davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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. (NY)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX XXXX XXXX XXXXXXXX and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX XXXX XXXX XXXXXXXX ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B 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.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-08-03
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. (NY)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX XXXX XXXX XXXXXXXX and Account number XXXX } I also respectfully request to be provided specific proof that theses alleged late payments were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX XXXX XXXX XXXXXXXX ) for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B 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.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ME)

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic.

( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Paypal froze my account when i havent broken any rules after promising to release my funds holding almost XXXX in there First it was XXXX XXXX  now its XXXX XXXX ( after telling me theyd release in a few days ) I want my money
Consumer complaint received 2023-06-16
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. (AL)

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.

The letters are stated with items and issues.

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 2023-07-30
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. (IL)

XXXX TRANSUNION XXXX XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the accounts reported was fraud. said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX TRANSUNION XXXX XXXX to provide the documentation used to determine accounts was indeed authorized by the consumer, XXXX TRANSUNION XXXX XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX XXXX TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX TRANSUNION XXXX XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (MD)

I reaffirmed an auto loan with Wells Fargo XXXX XXXX after filling XXXX XXXX in XX/XX/XXXX. I continued making all of the loan payments on time every month. However, Wells Fargo still removed my auto loan from my credit report and said they would report the loan again to the bureaus once it was paid off. 

I paid off the loan a year ago in XX/XX/XXXX and submitted a request to have the tradeline added back. Wells Fargo sent me a letter which states that they " asked '' the bureaus to add the tradeline back. However, that doesn't seem to be true. I've followed up several times with Wells Fargo and the three main credit bureaus. Wells Fargo tells me they reported the loan but all three main credit bureaus tell me they haven't received any communication from WF Dealer Services on my behalf. 

In XX/XX/XXXX I decided to check my XXXX report and found an old WF Dealer Service record which was missing data from XX/XX/XXXX through XX/XX/XXXX. So I submitted a dispute through XXXX on XX/XX/XXXX to have the missing months updated. Then the record disappeared entirely. I called XXXX and spoke with an agent who said Wells Fargo 's response to the dispute was to delete the record entirely. 

I'm baffled at why Wells Fargo would tell me they've tried to add the tradeline back and then also delete the only record remaining. 

I've been dealing with this issue for 11 months and I'm getting no where. I'm desperately trying to improve my credit score and I really need this loan to be reported on my credit history. 

XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX  = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Nothing from Wells Fargo Dealer Services as of XX/XX/XXXX XXXX = Record was deleted by Wells Fargo on XX/XX/XXXX
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

original debt owed to XXXX XXXX visa. 
over 7 years have passed, debt was charged off over a year ago. 
However, XXXX funding continues to report account as open and debt due.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Tow unauthorized charges on my debit card while I was traveling overseas. I reported the incident right away to my bank fraud department when I realized my card was missing and that I was unaware of these charges. Upon my return from my trip I contacted my bank for follow up they inform me that I will be responsible for the charges. I disagreed and I visited my bank on XXXX and met with account advisor and I addressed the issue with the advisor explaining why was not my responsibility because someone having and that person someone was able to used my card. they told me they will escalate the issue to higher management decision. Today XXXX the bank drawback from my account the charges without notice.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (NY)

I just received a copy of my consumer report and I noticed two accounts listed below were reinserted on my consumer file. Can you reinvestigate these accounts and provide me with the description of how you certify that the information was complete and accurate. I also was not notified within 5 business days of the reinsertion of these accounts which a violation under 15 USC 1681i ( 5 ) ( B ) iii : XXXX XXXX XXXX - Remove this account from my consumer report due to violation or my rights under 15 USC 1681 i ( 5 ) ( B ) iii XXXX XXXX XXXX XXXX - Remove this account from my consumer report due to violation of my rights under 15 USC 1681 i ( 5 ( B ) iii XXXX. XXXX XXXX on XX/XX/2023 - Remove this unauthorize inquiry from my consumer report due to violation of my rights under 15 USC section 604 ( a ) 2  XXXX. XXXX XXXX  Inquiry on XX/XX/2023 - Remove this unauthorize inquiry from my consumer report due to violation of my rights under 15 USC section 604 ( a ) 2
Consumer complaint received 2023-06-16
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: The J. G. Wentworth Company (MS)

