davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

National Credit Systems ( Collection Agent  ) claim that I owe their client, XXXX XXXX ( former Landlord ), {$2600.00} is wholly illegitimate. Nonetheless they have wrongfully reported this amount as a collection item to my XXXX major credit bureau reports, which I am seeking CFPB assistance to have removed. 

The former Landlord claims these funds are owed for back-rent, as a result of my vacating my apartment before lease-end. While I acknowledge having vacated before lease-end date, I provided more than required notice of this to the Landlord, and critically, in attempting to re-rent my former apartment, the Landlord failed to abide by XXXX Landlord Tenant Act, Section 83.595 ( 2 ) - choice of remedies upon breach or early termination by tenant. As a result, I find that the Landlord can not collect back rent, from me, and must return my security deposit. 

I detail all of this in my lawsuit against XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX # XXXX ) , slated for Pre-Trial, as of this writing, on XXXX XXXX, 2024.

Nonetheless, the Collection Agent first contacted me around early XXXX 2024, to demand this
payment. In conversation with XXXX XXXX, Collection Representative, on several occasions that month, I explained that the funds that the Landlord claims, are wrongful, and that the Landlord must return my deposit. I submitted supporting documentation to that effect, including the full lease agreement, relevant sections of Landlord Tenant Act, and copies of written communications between myself and the Landlord. XXXX XXXX explained that a resident ledger listing a sum of {$2600.00} is evidence that I owe these funds. I disagree - that the Landlord entered erroneous charges on their resident ledger system does not prove legitimacy- it proves nothing. XXXX XXXX had no response to this point other than that she would look at my submitted documentation again. 

On XXXX XXXX, 2024, the Collection Agent sent me a letter ( falsely ) claiming that I have not submitted information sufficient to validate their claim.
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.
Consumer complaint received 2020-05-15
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: Paypal Holdings, Inc (VA)

My debit card was use unauthorized and PayPal rejected my claim but I didn't make or authorized anyone to make those transactions. 

I reported the problem within minutes from the issue because I started receiving emails ; my login was also change from a different computer to prevent me from login an report the issue and I could get in touch with PayPal because their customer service is closed. After much struggling on my own, I restored my account access by changing both, my email and PayPal password then report the issue immediately. Also continue calling PayPal until I got a hold of someone and cancelled my debit cards but all this effort was useless because PayPal closed my claims without much investigation. 

I'm sure there is some sort of record showing from what computer the password was changed and they need to investigate deeper by working with the store where the transaction were made because they must to have video showing the person that make the transactions. Also don't understand what can you buy at Giant for about {$3000.00} dollars and why PayPal didn't got suspicious of my card running multiple times at this location, since I never make transactions like that and when I do try to use my card, they reject my transactions most of the times when I don't have the funds but this time, they processed those transactions without me even having the funds to cover those transactions. 

The transactions and claims in questions are the following : Case ID : XXXX for {$500.00} Case ID : XXXX for {$500.00} Case ID : XXXX for {$200.00} Case ID : XXXX for {$50.00} Case ID : XXXX for {$650.00} Case ID : XXXX for XXXX
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

I called the loan company and asked if they had any plans in place to help me with my loan as I was furloughed due to COVID-19. I was  advised they would allow my XXXX payment to be added to the end of my note. I accepted that option as it was better than nothing at this difficult time. I began getting collection calls for a payment that was due on XX/XX/2020 but I was confused as that payment was not due per the finance company. I have talked to them multiple times as they call no less than 4 times a day for the payment and I was advised they should not have offered me any help it was a mistake. I explained I have a letter and I was advised I did not have to make a payment in the month of XXXX. I have tried and tried and have not been able to get anywhere with the company. Any help is greatly appreciated.
Consumer complaint received 2021-11-28
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. (TX)

XXXX and XXXX have deleted XXXX XXXX from my account because of inaccurate information. However, TransUnion has continued to break the Law pursuant to 15 U.S.C 1681 by reporting inaccurate credit information on my credit report. 

I have a letter from XXXX XXXX XXXX XXXX stating this account has a balance and past due amount of ZERO.

If the account has a balance of ZERO, then why is TransUnion reporting this account as derogatory?
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (AZ)

My wife had set up a monthly payment towards an account that was paid off. My wiffe had passed away Monthly credits continued to build up. Once i discovered this i sent in her death certificate. They refuse to close the account and send me the credit still on the account.
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (MI)

XXXX ) On or around XXXX XX/XX/XXXX Experian removed information from XXXX XXXX XXXX aka card ending XXXX in consumer 's credit file in response to disputes filed by consumer between months XX/XX/XXXX and XX/XX/XXXX in which consumer notified Experian that : a ) payment history for XXXX through XXXX was false and/or misleading and/or inaccurate ; b ) the Date of First Delinquency reported did not precede XXXX XXXX  alleges took place on or around XXXX XX/XX/XXXX. 
XXXX ) On or around XXXX XX/XX/XXXX consumer submitted another dispute for the item in XXXX ) notifying Experian that the XXXX reported was false/misleading inaccurate/incorrect and as such the XXXX XXXXatings and payment history for XXXX XX/XX/XXXX and XX/XX/XXXX needed to be removed. 

