davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I have my auto loan with Wells Fargo and I only have 3 payments remaining but because of the account fraud and auto insurance fraud and merchant services fraud, Wells Fargo has put me out of business taking away my ability to earn a living and generate revenue for my business. And of course I am still in an investigation that has been going on for 12 + months because Wells Fargo refuses to answer all of the questions - I recently filed additional complaints that should have been answered back in XXXX or XXXX but Wells Fargo ignored some of the questions. 

In addition, I have filed a previous complaint and I finally received my refund 3 years later and then the check bounces and no apology - they reissued the check an still no apology. My credit report is still damaged. 

On Friday XX/XX/2020 I spoke with Wells Fargo Dealer Services and was told my account was charged off with no consideration for the multiple Wells Fargo frauds. And I was told by Dealer Services that they don't have anything to do with the other Wells Fargo businesses with the ongoing investigation. So they basically did not care about what happened to or how I had money stolen from my account and more importantly the collateral damage from the frauds. 

Also in complaint # XXXX filed on XX/XX/2020, Wells Fargo denied me the opportunity for working capital by ignoring my multiple communication attempts regarding lenders/investors who wanted to provide working capital and they gave the poor excuse that I did not sign a borrowers consent form - it took Wells Fargo 7 + months to craft this poor excuse. This was an opportunity to get working capital and put my business back on track. 

So now my credit is much worse thanks to Wells Fargo.
Consumer complaint received 2023-02-04
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. (CO)

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 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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-24
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. (VA)

Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all XXXX of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all XXXX of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXX. Sure enough I checked online and it said all XXXX of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the XXXX time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I may not get my mortgage because this affects my credit score.
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

The Fair Debt Collection Practices Act XXXX FDCPA XXXX is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations
Consumer complaint received 2020-03-02
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)

ftc violations https : XXXX The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity all company in violations
Consumer complaint received 2019-07-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I began getting really harassing calls by ACE Cash Express, but it turned out to be a person working on behalf of them threatening to sue me and saying that I will be subpoenaed within the hour and all my bank accounts frozen. Then she was extremely aggressive to take payment and I told her I cant afford to pay off the loan. She then said my only option was biweekly payments of {$470.00} which is outrageous and I cant afford but of course I accepted because I cant afford to pay lawyers and go to court. I just want to make lower payments but she didnt care to listen. If theres anything that can help me please let me know, I could barely afford food right now.
Consumer complaint received 2023-02-04
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. (IL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-12-24
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. (VA)

Good afternoon, This is in response to report # XXXX ; XXXX ID XXXX. I tried to submit this data on experian website but of course their site does not work and errors out. I'm extremely upset and I will need a manager in order to resolve this issue. There is seriously something wrong with the representatives at experian. To make a long story short a dispute was open on all XXXX of my XXXX XXXX accounts for no reason! I called in and told them to cancel the disputes and the next day I looked online and all XXXX of the accounts I have with XXXX XXXX were deleted from my credit report. The only thing that needed to happen was my credit limit with experian needed to be updated and I felt like the rep did not know what they were doing so I told them to please cancel any disputes with XXXX XXXXXXXX. Sure enough I checked online and it said all XXXX of my accounts had been deleted. I'm in the process of closing on a mortgage and this is going to affect me negatively. THESE ARE MY ACCOUNTS AND THEY NEED TO BE PLACED BACK ON MY CREDIT PROFILE THESE ACCOUNTS SHOULD NEVER HAD BEEN DELETED. I feel like the representative did this on purpose. This is the XXXX time experian has deleted on time payment history that they should not have and they never fix the issue and place it back. This is so upsetting! The credit bureaus are always doing something wrong! This is so unfair to consumers and stressful because now I may not get my mortgage because this affects my credit score.
Consumer complaint received 2023-02-04
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 sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Transunion Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies marked out in red ink attached. 

