davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Balance : {$3900.00}
Consumer complaint received 2021-04-28
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: CREDIT ACCEPTANCE CORPORATION (IL)

I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved as soon as possible.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in 60 days to be removed.

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.

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!

Delete the late payments from my consumer reports 8
Consumer complaint received 2020-08-18
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. (FL)

Im disputing the reporting of my XXXX account. Due to the COVID-19 shutdown I could not make my monthly payment. I missed 2, I contacted XXXX through email regarding my account. They responded by asking me to call the customer service depot to which I did. 
I explained my situation and XXXX on a reduced monthly minimum payment of {$70.00} for 6 months. This payment is automatically drafted my account On the XXXX of every month. Im disputing the fact that even though we agreed on the reduction in monthly minimum, they are still reporting me as 60 days late. I was not told by the XXXX rep that I would still be reported as late even though I am paying the {$70.00}. This is incorrect information as I am on a payment plan and I am making the payments as agreed upon, without fail. Due to the COVID19, I was laid off of my job due to my industry deemed non-essential. 
Experian did not help in this matter. It took them less than a week to give me the same answer as XXXX did.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-08-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Further information needed into the accuracy of Mr.Cooper 's reply letter dated XX/XX/XXXX. 

Your letter claims no post-petition made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Can you please acknowledge the Chapter XXXX bankruptcy court 's confirmation date of XX/XX/XXXX? If this is correct, no repayment schedule ( plan ) had been approved by the Bankruptcy Judge/Trustee for that XX/XX/XXXX payment. This would be the reason for no payment. Transactions # XXXX, # XXXX, and # XXXX of XX/XX/XXXX, should have been moved to post-petition payments after confirmation repayment approval. Please see the payment transactions from your attached reply ledger. Transactions # XXXX, # XXXX, and # XXXX ( page 29 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? Transactions # XXXX, # XXXX, and # XXXX ( page 24 of 43 ), do these amounts not cover the missed payment for XX/XX/XXXX? 

Please explain Transaction # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX ) and # XXXX labeled XXXX XXXX XXXX ( dated XX/XX/XXXX )? Both seem to be the same code used at Transaction #  XXXX that transferred this loan to your mortgage company.
Consumer complaint received 2020-08-18
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. (FL)

I first submitted my dispute Transunion concerning the reporting on my XXXX XXXX account with Transunion in XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating they updated my account. I then pulled a new credit report on XX/XX/XXXX and noticed more inaccuracies and submitted another dispute on XX/XX/XXXX showing multiple charge offs after the account closing. On XX/XX/XXXX I received a response from XXXX XXXX that their reporting had been updated due to inaccuracies. On XX/XX/XXXX I pulled a copy of my credit report showing that the disputed charge offs had been removed, but that the dated updated had not changed. I then sent a letter to Transunion asking for the method of verification/investigation on XX/XX/XXXX as I do not believe that any investigation had been performed. On XX/XX/XXXX I received a letter from XXXX XXXX that states they have conducted an investigation and have updated my report but have not furnished any information relating to how they conducted their investigation. It has also been more that 30 days since the creditor has received my original dispute but no notice of dispute has been placed on my credit file.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is reporting a late notation on my credit file for XX/XX/20 that needs to be removed. I recently looked at my credit and noticed this late on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Wells Fargo report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Wells Fargo please take leniency on my hardship and remove my XX/XX/20 late as a onetime goodwill adjustment.
Consumer complaint received 2020-08-17
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: CBC Companies, Inc. (FL)

Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.
Consumer complaint received 2018-07-31
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. (NC)

I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX  XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX  XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

15 U.S.C 1681 section 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 informationisinaccurate.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

Yes, I'm writing this letter so the world can see how horrible well Fargo is I have made multiple calls to them regarding an unauthorized transaction and they told me to just relax that they will take care of it within 10 business days but it has been over 2 weeks and nothing has happened yet!!! this company is screwing me over and trying to mess up my credits for these 2 transactions!!! we need better customer service! 

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$200.00} {$300.00} XX/XX/18 XX/XX/18 XXXX XXXX   XXXX XXXX XXXX XXXX # XXXX {$22.00} {$320.00} XX/XX/18 XX/XX/18 BALANCE TRANSFER XXXX XXXX XXXX XXXX # XXXX {$15.00} {$340.00} These aren't mine and it shouldn't be there.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$160.00} -This is not my account.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (VA)

On XX/XX/XXXX at XXXX. I sent the equivalent of XXXX  XXXX to my partner, with whom I'm in a long-distance relationship. I chose Wise ( formerly called Transferwise ), because they promised that the transfer would happen instantly. It did not. My money is being held for " checks '' ; the company requested information about his name, date of birth, and place of residence. I forwarded the information at around XXXX on the same day. 

He still has not received the money. On the website, it says it will not happen for another four working days.
Consumer complaint received 2018-07-31
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. (PA)

I asked and am asking Experian to remove a bankruptcy that they are reporting due to the fact that bankruptcy courts do not report, validate, or verify ANY information. 

I will attached such a letter. 

I also took a screen shot on their site, under my account. It shows that they are reporting a bankruptcy and that the bankruptcy furnisher is the bankruptcy court itself.
Consumer complaint received 2022-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I recently moved back to the XXXX XXXX on XX/XX/XXXX, after living in XXXX for over XXXX XXXX. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is XXXX XXXX XXXX which already had transferred that account to Midland Credit Management for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from Midland Credit Management on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to XXXX XXXX XXXX, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home XXXX and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (PA)

TRYING TO DISPUTE WRONG COLLECTIONS ON MY CREDIT REPORT. AS WELL AS THE AMOUNT LISTED. THREATENING CALLS AND CONSISTENT PHONE CALLS THAT LEAD ME TO CHANGE PHONE NUMBER DUE OF NUMEROUS HARASSING PHONE CALLS. IT DAMAGE MY CREDIT AND COULD NOT ABLE TO ASK FOR LOANS TO PAY SOME OF MY DEBTS DUE OF THE EFFECT ON MY CREDIT.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IN)

Each time i applied for driving job, my background check came back not favourable simply because of inaccurate information or perhaps CFPB has not updated/reconcile my driving record with XXXX. This has not been treating me fairly. I have ordered my driving record at XXXX and also send to the company that is trying to hire me, but i also need you to reconcile and update my driving records in line with XXXX records. Thanks.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

I started an Auto policy with XXXX - XXXX XXXX office in XX/XX/2021. My monthly amount remained the same until I requested to remove a car and stop auto bill. At that point I was double charged and the funds actually came out of my account. I requested a refund from the agent XXXX XXXX and got the run around. Soon my policy was approaching termination due to them not fixing the billing error although I was assured by their XXXXXXXX XXXX XXXX Dept XXXX - escalation XXXX No one ever followed up. When I contacted XXXX XXXX XXXX HE was very rude and irate after I advised I would like another agent and this issue to be escalated to whomever he reports to. My policy was cancelled a few days ago. Although XXXX the owner advised he needed to research and follow up he never did. A month or so later the charge showed on my credit report.
Consumer complaint received 2020-09-01
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. (FL)

I did sent letters out certified over 60 days ago and have yet to receive any type of notification. As a consumer i feel like these clowns are not taking me serious and taking advantage of me.
Consumer complaint received 2021-04-28
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. (NC)

I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.