davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act this Creditor has violated my rights under 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 an account without my written instructions.

under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (LA)

For several years I had an account with XXXX. They then transferred my account to Gemini on XX/XX/XXXX. When I attempted to withdraw crypto and currency from my account on XX/XX/XXXX, to close it, I was unable to and received an automated message that they were still " verifying '' me and were experiencing high volume. I initially had {$10000.00} invested. That is down to only {$3800.00}. I need my money back. I need your help. They are a XXXX enterprise. I can not afford to lose my money. They are not responding and there is no way to reach them.
Consumer complaint received 2022-05-19
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. (TX)

I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.
Consumer complaint received 2023-01-09
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$330.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$750.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$9400.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX  XXXX XXXX Balance Owed : {$2300.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$1700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CT)

TD Finance works with XXXX to provide financing for XXXX purchases. XXXX XXXX has failed to inform the consumer of an internal policy that states any payment made over {$500.00} will have an extended hold of 15 days. After a review of the disclosures provided and attached, it does not display this information. A payment I made for {$1200.00} was on hold after the funds were withdrawn from my checking account. TD received the funds but did not update the available credit.
Consumer complaint received 2023-02-24
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$410.00} AFFIRM XXXX XXXX XXXX : {$450.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (NC)

I received a random notice for the very first time from this company, and per Regulation F of the CFPB the required itemization that should be provided is not listed on the notice. There is no breakdown on the notice, nor is there the required information regarding disputing the debt. I demand a full cease and desist from this company - and as this is a clear violation of both Reg F, the FDCPA, and FCRA I demand the account be closed and returned to the original creditor.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I was recently sent a check for XXXX which I did not cash. Wells Fargo had me arrested not once but twice on a hot check. Which was paid twice. 2 trips to XXXX plus having to pay the XXXX XXXX and the check off twice! And I get XXXX back?
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well. 

Here are the accounts late payments need to be removed from. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have paid my credit card bill of amount of XXXX $ to XXXX XXXX before i closed my account they are reporting my credit agency to transunion as not paid which is not right i have proof of payments made still my credit report transunion is showing unpaid i want to get it removed so my credit score gets fixed thanks
Consumer complaint received 2022-10-05
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. (NJ)

in accordance with the fair XXXX XXXX XXXX XXXX XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX Companies 4. XXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX  Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX XXXX XXXXXXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX XXXX 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX, Used
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I discovered that the transaction XXXX XXXX/Account # XXXX has been furnished to the XXXX XXXX , Experian, and XXXX and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.
Consumer complaint received 2023-10-24
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. (NJ)

I discovered that the transaction XXXX XXXX/Account # XXXX has been furnished to the Trans Union , XXXX, and Equifax and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.
Consumer complaint received 2019-06-28
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX
Consumer complaint received 2023-04-07
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. (GA)

These Hard Inquiries Were NOT Authorized : XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
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. (FL)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CT)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666B a creditor may not treat a payment on credit card account under an open and consuming credit plan as late for any purpose.
Consumer complaint received 2023-01-20
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)

I found many inaccurate accounts listed on my credit reports that under the violate my privacy according to the Fair Credit Reporting Act under 15 USC 1681 section 602a. Also under 15 USC 1681 section 604a : States that I have to privacy 15 USC 1681c - a5 section 2 : States that a consumer agency may not furnish any account without my written instructions.
15 USC 1681s-2 a1 : States that no consumer agency may make any consumer report containing adverse item of information about me. 

The accounts that have violated my rights are : XXXX XXXX XXXX acct # : XXXX XXXXXXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX  acct # : XXXX XXXX account # : XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  acct # : XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX
Consumer complaint received 2023-10-24
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. (NY)

I would like you to remove all these inaccurate accounts some credit bureaus have entered on my credit report. I never authorized them nor anybody to add these incorrect and misleading items on my credit report. I kept on contacting their department since the month of MAY and they never even bother to give me the resolution I needed. I kept disputing these accounts ( see attach letter file ) and still I have never received any progress with my disputes.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-12-22
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: Credit Karma (IL)

Credit karma originally had issues processing my legal name change from a XXXX XXXX to XXXX XXXX. Now that issue is fixed they cant open the car we it karma spend or save accounts because their system still has the social linked to the old name and now XXXX cant open the accounts I need.
Consumer complaint received 2023-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX Sued and Garnished my Wages. I was Court Ordered to pay {$4400.00} by the court by 10 % increments ( XXXXXXXX per month ). However, I paid {$1000.00} every two weeks and had it completely paid off in 2 months!!!!! 

Now the same collection agency is saying I owe an additional {$150.00} " in accrued fees. '' All fees, Court Cost, Interest were already a part of the total {$4400.00} Ordered by the Court. This is predatory collection practices and I want them ( Midland Credit Management ) held accountable!!!! My Case Number is 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 2023-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint is against the Executive Office at Wells Fargo. In being very careful not to duplicate a complaint against this very questionable Financial Institution, my complaint is very specific to a sole / certain issue in my dealings with Wells Fargo. With the various governmental Financial Oversight Agencies, I can not understand how a Financial Institution such as Wells Fargo is allowed to stay in business??? Their lengthy history of validated fraud, fraudulent accounts opened by Wells Fargo, Customers money removed in a fraudulent manner, such as my {$8800.00} in my retirement savings -- - and lest we not forget XXXX XXXX in Civil Penalties, and XXXX XXXX in restitution, how is Wells Fargo allowed to continue to function as a Financial Institution?? How is Wells Fargo allowed to be trusted with Customers Money?? I'm very angry at myself for not researching Wells Fargo prior to trusting them with my Retirement Savings. 
I have been trying to collect my lost monies of {$8800.00} from Wells Fargo since XXXX XXXX. I have involved the : -- XXXX XXXX XXXX -- Consumer Financial Bureau -- Office of the Comptroller of the Currency -- FDIC Consumer Response Unit and I have posted many facts online for customers to beware -- prior to trusting Wells Fargo with any Financial Activity, and certainly not their Retirement Savings. 

My case was once again turned over to the Executive Dept. at Wells Fargo. The Executive Office Case Specialist assigned to my case is XXXX XXXX. He has communicated with me x 1. He sent me an attachment which I can not download, as I made him aware of this. And of course this is the 3rd Executive Case Specialist that I have been assigned to. My question is simple : why does Wells Fargo continue to shut me out and ignore me? My only goal is to get an agreeable resolution to my {$8800.00} retirement savings, which was lost in a fraudulent manner in transactions by Wells Fargo. And this was after I had my accounts deactivated and disabled!! I am not going away until my {$8800.00} that Wells Fargo list through Fraudulent activity is collected.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (HI)

I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX XXXX XXXX
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

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.