I had XXXX different transactions with J.G. Wentworh. The first two went smoothly, no issues. The first being on XX/XX/XXXX for {$100000.00}, the second being on XX/XX/XXXX for {$95000.00}, the third on XX/XX/XXXX for {$480000.00}. They only sent me {$2000.00} on the third transaction. I tried to contact them numerous times throughout the time period allotted to cancel it, got no response. I have messages from someone from their company telling me XXXX supposed to receive {$480000.00}. I never once went before a judge during any transaction. Since then the bank has closed my bank account and caused many other issues to arise. All I want is for them to give me my money, which is out of a XXXX XXXX dollar settlement and quit tricking people into signing something when they are lying to them and scamming them.
Consumer complaint received 2023-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (LA)

I have been a participant in the LA XXXX XXXX XXXX as a result of a hospitization I experienced during the XXXX pandemic. The State of Louisiana 's program paid my mortgage current and has made payments for 6 additional monthly payments. However, PHH Mortgage is ALWAYS slow in posting the payments. Once, the funds were sitting in a suspense account while agents told me no payment had been received from the state program. After waiting several weeks to speak with my PHH Relationship Manager they explained that the payment of {$790.00} was sitting in a suspense account and I needed to pay the remainder of that monthly payment ( approx {$100.00} ) before any of the state 's payment of {$790.00} would be posted to my account. The payment was late as a result of PHH 's failure to provide me with accurate information initially. They waives the late fee, however I am unaware if any late reporting was made to my credit bureau file for that XX/XX/XXXX payment. Here again I am being told on XX/XX/XXXX that PHH has not received payments from the state of Lousiiana HAF ( LA XXXX XXXX XXXX ) for XXXX or XX/XX/XXXX. The state has confirmed that payments were sent over 30 days ago. PHH will not process a partial payment for my portion {$100.00} and have scheduled a call for me to speak with my Relationship Manager over 3 weeks from now on XX/XX/XXXX stating that is the earliest appointment time that they have available. Why aren't payments that the state of Lousiana sent to them on XX/XX/XXXX and XX/XX/XXXX still not posted on my account?
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), an energy/electric account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a fraudulent XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) that is attached to a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$990.00} that appears related to the aforementioned XXXX XXXX rented at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC (MO)

XX/XX/XXXX : Received first ( and only ) written notice from Spire Recovery Solutions for a debt. The document stated XXXX XXXX now owns a debt that XXXX originally owned. The amount was {$2000.00} on XX/XX/XXXX. 

My spouse called the phone number for Spire Recovery Solutions ( Reference number is XXXX ). This company asked my spouse for my personal information. He did not supply any information, but the company provided an address, a state, a bank institution, and a false employer associated with the name on the debt. Some of the information was accurate but outdated. 

I called the number for XXXX. I spoke with a woman name XXXX. They asked for the reference number XXXX. They told me this account number was associated with my name, then she asked me for the last four digits of my social security number. I gave her this information. She said I needed to call the local police department and fax or email them the police report so their fraud department could correspond with my local police department. 

I called my local law enforcement agency. They told me the debt collection agency was a fraud, and so was XXXX. I was told no case number would be filed for the case because I needed to contact the FTC to file a report.
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Manhattan Beach Venture, LLC (FL)

Complaint on scam XXXX XXXX XXXX asks for my SSN over the phone and personal information about my last year tax return. He also ask about how much I make a month and lot of personal income information. He stated he needed this information to see how much I owe to Federal Student Loan. I 'm worry because I gave my SSN and some of my personal information over the phone. I tried to look this company up under XXXX and nothing is coming up. XXXX XXXX stated they were legit. I copy some information from the email I was sent from XXXX XXXX, which is provided below their address to this so called company and the name. He stated they help with Student loan and to get People down to no payments or low payments and he also requested for me to attach income documents to email. XXXX XXXX phone number should up as a XXXX phone number but he stated he was located in XXXX and gave me a XXXX contact number which is provided below. I provided the company information below : The Student Loan Relief Department Contact us XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX direct line XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX