davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-15
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. (VA)

I got a {$500.00} loan from XXXX XXXX in XX/XX/XXXX. I agreed to pay weekly on Fridays. Mid XXXX I had fraud issue with my bank account so my account was delinquent until i fixed it towards the end of XX/XX/XXXX. During these couple weeks XXXX would not let me pay my weekly payment with another form of payment. So I had to put a stop payment so i would not keep getting fees from my bank. Once I had my account back in order I tried to resume may payments. For 2 weeks in a row my attempts to pay got rejected. It was very difficult to get in contact with a person to figure out what was going on. Once I finally did my payments resumed ( XX/XX/XXXX ) except they told me my loan payments would be restarted since I had missed a few payments, which I think is unfair because I did contact them to try to pay. For 4 weeks from the end of XX/XX/XXXX to mid XX/XX/XXXX I missed payments ( XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Since XX/XX/XXXX I have been making my payments weekly as they are drafted out of my checking account as a check every Thursday now for {$9.00}. My credit report currently says that I am 120-149 days past due. I have called XXXX about this they told me I would just have to dispute it. I have disputed it several times of different platforms and my account continues to not be updated. This is really hurting my credit score.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I notified XXXX, XXXX, and TransUnion about the Federal Violation of 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

I NEVER GAVE XXXX, XXXX, AND TRANSUNION ANY WRITTEN CONSENT TO REPORT ACCOUNT # XXXX XXXX XXXX XXXX 
NO CONSENT IS IDENTITY THEFT, WHICH IS A FEDERAL CRIME.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (UT)

I found Midwest Recovery Systems on all three of my credit reports and I've never even heard of the account. It says it's for a pay day loan and I've never opened one before. My identity was stolen a few years ago and I have an fraud alert but somehow these people still harass me, them showing up on my credit report is the final straw. I get phone calls all the time threatening to arrest me. I believe Midwest Recovery Systems is behind every problem I've had and they're responsible fully for my identity theft. It's the same company, they just change their me every year because they start to get so many complaints.
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (OH)

Specifically, on X/XX/2017, not only did this company harass myself, and my family, but also lied about previously calling, did not verify who they were talking to before divulging information about a debt, threatened to keep harassing my family, and tried to use scare-tactics insinuating they were taking legal action. Being familiar with FDCPA, I called them out on it, at which time, they got belligerent and hung up on me, twice. Once without providing me the information for their company. They also got belligerent with my sister, as well, and personally attacked her while speaking with me, saying she " Was not a nice person ''. The second person I spoke with, XXXX, accused me of falsely identifying myself when I mentioned they had not verified before divulging the existence of a debt. Also, the second guy, XXXX, referred to the company as " XXXX XXXX '', which I do not find - I can only find XXXX XXXX XXXX and XXXX. I do not know which one called. Also, no messages left followed the proper protocol for messages left by debt collectors.
Consumer complaint received 2017-09-13
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. (MN)

Equifax did not properly secure my protected personal information from intrusion through any appropriate method, such as patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver 's license number are cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data ( including immunization records ),  legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which is n't available as a default. It requires 2/3 one 's SSN plus last name and a waiver of class-action recourse in order to DETERMINE is one is affected by the breach. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2019-05-17
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND SOME INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

In my state, All 3 credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for Equifax to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all 3 companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with Equifax and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.
Consumer complaint received 2019-05-15
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. (CA)

Transunion is reporting incorrectly that I am 60 days past due on the WFDS/WDS partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-15
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: Experian Information Solutions Inc. (MN)

Experian has not removed this debt ( XXXX XXXX ) from my credit file it was disputed in XX/XX/XXXX and all they did was update the file when I simply asked that it be Deleted from my credit file. It has been on my credit report since XX/XX/2012 and it is time barred and simply needs to be deleted ... Thank u
Consumer complaint received 2017-09-13
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. (MD)

It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers.
This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NH)

I have contacted Wells Fargo several times about this issue. Several years ago I agreed to split the mortgage in two, one half to be paid on the first of each month, the second half on the 15th, deducted from my bank account electronically. When my financial situation changed, I arranged to pay once a month, at the end of the month, electronically by myself. When this was arranged, I had already paid off the month and they agreed to start this with the coming month. 
Since then they have added a late fee of 50+ dollars every month, which now adds up to over {$1000.00}. I have never missed a payment, and dealing with them is like pulling teeth. I was even told by them that, because of my late fees, I can not refinance or look for a more decent mortgage company. 
I do not owe this late fee, and I will do anything to get this off my bill. This is one of the worst financial companies I have ever dealt with. The original mortgage company sold me off to these people and I had no choice. Why do we consumers do not get to choose who is sucking the blood out of us? My monthly mortgage keeps going up for all kinds of reasons given, it is now 100 dollars more than when it started, not only because of taxes ( my property taxes are included in the mortgage ) but somehow something needs to get paid and I have no clue what it is. 
Before I get a lawyer to handle this I want you to know about what Wells Fargo does. Considering their track record makes me even more mad that I had no choice in services when my loan was pawned off. We had an agreement that I can pay at the end of the month because of my financial situation and my paychecks, and they do not uphold their end.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2015-08-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: U.S. BANCORP (LA)

We have a lawsuit pending with US Bank. We get calls from some business who claims to be US Bank. I looked up the telephone number and it seems to be a debt collector or telemarketer. ( XXXX ) We gave them the lawyer 's information and read them the lawsuit along with saying the FDCP says that the must deal with him. They claim that the law does n't apply to them! If US Bank hired them to harass us have they not violated the court order or the collector breaking the law? I also received a letter, on US Bank stationary demanding that we need t pay them from the collector.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OK)

Issue : Wells Fargo will not assert independence to the appraiser used for a mortgage application. The Company refuses to acknowledge compliance with Appraiser Independence Requirements ( " AIR '' ) causing the original home appraisal to be invalid and unusable. 

