davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Scammers had stolen the identities of several individuals one of which was my friend. I was prompted and encouraged to invest in cryptocurrency by my friend thinking it is actually hee. Little did I know I was being scammed and they somehow were bridging my money transfers to themselves and my money was never being invested in those websites or apps. They were directly stealing it and when I asked for a withdrawal they bribed me for more money. I have never fallen for such scams, but because they had stolen and hacked my friends identity, I thought my money was safe. Especially since the websites seemed legit. The following are the websites : XXXX XXXX XXXX XXXX XXXX XXXX I used changelly via XXXX to purchase the bitcoin but my money was being wired elsewhere and stolen. Since XXXX is an legitimate website, I did not think my money was disappearing. 

Later my friend was able to get the identity back and sent me a conversation the scammers were having with the fake accounts about scamming me. I took this case to Wells Fargo but they did not get my money back. There was several transactions made to the wallet number XXXX Then, the scammers tried stealing my identity and were constantly trying to log into my personal accounts, especially virtual wallets to get full access. Wells Fargo did absolutely nothing about this claim. A total of $ XXXXwas wired and stolen. 

I have attached a video of the scammers having a conversation. The video was screen recorded by my friend once she got her identity back. The conversation is between her and another account the scammers have hacked which belongs to a young mom. Notice the voice of the scammers are of men with heavy accents and those voices do not belong to either of the ladies. 

I have also attached two videos of the conversation I was having with my Friend whose identity had been stolen and I did not know. I attached another conversation with the scammers who had stolen the young moms identity ( again of which I was clueless ).
Consumer complaint received 2018-07-26
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, XXXX, Transunion ) XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX, ( XXXX, XXXX  ) ( XXXX, Transunion ) XXXX XXXX XXXX Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX Account # XXXX
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress  you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/98 Complaint Overview : I am submitting this complaint due to inaccurate and misleading information being reported on my credit report by Experian XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve this issue directly with the credit bureau, the inaccuracies remain, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating and correcting these errors. 
Account : XXXX XXXX XXXX # XXXX Key Issues : Late Payments Misreported as Income : Several late payments on my open accounts have been incorrectly reported as income on my credit report. According to 26 U.S.C. 61 ( a ), income refers to gains or profits such as wages, dividends, or other sources. Late payments are not taxable income, and therefore reporting them as such is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and credit bureaus are required to report information accurately. The classification of late payments as income violates federal law. 
Closed Accounts Incorrectly Reported as Charged-Off : Certain closed accounts are being inaccurately reported as charged-off, despite having been resolved. These accounts should be updated to reflect a status of paid as agreed.

Under 28 U.S.C. 3201 ( e ) and 31 C.F.R. 285.12, debts classified as Certificates of Indebtedness should not continue to be reported negatively once resolved. The current reporting is not in compliance with these statutes.

Specific Actions Requested : Immediate removal of late payments that are incorrectly classified as income from my credit report, while keeping the open accounts active and positive. 
Update of closed accounts currently reported as charged-off to reflect " paid as agreed '' with a positive status, as required by federal law. 
Attempts to Resolve the Issue : I have previously contacted Experian, XXXX, and XXXX to dispute these items and requested verification of the information as per the Fair Credit Reporting Act. However, the credit bureau has failed to correct these inaccuracies or provide adequate verification of the information in question. I am now seeking the CFPB 's assistance in holding the credit bureau accountable and ensuring that they follow federal guidelines. 
Relevant Laws Cited in My Dispute : 26 U.S.C. 61 ( a ) Income does not include late payments or delinquent debts.

15 U.S.C. 1681s-2 ( a ) Furnishers of credit information must ensure the accuracy of reported data.

28 U.S.C. 3201 ( e ) Guidelines for debts classified as Certificates of Indebtedness.

31 C.F.R. 285.12 Restrictions on how settled government debts should be reported.
Consumer complaint received 2023-11-22
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)

Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$460.00}.
Consumer complaint received 2024-10-22
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. (GA)

