davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX I issued check XXXX for {$1500.00} payable to XXXX XXXX. They are the property manager that I rent office space from. I mailed the check via USPS that day to their office. 
I was contacted by the property XXXX and advised that rent had not been received on XX/XX/XXXX. I contacted Wells Fargo and requested a stop payment on the check on XX/XX/XXXX. I was charged {$31.00} to stop the payment on check XXXX. 
I noticed an unrecognized payment on my statement on XX/XX/XXXX and reported it to Wells Fargo. I was assigned claim number XXXX. 
On XX/XX/XXXX check XXXX was cashed by XXXX XXXX XXXX XXXX. The check had been obviously and poorly altered. The cashed amount was {$6500.00}, to the payee named XXXX XXXX. 
As of XX/XX/XXXX I was advised by Wells Fargo that claim XXXX was denied. 
After calling and requesting to discuss with the investigator 4 times a week since XX/XX/XXXX I have received no contact or information from Wells Fargo at all. 
This is obvious fraud, and is very traceable since the bank that accepted the check did so for an account holder. The only reason this could have happened that does not include a gross negligent oversight by the banks, is if they have employees or agents participating in the fraud directly.
Consumer complaint received 2022-12-12
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. (LA)

I sent a letter on XX/XX/2022 asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
In 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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to 15 USC 1681i - Experian, XXXX, and XXXX  have 30 days to investigate and send me the results.

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2022-12-12
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. (CA)

Back in late XXXX I received an email from XXXX saying that the application for my new XXXX XXXX XXXX credit card was being processed, as soon as I saw that I called XXXX  XXXX XXXX and told them that the account created was not mine, and that I wasn't the one that opened it. They proceeded to tell me that they didn't have any account open with the info that I provided them- that being my name, the address they used, and an ( XXXX ) number. When I didn't get any answers from them I called Experian and they opened an investigation as well as a freeze on my credit report. On XXXX XX/XX/XXXX I received an email from XXXX saying that a new account was posted on my credit report so I called Experian again and they said that no dispute had been claimed before ; so I opened a new one and made sure it was filed this time alongside the freeze. Today XX/XX/XXXX I received an email saying that they had closed their investigation and that they concluded after talking to XXXX XXXX XXXX that the account that was opened is mine and they can not take it off from my credit report or close it. I called again this morning and re-opened my claim, this time I will have this identity theft report to help me since I didn't have it last time.
Consumer complaint received 2017-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (TN)

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
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. (TX)

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  : # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-12-12
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. (TX)

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, 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 2022-12-12
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. (TX)

FCRA Violation : address not mine 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 FCRA Violation : credit card not mine XXXX XXXX XXXX FCRA Violation : XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : hard enquiries not mine 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 Violation accounts not mine remove from account .
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Hello, I have a few Capital One credit cards with your company. I am writing to ask if i can have my credit reporting updated for my account ending in XXXX. I pulled my credit report and it shows late payments starting in XX/XX/XXXX through XX/XX/XXXX. I was in an accident XX/XX/XXXX which caused me to be hospitalized and miss my monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When i was finally able to return to work XXXX happened and i was impacted by that which then caused me to continue to miss payments ( XX/XX/XXXX and XX/XX/XXXX ). As you can see as soon as i was able to work, i began making my payments on time and only missed one more in XX/XX/XXXX when my contract abruptly ended for Covid. I am asking if you will please remove the late payments from my credit report. I have consistently paid on time since my hospitalization and Covid.
Consumer complaint received 2023-07-03
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. (FL)

m not liable with XXXX XXXX XXXX XXXX i do not have contact with XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as i requested. 



correction to me my credit report i demand this account be remove from my credit report
Consumer complaint received 2023-07-03
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. (TX)

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.

