davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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: DISCOVER BANK (NC)

XX/XX/XXXX I mailed an Opt Out Notice and validation request to Discover. I requested that both accounts acct XXXX XXXX  be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; DISCOVER ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
Discover never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All DISCOVER accounts are to be removed from my credit report Per 15 USC 6802. Discover has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I got a letter from kohls which States the reason for the decision to close the account has its capital one has discovered adverse past or present legal action involving an individual with the account they close the account when I called the number on the paper the guy named XXXX XXXX XXXX  is his his number he told me that the account was closed because of not having the bill paid and the history that I have on my current report says that I did pay it and he couldnt give me any information because the accounts closed and he cant see anything and he couldnt tell me where else to call
Consumer complaint received 2023-08-08
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: EQUIFAX, INC. (TX)

My car loan was defaulted about 7 years ago. The company I defaulted with is XXXX XXXX XXXX. I missed my first payment XXXX of XXXX which was also reported to the credit bureau ( Equifax ). After that account was never brought current and was charged off. However, XXXX XXXX XXXX reports date of first Delinquency as XX/XX/XXXX, which is one year and 3 months after the original delinquency. 

I have unsuccessfully tried to contact XXXX XXXX XXXX directly multiple times to correct this error and have lodge multiple disputes with credit bureau. 

I want to resolve this issue.
Consumer complaint received 2023-01-02
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. (CA)

XXXX XXXX no acct # becase none is on my consumer report if this accout was charge off since XXXX i never recive a XXXX showing any imfo on this 15 US 1681-s
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (MA)

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX claiming a balance {$4200.00}. 
I was surprised to see this on my credit report cause i never had any business credit card or other with this bank. this matter decrease considerable my credit card payments. Talk to this company a few times about this problem they say they own an other company ( XXXX credit card ) a company was closed and disappear for more than 1 year without any notice or alerts. During their one year closed it detrimental for my business i can not using this card cause was closed with all available credit and can not pay the balance monthly cause no app or address for check or pay using any office or online pay by phone. everything was out of service for 1 year sin any proper investigation. 

XXXX XXXX XXXXXXXX XXXX {$310.00} i had a credit card with XXXX credit limit was {$250.00} i had a balance {$140.00} them a {$110.00} available credit when i try to pay my monthly no app wen to a XXXX shop machine they say the machine can not recognize the card got an customer service XXXX  employee the said they going to sent me a new card never get the newer card and after 2 month this company call me and dispute a few time and the put a negative for {$310.00}
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (CA)

XXXX lousiana no acct # becase none is on my consumer report if this accout was charge off since XXXX2017 i never recive a 1099 showing any imfo on this 15 US 1681-s
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NY)

My USDirectExpress account has been hijacked, over {$60000.00} has been withdrawn without permission, my Social security XXXX account payments have been changed to a bank that I do not have access to, and I can not withdraw money from my account.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I NEVER received " a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. '' Which is written in law, along with any statement from Ally Financial, so I am demanding that they remove all late payments associated with my account and issue a refund for all the late payments associated with my account. 

So update all three CRA 's to PAID ON TIME NEVER LATE Immediately. 

Account # XXXX
Consumer complaint received 2023-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX I have had several discussion with Wells Fargo bank, about the fact the my balance owe on my payment is Incorrect. They informed me that this problem would be corrected, but I am looking at my statement, and nothing has been done to make correct the problem. They have my Principal balance payment at {$88.00}, and my finance charges at {$300.00}, How can this be possible when I have making these payment since XXXX of XXXX. My interest rate at the time was XXXX, and my credit has always been around XXXX XXXX. I have had outstanding credit over the years. Last year I contacted Wels Fargo bank and ask them to refinance my account when the interest rate were much lower, and they refuse my request. I know fact over the years Wells Fargo bank has discriminate against XXXX customers, and They have had to paid fines for this discrimination. Now I know why Wells Fargo Bank is not a reliable institution in this country. They have not be trusted to execute a fair, and balance situation when it comes to the minority communities in America. I was self assurance by a Well Fargo Executive that I would have my account fix to reflect my service with Wells Fargo Bank over the years, but that process has " NOT '' happen. My statement should have been changed immediately. My balance owe should be more then half of what is stated in my Wells Fargo Bank document. I started out owing only {$56000.00} in XXXX, and I am more then half way done paying my loan, so, my balance owe should be around {$30000.00} which include interest. Not {$40000.00}. Please make the proper correction.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has been Furnishing account transactions. I have recently contacted them to let them know If they were ware that this inaccurate information that was being reported and was in violation according to the law and the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
A creditor can not treat a payment as late without complying with this section of the law! I have already request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