On XXXX XXXX a collection that had already been removed from my credit reports have appeared again with the same company. The Name of the collection agency is called XXXX XXXX With an account # XXXX I have never dealt with this company before and have no idea what it is for. However it appeared last year and was removed last year. Today it re appeared on all three of my credit reports from Experian, XXXX and XXXX. I am requesting this account be removed from my credit report as soon as possible. Thank you
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I do not recognize these requests, I asked to delete them but the bureau did not comply with my requests, I am attaching a report of identity theft and attaching it to the letter, because they are not accurate and do not belong to me 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 XXXXXX/XX/year>
Consumer complaint received 2024-10-21
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. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX 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 EXPERIAN XXXX 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 2024-10-22
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. (NJ)

I have unauthorized inquiries and accounts showing on my credit report. According to the Fair Credit Report Act ( FCRA ), I expect these inquiries and accounts to be removed within XXXX business days. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
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. (AR)

I hope this message finds you well. I am writing to express my ongoing frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite multiple attempts to rectify this situation. 

I have made numerous attempts to dispute and remove fraudulent entries from my credit report with 3 Credit Bureaus. Despite my persistent efforts, these fraudulent items persist, adversely impacting my creditworthiness and causing significant distress. 

I provided all necessary documentation, evidence, and information to support my claim of fraudulent activity. However, to my dismay, the corrections have not been implemented, and the fraudulent items continue to tarnish my credit history. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also erodes my confidence in the credit reporting system. 

I urge you to escalate this matter and conduct a comprehensive review of the fraudulent items on my credit report. I have consistently cooperated by providing all relevant information for a thorough investigation, and I believe a swift resolution is now imperative. 

It is my expectation that 3 Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the fraudulent items from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Skopos Financial, LLC (TX)

Reprise Financial sent me a solicitation letter-I provided all of my information including id, bank routing and account number and payoff for my vehicle. Over the course of several weeks, I heard different stories from different representatives ( they don't seem to know what is going on ) and finally started to get answers on XXXX was given information about the application process that I had not heard until a few days ago and advised the agent that if I had known the information needed I would have been glad to handle it. Instead, I received no call back and had to call and speak to supervisors who were not able to assist me after wasting several weeks of my time. They now have a majority of my personal information which they claim will be deleted and offered no viable solutions to the problem.
Consumer complaint received 2024-10-21
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)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-22
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. (FL)

I called many times TransUnion to report that I never did a bankruptcy that was reported under my old XXXX account. I disputed two times, and they always answered that after dispute it is there to stay until XXXX. I called XXXX, and same answer. On XX/XX/XXXX, I went to United Sates Bankruptcy Court Southern District of XXXX, and I paid to have them to do a search, and they did issue a sealed one page report stating that they " none found '' any pending or closed bankruptcy cases in this district. It's been 6 months that I'm fighting and dispute with TransUnion, they hung up on me, and a supervisor even read the notes that other employees put in my file, and the employee lied in his notes. 

How come a reporting agency or a credit card can put whatever they want even if it's not true. It's illegal, false information, I NEVER did a bankruptcy. This is destroying my life. In the USA you can not do anything with this mention in your credit bureau, your life is almost destroyed. I had more than 36 mistakes in my file with TransUnion this year. In the report attached with this complaint you will see that in XX/XX/XXXX they were supposed to DELETED the bankruptcy and they never did. That's a lie. Why sending a Dispute Report if it this not true? TransUnion as the goal to destroy people only. They just care for the paid clients like XXXX. 

I will attached also a letter directly from XXXX that I received in early XX/XX/XXXX, and in the rectangle everything that is there, it is totally false, they did exactly the opposite. They still report me every month even if my account is close since long time, that file affect my credit score no doubt. 

That needs to stop. If this system can allow me to download documents, I will certainly join proof for CFPB to help me as quickly as possible. 

I also have another NEW problem with TransUnion since yesterday. I think, not to mix things, that I will initiate another complaint after this one, to be able to explain my NEW problem with TransUnion
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MS)

Purchase was made from XXXX on XX/XX/XXXX  using PayPal Credit Card. It was placed online for some cat shelves. The amount is {$640.00}. Item will not be shipped until XXXX XXXX. I cancelled and requested refund. This was denied. I was told I would have to receive item and return it. I would get a refund 30 days after it was returned. I was not told it would take this long to receive it or the return policy. I disputed the charge with PayPal Credit Card through PayPal and Synchrony Bank. I have sent faxes and mailed dispute form. It has been ignored. 
This is a lot of money for me. I can't afford to lose that money or be without it for this extended period of time. I'm on a fixed income and am XXXX.