davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (TX)

Yall are reporting 14 late payments from accounts that have been closed or paid off thats not fair those accounts are from identity theft issues and Im still paying for the prices someone else has to me its not far that third party can stalk my credit and yall report the stuff, by law it cant be done and shouldnt be done but yet yall has done so please take this of my credit please Im asking yall its been years Ive been reaching out to yall spending money that I dont have not fair please remove them
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted Experian, XXXX, XXXX and the original creditor XXXX  XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX and XXXX is reporting incorrect addresses on public information. XXXX  XXXX is reporting incorrect addresses and not reporting correct information per FCRA. They are reporting inaccurately and should remedy this issue. Information is totally incorrect.
Consumer complaint received 2023-08-08
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. (VA)

Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-06-20
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)

" I am filing this complaint because the credit bureaus have failed to remove inaccurate and inconsistent information from my credit report regarding the XXXX XXXX XXXX account. The credit reports provided by the bureaus show significant disparities and discrepancies, which undermine the accuracy and integrity of the reported information. 

1. High Balance : There is a significant discrepancy in the high balance reported. The first report shows a high balance of " {$0.00}, '' while the second report lists a high balance of " {$7100.00}. '' This inconsistency raises concerns about the accuracy of the reported information and the actual highest balance associated with the account. 

2. Account Balance : There is a notable difference in the account balance reported. The first report shows an account balance of " {$14000.00}, '' while the second report lists the balance as " {$7100.00}. '' This discrepancy raises concerns about the accuracy of the reported data and the true outstanding balance. 

The inconsistencies in reporting, particularly in the payment history section, further highlight the need for a comprehensive investigation and correction of the credit reporting for the XXXX XXXX XXXX account. It is essential that the credit bureaus rectify these discrepancies promptly and ensure the accuracy and completeness of the reported payment history. 

These inconsistencies and inaccuracies in the credit reporting for the XXXX XXXX XXXX account are alarming and require immediate attention. I have previously disputed these discrepancies with the credit bureaus, but the inaccurate information has not been updated or removed from my credit report. 

It is crucial that the credit bureaus thoroughly investigate and rectify these discrepancies, ensuring the accuracy and integrity of the reported information. I request that the credit bureaus take immediate action to remove the inaccurate and inconsistent information associated with the XXXX XXXX XXXX account from my credit report. 

Thank you for your attention to this matter, and I look forward to a prompt resolution of this issue. ''
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. Kindly fix this accounts : CAPITAL ONE XXXX Balance : {$1000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was frauded out if {$3900.00}, paid for security deposit and 1st month rent via cashier check XXXX, Chase Bank. XXXX XXXX, via XXXX XXXX, XXXX XXXX XXXX XXXX Went to Chase Bank to report the fraud and no help was provided. Filed complaint with FTC and police report with XXXX Police Department. 

Individual represented himself as owner of rental property, requested cashier checks for payment, and never met to provide keys to rental property. Now, not answering phone nor returning text messages.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (FL)

ACCOUNT NAME XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX NCA  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

1- Unauthorized Inquiry : XXXX XXXX XXXX XX/XX/2021 2- Unauthorized Inquiry : XXXX XXXXXX/XX/2021 3- Unauthorized Inquiry : XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-08-08
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XXXX a {$100.00} transaction was performed from a PayPal account that I manage in the name XXXX XXXX XXXX XXXX to a merchant called XXXX XXXX XXXX XXXX XXXX I immediately disputed the transaction with PayPal via their online mechanism as the transaction was not performed by me or anyone authorized to do so. I do not recognize that merchant and have no idea what the transaction is. 

PayPal subsequently " Closed '' my dispute case saying only that they determined the transaction was not unauthorized but without providing any further details. 

I escalated that matter as a complaint via their online mechanism and they again subsequently " closed the case '' again simply repeating that they found no evidence that the account is unsecured and suggesting that I contact the merchant if I have any problems with " my purchase ''. I again escalated repeating that I did not make any purchase with this merchant, I have no idea who they are, and they have not responded to any emails that I've sent to them. 