they have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC (AZ)

In a recent review of my credit report I noticed that I had a collection with Leafy Financial with an opened date of XX/XX/2023, in the amount of {$3700.00}. I have never spoke to anyone at Leafy Financial nor have I ever heard from this company.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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. (TX)

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Also in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), you may be liable for false reporting. The referenced inquiries are falsely reporting and was not authorized by myself.

Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports ; you are in violation. I have attached the definition so you can see the violation! ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). 


An inquiry on my report from XX/XX/XXXX with XXXX XXXX and an inquiry on my report from XXXX XXXX XXXX has falsely inputted these inquiries on my report. I have no knowledge of these and do not claim these inquiries. I am informing you that these inquiries are not mine and were not authorized by me therefore this is false reporting and a violation! Please remove the inaccurate information as I know my rights!!
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rodenburg LLP (ND)

The debt collection agency ( Rodenburg Law Firm, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-07-11
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: EQUIFAX, INC. (NC)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-04-21
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 (TX)

Ref : Wells Fargo & Company and Wells Fargo Bank libilitIy settlement for fraudgelent Accidental Death policies to custermers. 

I received a letter from Wells Fargo customer Care in XX/XX/XXXX stating that I was enrolled in an Accidental Death Policy product in XXXX through XXXX. An ambiguous question was asked about the enrollment and a XXXX number was given to call if there was questions. I called, and after the 3rd call I was told I would be receiving ompensation for the monthly funds taken from my checking account. 

In XXXX I recieved a check. However, the check was issued to myself and my x-husband. I contacted the custermer service several times and asked for a replacement check. I tried to explain that the checking account the funds were extracted from was in my name only, also I was devorced in XXXX. They insisted that the signature of my X was required and they would not replace the check. I went to a local branch and the custermer service agent and manager denied any knowledge of the WF scandal. After confronting them for severaly minutes, they stated they would email my concerns to the WFCSC stating my concerns and with verification that I was only listed on my checking account and to please re-issue the check. They did not cc my emIL. I called the WFCSC again and the agent hung up in my face. 

The funds for this so called accidental adeath policy were extracted from my personal checkibg account. I have no knowledge of the policy or even know if it ever existed. I have been a customer of WF for over 20 years. I want my money. 

Attached : 3
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im accordance with the fair credit reporting act 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 state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I got charged three overdraft fees for transactions that were done on XX/XX/XXXX. This Bank gives you XXXX hours but notifies you at XXXX XXXX  and gives you to XXXX XXXX  that same day. They claim that this is XXXX hours. I do have overdraft protection. Reason I have overdrive protection is for when I really need to use it. I have not gotten no overdraft fees in a while now. All of a sudden Wells Fargo wants to start with the overdraft. I feel like the bank is very unfair cuz the ATMs do not work. I went to the bank to go deposit on XX/XX/XXXX before XXXX XXXX and the ATM did not accept cash deposits. This is the ongoing thing with this XXXX. I have reported it to Wells Fargo that have done nothing to fix the problem. I feel like if they give me to XXXX XXXX  they should have the ATMs working correctly like that people could be able to make the deposits. If I went ahead went to the next branch it wouldn't have been like XXXX and I still will get charged the overdraft fees like I did. I have spoken to Wells Fargo 's numerous of times about these overdraft and the abuse that they have that they should cut down the fees and stuff like that they don't care. I feel like Wells Fargo 's just wants to keep charging and charging and charging. Why can't that be like other financial institutions that worth with you?