davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

As I have so many times before has disputed this account with World Finance. World finance is lying and continuously reporting accurate information to all 3 credit bureaus. I have disputed with all 3 credit bureaus as well.
My last complaint world finance 3rd paragraph ( 3rd loan # XXXX ) was opened on XX/XX/XXXX. WF say my 1st payment was due XX/XX/XXXX and NO PAYMENT WAS MADE!! I On my credit reports world finance its showing I did pay XX/XX/XXXX & XX/XX/XXXX ( I have uploaded the credit reports ) and paid on time. THIS IS PROOF that WF IS LYING AND STEADY REPORTING INACCURATE and UNVERIFIABLE INFORMATION. 
I have sent certified letter, visit and called in person the branch in XXXX which I open the account and asked the manager to please let me have a copy of my pay history and contract, the branch did n't have it and said they going to have home office to mail it to me, that been over 3 months ago. I also call the corporate office and left several messages. I spoke to XXXX XXXX today ( XX/XX/XXXX ) at XXXX she said she do n't have any records I have to get them from branch office. I asked XXXX XXXX if they do n't have records at corporate office how are they replying to CFPB and the credit bureaus. She said by the computer. XXXX XXXX called the branch office and spoke with XXXX. XXXX XXXX told me to go to branch office tomorrow and she have my documents. XXXX XXXX said the only reason they would n't have it if the account was sold and I told her the account was not sold it reporting to credit bureaus. I told her the account that was sold to XXXX XXXX was deleted from my credit report because XXXX XXXX could n't verify or send me any supporting documents just as World Finance can not but steady reporting negatively to credit bureau. 
As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. If this account is not removed from all three credit reports IMMEDIATELY I WILL SUE under the FCRA!!!!!
Consumer complaint received 2017-10-02
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. (IL)

My state tax lien is being reported on my XXXX & transunion credit reports. The reporting does not abide by the XXXX lien reporting rules, there is an incomplete social security number and no date of birth.
Consumer complaint received 2017-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

I have been having ongoing problems with New Penn Financial based out of XXXX, Pa. They have consistently not applied my additional principal payments to my principal mortgage. Now, because I have previously complained about this, on my last statement, they said I have a NSF fee of XXXX. I had over 7000.00 in my account on XXXX XXXX, 2017 when they withdrew my monthly payment of XXXX. I feel they are being vindictive towards me because of my previous complaints with CFPB, the BBB and Wisc. state bank examiner. I have left messages with their billing dept., their compliance officer, XXXX XXXX, my original loan officer, XXXX XXXX, and their Hqs. in XXXX. None of the aforementioned people have had the courtesy of returning my calls.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WA)

I had a Citi credit card in XX/XX/XXXX. Citi charged me an annual fee in XX/XX/XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XX/XX/XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XX/XX/XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.
Consumer complaint received 2017-10-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

When I went to purchase a used car at XXXX XXXX in XXXX, New York, without consent they ran XXXX hard inquiries on my credit, effectively lowering by XXXX points. The banks that show hard inquiries on my report are XXXX, XXXX XXXX, XXXX XXXX and XXXX others. This happened in XXXX XXXX. I contacted the banks and they refused to remove the inquiries.
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (NJ)

I have been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX. I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX- there is no reason for the agencies not to remove this ASAP. To date, only XXXX has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both XXXX  and Equifax for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

Equifax also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against XXXX but even more of one against Equifax. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for XXXX in that regard and Equifax has XXXX inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing
Consumer complaint received 2024-11-05
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. (FL)

iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and 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 USC 1681. 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which have dates the reports 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 in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. these are the accounts : 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 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 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I had a couple of inquiries on the same day in XXXX. They were for XXXX XXXX, XXXX. The company for XXXX is call XXXXXXXX XXXX XXXXXXXX. I have never spoken to anyone at XXXX 's that would require a credit check. I have never shopped at XXXX XXXX period. 