Accounts : Account name : XXXX XXXX XXXX. XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX. XXXX, XXXX. 
Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2020-03-02
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. (GA)

XXXX XXXX is reporting a debt that is not mine. They have failed to provide any documented proof of identity. They have also failed to show any payments made by me to XXXX XXXX. They have repeatedly reported this item on my credit without providing any documentation showing proof of the debt or proof of identity. This item is not mine and your company is in violation of the FCRA by reporting information that does not belong to me. Again I am requesting documentation that proves XXXX can confirm that they verified identy prior to reporting a debt and proof of payments. XXXX has not been able to provide this to myself or any other entity.
Consumer complaint received 2023-02-04
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. (TN)

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. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX, XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascent Holding Co (FL)

My stepdaughter and her father took out a private student from Ascent ( with him as co-signer on the loan ), and as the sole member of our family to have attended higher education, I believe they were substantially misled by this company every step along the way. During the application process they were encouraged by Ascent to choose a loan with a variable rate ( on the rationale that it is apparently their most popular option ), which given how interest rates have risen their rate I understand is now over 15 %. The latest I've heard is they've had difficulty reaching anyone at the loan 's servicer to discuss options available to them. In addition, my stepdaughter regularly reads Ascent 's blog for students, including their tips on personal finances - these appear to be written by someone lacking relevant qualifications, but instead by a college student or intern. I found out my stepdaughter relied upon one such blog post to determine what the deadlines for filing the new FAFSA were for this year, which the article stated was XX/XX/year>. This was apparently incorrect, given some states set earlier deadlines and as a result she potentially missed out on available funding. I just read a Ascent blog post on college tuition, and they show a hypothetical breakdown of a tuition bill, and the math is even wrong on it!! 

Sadly I don't have the resources to pursue any kind of legal action - maybe another effected consumer does .... Anyways, to date I've not been involved in my stepdaughter 's financing of her education, but given the types of companies offering their services, I believe I will certainly need to be going forward ( and will not be choosing Ascent for her future private student loan needs ).
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CRED is alleging I owe them a debt I do not. I have no contractual obligation to pay this debt and refuse to pay it. Before adding this debt to my consumer report I did not receive my notice of my rights to dispute this information before it was added to my consumer report. I would like Midland Credit to forward their authority to collect this debt.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (MD)

( 1 ) Wells Fargo reduced credit limit on the WF Reflect Card without communicating the rationale for the decision in an adequate manner. The customer is paperless at Wells Fargo 's request ; however Wells Fargo chose not to send an email in addition to the letter mail. 

( 2 ) Wells Fargo extended 0 % APR for 18 months without requiring a minimum monthly payment, but now states its CLD reason is " too low minimum monthly payment on the card ''. This was not a requirement going in. 

( 3 ) Wells Fargo listed too many inquiries in the past 6 months as its rationale ; however the only change in the credit report since the WF Reflect Card application is Wells Fargo 's own inquiry to the customer 's credit file in opening this same card.
Consumer complaint received 2023-05-12
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. (FL)

To be honest, it's been months since I checked my credit report and I realize some of the information is still wrong. XXXX credit reporting agencies are required to certify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reports as unconfirmed information without providing evidence within the legal deadline is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) Investigate any items that can not be verified and remove them from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-02
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. (GA)

XXXX XXXX is reporting a debt that is not mine. They have failed to provide any documented proof of identity. They have also failed to show any payments made by me to XXXX XXXX. They have repeatedly reported this item on my credit without providing any documentation showing proof of the debt or proof of identity. This item is not mine and your company is in violation of the FCRA by reporting information that does not belong to me. Again I am requesting documentation that proves XXXX can confirm that they verified identy prior to reporting a debt and proof of payments. XXXX has not been able to provide this to myself or any other entity.
Consumer complaint received 2024-05-16
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)

Dear Sir/Madam, I am writing to file a formal complaint against Transunion and XXXX regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested. 

I submitted an identity theft report to XXXX and trasnuion along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account XXXX : XXXX XXXX XXXX XXXX ( deleted by furnisher verified and updated before deletion. 
Account Name : XXXXXXXX XXXX  ( deleted by furnisher today XX/XX/year> XXXX certified to XXXX that it was accurate and TU and XXXX failed to remove it. 
Account Name : Fair Collections and out ( deleted by furnisher but was verified and updated by TU and XXXX Account Name : XXXX XXXX ( auto loan has certified it is accurate but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, XXXX and XXXX failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification. 

I am deeply concerned about the handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how XXXX and XXXX verified the accuracy of these items. 

Furthermore, I am requesting that Transition and XXXX promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that XXXX 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Transition and XXXX complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future.
Consumer complaint received 2019-01-31
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. (TN)

I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, Experian and XXXX  have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX