davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern : I am writing this letter in regard to incident theft which was discovered by me on XX/XX/2019. I have been banking and had safe-deposit-box with WELLS FARGO branch in XXXX, CA ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have been saving most important and valuable objects at this branch SAFE-DEPOSIT-BOX, thinking that there is no other place that my staff can be kept safer, but it turned out that is not quite true. My box was drilled in XX/XX/2019, I was told that it was a human mistake instead of drilling another customers box they drilled mine and took all my belongings. I was in a shock ; I was frustrated but the branch supervisor insured me that I will get all my belongings in the good condition. But unfortunately, I had not only got damaged items but also missing items. I was told that in order to process the claim I need to submit several documents : affidavit, police report, proof ownership, appraisal of the damaged items. I had provided all the possible documents they asked me and after several months of the investigation, which should have taken 30 days by the way, they informed me that the claim will be denied unless I claim to my insurance. I have been cooperating with the branch manager, as well district manager to resolve the issue. Once I discovered, I was approached by the branch manager ; therefore, was assured that they will investigate their fault, and resolve the matter. Since then I have been battling with them, trying to understand the delay, and their lack of professionalism. I would never think that WELLS FARGO BANK being very reputable, and known bank would make such a mistake, and make things more complicated, they dont even care that they had violated my privacy, because they want to escape the responsibility they are asking me for more documents which I have never been told. 

I am just asking for your help, to look into my matter with much more thought. Please investigate thoroughly and help me to end the nightmare which I have been dealing with for about 6 months. 

I would like to thank you for your valuable time and am hoping that your investigation will finalize my matter in a timely manner. 

Please find all the attached documents presented to WELLS FARGO BANK, thus if you need more details in regard to the process, please dont hesitate to contact me. 


Sincerely Yours, XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 i Certified mailed Equifax Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Equifax ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer. 

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 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 I have uploaded all of the proper documentation to support my claim.
Consumer complaint received 2020-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

I had an overdraft account with Chase from XX/XX/XXXX-XX/XX/XXXX that had an unpaid balance. In XX/XX/XXXX I contact the bank to resolve the balance and was told I would be able to open a new account once I paid the balance. I paid the balance and waited 10 days to open account. When I opened the account within 2 weeks they closed the account. Then in XX/XX/XXXX I attempted again I tried again to open a prepaid account. I was told I could never open another account with Chase.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXX PAID ON BANK STATEMENT TO XXXX XXXX XXXX XXXX PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

I been trying to get my XXXX data breach settlement and receive my free Credit Monitoring through sense XX/XX/2023. Experian had me paying {$25.00} a month when I was told its free for XXXX data breach victims. They pretend to help and agave me a 7 day trial instead of a year premium as should. They placed my on the Basic plan instead of premium. They forced my credit report to be unlocked 3 times for others and creditors to see Dearing disputes. The refuse to handle my disputes by the FCRA policy and guidelines correctly. When I try protecting myself through the Fair Credit report Act, They tell me that FTC and FCRA don't know what the laws are, and dont know what they are talking about, and the FCRA 's are wrong about the 7 year limitations, that they are wrong about Civil Judgements, That FTCA are wrong to say all information on report must be accurate, and that the FTCA are wrong about medical information on credit report. Its like the FTC don't matter to them and they are going against the FCRA and been in trouble before by doing the same thing on the FTC Website. They have been depriving me of my rights to disputes sense XX/XX/2023. No matter how much material I send from the FCRA and The FTC. The more they intentionally unlock my reports, change my credit report information, and refuse to remove inaccuracies and Judgements and limits pasted. They are scammed and I dont want them handling any of my information. Everything must be accurate across the board, or removed once a consumer report. They are to act accordingly and not acting bias as they have to me. Experian has been a disappointment. And the even have information showing for XXXX. XXXX say there are nothing on my report : But Experian Basic plan Shows there's a medical on my XXXX. They send me back and forward wasting alot of my time. I want a lawsuit on Experian and XXXX for Deprivation of Rights.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAVALRY INVESTMENTS, LLC (IL)

Original creditor was XXXX  which was in the BK field XX/XX/XXXX which have a XXXX balance Cavalry Portfolio Ser bought the debt XX/XX/XXXX after BK was file and please in collection XX/XX/XXXX ask XXXX XXXX with a XXXX balance asked the original creditor this is a Reappearance of a trade line and after the BK was file.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK (CO)

XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
It appears to be a Discover Credit Card under my social with a balance of {$6600.00}. 

