davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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. (NY)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (AZ)

Williams & Fudge ( located in Virginia ) repeatedly called and harassed me after I asked to stop and hung up several times. This was all for a bill for my XXXX  school that was already paid for. They called me from a number that was disguised as my work office, or they called my work and had it transferred to me. I just checked my credit score, and it dropped 25 points from claims against my reputation.
Consumer complaint received 2022-07-19
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: Nelnet, Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2022-07-19
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. (MI)

in Accordance with the Fair Credit Reporting act XXXX Bank 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 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XXXX, I activated a new card with a new number that requested after a fraudulent charge was made to my account. This new card was the 3rd card requested. I did not receive the previous 2 cards, although Capital One claims they were sent. The 3rd card was received after being shipped via an alternative method that required indirect signature confirmation. Upon activating the new card, I got a pop up window notice that showed 2 active cards and an additional authorized user. The additional card and authorized user was never requested by myself, and the authorized user is a name unknown to me. The only solution offered was to process a request to remove the user and card. Capital One was not going to investigate, take any account protection actions, or even admit an unauthorized user could have been added. I requested an investigation into fraud activity and was told the only action available was to process a request to remove the user. I am unwillingly to submit a request to remove an authorized user and agree to the verbal terms provided for a user that I never authorized in the first place. Without any investigation into the fraud conducted, there exists opportunities for the executed fraud to continue unabated. Further, Capital One was requiring me to accept terms and language that were categorically false regarding the removal of the unauthorized user.
Consumer complaint received 2022-07-19
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. (MI)

in Accordance with the Fair Credit Reporting act XXXX Bank 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 2022-01-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 Tuesday at XXXX am, I had a gentleman by the name of XXXX ID # XXXX call me on my cell and said he was calling from Wells Fargo Fraud ( the number that he was calling from, I looked it up online as I was talking to him and that day it was a legit Wells Fargo Number ) and had asked if I made 2 purchases. One in the amount of {$1000.00} and the other in the amount of {$2500.00} I said no and he said that we need to XXXX my money back to me. So he sent me a code to put it in XXXX, typed my name as the recipient, but it actually went to him at XXXX XXXX. As I hung up I knew I fell for Fraud so I immediately called Wells Fargo, they put a claim in and said I had to wait 10 days to see if I get my money back ( Which the transaction was pending that day in my account and when I looked the next day, Wells Fargo had put it through ) So when I called on the 10th day Wells Fargo had told me my claim has been closed because there is nothing they can do and it is what it is. Well I do not beleive it is what it is. I have all documentation showing that I had called them, reported fraud, also Wells Fargo stating that if I didn't send this money or if it is fraud to please call them and I did within 2 minutes of it happening. I have emailed XXXX, FBI, talked to Wells Fargo and contacted XXXX XXXX XXXX XXXX. I think they should refund my money.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

On XXXX XXXX, 2015, I logged on to my PNC account from home to pay my bills online. I have XXXX accounts, XXXX XXXX and XXXX XXXX. I selected the Virtual Wallet account and then proceeded to pay my bills. The next thing I knew, on XXXX XXXX I received an email saying that my Standard Checking account was overdrawn. I logged onto My accounts and XXXX of the bills had been paid from my Standard Checking. I, at no time, selected Standard Checking as the account I wished the bills to be paid out from. I was charged XXXX {$36.00} overdraft fees. I contacted PNC about this. They directed me to the Online Escalated Service department. Their representative stated she understood what had happened but her system would only permit her to refund XXXX {$36.00} overdraft charge. She stated that because I had had XXXX overdraft charges refunded to me in the past 12 months there was nothing she could do. I do not recall having been refunded that many overdraft charges. Maybe XXXX or XXXX but even if I was I do not see why I have to pay anything in this instance when this was not my error. I informed her that I would be pursuing this because it appears to me that the system defaulted to my Standard Checking in the middle of doing my bills and if this is the way it happens, then the consumer is set up to fail. XXXX of my bills did come out of the Virtual Wallet account then switched over and took the next XXXX out of my Standard Checking. I did not do this. Why would I suddenly, in the middle of paying my bills, switch over to the account that did not have the funds to cover them?
Consumer complaint received 2020-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

Good morning, I called my student loan provider this morning to initiate a refund for a payment made on XX/XX/2020. From my understanding, through the CARES ACT and PRESIDENTIAL ACTION ANY payment made towards to your student loans between XX/XX/XXXX to XX/XX/2020 can be refunded. My student loan provider informed me because the payment I made made the loan paid in full, they don't have the tools to refund me the payment. I feel this is a direct violation of the Cares act and the action the president took. 

