davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (KS)

A popup came up on the computer stating : Warning!! Your computer has been hacked, they can hear all of your conversations on your cell phone, your account has been hacked into for {$18000.00} you are being charged with XXXX  XXXX XXXX, contact this number to resolve the incident. 
I called the number on the screen but didn't make record of it. The representative, XXXX XXXX, with XXXX Fraud Badge ID # XXXX XXXX ran a scan on my computer and said I was involved in a scheme and needed to talk to a fraud representative from XXXX XXXX  and transferred me to her. Her name is XXXX and her number is XXXX. She told me she's going to initiate a method to clear my name find and arrest the culprit that instigated the hacking of the computer and the account. That I needed to wire {$18000.00} for them to track and find the hackers. I was told to keep this secret in order to clear my name and not to tell anyone, especially at the bank. 
I went to my local XXXX XXXX  branch and wired the {$18000.00} to the account they gave me described in the original complaint. They claimed they would use the funds to track the criminals and then deposit the funds back into my account when completed, supposed to be Tuesday evening the XXXX. 
XXXX called again today trying to get more time, which leads us to believe they don't have the funds yet. We contacted XXXX XXXX  Fraud department and the Wells Fargo Branch the wire went to this morning. I went to the XXXX Police department and filed a police report. Case XXXX XXXX  XXXX I contacted XXXX XXXX at the Wells Fargo Branch in XXXX, CA. XXXX XXXX XXXX, the fake Fraud XXXX XXXX  XXXX also gave us another bank account to use : XXXX XXXX  Acct # XXXX Routing # XXXX But no funds were wired to that account. The account holder is also XXXX XXXX XXXX XXXX XXXX. 

Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/2022 Was the money sent? 
Yes Victim Bank Name : XXXX XXXX  Victim Bank Address : XXXX XXXX XXXX XXXX XXXX Bank Address ( continued ) : Victim Bank XXXX Stop : Victim Bank City : XXXX Victim Bank XXXX XXXX United States of America XXXX Bank XXXX XXXX Kansas Victim Bank XXXX XXXX : XXXX Victim Name on Account : XXXX XXXX XXXX XXXX XXXX Bank Name : Wells Fargo Recipient Bank XXXX XXXX XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America Recipient Bank XXXX XXXX California Recipient Bank XXXX XXXX : XXXX Recipient Name on Account : XXXX XXXX XXXX, XXXX. 
Recipient Bank XXXX XXXX : XXXX Recipient Account Number : XXXX
Consumer complaint received 2022-07-29
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX  XXXX and spent time in the hospital and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from XXXX accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. XXXX sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXX 's. Since XXXX XXXX has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX XXXX Referencing the above CFPB case numbers, this is proof that XXXX XXXX XXXX is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with XXXX XXXX XXXX and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from Transworld on behalf of XXXX XXXX XXXX.
Consumer complaint received 2022-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation (IL)

I reach out to my Mortgage Company, Royal Pacific, to discuss my options to remain in my home in XX/XX/2022 after they refused to accept my mortgage payment. I was confused as to why my attempt at payment were being rejected. They advised I should complete a loss mitigation application to discuss my options. This package was completed in XX/XX/2022 and uploaded to their loss mitigation portal. I called to follow-up on my application and was informed it was being reviewed or handled by a staff member. .During this time, I have received very little assistance or correspondence from this company ; until I received a final notice of foreclosure action. This is extremely disappointing that instead of accepting my payment attempts and then ignoring my submitted loss application the decision was made to rush through the foreclosure action with no assistance. I know RESPA requires servicers to review loss mitigation applications within a particular time period and assist borrowers with their options. I also have fair lending, moreso fair servicing concerns. It is very problematic if protected borrowers living in certain communities are not receiving the proper assistance and being provided the opportunity to remain in their homes or understand their options. This follows a long line of theft of wealth by mortgage companies who fail to assist minority borrowers with their loss mitigation applications and instead rush to foreclosure. It is shameful! These types of things should not be allowed to continue in XXXX I am asking that the foreclosure sale/ auction and the mortgage provider at least review my loss mitigation application and assist me in keeping the home I worked so hard to obtain. 