PayPal has failed to provide any information about the transaction or how it was authorized, nor about how they seem to determine that the transaction was " not unauthorized ''. The transaction should be immediately reversed and they need to provide relevant information on how the transaction was authorized in the first place. I'm concerned that the significant balances that are sometimes held in our PayPal account are at risk of theft and PayPal is refusing to provide ANY protection or recourse against fraud committed on their payment platform.
Consumer complaint received 2023-06-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carvana Group, LLC (AZ)

Carvana a car company advertised delivery of a car on a certain XXXX XX/XX/XXXX but did not deliver until XX/XX/XXXX XXXX i received a very threatening email regarding amount od down payment which they told me XXXX then said I owed another XXXX I paid the amount when I said I no longer wanted the car I was threatened with sending car to auction and I would be responsible for amount left over. Over the time of car note i have been called day and night and at several times after XXXX XXXX  and I had to ask for my contract which showed and diffrent amount owed added on extra interest plus added to my credit score
Consumer complaint received 2023-07-21
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)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (FL)

I mailed certified letters to Equifax and XXXX informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, both on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. Both bureaus refused to adhere to the law and refused to o all that they could in that moment, to protect me, the consumers rights and privacy.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I experienced a highly unprofessional handling of my home mortgage process with Wells Fargo. The initial promise that my mortgage was ready to be signed following XXXX XXXXXXXX XXXX XXXX  leave turned out to be misleading. Subsequently, my case was handed over to XXXX XXXX and XXXX XXXX, who exhibited minimal communication throughout the process. Even after successfully passing the co-op interview, the process of scheduling the closing hit a roadblock due to Wells Fargo 's failure to respond to my lawyer 's emails. Only after persistent follow-ups on my part did I manage to extract any updates. 

Regrettably, the lack of communication extended to critical details, such as their investigation into the building and its potential impact on my loan. It wasn't until XX/XX/2023, that I was finally informed about this crucial matter. With my lease expiring on XX/XX/2023, I found myself without a home due to the inability to promptly seek an alternative lender for the closing. Adding to this ordeal, XXXX XXXX recommended I obtain a mortgage from her associate after my initial loan attempt fell through, seemingly motivated by a referral commission. 

In conclusion, the manner in which my mortgage application was handled by Wells Fargo was marked by unprofessionalism, inadequate communication, and a lack of transparency, which has led to substantial inconvenience and financial burden on my end.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB ) FCRA 611 ( 15 U.S.C. 1681I )
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. (CA)

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the inaccurate reporting of a late payment for my XXXX XXXX XXXX  XXXX account # XXXX for XX/XX/XXXX. The payment due date for this account is the XXXX of each month, in line with the original account opening date of XX/XX/XXXX. The payment in question was made on XX/XX/XXXX, which is well within the 30-day window. As such, the late payment remark for XX/XX/XXXX is incorrect and should be updated to reflect that the account was never late, or it should be removed entirely. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The refusal to correct this clear inaccuracy, despite the evidence provided, constitutes a violation of this provision. Additionally, 15 U.S.C. 1681i requires that credit bureaus reinvestigate any disputed information if the consumer provides reasonable evidence that the information is inaccurate.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the late payment, despite evidence to the contrary, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Reporting a late payment that was made within the required time frame is misleading and damaging. 

XXXX XXXX Compliance Issues : The XXXX XXXX format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The incorrect late payment reporting for XX/XX/XXXX, despite the payment being made within the acceptable window on XX/XX/XXXX, indicates non-compliance with XXXX XXXX guidelines. This non-compliance further warrants the immediate correction of this information. 

Request for Immediate Action : I am requesting that you instruct the credit bureaus to update the late payment remark for XX/XX/XXXX on my XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX to never late or remove the remark entirely. Additionally, I request an updated copy of my credit report reflecting this correction.