it could be, of which " your loan has been transferred to another servicer '' was applicable to me. I received no other letters from XXXX and I am currently unable to log into the online portal to check the validity of the change or even its reason. 
- Letter 2 is from my now current servicer, Fifth Third Bank, dated XX/XX/2022 stating that the servicing of my loan had been transferred from XXXX to Fifth Third effective XX/XX/2022. The letter also states to mail a check for all payments due on or after XX/XX/2022 to Fifth Third 's mortgage servicing department. Due to the time of day, I am unable to make a payment over the phone and their records don't recognize my loan number or SSN yet, this could take up to two weeks. 

I have contacted both companies, while XXXX says their hours are until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was only able to get stuck in an automated response loop and Fifth Third call center is closed for the day. 

I don't know the requirements, but I'm sure there are consumer disclosure requirements both of these institutions must follow - mortgage servicing transfer isn't exactly a unique event, they should know better. In no way is one day sufficient as I received both letters exactly one day before they were effective, regardless how they are dated. They should be required to ensure they meet any deadlines via certified mail should they have concerns about timing. They are well aware of the transaction, they had time to disclose earlier, however they chose or failed to do so. Now I am late on a payment that is due today ( XXXX XXXX as of the writing of this complaint, with no means to send payment today ) at absolutely no fault of my own without sufficient warning to fix ahead of time.
Consumer complaint received 2022-11-02
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. (PA)

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions 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 PA CHILD SUPPORT ENFORCE Account # XXXX DEPT OF THE TREASURY Account # 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 2022-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent Experian my initial complaint that I filed with the FTC for identity theft in XX/XX/2022. I gave them every lawfully required document and by law Experian is supposed to remove and block the items from my consumer report. Experian has taken over 30 days to even complete an investigation and have yet to remove them. I am XXXX XXXX XXXX and this stress has made me ill. I am a XXXX  and this is the type of stress that can XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not have to beg Experian to follow the federal law.
Consumer complaint received 2022-11-02
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. (KY)

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 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 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 2022-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

its been 30 days since I've sent my dispute letter to no avail.THIS IS A VIOLATION OF MY CONSUMER RIGHTS ON ALL BOARDS PLEASE UPHOLD THE LAW AND REMOVE AND UPDATE REPORT
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The credit report is showing XXXX wrong collection in my credit report ( XXXX XXXX XXXX  # XXXX ) and ( XXXX XXXX XXXX # XXXX ), i dont recognize this account as mine, these XXXX account are a mistake or XXXX be something else... XXXX one was open on XX/XX/year> and XXXX XXXX XX/XX/year>. Also they sowing these account in collections and opend... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.
Consumer complaint received 2022-11-01
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. (MI)

Transunion, XXXX, and XXXX are putting false information on my credit report without my permission. They never verified anything with me, so now they are defaming my character. I sent all 3 a letter and they still have not responded.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2022-11-01
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 USC 1681. 

XXXX XXXX XXXX # 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 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 2022-11-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I AM WRITING IN REGARDS TO THE DISPUTE IVE SENT OVER 30 DAYS AGO IN WHICH I GOT NO RESPONSE THIS IS UNEXCEPTABLE AND ITS A VIOLATION OF THE FCRA
Consumer complaint received 2022-11-01
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. (MA)

XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXInquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX I contacted the bureau to inform them that I did not authorize the inquires, and that it was fraudulent activities but they failed to remove the inquiries.
Consumer complaint received 2022-11-01
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. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 2022 2022
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have paid this account off in full. I tried disputing with the credit bureau, and the information has still not been updated to reflect the correct information. I have even sent in my proof that the account was paid in full, but my report is showing still a charge off.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My bank accounts were compromised, part of the money from both accounts was stolen, it was applied for more than 15 debit cards from different banks and it was applied for a personal loan in XXXX that is reported in my credit report and I can not contact this company
Consumer complaint received 2021-04-16
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. (GA)

I HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX : Collections : 1.XXXX XXXX-XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.Auto XXXX 6.XXXX XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX TRANSUNION : Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX XXXX Inquiries : 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-04-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent TransUnion a letter requesting that they reinvestigate or delete Family Support Div XXXX XXXX from my credit report. As of this date, They have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing Their investigation. They have not followed the stipulations of the law. 

Because this has caused me to suffer damages you can't even imagine I will contact the Federal Trade Commission and advise them of Their apparent disregard for consumer protection laws.
Consumer complaint received 2022-11-01
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX  is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all XXXX credit agencies and XXXX XXXX XXXX  still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

The app- to make payments, withdrawals, deposits, etc - has been down all week long. There is no remedy with customer service and people 's livelihoods are at stake because the bank is inaccessible. Where are the protections for the consumers? This is not right. All week long - inaccessible.