davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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. (AZ)

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of {$1400.00} in order to file as ordinary income. Where is my 1099-C? XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for XXXX greater than { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Consumer complaint received 2023-03-12
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. (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. Account name and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX BANK Account # XXXX. 
XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX 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 an 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, 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 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Follow up to closed case : Wells Fargo Case # XXXX RE : Requested documents to be sent to @ Wells Fargo. 
In the coming week XXXX document copies will be mailed to address provided concerning refinance, requests, repayment options, Trial loan period payments deducted online.Foreclosure attempt during same time period which was denied by court order and subsequent closure of same.Request letter sent XXXX XXXX.
Consumer complaint received 2023-03-12
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: Self Financial Inc. (LA)

in accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

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 purpose.
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Universal Recovery Corporation (CA)

You are still refusing to either delete or change the status of my account with you on my credit report. This account is no longer open, but you still are reporting it as being an open account on my credit report. There are two credit report entries that are still being erroneously reported by you. Once again, any and all of my accounts with you have been included in my Bankruptcy filing and my rights are now protected by the bankruptcy court. You are directly violating my rights and federal laws by allowing mis-information to remain on my credit report. How can a collection account still remain open when the Federal Bankruptcy Laws forbid Collection companies like yours to continue collection activity on a bankruptcy protected account? You seem to think that you are above the laws of our great nation and continue to toe the line of right and wrong by many of your actions. If you force my hand, I will make it my life-long quest to make sure that I raise enough questions about your shady business practices to where an investigation will ultimately open up by one of these regulating agencies on you and finally expose what kind of business practices you are conducting at this collection company of yours. I will make it my life-long quest to expose you for who you are if you want to keep harming peoples credit like you are harming mine right now if you don't remove these erroneously reported accounts from my credit report or change their status from open to closed immediately. Again, They are not open accounts ; they are closed accounts. It is illegal for you to continue collection activity on accounts that are protected by the bankruptcy court as all of mine are including yours as well. However, since you continue to keep reporting these accounts as being open and active, that means that you are still collecting on these accounts because they are still open collection accounts. Yet, they are not and you are forbidden from keeping them in an open status once you were notified by the courts or my attorney that these accounts can no longer be collected on and that they need to be closed out. You refuse to close them out and thus now you are in violation of federal laws. Close them.
Consumer complaint received 2024-10-17
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)

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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX and list of I

nquiries 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX  Block Request Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Consumer complaint received 2024-09-03
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-03-12
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. (GA)

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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX ( this is the second account listed with this company ), XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX XXXX there's two accounts listed with this company ) , has violated my rights.

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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

Have tried to get to properly correct every address that is listed on there report as there are dozen improper addresses being reported that are damaging me directly on top I cant even pull my credit file to examine being sent in my Passport n SSC verification as seems have something I cant even pull file online this needs assistance
Consumer complaint received 2023-03-12
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX & XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX  account ending XXXX XXXX, XXXX  XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending in # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received mail stating a Bank of America account was opened in my name and that they needed my id to continue opening the account. I phoned the number on the mailer telling them that it was fraud and to close out the account immediately. They went on to say I needed to send them all of my personal info so that can do an investigation, I told them no. I continue to receive mailers stating they couldnt close it out because I did not provide my SSN, ID, RENTAL records, etc. I alerted experian of this issue. I just dont think it is right to submit my personal info to close an unauthorized account to begin with.
Consumer complaint received 2023-03-12
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: Conn's, Inc. (TX)

15 USC 1681 Section 602 states I have the right to privacy.

15 USC Section 604 A section 2 : it also states a consumer reporting can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.

In accordance with the fair credit reporting act convergent acount # 12345, has violated my rights.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (IL)

15 usc 1681 section 602 state I have the right to privacy. In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treate payment on a credit card account under an open end consumer credit plan as late for Purposes.
Consumer complaint received 2022-09-04
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. (TX)

Theres things on my credit report comes from identity theft I have a police report and they still have fixed Ill file a dispute and all they do is update the situation with my correct information after I report identity theft
Consumer complaint received 2022-09-04
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 tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full
Consumer complaint received 2022-09-04
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. (GA)

I have rights under 15 usc 1681. 
Equifax is also govern under 15 usc 1681. They have violated my right 's numerous times. I demand all accounts listed be removed. 

According to 15 USC 1681 : I have a right to privacy and I did not give Equifax writes to furnish these accounts.
Consumer complaint received 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE CORPORATION (FL)

My account was compromised & with that being known by the financial institution & my account is still locked. I dont understand this. I have no transportation to go to the bank but they have no reason to not fix ny account and give me access to it if its comprised and the rightful owner is here with proof. The fact that I told them it was compromised the situation shouldve been handled as in my account fixed & returned in good standing now I have no account to receive deposits or do normal things!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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.

TransUnion 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 XXXX 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
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (NY)

I have sent a total of 23 emails and filed 21 disputes on affirm as they have illegally, fraudulently refused to acknowledge the refund confirmed received from the merchant on XX/XX/2022 for XXXX XXXX loan # XXXX. I attached evidence of the refund from XXXX XXXX 23 times. 
Affirm actually responds by repeated formatted bot emails stating there was no refund issued. Then they have actually closed all the disputes. Of recent they do not even respond, now they automatically close them after I open them. I am astonished at the utter criminal activity of this Affirm preying on the vulnerable and taking advantage of them, and in the process ruining peoples credit. 
How does a company dispute hard evidence that a merchant refunded the full amount? Only a company like affirm. What is sadder is the CEO was heard stating how he started this to help the disadvantaged build their credit. Obviously he meant ruin their credit. 
How this company stays in business is beyond me. Its truly shameful.
Consumer complaint received 2022-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has misapplied the funds of my escrow. I had a feeling that one day they would this happen. I have labeled everything on my check, and enclosed the letter stating apply to my escrow and continue to misapply the funds. 

I have enclosed Wells Fargo statement showing and stating it is unapplied funds. 

What is it going to take for this company to stop making these kind of mistakes when the letter and my checks state to apply towards the escrow, unless someone does not know how to read. I see this was done intentionally.