davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXXXXXX XXXX XXXX  is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I signed up for a XXXX account which was supposed to provide me with what I thought was a {$30000.00} line of credit. I never received the funds and were mistaken so I requested that the account be closed back to inception, I am also unable to get a refund for the payments made. However, this company as XXXX XXXX is reporting different payment information across the XXXX major credit bureaus and I have done several disputes asking them to remove the negative payment history from my credit report. They are reporting XXXX late payments to XXXX, XXXX late payments on transunion and  1late payments on XXXX. I am asking that this account be removed from my credit report as they are in direct violation of the FRCA as Your creditor must not supply information to a credit reporting agency that it knows ( or should know ) is inaccurate. I am asking that this account please be removed from my credit report. The same source should not be reporting different information across the credit bureaus.
Consumer complaint received 2024-09-05
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. (NJ)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo Home Mortgage failed to deduct my automatic mortgage payments from my bank account in XXXX 2016 as scheduled due to no fault of mine. This resulted in a late payment being reflected for XXXX in my credit reports. I have spoken to WF numerous times since XXXX XXXX, 2016 trying to ensure that they correct this information with the credit reporting agencies. WF sent me a letter dated XXXX XXXX, 2016 stating that they had updated this information with the credit agencies. I will upload this letter for your review. I continued to monitor my credit report information and did not see that corrections had been made. When I called WF on XXXX XXXX, 2016, I spoke with XXXX XXXX, Executive Resolution Specialist, and he said that the XXXX payment was shown as late and it was reported in XXXX. He said the negative reporting was done XXXX XXXX, and the negative reporting was also surpressed on XXXX XXXX. He sent me a letter dated XXXX XXXX, 2016 documenting that they had submitted corrections to the XXXX credit reporting agencies in order to remove the late payment reflected on my credit reports. I have never been late on my mortgage payments, and have spent hours on the phone with the WF and the credit reporting agencies. When I spoke to XXXX on XXXX XXXX, 2016, they informed me that the correction has not been received or posted yet and I submitted another online dispute with them ( letter attached ). XXXX has also not received or posted the updated information to correct my credit report, and I submitted a dispute with them also ( letter attached ). Per my call to XXXX on XXXX XXXX, they indicated that they have corrected my credit report, but I am also concerned that this may change since the credit reporting agencies share information. I am asking for your assistance to intercede on my behalf to resolve this issue. I would also appreciate receiving updated credit reports from the credit agencies, since I pulled my once a year free credit report in XXXX for all XXXX credit agencies. In XXXX my credit score was XXXX. In XXXX, it fell to XXXX. In XXXX it was XXXX. Gratefully, I am not trying to buy a house or a car at the moment, but I am very concerned about ensuring that my credit reports continue to reflect accurate information. This is vital not only to my financial profile, but also to me in my employment for the government because my job requires credit background checks for our security credentialing process. Please contact me if you have questions or require further information. I appreciate your assistance in resolving this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

Bank account frozen due to banking error. Will not give me any money from either of my accounts. Tried to resolve at branch and was told sorry we cant help you and well give you your money when we feel like it. All over an address change. It is a lot of money
Consumer complaint received 2024-09-03
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: NEW YORK COMMUNITY BANCORP INC (MA)

Flagstar bank reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
Flagstar and their subsidiary company XXXX XXXX have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Loan # XXXX I have been consistently making payments for these two loans under the XXXX website first and then under Flagstar up until XX/XX/2024. Flagstar for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only Flagstar to pay the loans. Then, without me receiving any notice Flagstar only sold 1 loan # XXXX, to XXXX XXXXXXXX XXXX apparently in XXXX. When I logged in to Flagstar the system advised me they have sold the loans to XXXX XXXX XXXX and they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXXXXXX XXXX only showed the loan they had purchased, but not the other loan which I did not know it had stayed with Flagstar. When I realized the confusion, caused by their failure to send me notification and the 3 websites servicing the loans, I logged back on Flagstar to make the XXXX payment. This payment was not I effect until a few days past the 30 days due to the confusion. I requested Flagstar to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure Flagstar Bank makes amendments to their policy regarding transferring service notices and the two websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is now my XXXX time mailing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted XXXX multiple times informing you of this, and you too have failed to verify these inquiries
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Office of Edwin B. Parry (UT)

I received a summons from XXXX XXXX XXXX the attorney for XXXX XXXX XXXX in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of Edwin B Parry today, XXXX/XXXX/17, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have written seven letters to Experian, XXXX, and XXXX requesting the removal of fraudulent and outdated information on my credit report, including incorrect addresses, employment details, and phone numbers. Despite my efforts, these bureaus have failed to take action on my requests. This negligence has caused significant harm to my creditworthiness and financial well-being. I am deeply disappointed by the lack of response and corrective action from these credit reporting agencies. 

I demand that Experian, XXXX, and XXXX promptly investigate and remove all inaccurate and outdated information from my credit report. Failure to do so will result in further legal action to protect my rights as a consumer. It is imperative that these bureaus adhere to the guidelines set forth in the Fair Credit Reporting Act to ensure the accuracy and fairness of credit reporting. 

I urge Experian, XXXX, and XXXX to rectify this situation immediately and provide me with a written confirmation of the removal of the erroneous information from my credit report. My financial reputation and future credit opportunities are at stake, and I will not tolerate the disregard for consumer rights exhibited by these credit reporting agencies
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Palm Beach Credit Adjustors, Inc (FL)

I talk to XXXX man and transfer me me another guy .the other they transfer me to was rude and yelling at me treating me that there taking legal action. I stated how do I know this could be a scam and I look up the phone number and people stated something things about them. He started getting loud and saying then just wait and see what happens and that this was my fault you should pay your bills.then he called my sister and then my father twice and harassing them on the phone. He never stated where he was from and what company. It 's stressing me out and I am having sleepless nights BC they keep calling. 
They asking for my personal from family also.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2016-11-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a personal loan at Wells Fargo. I have had an account with them for several years now and I 've never taken out any type of loan with them in the past. I got denied because I have bad credit which is understandable. My banker then recommended me getting a co-signer to reapply. I went and got my sister to help me out noting she has excellent credit. When we went back and reapplied, the banker notified us we had been denied again, acknowledging the good credit my sister has but the reason we got denied was because my sister " was not associated with the bank '' meaning she does n't have an account there. Even the banker herself thought that was a " ridiculous '' reason. I think that is unfair and misleading. Why they even told me to get a co-signer in the first place if I was going to get denied regardless. I felt betrayed by the bank I 've been loyal to for years. I do not want to change banks but I 'm losing faith in this bank. Hopefully this issue can be resolved.
Consumer complaint received 2016-05-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NJ)

Today XXXX XXXX, 2016, I tried to make my primary home monthly mortgage payment to Wells Fargo Home Mortgage and they would not accept it. I presently an behind by 3 mortgage payments. By them not accepting today 's mortgage payment I will be 4 months payment behind.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

On XX/XX/24 I sent XXXX, Equifax, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.