davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Employer : XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (LA)

On Friday, XXXX XXXX from a woman named XXXX XXXX, from a debt collection company called XXXX in reference to a payday loan in my name from a Company called Check Into Cash, in the amount of {$3100.00}. She stated the this debt was bought and sold to a debt collection company or law firm called " XXXXXXXX XXXX XXXXXXXX ''. I immediately asked for more information. She said this took place in the year of XXXX. I immediately told her I did not owe this debt. I've never obtained any loan from this company and this account is not in the corporate system, nor a debt on my credit report so I immediately knew that this was a serious scam and my personal information was obviously used to obtain it, I've never even been inside a location and did not even know what type of company Check into Cash was. Right after I ended the call with her, I called I went to XXXX and found the customer service number to the corporate office of this company and spoke to XXXX in which I gave her my personal information such as my Date of Birth and Social Security number to see if there was any information or an account in my name and there was not. XXXX said It is a scam and referred me to report this incident to the FTC. This company wants to serve me legal documents to my home.
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to 15 USC 1681A ( 2 ) Exclusions, -Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; These Accounts have violated my rights According to 15 USC 1681A : ( 1 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS, are considered transactions. 
Therefore, all late payments should not show on my consumer report.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-01
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX-Date of inquiryXX/XX/XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (WA)

I have a debt from XXXX XXXX, and it was first made more than XXXXyears ago. But yet all of the credit agencies and XXXX XXXX  are saying that the account was opened this year. I have not made any payments, no collections have been made, and I have not contacted them nor they contacted me. So the dates are being forged. Also the original creditor. ( XXXX XXXX ) sold the debt to a company called XXXX XXXX XXXX or something like that. And as far as I am aware, it is illegal for them to trade/sell the debt to another debt collector.. and that they have to first even ask me if it can be on my credit report. 
I believe that after XXXXdays the debt collection agency is no longer able to try and collect this debt from the debtee which they have tried to do.. I receive phone calls at random intervals and times from debt collectors, but I do not tell them who I am so it won't be a " contact '' for them. 

Please look into this and remove it from all of my credit reports. Thank you.
Consumer complaint received 2016-08-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group (TX)

I repeatedly get phone calls from Revenue Group. they ask for my our son, who does not live here. There is no way to tell them to stop calling, it is an automated call. I called the number back to speak with them and in the middle of my sentence, they hung up on me. I want them to stop calling.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX 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 am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the XXXX data breach and may have got in the the hands of the wrong person.
Consumer complaint received 2020-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Higher Education Servicing Corporation, Inc. (TX)

The loan was from my previous marriage in which we divorced in XX/XX/XXXX. When we were married our loans were consolidated to a marital spousal consolidation loan, which now we know that this is a terrible loan, therefore it is no longer offered. In the divorce I agreed to pay the remainder of the loans which were mainly mine from XXXX in XXXX Texas, it is listed in our divorce decree. My ex husband is the person listed on the loan and I get constant calls for him regarding these loans, in which they are paid on a regular basis. I just found out by calling back Higher Ed, a loan company who has been harassing me for 3 weeks, calling me 2 times a week ( asking for my exhusband ), just told me that they just bought my loan from XXXX XX/XX/XXXX. I never received any documentation of this sell. This loan is extremely unethical and the fact that no one will refinance it because its a XXXX loan, and the fact that its keeps getting sold to other lenders, in which it gets to keep its title as a martial spousal consolidated loan, once again leaving me no way out. I have now been married to my new NON ABUSIVE husband for the past 9 years and I refuse to contact my ex husband who was abusive to me and my son ( who is now XXXX XXXX XXXX, whom I won custody of because of abuse ) to ask his permission or get his signature to refinance or verbal okay to put in forbearance. As a VICTIM where are my rights and am I still dealing with this after 14 years??? I became aXX/XX/XXXX( not an English teacher, so please don't be hateful ) after I graduated with this loan, when is enough, enough? So far, there has been no help or hope, therefore my next step will be finding a good lawyer. Not only did HESCloans buy this unethical loan, they have now more than doubled my payment from XXXX XXXX XXXX to now two different payments of XXXX and XXXX ... .this is unbelievable
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : First Payment Was Never Missed : Contrary to the report, my first payment was made on time. I have attached bank statements and payment confirmations showing that the payment was processed before the deadline. This should not have been recorded as late. 
Clerical Error by XXXX : After contacting XXXX, it became evident that a clerical error was made when processing the payment. They mistakenly recorded my account as delinquent despite receiving the funds on time. I have attached correspondence with XXXX acknowledging this error and confirming the payment was made. 
Inconsistent Reporting : While TransUnion and XXXX both show a XXXX late payment, XXXX has no record of any delinquencies on this account. This inconsistency between the credit bureaus is further evidence that there is a reporting error. I have attached copies of my credit report from XXXX showing that the account is reported as current and up to date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ Credit Reporting Agency Name ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from XXXX, I cant say this more emphatically, I have never had a XXXX   account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank, XXXX XXXX. This company advertise that you can make free payments through the automated account via telephone. The first time I had the issue was in XXXX. I called two days in advance approximately around XXXX in the morning, it stated it took the payment. I called back on the XXXX after I noticed my account had not been charged the payment to only find out it did not take. I was provided a confirmation number. So of course my account was charged a late fee and I was not late. With the automated and technology their system have record of me calling making a payment, even though they state there is nothing. The late fee was waived, but it should be removed completely as I was not late. 2nd issue, I called and tried using the automated again to make my monthly payment, it recognizes my phone, but then when you go to the automated, it will not let you put the payment you are trying to pay, it keeps asking the same questions over and over. Its a scam, directing the consumer to a customer service rep which charges a fee for paying as the automated will not let you pay. Needless to say, my payment did not get posted and again, I received another late fee. I called and complained about the issue of not being able to post a payment on the due date as the company advertises. 3rd issue, tonight same thing, called tonight to make payment and of course the automated will not let me do the payment again, it could n't get past the amount to pay. I kept indicating I wanted to make the minimal payment, it would not go past this. I requested an operator who waived the XXXX dollar fee, as I informed her I was filing a complaint against this company. The sad part is I have a JC Penney account that has the same bank and I do not have any issues with making payments, online or automated, but this credit card is the worse. This company is scamming people, manipulating the system for consumers to incur late payments or incur the cost of speaking with a rep to make payment as the system is not allowing you to go through the prompts via the automation. This company should be audited and all funds charged should be refunded to the consumers. A class action needs to be brought against this company as its ripping us the consumers off with its fraudulent practices.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AL)