Background : I paid for an appraisal in full through Wells Fargo- the appraisal was ordered through Fradkin and Associates ( XXXX : XXXX ) on XX/XX/2022 around XXXX and performed on the same day. The appraisal report was provided by XXXX on XX/XX/2022. 

We have requested an appraisal transfer to our new lender, XXXX XXXX XXXX ( as shown in below email ) on Monday, XX/XX/2022 and not received the full documents necessary by Wednesday, XX/XX/2022 ( date of this complaint ). 

As part of this transfer, the Company ( Wells Fargo ) must assert that they complied with Appraiser Independence Requirements ( " AIR '' ), however, they have repeatedly refused to assert their independence. The reasoning provided by the company is that it is against their policy to provide XXXX certifications and provided the following message : " We cant provide an XXXX or XXXX XXXX Requirements per our legal department. The reason for this is an XXXX XXXX is basically a statement that everything is correct per the other lender standards. This is not always true due to other lenders having different policies, which then holds Wells Fargo accountable for anything that needs to be done or changed to their standards. '' However, this assertion that Wells Fargo would be held liable for any prohibited practices concerning the appraisal is wholly incorrect and represents a clear misinterpretation of the regulations regarding appraisal transfers & XXXX XXXX 's. 

It's explicitly stated within both GSE 's selling guides and on the signed transfer letter itself that : " Wells Fargo expressly disclaims any representation, warrant, or certification regarding the accuracy of appraisal information or conclusions of the appraiser, compliance with XXXX or any other applicable appraisal standards, Appraisal Independence Requirements, investor requirements, government regulations, or any other applicable standard, law, or regulation. The Lender is solely and exclusively responsible for evaluation of all information within the appraisal and assumes all responsibility for any use of the appraisal. '' The verbiage above unquestionably indemnifies Wells Fargo from any adverse events regarding the appraisal, XXXX certification included. As a result, their unwillingness to provide this independence assertion has caused delays in the mortgage closing process, requiring contingency extensions, and has caused for us to pay for an additional appraisal that should be otherwise unnecessary.
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (CO)

I have repeatedly contacted Equifax to " remove '' a dispute comment from my credit bureau, because I am trying to refinance my house and the mortgage lender will not move forward with my loan until the dispute status is removed. Every time I've called Equifax, the representative on the phone can hardly understand what I'm saying to them. The result turns into them adding another dispute to my credit bureau. I just checked my credit report this morning and found out that not only has the original dispute not been removed, but now EVERYTHING on my credit report is being disputed! I am so blown away at this and it is preventing me from refinancing my home! I don't know what else to do. I certainly don't want to contact Equifax directly and make this situation even worse ( because that's what has happened already ). I'm simply trying to remove any disputes from my credit report, and they ended up adding  a dispute to everything ... including my current accounts. This is bad enough, but then I noticed that it also lowered my credit score by 34 points! If I don't get this removed soon, I will have to do more investigating and maybe try to hire a lawyer to help me ( which I really don't have the extra $ for ). Please help me correct this? I am REALLY needing to refinance my home soon to consolidate debt and get myself and my family  into a better financial situation. 

XXXX
Consumer complaint received 2022-10-26
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2017-09-13
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. (MD)

Equifax was the victim of a large scale data breach that resulted in my and others identity and other information being stolen. This is due in part to gross negligence on their part in the realms of consumer protection and information security. Because of this negligence millions of people have been compromised and will likely suffer a great deal of hardship, all of which was entirely avoidable if proper attention was placed on safe guarding consumers and their data.
Consumer complaint received 2015-12-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

XXXX collection showed up on all XXXX of my credit reports from Portfolio Recovery Associates on XXXX/XXXX/2015 in the amount of {$490.00}. It says that the original debt is from XXXX. I have never had any type of account with XXXX nor do I have any charged off accounts on my credit report from them or XXXX who they said later on was the original creditor. I tried disputing the debt with them directly asking for validity which they never did send me. I never got a duinnig letter saying I had the right to dispute the debt nor have I recieved any info on the validity of this debt and proof that it is mine, When I didnt get a response from them i disputed this with all XXXX CRAs and they said that PRA validated the debt. I filed a XXXX complaint stating my issues and they gave a generic answer to them saying that I needed to send a copy of my credit report to the agency for review. 
Now I am filing a complaint with the CFPB asking for help. Not only did I not recieve any type of dunning letter telling me of my right to dispute, I have asked for them to validate this debt with proof that it is mine and they have refused to do it for the last 5 months. They are also reporting the collection as a factoring account with monthly payment history on my report and not in the collection section as required by the FCRA. There have been multiple violations of the fcra by portfolio. I am just wanting the account removed from my report as it is not a valid account and they will not send me any documentation proving otherwise