Account details : Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Date Updated : XX/XX/XXXX Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX Credit Limit : Credit limit of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8500.00} from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Sensible Auto Lending, LLC (CT)

I, XXXX XXXX, Consumer/ Natural Person am now aware of all rights that I have, and which are protected by Congress under the Fair Debt Collection Practice Act pursuant 15 USC 1692a ( 6 ). It has been brought to my attention and understanding that Sensible Auto, has violated multiple rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant 15 USC 1692b ( 2 ) Sensible Auto communicated with third parties furnishing my personal location information and stated that there was an ALLEGED DEBT violation pursuant 15 USC 1692b ( 3 ). Because of Sensible Autos abusive practices, I have incurred serious injury pursuant 15 USC 1692 ( a ) and 15 USC 1692 ( b ) by having my vehicle removed unlawfully from my property. This has caused me grave danger and put me in financial hardship and caused me mental and physical anguish.

Under 15 USC 1692 c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand pursuant 15 USC 1692c ( c ) that you cease ALL further communication through ALL and ANY MEDIUM EXCEPT for communication of remedies for XXXX XXXX, the consumer and natural person, via EMAIL ONLY. Pursuant 15 USC 1692, I am invoking specified remedy as the original creditor, and I demand :
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I received a response on a previous complaint about this company. In the response a bill was attached, however, I sent a validation letter to this company on XX/XX/2021 by certified mail. In this letter, I ask the company to validate this debt by sending me a copy of a signed contract. Also in this letter, I ask that no information be reported to the credit bureaus. The validation letter was received by the company on XX/XX/2021. I just reviewed my credit information and I see that this company updated information on my credit file on XX/XX/2021.
Consumer complaint received 2021-03-16
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Ive been with comenitry / jarred bank for over a year there finance department is completely horrible if my payments are late by one day the are adding extra fees and including a extra payment to my account and if I dont pay the extra fees and payments they would report me to the credit bureau as being over 30 lates and then when I make my minimum payment they still say that Im late and the never give me a grace period for my payment Ive been sending in letters and calling customer service and when I ask to speak to a supervisor they get rude and refuse to transfer me to a supervisor my last payment I made was in XXXX due to the fact that I was completely Ill due to XXXX  XXXX when I was able to call today they stated that I almost XXXX for my account this is completely unacceptable and horrible they take advantage of the consumers and when I call they dont help at all
Consumer complaint received 2021-03-16
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: TRUIST FINANCIAL CORPORATION (VA)

I disputed a charge XX/XX/XXXX and was told it would take 30 days. It was for XXXX dollars. Made in XX/XX/XXXX. 
I took a pair of frames to an eye care place. They didnt put the right lenses in the frames, refused to fix it when I told them when I picked up the glasses,, then lied to me and told me they put in a product that they didnt even put in the lenses. I need to have glasses for driving and have an extreme sun sensitivity which is why I wanted the dark dark transitions made for driving to start. This is not what I got and the prescription wasnt even done right. One lense was blurry the other side was magnified more than the prescription The merchant refuse to email me back or fix it when I told them when I picks the lenses up. The frames I owned prior. 
I emailed the merchant and called several times and kept getting the run around and they refused to refund my money I filed a dispute with sun trust XX/XX/XXXX and was told it would take 30 days. They did not even give me a credit as is usual policy. Its been past 30 days and I am asking for the bank to release the funds so I can go somewhere else and get new lenses. The right ones
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently reviewed my credit file and saw errors. I contacted Transunion via phone and certified mail dating back to XX/XX/2021 and have not gotten anywhere. They have placed this negative account on my file with no verification provided to me. It is in accurate and needs to be permanently deleted now as this is damaging to my attempts for employment and home ownership, and with this negative info on my report. It had cause me to be denied fir my home loan and employment.
Consumer complaint received 2020-03-12
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)

In XXXX XXXX XXXX Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.
Consumer complaint received 2022-09-06
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-16
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 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 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX XXXX XXXX Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.
Consumer complaint received 2024-03-14
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. (SC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXX and XXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX and XXXX actually documented that the credit bureaus in fact reported to XXXX and XXXX bank that their was hard inquiries and low credit scores when I spoke with the credit bureaus TransUnion, XXXX, XXXX I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations
Consumer complaint received 2023-01-16
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. (OH)

I am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to XXXX, Experian, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. For some reason, I realized that there were 30 days late payments on my credit report due to the bank sending the bill to the wrong address. The bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXXXXXX XXXX