I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (NC)

I lost a money order of {$270.00}. I first contact Western Union and they ask that I mail in my original receipt. On the XXXX of XXXX I mailed my receipt, the required {$25.00} for the process of my lost money order. It has been more than two weeks and I have not heard from this people. My money order receipt and {$25.00} processing fee was send to them by U.S Postal Certified Mail # XXXX XXXX XXXX XXXX XXXX. This certified mail was delivered to them on the XXXX of XXXX, 2020.
Consumer complaint received 2021-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Now that the XXXX forebearance is over, I applied with my mortgage company, Wells Fargo Home Mortgage for assistance such as a loan modification or to at least have missed payments put to the end of the loan. 

They advised me on the initial call back in XXXX that they would not be able to tell me what I qualified for. I had to submit all required documents and they would let me know which assistance I qualified for. Basically, lets put everything in a basket and see what we can do. 

I had to call again about a week later, after not receiving any word from them as I was advised. They advised me the rep. did not do what he was supposed to and it had to be corrected. 
Throughout the XXXX  month process they have not been contacting me with any updates, as I was told they would. I have been only able to check the XXXX XXXX online to see what documents were needed and to upload them. Now that the decision was made, it doesnt have ANY information. If I had not called them today, I probably would not have known this decision until it was too late and my home would be in foreclosure. 

Now, after XXXX months they advise me I do not qualify for ANY assistance because I do not make enough money. They can not modify my payment or interest rate and I have to make all the back payments and resume regular payments. 
If I do not make enough money, how can I repay this lump sum AND resume regular payments?! 

I was then given information on XXXX sale options. 
When I became upset and demanded an explanation, he went on to say how I specifically requested the modification and went on to explain it was denied because I do not make enough money. I would only be calling them every month pleading for more help. 

Be advised this is my XXXX  mortgage with them. I qualified almost immediately for my XXXX mortgage, AND the payment and interest rate was reduced. 
( I applied for and was approved for the XXXX loan AFTER I applied for this one. ) How do I qualify for modification with the same company for XXXX loan, but not the other?! 

I would also like to add that I have had this loan for over XXXX  years and even when my account was up to date, it has only been reduced by all those years of payments, by {$5000.00}. 

Also, be advised this is the XXXX time this has occurred with Wells Fargo, where they approve a modification for the main mortgage, but not this one. 

I feel that they have and still are attempting to steal my home with these questionable actions and your investigation and assistance into the integrity of this loan would be greatly appreciated. 

thank you
Consumer complaint received 2021-12-01
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. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 166XXXX ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me XXXX  days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.
Consumer complaint received 2021-11-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RCS Capital Partners, Inc. (MN)

I set up a payment plan. I paid every payment until the last two, struggling with a house fire, and a horrible car accident, I explained I need a week for my new debit card to come, to pay for it. 

The representative was SCREAMING at me through the phone, disrespectful, asking for information that isnt his business, and claiming it is.