davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-12-30
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. (FL)

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2021-01-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

I called and requested a 30 day payoff, I was told the steps I needed to take to get the information sent to me. I sent the fist letter on XX/XX/21, after not hearing from them, I reached out to them again and this time was told that I needed to sign the request and resend it. I did that and still no response. I have tried calling and getting no answerer, so I decided to fax then the same letter again to phone number that they provide on their statement XXXX, this number never picks up so the fax is no good either. My home is almost paid off, I just want to pay it off, any help that you can give me would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Hi my name is XXXX XXXX I filled a fraud dispute on with well Fargo my debit card was compromised and some made over 68 transactions on my account after I made a big deposit on XXXX I was never made aware of these transactions until I went into my account and seen over XXXX dollars missing. I filled a dispute with my bank right away as soon as I realized and today made the 10th day of my claim and they denied my fraud claim and dont want to give me any reason the guys answer to me was there are many things we look into before we deny a claim! They didnt look hard enough because how is it that someone can get that much control over my account and now the bank is saying that they cant do anything about it! I need to change my bank as soon as I get this resolved and get my money back!
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have sent a pay for deletion letter to the company on XX/XX/2020. Ive stated a request to fully pay the charge off amount in return to delete the account completely from my credit history. Until now, I have not received any letter or any response. I would like this resolved immediately as I am trying to build my credit score towards a home loan. Thank you.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have two claims on my account from charges that were made fraudelently without my knowledge. One claim was filed XXXX/XXXX/2020 ... second one filed XX/XX/2020 One claim was under investigation and I was given a provisional credit for and was told the funds were permanent and then come but then come to find out its being re-investigated and any funds issued to me from them was debited putting me at - {$1700.00} a couple months later, I had to file another claim because apparently the card that was attached to my previous FIRST claim and that was supposed to have been cancelled was in fact actually never canceled by the bank and charges were STILL being made without my authorization and couldnt understand how this was going on when they had sent me a new card and thought everything was fine .... 

The day after i file the second claim, I noticed my account had been deactivated and wasnt sure why but then 2-3 days later it was reactivated with having - {$1700.00} on my card cause they had debited my account stating that all the charges that I claimed were fraudulent were valid which is false and not to mention they had already stated those charges had been made permanent on my account and then switch to changing that statement? 

While I am dealing with this issue, I noticed I have not received any communication or notices regarding my second claim? when I call to ask, apparently one of the representatives said that it had been entered into the system but nothing has been done about when I was supposed to get THAT provisional credit in 10 business days and we are now approaching almost two months and STILL no update to either of these claim issues. 

I will do whatever I need to cooperate with the investigation and fill out any paperwork required but these charges were not made by me and I expect Bank of America to follow the laws by providing my provisional credit and give me my {$1700.00} back from the first claim they said was now over and provisional credit on my account had been MADE PERMANENT. It was their fault for not having turned the debit card tied to the first claim and if they had i wouldve never had to file ANOTHER claim because their lack of security.
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion, XXXX and XXXX are showing a XXXX XXXX and XXXX  XXXX bankruptcy on my credit report that they have stated that the data Furniture of the information is a XXXX Bankruptcy XXXX in the XXXX XXXX of Texas. I have reached out to the bankruptcy court and they have sent me a letter which I have attached test clearly states that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate any bankruptcies with any other outside companies. I have challenge this information repeatedly with all three credit bureau, and they have refuse to remove the information from my report. These companies are falsely reporting this information, and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in his cost me several opportunities of employment with very reputable. The display of this information is also cause me to be lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

INCORRECT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2020-11-19
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)

There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of EducationXXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late 90+ days late Dept of EducationXXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late
Consumer complaint received 2022-11-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I made a requested to have my information deleted under the ( CPA ) The company denied me my rights. 

Today again XX/XX/2022 I filled out another form to have that information to be removed. 


Please help me with this issue these companies have no compassion for the people living who is living in poverty.
Consumer complaint received 2022-10-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NC)

This is my 2nd complaint about our loan servicer. We received a XXXX XXXX XXXX  XX/XX/XXXX so I contacted cardinal, they transferred me to loss mitigation and the rep advised me to allow 30-45 days. A mere HOURS later I get an email stating our case is closed so we call and they tell us that we were denied due to government entity ineligible, but no one could tell us what that means. After several holds and conflicting information in our account notes, the rep comes back to tell us that our only options are short sale, deed in lieu or reinstating by making an over XXXX XXXXXXXX balloon payment. This is the second time in weeks that after I call, were denied. She also said because we didnt appeal after the XX/XX/XXXX letter that we were told to disregard because it was an error, that we can no longer appeal either. AND SHE READ THE NOTES INDICATING THAT TO XXXX! But now its our fault. We only restarted this process because after the 2nd trial payment of our mod that we NEVER received paperwork for, even after 20+ calls probably, we were told we had to reapply because our documents expired. Now they refused to help us. We were in Covid forbearance and have been doing everything in our power just to get that deferred to the end, like we were originally told would happen but they are now refusing to offer any assistance and state we dont have the income but we are still making our payments! Cardinal financialXXXX is failing us!
Consumer complaint received 2022-12-28
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: General Motors Financial Company, Inc. (CA)

Hello, my name is XXXX XXXX, This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states " Consumer credit contract is any instrument which evidences or embodies a debt arising from a " XXXX XXXX XXXX '' transaction or a " financed sale* as defined in paragraphs ( d ) and ( XXXX ) of this section. '' In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 


I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. 2017. 


Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institution 's policy. Your company 's policy does not supersede federal law. I am demanding that all late payments are UPDATED to " PAID AS AGREED '' and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 


I am keeping a careful record of all correspondence-or lack thereof made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am making another report towards XXXX, Transunion, and XXXX in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act.

The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 the information is inaccurate
Consumer complaint received 2020-11-19
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: Experian Information Solutions Inc. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2024-11-14
Product: Credit reporting 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. (TX)

I discovered unauthorized inquiries on my credit report this morning, and Im at a loss for why theyre there. I regularly check my report, and I was caught off guard by these unexpected discrepancies. I refreshed my browser to ensure it wasn't a mistake, but the inquiries persisted. I am really frustrated by this and am asking for a thorough review of my documents so I can finally have peace of mind.
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

Calvary filed a lawsuit against me without providing me with proof of a claim against me. They did not provide me with any information indicating that the alleged debt was valid. They reported on my credit report and now my credit score is suffering because of it.
Consumer complaint received 2020-11-05
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. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-03-24
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. (PA)

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 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.