The other is for XXXX. It says XXXX XXXX but cuts off. Not sure if it 's XXXX XXXX? Either way, I did not agree to anything requiring a credit check here either.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2017-10-03
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: WELLS FARGO & COMPANY (AZ)

After numerous disputes between XX/XX/XXXX and XX/XX/XXXXof an alleged missed auto loan payments dating from XX/XX/XXXX with Wells Fargo Dealer Services ( WFDS ), and recorded with XXXX, XXXX, and XXXX ( CRA 's ), I sent a series of letters to WFDS fromXX/XX/XXXX to XX/XX/XXXX demanding under 15 USC 1692e and FDCPA 807 ( 8 ) ( 9 ) ( 10 ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. WFDS and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against WFDS in XX/XX/XXXX to force it to  delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. WFDS subsequently lost this case on XX/XX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for WFDS in XXXX, NC, its Credit Bureau Dispute Resolution Unit, as well as each CRA onXX/XX/XXXX. XXXX has subsequently deleted the record. However, XXXX and XXXX have not. I received a response from the WFDS Credit Bureau Dispute Resolution Unit dated XX/XX/XXXX that stated, " The record was verified. ''  Both XXXX and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. WFDS has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!
Consumer complaint received 2024-11-05
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. (TX)

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXXXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: First National Collection Bureau, Inc. (NJ)

I received a letter today XXXX/XXXX/XXXX stating that a judgement was entered against me for an outstanding debt of {$1200.00}. I called the XXXX XXXX XXXX. I spoke to a XXXX, that asked if I would like to make a payment. I said no! I asked about the validity of this debt and about its age, since I have no recall of it. She could not answer me and said someone would call me back. I have checked all my credit bureau 's, I DO NOT have any open collections or judgement against me. I now have a XXXX off wife that thinks this is going to affect our credit rating! I want a letter stating that this is not my debt and an apology from this so called collection agency
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment {$54.00} missed XXXX payment XXXX Closed account - would not remove late fee XXXX Went into XXXX XXXX store in XXXX XXXX and paid balance of {$58.00} XXXX received another bill for missed payment in XXXX due date of XXXX - would n't remove fee even though account closed and Paid in full - said they could not remove it after the account was closed Received new bill with ANOTHER late fee XXXX - XXXX with a minimum charge of {$2.00} = {$29.00} so my bill is now {$63.00} in late fees Called XXXX - was transfered to a manager - was on hold for 25 minutes ( seriously on -purpose ) - would not remove any late fees - said it was in terms and conditions and could n't help now that account is closed. So now the last 2 bills are just late fees on late fees! I was a XXXX member of XXXX XXXX. The lack of customer service from XXXX and it 's employees to help me has been ridiculous. I took care of the payment that was due - spoke to a XXXX customer service person on that day in front of the store manager. Could not believe I received a bill for a LATE FEE on a closed account that I had settled two days late. Now another bill with another late fee - no product - just late fee on late fee. Unbelievable that a bank can do this and not even try to waive/correct the situation.
Consumer complaint received 2017-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I received this email [ redacted for confidentiality ] : '' Dear XXXX x XXXX, Thank you for submitting your payment on XXXX/XXXX/XXXX. 

This email serves as confirmation of your payment. Please save for your records. 

Payment Confirmation # : [ xyxyxyxyxyx XXXX XXXX : {$1500.00} XXXX for : XXXX/XXXX/XXXX To view your payment status, log in to your account at Navient.com. 

We appreciate the opportunity to help you navigate the path to financial success. 

Sincerely, Navient Customer Service '' No payment was drawn from my bank account and the website offers no record of the payment being processed. I do not know why I received a confirmation email with no follow up when the company did not succesfully draw a payment. Navient should not confirm payments unless it actually completes the transaction.
Consumer complaint received 2024-11-08
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. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately on all three of the credit bureau. My credit report states a late payment in XX/XX/year> on my XXXX account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint. I'm now requesting you investigate this account and update these payments to paid on time immediately. I need this inaccuracy removed immediately because I am currently apartment searching and planning to move, and it is impacting me and my credit score negatively. Thank you for your understanding and prompt action.
Consumer complaint received 2024-11-05
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. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-04
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. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX first I arrived in XXXX XXXX. 
I got taxi to take me 1/2 mail away. 
XXXX quoted me {$5.00} for ride. 
Upon getting off the taxi I hand him {$5.00} cash he explain he will not get cash and I can use credit card. 
I hand him my Credit card he run it on the card reader and hand me the card back. He took off quickly, without give me any Paper print, neither ask my signature ( on the card readers screen ( and he drop me in wrong location ) I get suspicious call Bank Of of America in US. Ask about the most recent charged they informed me I have been charged {$5400.00}. I told operator some one just scammed me 5 minutes ago, The operator told me I should dispute the charge when I get my bank statement. I am dispatching the charge with BOA twice and they dined my request base on I dont have {$5.00} proof of purchase from taxi drivers!!!?? 
I spend hours with 6 different operators in BOA, the dispute department supervisor with no result. What I can now?