davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2021-09-05
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. (PA)

I requested the method of there investigation Pursuant to 15 USC 1681a.

The letter i received back stated it was verified. Again, by who? what is there name and number? The law is very clear on what can go on my consumer credit report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Credit card ( social security card ) The Social Security Administration own the Social Security Card and debt is the obligation of the United States. See 28 U.S.C 3002 ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ;
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX has been harassing about a bill I dont owe. XXXX XXXX Bank has sent me a certified letter stating I am not responsible for this account and has removed it from my credit report due to it not being me who open the account. XXXX XXXX Bank stated they informed XXXX XXXX XXXX about this account. XXXX XXXX Bank has noticed all three credit bureaus to remove the account but XXXX funding has taken it upon themselves to still try and collect on an account thats not mine. According to the Fair Credit Reporting Act this is definitely a violation and I can sue for the damages XXXX funding has caused to my credit file by reporting a fraudulent account that doesnt belong to me. My next step is to file sue against this account for violation of rights, punitive damages and harassment. I m sure the judge will side with me. I have documents from XXXX XXXX Bank and XXXX funding should have those documents as well. I suggest XXXX XXXX XXXX reach out to XXXX XXXX Bank and not contact me or harass me anymore along with ceasing all communications. This is my last warning. A report has been file me with the XXXX XXXX XXXX as well and with the governor for the state of Georgia.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (RI)

i have been requesting payment information a simple payment history which includes only the following so that it will be easy for me to understand. on a monthly basis which includes ; date payment is due date check payment received by wells fargo date wells fargo got paid from my bank with these information i can easily find out where the mistake has occurred. 

i have requested this information several times but they refuse to provide me it.
Consumer complaint received 2019-04-16
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: Experian Information Solutions Inc. (FL)

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. 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 2022-06-01
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. (GA)

1. XXXX XXXX XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.
Consumer complaint received 2019-04-17
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. (MI)

PER REPORT XX/XX/2019, XXXX I have continued to report this to the CFPB and nothing happens. XXXX  and Experian continue to report XXXX XXXX accounts on my reports even though I have provided documentation from the courts showing they are to be removed IMMEDIATELY with signature by the honorable judge. It is like these accounts never existed and they are not allowed to be on the report. XXXX   removed them with zero issue. 

Furthermore, I continue to get the attached letters from XXXX XXXX that they need more information. More proof they don't even have anything on file that proves these are my accounts. FCRA 609/623 states they must remove them. Copies of bills do not constitute as proof. Zero video, zero phone call, zero proof of signature. No request of WHO, WHAT, WHERE and WHEN were these accounts verified and accurate with! 

Going back to the legal documents signed by a judge -- they have to be removed -- PERIOD
Consumer complaint received 2023-01-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters, XXXX, Kansas, put a delinquent Pay Day Loan on my XXXX Credit Report. NCA # XXXX ( XXXX ), My credit has been frozen with XXXX, XXXX and XXXX for over two years. Fraud Alerts were also on file with the three agncies. The Pay Day Loan should have never been approved. The loan was in the {$600.00} range in XX/XX/ 2022, and now the laon amount is {$870.00}. The laon was made online? I did not make this loan application. I have never received a phone call ( voicemail ), text, email or USPS correspondence about this fraudulent loan. It suddenly appeared on my XXXX credit report as a collection by National Credit Adjusters, XXXX, Kansas XXXX... .... I want all this removed from three credit reports!!
Consumer complaint received 2022-06-01
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. (LA)

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 my 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 late for and purpose.
Consumer complaint received 2022-06-01
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. (LA)

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 my 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 late for and purpose.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint 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.XX/XX/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. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-20
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 (FL)

I noticed Wells Fargo that transactions that was on my account was unauthorized so I filed a claim with them they sent me a new card but they still didnt refund me my money which was over XXXX they even put my account on negative multiple times I also have screenshots of the transactions that wasnt authorized plus they didnt give me a clear reason on why they think it was me til this day
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

PayPal has limited my account after receiving funds ( loan ) from my daughter through her PayPal account. Ive given all necessary data they need was assured that it would be lifted in 24 hours and its now almost 78 hours later and past their 3-5 days needed for review. Ive called Customer service everyday this week and have been told a number of different things, time frames, guarantees and my money is still not available for me to use for absolutely no reason whatsoever. I can not explain to you the amount of XXXX  this has caused me. I am a single mother with a XXXX XXXX child, no food in the house, bills starting to bounce and THEY WILL NOT RELEASE MY MONEY
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you to seek your help in getting these unverified and suspicious accounts in my credit report. It has been months since i have been personally dealiing with Transunion but they have not acted upon my complaints. As a result, my credit scores have suffered tremendously and i have be wracked with XXXX  because if it. Please help me out with my concern. Thank you very much.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