I only owe {$18000.00} on a home that is worth well above this amount and this mortgage company is not willing to assist to allow me to remain in this home. Foreclosing when a customer is doing everything to maintain their home should be considered theft!
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MA)

I reported American Express that there was a fraud charge in my American express blue card, The fraud charge is XX/XX/2016, But American express does not have XXXX tolerance to fraud, I mailed them the statement that showed the fraud charge ; and told them the fraud charge, I never had the service, it was a fraud charge, American express told me that they received the statement with the fraud charge, they continue to tell me that the resolution is next month and next month etc, this has continued for half year, and they continue sending me letters like info, close etc? I mailed info to their fraud dept, their fraud dept told me that they received all the info, they do not lack anything. This is a violation in banking that handles fraud!
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was called by a fake police scammer that threatened to warrant my arrest or I could pay a fine to go through a process to clear my name. I was tricked into sending about XXXX $ to a XXXX XXXX, and the next day they tried to urge me to send them even more money. That's when I hung up the phone and found out from the official police dispatcher that I was being scammed. I contacted my bank to let them know and I also had filed a report to the Police Department. They called me initially on XX/XX/XXXX at around XXXX and they called me again for this issue at XXXX on XX/XX/XXXX. I am affiliated with Bank of America and they said they were gon na open a fraud case for me and have XXXX investigate it.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am contacting XXXX XXXX XXXX Regarding an account that is alleged to be mine. I have disputed this account a few times regarding the repeated charge-offs that are being placed on my report each month and I always get a letter back stating that it has been verified and the information is correct. 
According to the FCRA, a charge-off should only be reported once, when the first delinquency happens. I did not receive an offer to Arbitrate, and I did not receive a 1099C which this charge-off is reporting each month. If this is not corrected or removed I will contact a lawyer behind damages to my credit worthiness. 
1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements.

4. Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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)

My credit score dropped by XXXX points, and TransUnion won't offer an explanation or anything that could have an impact on my credit report.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2020 I paid my XXXX ( red ) credit card bill online in full .The due date was XXXX, XXXXThe payment was effective XX/XX/XXXX XXXX. 
The following month I received a late fee stating the payment was posted on XX/XX/XXXX  I opened a dispute and showed them my recipt as proof, however it wasn't considered. 
I refused to pay the late fee knowing my bill was paid in full and on time, but the late fees piled up until they reached {$280.00} when it reported to my credit score. 
I will attach the documents. 
Please let me know if there are any questions. 

Best regards, XXXX XXXX.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I have no knlowledge of this original creditor. I have never lived in this city. I have had multiple fraudulent accounts appear on my credit report. I have had to call all 3 credit beaurus several times and place credit fraud alerts on my file as well contact the police. I now have to keep my credit files locked and a security freeze at all time. I just had fake names removed off my report. I asked for the addresss to these accounts as they are in XXXX Fl. I dont live there nor have I ever.
Consumer complaint received 2023-05-25
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. (MI)

You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 fumish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of sevoral laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-11-23
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. (NC)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-09-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (SC)

I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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. (FL)

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 U.S.C 1681 Account Name and # 's 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 Have violated my rights.

15 U.S.C. 1681 section 602 ( A ) States that I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section ( 2 ) It also states that 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 than records of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C. 1681s-c ( 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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please review the files that are attached.My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed the inaccurate account and they keep verifying that it is accurate when all actuality it is not. This account should be closed and should have a zero balance. This account was transferred to another servicer. The attached reports were all ran on XXXX. I want this account removed immediately per FCRA 15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The credit bureaus and XXXX are both reporting inaccurate information and i want the account removed from all consumer reporting agencies and files.
Consumer complaint received 2022-09-22
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, Equifax, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ask why my loan is still being reported as in default this is a third party what is long the company is XXXX XXXX XXXX and this is part of a plan for me to be forgiven for my loan and Im trying to find out why is none of this being reported to the XXXXXXXX XXXX XXXX XXXX did one who told me to get in touch with you all I did get in touch with a XXXX XXXX what is company the number is area code XXXX Ive been in touch with him to send me information for the money I have been sending to them which goes out at the end of the month of {$19.00} which is supposed to be going towards my student loan for forgiveness program but nothing is showing up I was hoping you all can help me get some type of information on this