davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have had my account with Wells Fargo since 2016 Ive never had an issue. For the last 6 months fraudulent transactions have been happening on my account. I called in to dispute the transactions and they issued me an provisos credit on day XXXX of the claim Being processed. I assumed the claim was handled by the bank as they issued me the XXXX $ to my account. I used the money as it was given to me from the bank. I checked my mail box on the XXXX and it states XXXX  days from the letter my money was going to be taken from my account .I didnt give anyone permission to take this money as its my XXXX brothers direct deposit. I called the bank to reopen this claim or try and speak to a supervisor in regards to this because they said it was done by me or I gave permission to someone to have this money being taken because a pin was used. They basically said the claim is closed there is nothing they can do and they money will be taken regardless. This is frustrating and so horrible coming from a bank I have be loyal to for 7 years.
Consumer complaint received 2023-07-19
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. (IL)

I have been disputing this account information with XXXX and Experian XXXX and XXXX. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to XXXX XXXX and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my Experian credit report that I pulled from annual credit report today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.
Consumer complaint received 2022-12-11
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 a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below ) violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. The creditor accounts ( attached below ) is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The creditor accounts ( attached below ) has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 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. The creditor accounts ( attached below ) has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Consumer complaint received 2023-01-25
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. (NC)

2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and Experian credit bureaus are reporting late payments which is Illegal. I have copy and pasted the Federal law 1681s-3 the Exclusion section.
Consumer complaint received 2022-12-11
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. (CA)

My complaint ( this time ) is with XXXX. I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for fools '' by hiding information, information that needs to readdressed by Congress on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes.

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!
Consumer complaint received 2022-12-11
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. (CA)

My complaint ( this time ) is with XXXX I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for XXXX  '' by hiding information, information that needs to readdressed by Congress on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes. 

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

I received 3 separate notifications from JPMCB that a hard pull was done on my credit for an application for a new CHASE FREEDOM Visa Platinum card. They have denied the request and marked it as fraudulent. I have spoken with them and protected my accounts and am filing to have these 3 hard inquires removed from all 3 of my credit reports - I am also placing a freeze on my credit accounts. 

According to my XXXX credit report hard inquiries were done on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX all from JPMCB CARD SERVICES. 

Please let me know if there is any additional information you need to protect my identity
Consumer complaint received 2023-01-25
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. (UT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-10-18
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. (TX)

My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX violated my rights. 
XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer reports.
Consumer complaint received 2023-01-25
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. (WA)

I have been violated and have not been able to get credit. This has caused me very much hardship in my daily life because of this reporting. according to 15 USC 1681a to exclusion a credit report does not include report containing Solely transaction and experience between the consumer and the person making the report. 15USC 1666b also states that if a open ended consumer credit plan provides a time within which an obligor may repay any portion of the credit extended without incurring an additional finance charge such additional finance charge or penalties may not be imposed. 1026.13 also states that a reflection on or with a periodic statement of a extension of a credit is not made to the consumer or to the who has actual implied or apparent authority to use the consumers credit card or open ended credit plan. Please update the following accounts to PAID AS AGREED or I will be forced to seek legal action with remedy of {$1000.00} per violation XXXX department of education XXXX XXXX Both of these accounts are showing misleading info and needs to be updated
Consumer complaint received 2023-07-19
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. (AL)

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 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

In a letter dated XX/XX/2023, American Express ( AE ) suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address. Attached hereto is a copy of the letter. I have never been notified of this in the more than forty-five years as a Card Member. AE has always maintained my business address for my business card and has never requested my physical address. On XX/XX/2023, I called AE to demand my business card be reinstated and after thirty minutes of being passed around, I spoke with XXXX, supervisor located in North Carolina. The call was consented taped recorded. In speaking with XXXX she stated AE suspended my charging privileges for my Open Card account and any associated Additional Cards because they do not have my physical address as required by Federal guidelines. I questioned XXXX what were the Federal guidelines AE is asserting as a reason for suspending my charging privileges. I asserted that the letter did not cite any authority to base their decision. And requested to cite the authority that requires I provide a physical address when my credit card is for business only and AE has always maintained my business address. XXXX failed to cite or assert any authority and stated she does not know of any federal guidelines to cause my charging privileges to be suspended.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have contacted XXXX Bank CEO XXXX XXXX several times to save our home. I have asked to work out a deal to purchase the house from the bank because I bought this home from someone and it is a nightmare for my XXXX XXXX XXXX mom and my XXXX grandkids. XXXX is referred back to Wells Fargo and Wells Fargo is saying that XXXX Bank is the owner the loan. All I want to know is what they will take for the house is needs a lot of work and the roof repaired.
Consumer complaint received 2022-12-11
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)

XXXX and transunion is still reporting Credit first as late or missed payment this account is supposed to be reported as good standing as everything including late fees was credited to this account its reporting account as late which is not accurate and its also reporting two missed payments which is false
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following items are on my credit report : XXXX. VANCE AND HUFFMAN LLC XXXX. XXXX XXXX XXXX
Consumer complaint received 2023-01-25
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. (MO)

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$460.00}
Consumer complaint received 2022-12-11
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. (TX)

I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the XXXX XXXX pandemic.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Tried to use my debit card at XXXX XXXX. Transaction got labeled fraud and was unable to unlock card. Bank was unable to remove security hold. I was unable to access funds from atm. No one was able to explain how XXXX XXXX was fraud, unwilling to assist.
Consumer complaint received 2022-12-11
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: American Credit Acceptance, LLC (GA)

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 written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (RI)

My ex-wife and I purchased a house back in XXXX time frame. She was the primary loan holder and I was the secondary. We divorced in XXXX of XXXX  and I did a mortgage assumption from her. We closed and signed all documents on XX/XX/year>. I attempted to create an online account to manage my loan but am being told that for security purposes I can not create an account because it is an assumed loan. I'd like to be able to view my mortgage details and set up automatic payments securely through a portal rather than email forms with my personal data on them back and forth with an agent.
Consumer complaint received 2022-12-11
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. (CA)

Never opened this account. 
Called multiple times to remove reporting information with no success. 
Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2022 Responsibility Individual Account Account Type installment Loan Type SECURED Balance {$720.00} Last Payment Amount {$0.00} Original Amount {$720.00}
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( 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.