Thanks
Consumer complaint received 2023-08-03
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. (LA)

For the following credit report agency : XXXX, Equifax, and XXXX ; I did not give permission to have the following accounts ( XXXXXXXX XXXX XXXX XXXX ) furnished on my credit report. { Reference : 15 usc 1681a2 } The following accounts ( XXXXXXXX XXXX XXXX XXXXXXXX ) are under litigation and i have submitted a FTC for the fraudulent activity.
Consumer complaint received 2021-08-10
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. (MI)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
The following personal information is incorrect
Consumer complaint received 2022-07-19
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)

On XX/XX/XXXX I mailed a letter to TransUnion Consumer Solutions requesting they update incorrect and outdated personal information on my credit report which included incorrect and name variations, addresses, phone numbers, and places of employment. I requested this due to the rise in identity theft which I have been a victim since XXXX. 

On XX/XX/XXXX I received a response from TransUnion Consumer Solutions that I did not write the letter I sent them and they also insinuated that I let an " unauthorized 3rd party '' submit my information. This is 100 % categorically false. I wrote the letter personally and expected the matter to be resolved. I have included as proof : 1. The original written letter to TransUnion Consumer Solutions 2. The response letter received.
Consumer complaint received 2022-08-08
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)

In accordance with the fair credit act conversion of the accounts listed below has violated my rights. 

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  15USC1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SEC 604 A SEC 2 STATES : CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.
Consumer complaint received 2019-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have send 2 letters with attached requested documents for my identity to Transunion. I have several items reporting incorrectly on my credit report. They always use to send a generated report not proof, no verification no requested documents etc. I have not received any verification or deletions to my recent disputed claims with them. I sent this information via Certified mail. They are failing to provide and proof due by federal mandate. They are reporting inaccurate information, cards that were stolen from me and more.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

In XXXX of XXXX I forwarded a {$100.00} payment to Capital One along with a note to divide the payment ( XXXX ) ways in which I requested {$50.00} be applied to XX/XX/XXXX payment due, With {$25.00} being applied to XX/XX/XXXX payment due and requested the remaining {$25.00} to be applied to the XX/XX/XXXX payment due. 

Because Capital One failed to apply my payments as requested and to further the matter has failed to reverse the entire {$100.00} payment applied to the XX/XX/XXXX payment, my account is now past due,, as well as the company adding both a late charge and a finance charge. 

I forwarded the {$100.00} payment back in XX/XX/XXXX with the intent to pay ahead as I knew I would have other obligations to take care of during the months I paid ahead and did not want to affect my credit. 

I have spoken with Capital One reps at least ( XXXX ) times about this matter and all calls ar said to be recorded.
Consumer complaint received 2023-03-28
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX {$7300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2021-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota financial made my credit drop on a Sunday afternoon 165 pts Toyota financial claims they received a signed contract on XX/XX/2021 the account number is different from what I was given and the company was thru Toyota motor credit Corp that has a different address. He interest rates are different the amounts are different and the flash drive I was given for my copy was blank. The contract that Toyota financial sent consumer financial protection bureau on my first complaint on this was complete fraud. Saying they received signed contract on XX/XX/2021. When if you read the bottom. Of every page in fine print the contract was signed and completed on XX/XX/2021 @ XXXX. ( 14 days after they extended credit to someone I signed a contract with very different numbers ) I came to dealership pre approved with another lender and all of the numbers were different on My contract I signed.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX BANK XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXX : {$8600.00} ; XXXX XXXX ( Original Creditor : XXXX T XXXX  ) XXXX Balance : {$160.00}
Consumer complaint received 2023-03-30
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. (MI)

I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : XXXX XXXX XXXX XXXX XXXX : {$5900.00} Original creditor : XXXX XXXX XXXX XXXX Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/XXXX  ( XXXX XXXX ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.
Consumer complaint received 2022-01-18
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: Avant Holding Company, Inc. (GA)

Your company broke the law!!!!!!! 
Your company is in violation of the following subsection of the Fair Credit Reporting Agency. 15 USC 1681b. Congress makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report. 

As a consumer reporting agency, XXXXAvant used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Spoke with XXXX XXXX, Experian, XXXX and XXXX XX/XX/21 and XX/XX/21. I sent supporting documents police report, letter from court. XXXX has removed it but the other agencies has not.
Consumer complaint received 2023-03-30
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account 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