davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
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: EQUIFAX, INC. (WA)

Equifax sustained a data breach that compromised my personal information and puts me at increased risk for credit fraud, identity theft, and hardship. 

I 've already had to spend {$21.00} on credit freezes and multiple hours of my time in order to fully research the situation and protect myself as best as possible given the tools available to me.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (TX)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$210.00} XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local DMV to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid 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: DISCOVER BANK (FL)

On XX/XX/2022 I went to a place called XXXX XXXX XXXX where I used my Discover card to purchase a procedure called XXXXXXXX XXXX XXXX XXXX. I went to see my doctors to make sure that this procedure would be appropriate for my age and physical well being. At the advise of my doctors due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have explained this to the Discover Card XXXX and to XXXX XXXX only to be told they would not return the {$1000.00} I placed on my XXXX  for this procedure. I have been disputing this for almost a year now and have given them proof of all that will XXXX XXXX XXXX XXXX XXXX XXXX 

I have been patient in this dispute and have paid Discover Card for this horrible experience. I need them to return {$1000.00} back to my Discover card and assume that the procedure was never done and due to medical reason the item in question has been a terrible misfortune and through the XXXX XXXX could not be done as it would be a violation of my rights and privacy.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (ME)

I got a auto loan from Wells Fargo at the end if my lease with XXXX XXXX. I payed XXXXXXXX XXXX without missing a single payment for 3 years. A XXXX dealership in Maine ran my credit check 13 times despite me stating I had a quote already from liberty mutual. This took my credit score from above 630 to below 550. I struggled to pay the payments with Wells Fargo due to financial hardship related to rising housing costs, other costs, COVID, and incident with an landlord etc. I also get paid biweekly making it difficult to pay all my bills at once or weekly. I also had a series of medical problems and was immunocompromised throughout the pandemic. The last month of XXXX and the beginning of XXXX I had to miss my car payments in order to pay more necessary expenses. I had hoped to get my tax return to pay the full balance but my return was delayed. I finally did get my return. I don't remember what my balance was. However I contacted Wells Fargo via phone to make payments and pay the full balance upon receiving my return. Wells Fargo representatives said that I could not make payments. They said I could not pay my what I owed in missed payments. They said I had 3 months to pay the full amount of the loan which was over {$18000.00} less than half the value of the car yet too much for me to pay in 3 months or my car would be repossessed. They continued to bill for those 3 months but I did not want to make those payments and then have my car repossessed regardless. I could not get a loan due to XXXXXXXX XXXX having ran my credit so much. When I got my tax return I called again. I had {$12000.00} and offered once again to pay off what I owed in missed payments or more then resume making payments. Wells Fargo again refused and stated I needed to pay the full balance of my loan or my car would be repossessed. I did not pay anything because again they said my car would be repossessed regardless. Eventually they did repossess my car. They never contacted me after that. They never sent me a check for my car being sold on auction. They never returned the contents of my car which included my XXXX children 's car seats. I
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-07
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. (FL)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXXXXXX XXXX XXXX XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo repossessed my car in XX/XX/2022. I was told that I had to pay a balance of {$2400.00} in order to get the car back. I told them I could pay {$2000.00} that week and that I could cover the rest in 3-4 weeks ( I had just started a new job and had been unemployed for 4 months, and hadn't received unemployment compensation yet ), but they told me that the car couldn't be returned unless I paid the FULL {$2400.00} in one payment. 

Wells Fargo refused to offer any arrangement - I even offered to pay all but {$400.00} of the remaining balance, and my offer was still refused.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Equifax credit reporting Blank. Called Equifax serveral times to get it fixed and even submitted requested documentation still reporting blank, they have stated it has been escalated but nothing has been done after being told that on numerous occasions. Banks are saying my credit is unidentifiable because there is no Equifax score.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive been contact experian, transunion and XXXX about these XXXX accounts for over 6 months will no help, no real responses and no accurate information. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), and they have no be honest or helpful. This affects my life and all I get is computer responses.
Consumer complaint received 2022-12-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

in XXXX i made a request to wells Fargo to change our payment to bi-weekly. I would make the payments as stipulated but wells Fargo would hold onto XXXX payment until the other payment was received. My interest to request a biweekly was to pay off our mortgage sooner. we changed our mortgage to a 15 year loan. On about XXXX we paid off the balance, but I feel we were overchared on interest. 
Please advise and thank you XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I had an account with Wells Fargo in the late XXXX, roughly XXXX I stopped using the checking account, and had no charges coming through the account. I only opened this account to cash my checks at the time. When I went to cash my over {$700.00} check, I was given back less than {$20.00} and told the rest of my check went to my overdraft/insufficient fees in my account. I wasnt told until after my check was cashed, and money was taken, that I had around {$700.00} in fees to pay them. Ive never gone back since. They wouldnt work with me and told me they closed my account because i hasnt used it within a certain time.
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. (GA)

Equifax Information Services LLC 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 Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW 715, 719. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Consumer complaint received 2022-12-20
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. (FL)

Based on the Fair Credit Reporting Act, XXXX  XXXX Account # XXXX and XXXX  XXXX Account # XXXX has violated my rights. 