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 2017-04-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (MD)

Ordered card from Barclay MasterCard being told that the $ XXXX annual fee would be waived for XXXX Just received a letter that next month they will charge the fee despite being told that they would waive it. I would n't have an issue if they gave a year from the notice or would charge when the card was up for renewal but less than two months to pay off the balance or be forced to pay something that I was originally waived? Does n't seem right to me.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I purchased XXXX XXXX tickets, three of them, in the summer of XXXX for a show in the summer of XXXX. The concert was canceled because of COVID and rescheduled for a later date, at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the rescheduled event was also canceled because of severe weather and lightning storms. XXXX did not reschedule a third time and said payments would be refunded. During this period I was in the process of switching banks because XXXX was going out of business. My credit card was a XXXX Comenity Card which I closed in XXXX of XXXX. They are saying they sent me a check for {$470.00} in late XXXX. They did not have any reference/proof that they did. I asked them to send a copy of the canceled check and we would pay them back, knowing I never received the check, that I had moved, and that I had closed the XXXX Comenity Card. A year later in the summer of XXXX, after many phone conversations with Comenity, they did indeed send us a check to refund the 3 tickets and I cashed it and thought the whole issue was resolved. One month later I received a new bill stating that I owed the {$470.00} again. I spoke with customer service and they said they would look into it. I received a letter on XX/XX/XXXX saying that we still owe the money with no proof that a check was originally sent to me and cashed.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST HERITAGE CREDIT LLC (LA)

This company has made repeated calls to me on my cell phone and at work. They call me from cell phones without identifying who they are just saying " hey, call me ''. they call my contacts and relatives from unknown cell numbers saying " hey, call me '' so that they will get a returned call. They have called every one of my list of contacts in one day saying they were looking for me. They call me one time and if I do n't answer they call my daughter and tell her that they are looking for me. They 've called my daughter 's boyfriend, my former mother in law and both my daughters on their cell phones saying they were looking for me. They have also done an unauthorized credit bureau check in XX/XX/2016.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/XXXX, I deposited a check from my home owners insurance and was told by the bank teller that it would be a 7 day hold. After the 2nd hold day, I received an email and letter stating that the check needed another endorsement from my mortgage company. I went to the bank spoke with the teller, she refused to give me the check so I called the insurance company to cancel the check. The insurance company stated that they could not cancel because the check had already been cashed. The bank then said they would place a 14 day hold, then a 30 day hold. On XX/XX/XXXX, the teller from the bank informed me that the funds were returned to the insurance company. After calling the insurance company to check on the funds several times, we recognized that the funds were never returned. On XX/XX/XXXX, the insurance company submitted an affidavit to recover the funds from the bank. On XX/XX/XXXX, the bank placed the funds in my account and I began to use the funds for my home repairs. Then, on XX/XX/XXXX they removed the funds. I called to ask why, and they don't give me an answer. One customer service rep stated that the funds could not be verified.
Consumer complaint received 2024-02-07
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. (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX  continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services for XXXX  XXXX XXXX XXXX XXXX XXXX XXXXk, effective immediately.
Consumer complaint received 2022-12-27
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. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXXXXXX XXXXXXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX
Consumer complaint received 2022-12-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a dispute threw the CFPB asking Experian, XXXX, and XXXX to investigate my accounts. According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. AccountXXXX XXXX XXXX XXXXXXXX Acct # XXXX & XXXX, XXXX Acct # XXXX
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (MD)

To whom it may concern at Gateway One Lending and Financing I am looking at my payment history and what I am seeing caused a red flag to go up. Why is my payment to principle and payment to interest fluctuating month to month? Each month my payment is this same, {$580.00}, but what goes to principle and what goes to interest jumps around. If this continues to happen it would take longer for my loan amount to be paid off. I have filed a complaint with the Consumer Financial Protection Bureau as well as cced the agency in on this email. I am eagerly awaiting your response in writing. <P/>Date Transaction Type Amount Principal Interest Fees Balance XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$430.00} {$150.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX PHP_PAYMENTS {$590.00} {$390.00} {$180.00} {$9.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$450.00} {$120.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$400.00} {$170.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$390.00} {$190.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$340.00} {$230.00} {$0.00} {$35000.00}
Consumer complaint received 2022-12-12
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)

I already made a dispute about a Credit Card on XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/2017. I never had a credit card with XXXX XXXX XXXX. XXXX states that all information it`s accurate. But it`s not
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (CA)

YOU NED TO RE-INSERT THE FOLLOWING ACCOUNTS ATTATCH TO MY DOCUMENTS, I NEVER FILE A FRAUD ON MY REPORT. I'M BEGGING YOU. YOUR THANK YOU YOU FOR YOUR ATTENTION.