XXXX ) On or around XXXX XX/XX/XXXX Experian reinserted data for Account/Trade XXXX it'd previously removed on or around XXXX XX/XX/XXXX in XXXX ) above. 
Specifically data for months XX/XX/XXXX through XX/XX/XXXX, were reinserted with the same inchoate pattern as alleged by consumer throughout XXXX and XXXX, in which acct is alleged XXXX, then brought current, then allowed to advance delinquent, then brought current, then allowed to advance delinquent then XXXX  again. 

XXXX ) Repopulation of the data previously removed caused the consumer 's credit score to decrease by thirty-eight ( 38 ) points, which Experian 's own system states has caused the consumer 's credit rating category to drop from " fair '' to " poor '', causing consumer financial harm and emotional distress XXXX ) At least one ( 1 ) subsequent update period for the XXXX passed between XX/XX/XXXX and XX/XX/XXXX in which the data remained as changed on or around XXXX XX/XX/XXXX. 

XXXX ) Experian knows ( or has reasonable cause to believe ) the info reinserted for the account/tradeline on or around XXXX XX/XX/XXXX is false/misleading/inaccurate because Experian previously removed the data from the account/tradeline on or around XXXX XX/XX/XXXX. 

XXXX ) Any reasonable individual examining the account/trade as currently reported would conclude the account/tradeline contains serious errors that harm or are likely to cause harm to the consumer.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I have paid off a XXXX XXXX XXXX XXXX  that was reported to ChexSystems as paid off but every time I try to open an account up with any other credit union it doesn't allow me to and the other credit unions XXXX has to override it after I show proof it was
Consumer complaint received 2020-05-15
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$9000.00} XXXX XXXX  XXXX {$4800.00} XXXX  XXXX {$87.00} XXXX XXXX {$200.00}
Consumer complaint received 2022-08-05
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. (NY)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX in amount of {$1200.00} XXXX has violated my rights and needs to be deleted from my credit report. Law 15 U.S.C. 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent.
Consumer complaint received 2020-05-15
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. (AR)

I decided to get my credit pulled due to a couple of collections I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$28000.00} XXXX XXXX XXXX {$41000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$7700.00} XXXX  XXXX {$4300.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$2500.00} XXXX   XXXX {$570.00} XXXX  XXXX XXXX {$470.00}
Consumer complaint received 2022-08-14
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. (OH)

In accordance with the Fair Credit Reporting act ( FCRA ) ; US POSTAL FC has violated my rights. OnXX/XX/2022 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX Synchrony bank violated my rights to privacy as a federally protected consumer. As a result of Synchrony bank not following the rules set-forth under the privacy act and title 15 usc 6802 which allows consumers the opportunity to opt out of sharing non public personal information with 3rd Party non affiliates such as XXXX, which synchrony bank was provided with my personal information from my consumer report without my written consent as mentioned in section 15 usc 6801-6802. I am hereby demanding that the adverse action taken against me by synchrony bank be reversed due to they fact I was not given proper notice in accordance with federal laws for my personal information being shared with consequently had my account closed. XXXX is also in violation by not following the rules of furnish accurate information and having me the consumer prior consent before furnish such information. I also am aware that I am able to seek civil liability damages due to these violations in accordance with federal laws under tile 15. Please provided proof that my prior consent was given before making a decision to close my account. I am also aware that synchrony bank is holding on to a security that was given to them which was value and consideration. I would also like the return of my original application with the wet ink signature ASAP or I will be filing a claim for securities fraud against synchrony bank in accordance with the security exchange act of 1934.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NY)

I was in the process with a realtor at looking to purchase a home and a realtor on her end seen my score was being held back by a balance {$160.00} XX/XX/2024. That card was open so time during the pandemic I was sure whether it was myself or if a family or friend used my information. But I will own it and pay it, so I did. Prior to this I had no knowledge at all that they was hitting my credit with a delinquent code each month with without knowledge or consent. I asked the same day after the payment for a letter and derogatory marks to be removed from my credit report in good faith. They only closed the account and never received a letter and kept it to my credit report. I even asked if it could have been emailed and got nothing. 

