davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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. (FL)

This was a secured credit card for {$3000.00} dollars and every time I used the card I made sure my payment were made on time through their online payment methods that were provided by the credit card company, however on three different occasions the credit card claim they did not receive the payment or didn't received it on time. After the third time the credit card company made the exact same mistake, I decided to close the secured account of {$3000.00} dollars and take my business else where. The credit card has since charged off the account with an outstanding balance of {$160.00} dollars which is completely not true and I have made several attempts to resolve this issue with the credit card company and through the credit bureaus to no avail. This is severely hurting my credit.
Consumer complaint received 2024-02-13
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX I called Wells Fargo about the {$3800.00} interest charges on XX/XX/XXXX. I advised the reps that I was never told about deferred interest rates and all the verbiage I received was positioned as 12 months interest free intro APR. Like all other lines of credit, I expected standard intro APR terms in line with any other financial product with similar promos. Turns out, the product is deferred-interest, something I have not heard of before and never was informed of at the time of application. I have other ways to pay that off in full to avoid the interest if I had been better informed. They expressed that the interest is available on all statements, including which is true but not any less deceptive. Having a jewelry employee explain financial products to me is a problem and caused me to be deceived. I asked to work with me and waive the interest so I could pay off the other balance but Wells Fargo was unwilling to assist me. They sent an escalation form out and I am supposed to hear back in 2 business days.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 
This debt collector has not provided me proper debt validation for this average debt. 
The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXX rt by more a consumer to any consumer reporting agency it the pers
Consumer complaint received 2024-02-08
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. (KY)

Pursuant to the laws set forth below, you : XXXX, TRANSUNION, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, TRANSUNION, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
DocuSign Envelope ID : XXXX Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. 
( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, XXXX, AND TRANSUNION, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS. 

THESE VIOLATIONS.
Consumer complaint received 2021-01-21
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. (TX)

XXXX XXXX XXXX XXXX made a late payment report to all credit bureaus in XX/XX/2019 

XX/XX/2019 : Called at XXXX and talked with an agent by the name of XXXX to submit a payment extension for the month of XXXX XXXXXX/XX/2019 with the promise of payment date forXX/XX/2019. 

XX/XX/2019 : Talked with yet another agent XXXX XXXX XXXX and he sent yet another document for me to sign electronically. 

XX/XX/2019 : Talked with agent XXXX and confirmed that the second document was signed and received on XX/XX/XXXX and had been approved but due failures within their system that reflected 2 documents signed for the same reason, I had yet to sign another one, making a third document signed in les then a month. 

XX/XX/2019: payment for {$700.00} was made in agreement with the extension. 

I have audio recordings with a supervisor accepting and apologizing for this issue and the mess it made within their own system. 

When I called XXXX XXXX to get it all clear, they said that at this point I have to submit dispute to Credit Bureaus. 
Its been 2 years dealing with the bureaus to correct this error, this is not my doing, not my fault.at all. 

I suffered a great deal of inconveniences and much damage to my credit record and score, even hired a credit repair company and to this day sill unresolved and I find myself in a bind and in much need to refinance the loan to help with the situation Without a doubt disturbing and a pebble in my shoe.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I just received my credit report update by Experian Report As Of XX/XX/XXXX. Experian is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from Experian letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. XXXX has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. Experian, XXXX, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of  my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. Experian, XXXX, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: U.S. BANCORP (AZ)

I applied for a card through Desert Schools XXXX. They then transferred me to the third party ( Elan Financial Services ) at this time I kept getting an automated response that my card was to be shipped to me. This would not be a problem however I did not agree to any terms of this card at the time. I do not know what limit I am getting or what the terms are to it. The people at ( Elan Financial Services ) keep telling me I will not know the limit or the terms until I have received my card. This presents a problem because I would not want to open the card if the terms and limit were not acceptable to me prior to getting the card. Now when I get the card my credit will be hit showing that I have opened a card and closed it within days. This is predatory lending so that someone can make a commission by pushing a card without first getting the limit and terms accepted by the the consumer approved. This will adversely affect credit scores and thus access to future credit.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reviewed my consumer reports and noticed that I had three late payments on an account that I was never late for. Extentions were granted for each of the late payments reported prior to 30days of being considered late. I contacted and informed furnisher of error. See attachments XXXX XXXX ACCT # : XXXX Please 15USC1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
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: 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.

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 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed various items on my XXXX, Transunion, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted an identity theft and police report to XXXX, Transunion and XXXX  and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the information currently associated with my accounts. It appears that there are inaccuracies regarding the status of my accounts, specifically concerning the merging of files and the characterization of my payment history. 
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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. ()

I have a auto  loan with XXXX XXXX XXXX and they have not reported any of my payments since XXXXXXXX XXXX XXXX, I have tried to get a different vehicle from another lender and they are telling me that it looks like the vehicle I currently have was repossessed in XXXX as there is. O payment history. I also believe that my current amount owing is incorrect. As they are reporting only 14 months of payments when I've had my loan for over 24 months.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I refinanced my loan recently and the mortgage was assigned to a different servicing company with the first payment due on XX/XX/2020. I mailed a check on XXXX XXXX which the company confirmed was received before the end of XXXX, 2020. 
However, my payment has never been " posted '' to my account after over 4 weeks and I am now receiving phone calls and letters stating that I am Past Due on my account. Furthermore, the servicing company has now turned off my Autopay function and now my second payment due on XX/XX/2020 will not be processed causing me to remain Past Due on my account for 2 payments.

The servicing company has been contacted 4 times in the past 3 weeks regarding this issue and keep telling me that their Cashiering Department is not responding to requests for an update on this issue or that I will receive an update " in a few days ''. They can not confirm when it can be resolved by posting my original XX/XX/2020 payment.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MN)

On XXXX/24 I requested that the following account be verified or removed immediately. Name of Account Account Number Verification JPMCB CARD XXXX Validate Account JPMCB CARD XXXXValidate Account JPmcb response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report. 15USC. 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 I was told the verification was sent to an attorney XXXX XXXX XXXX of XXXX MD XXXX Address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone : ( XXXX ) XXXX. 
I phoned this attorney and was told that they did not have information that was connected to my name. 
I have never attained an attorney for any reason.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2020-05-16
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: Experian Information Solutions Inc. (GA)

I recently applied for a credit card and notice that my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.