1. XXXX XX/XX/XXXX, Acct # XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX has violated my rights under 15 USC 1681 section 602 A. states I have a right to privacy. 15 USC 1681section 604 A section 2 also states consumer reporting agencies can not furnish with out my written instructions.
Consumer complaint received 2022-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ENOVA INTERNATIONAL, INC. (IN)

First of all, I never filled anything out at any point in time for a payday loan on XX/XX/2022 or even within the last 5 months. I called XXXX to request that they delete my information they had on file and informed them that I never asked for them run my credit for a loan I never asked for. They told me they couldn't delete my information by law. When i asked them about the state statute or US code that covered that law i was told they couldn't provide me with that information. I asked to speak with a manager and was told there were no managers available and that one would call me back. That was literally over 45 minutes ago as i searched for this complaint and currently am writing it out. I asked for the employee 's information, name is " XXXX '' and she refused to provide me with her employee number, so i could report this to her manager that was not magically not available during the length of the call, which i extended on purpose so i could make sure to catch the manager. I asked again, why she couldn't erase my information, that i did not provide. Again she said it was the law. I again asked for the statute or code that covered this particular law she was referring too, nothing again. I informed her that i was going to be reporting her to the FTC and going to be getting a lawyer involved in the situation. I was denied again. I informed her that not only is this company stealing my information but that i was going to be pursing a law suit against her as well for also being criminally negligent as well by honoring my request to delete information that they were not entitled to per myself.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

I had a checking account with Wells Fargo in 2018. A lot of times my account was frozen for no reason and my checking account was eventually closed. I was never given a reason why, which was very frustrating and inconvenient.
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint on this issue with CFPB before : XXXX. Thank bank 's response to that complaint, however, completely omitted the issue of the fraud system text messaging verification system failing, and the bank 's resolution was the exact same resolution that I tried last XXXX and it did not work. 

I just got off the phone with the XXXX  XXXX at Wells and she stated to me that there is no way to ensure that the bank will not block access to my funds via ATM again. There is no way to tell why the bank flagged this as fraud. And there is nothing more I can do about this situation. 

So I am, at the advice of the bank, filing a new complaint so that the issue that bank failed to address the first time can be addressed, and we can continue the conversation about how I can be reasonably sure that when I go to ATMs to withdraw cash that the bank will in fact allow me to withdraw the cash.
Consumer complaint received 2022-12-28
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)

XXXX XXXX XXXX appeared on my credit report it should not be on there via : 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s-2 ( 8 ) ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( i ) conduct an investigation with respect to the disputed information ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( ii ) review all relevant information provided by the consumer with the notice ; 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 15 U.S. Code 1681s-2 ( 8 ) ( E ) ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

15 U.S. Code 1681c ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : If this is a chargeoff, according to the IRS publication a charge off is income chargeoff is a certifcate of imdemptment. I did not receive a XX/XX/XXXX( to cancel this debt ) and income is not reported on a credit report!
Consumer complaint received 2021-03-18
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. (TX)

My only collection account has been deleted and a debt was paid off and my credit score deceased by 9 points instead of increasing. I am working to increase my score, and Experian is the only credit bureau that is decreasing my score and will not explain why.
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (AL)

I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, which they have! 
However, the credit reporting agencies have violated the FCRA and continue to do so EVEN after speaking with them 3 times!! They have received communication from myself and the creditors but when speaking with them they have advised that they can not and will not delete the inaccurate information. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2022-04-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (KY)

I recieved a post-dated letter ( XX/XX/22 ) in the mail about an auto debt that i have no knowledge of. This is the first notice I've recieved from Convergent outsourcing Inc . But there is no section that informs me of my right to dispute or request the furnishment of documents to validate their claim. 

The inability to view my rights to validate is a violation of 15 u.s.c. 1692g The post dated parcel of mail is a violation of 15 u.s.c.1692f
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (PA)

I set-up my Direct Deposit from my Bank account at XXXX ( XXXX XXXX XXXX ) over to My Checking account at Wells Fargo and fund were not received to access by XXXX XXXX