Company : XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NC)

As a federally protected consumer under the Fair Credit Reporting Act, I am reporting numerous violations of the law by Barclays Bank Delaware and all three major credit bureaus ( XXXX, XXXX, and XXXX ). Not only has my nonpublic information been unlawfully reported by Barclays to each bureau against my written instruction, but the information reported includes numerous inaccuracies that require correction. The Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ) both require that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Furthermore, according to 15 USC 1681b, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given any instruction to the bureaus to report my nonpublic information. On the contrary, I have exercised my continuing right to opt out of any sharing of my nonpublic information per 16 CFR 313.7 that states a consumer may exercise the right to opt out at any time by mailing an opt out notice to the creditor ( see attached letter sent to Barclays on XX/XX/XXXXXXXX XXXX XXXXXXXX ). Barclays did not honor my notice when they reported past due payments and an account closure for my XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( A ) ( i ) consumer reports can not lawfully contain information regarding the transactions between the consumer and the person making the report. 15 USC 1681c prohibits the reporting of any adverse items of information ; as such, derogatory reports like late payments, delinquencies, and account closures are in direct violation of the law. Furthermore, all three bureaus list my account as 120 days past due when, according to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both 15 USC 1681 ( a ) and 15 USC 1681e require consumer reporting agencies to ensure the accuracy of the information they report, and there are numerous discrepancies and inaccuracies between the three bureaus reporting on this account. XXXX reports an account balance of {$16000.00} in XX/XX/XXXX while XXXX reports {$12000.00}. XXXX also reports scheduled payments of {$170.00} for XX/XX/XXXX and {$470.00} for XX/XX/XXXX while XXXX reports {$140.00} and {$340.00}, respectively. XXXX and XXXX show the date of first delinquency as XX/XX/XXXX while XXXX shows XX/XX/XXXX. XXXX reports a past due amount of {$0.00} for XX/XX/XXXX, while XXXX reports {$1700.00}. XXXX shows the account was closed in XX/XX/XXXX, while XXXX and XXXX both report it closing in XX/XX/XXXX. None of the bureaus report this card as XXXX XXXX, and it has been charged off since XX/XX/XXXX.
Consumer complaint received 2024-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo closed our checking account without any notice, claimed a letter was sent to old address. Student loans, also through Wells Fargo, were not autowithdrawn and reported as late on our credit report. We contacted Wells Fargo to resolve issue and pay student loans and Wells Fargo was unable to help in any way. We now have no way to make student loan payments.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (IL)

In my notice of dispute dated XX/XX/2024 ( See attached supporting document # XXXX ), sent via USPS certified mail with electronic return receipt, I notified FactorTrust of my dispute of inaccurate information in my FactorTrust Consumer Disclosure Report.

Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for FactorTrust to reinvestigate and respond to my notice of dispute was XX/XX/2024. FactorTrust failed to reinvestigate and respond to my notice of dispute. 

In my SECOND notice of dispute dated XX/XX/2024 ( See attached supporting document # XXXX ), I notified FactorTrust of my continued dispute of inaccurate information in my FactorTrust Consumer Disclosure Report. 

Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the 30-day statutory deadline for FactorTrust to reinvestigate and respond to my second notice of dispute was XX/XX/2024. FactorTrust failed to reinvestigate and respond to my SECOND notice of dispute. 
Despite my continued efforts to resolve this matter amicably, the inaccurate information remains in my FactorTrust Consumer Disclosure Report.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (IL)

I initiated a domestic wire transfer for {$13000.00} on XXXX, XX/XX/XXXX through Wells Fargo Bank, where I have been an account holder for approx 30 years. Wells Fargo called me at XXXX CST to verify the wire transfer. I hung up after providing her the necessary information to verify the wire transaction. 

However, the representative in a completely unnecessary and RETALIATORY MEASURE proceeded to RESRICT ACCESS to my account as I received ( XXXX ) emails that she had changed the following : XXXX ) Your delivery preferences have changed XXXX ) Your XXXX  ( XXXX  ) or XXXX ( XXXX  ) service has been cancelled as of XXXX XXXX ) We have restricted access to your online banking service to help limit unauthorized activity to your account. 

This was AFTER she had already authenticated my bank account, so there was NO reason to do what she did to my bank account! 

In addition, the wire transfer was a VALID transaction initiated by me! This was completely unnecessary and I want her at least reprimanded and/or re-trained on her customer service skills. I spent another 30+ minutes not only re-stablishing access to my own account, but to RE-VERIFY the wire transfer yet again. 

I am tired of these banks who fleece us, taking advantage of customers by forcing them to send wires w/ additional fees because their ACH transfer limits are miniscule. Wells Fargo already has XXXX  of dollars in fines for their scams and I'm surprised they are still operating at the rate of fraud they commit. It is only a matter of time before they go belly up which is why I am in the process of taking my business ELSEWHERE. 

I also hung up on them after verification because when I myself was scammed, ( i.e. on XX/XX/XXXX in the amount of {$400.00} ) the bank made ZERO effort to return those funds to my account, so I found it ironic that they now pretend to be concerned about my wire transfer after I had validated it twice while making this wire transfer transaction ONLINE. 

This was not standard protocol, nor was it necessary and I would like for this customer service rep to be reprimanded. The Compliant Reference the " manager '' provided for this is Complaint ID XXXX.
Consumer complaint received 2020-05-15
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. (AR)

Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these items from my report.