15 USC 1681, Section 602a states that I have the right to privacy.

15 USC 1681, Section 604a, Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Lastly, 15 USC 1666b, Section ( a ) states that a creditor may not treat a payment on an open end consumer credit plan ( credit card ) as late for any reason.
Consumer complaint received 2016-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (CA)

This account was originally XXXX XXXX XXXX another company bought this debt XX/XX/XXXX from XXXX under accct # XXXX. which was deleted. Now rhis company I. C. Systems bought it under account # XXXX. I am so tired of companies keep buying debt over and over again through different companies ruining my credit.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I dealt with a nightmare scenario when a fired employee of my company got a hold of a check in the mail for my business XXXX XXXX  XXXX and endorsed the back of the check with his own name and deposited the check through the Wells Fargo ATM drive thru and without veriying or doing any due diligence, this crooked bank allowed the full funds of the check to go through to his account, when was never on the account and the check was my business name. I talked to several branch managers, filed over XXXX check return claims, completed several breach of warranty paperwork and they still refused to return my money to me, nor take the money from that criminal 's account or close down his account. Plus I filed a mediation request and nobody ever contact me or followed up on this mediation request. 

It was not until I hired an attorney and going to file suit in court, did they finally return the money not to myself but to the issuing bank that issued the cashier check, which was XXXX. The check was for the amount of {$10000.00}. Check # XXXX, issued on XX/XX/22 and deposited on XX/XX/22. The criminal who falsely endorsed the check now has felony warrants for his arrest. His name is XXXX XXXX and he also had a wells fargo acccount as well and the sequence number for the check deposit was # XXXX. 

I would like to make a formal complaint for illegally allowing the funds to be made permanent to someone in an erroneous error and they made no attempt whatsoever to correct their mistake and nearly a dozen managers and claim representatives told me I would be refunded my money back to my account and made me go through endless hoops and claim filings only to lie and waste my time and kept the error in favor of the person who illegally deposited the check because of their own negligence. 

I have enclosed all documents supporting my case and statements.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


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 2022-12-20
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. (ID)

I have on requested documentation of the information each credit reporting agency used to validate information on my credit report, in accordance with the United States Fair Credit Reporting Act ( FCRA ), 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I have submitted 3 separate requests for this information under 609 of the FCRA. Each time these company 's have responded stating they do not understand the request ; or they processes these requests as a dispute, and then report that the information was validated, refusing or failing to provide the information they used to validate the accounts, as required under 609 of the FCRA. 3 separate requests were submitted to each company ; one in XXXX, one in XXXX, and one in XXXX of XXXX.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I have attempted for the past 2 years ( XXXX present day in 2022 ) to obtain a copy of my XXXX credit report by either submitting ( 1 ) several formal written requests via XXXX, ( 2 ) several formal written requests directly to XXXX, and ( 3 ) even signing up for the XXXX XXXX XXXX XXXX XXXX all to no avail. Each and every time I attempt to obtain a copy of my credit report or otherwise attempt to access my credit report online, the XXXX website renders an error message that my report can not be obtained via the online request. Regarding my written request, XXXX has either remained wholly unresponsive or has otherwise sent me a letter stating that my report can not be provided, and this is despite the express fact that I have provided all necessary documentation to verify my identity. I have had only minimal access to my report through third party credit monitoring apps like XXXX XXXX and XXXX XXXX, but they are not complete files. XXXX has even suspended my credit monitoring service altogether. I suspect that XXXX is engaging this pattern and practice of fraud and bad faith business practices because I have filed complaints against them before. Their conduct is unlawfully retaliatory. I have also not had access to manage my freeze that I added prior to the pandemic.
Consumer complaint received 2024-03-26
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. (PA)

It is my understanding that FCRA 605B obliges us to eradicate any incorrect entries from my credit profile. Might I ask you to review the paperwork? Certain listed accounts are inaccurate in terms of their reporting.
Consumer complaint received 2022-12-20
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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 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. (PA)

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, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX  : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  : XXXX, DEPTEDXXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX 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 XXXXXXXX, DEPT OF EDUCATION/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 an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AL)

On my Wells Fargo account, whenever I buy groceries at XXXX online, XXXX puts the cost of the items on a hold status in my account to ensure the funds are available. This is a standard business practice. Wells Fargo refuses to update their transaction processing and debits the amount twice, especially when I am low on funds so they can collect an insufficient funds charge. I have complained about this practice 4 times to their escalation department and even in person at their local branch. Every time I am promised an answer and never receive an answer. All they say is " there are no laws concerning how fast or accurately they process transactions. ''