davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

My account with XXXX XXXX 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 those account 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.

XXXX XXXX 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
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocary group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-debt final rule 1002. 142 ( b ) ( 4 ) -51002. 142 ( b ) ( 7 ). i kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the fair credit reporting act. i am a victim of XXXX XXXXXXXX XXXX XXXX XXXX & would like for all listed accounts to be blocked and deleted company information transunion. please delete the following accounts. XXXX XXXX guide balances {$900.00} & {$2300.00}. XXXX XXXX  guide balance {$1100.00}. XXXXXXXX XXXX  balance for {$1500.00}
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My name is XXXX XXXX XX/XX/XXXX victim of XXXX Domestic for XXXX XXXX XX/XX/XXXX XXXX XXXX removed of my business, change passwords in automatic credit card payments, stole all my business, stole my money, closed my bank accounts, NO JUSTICE IN THE STATE OF NEW MEXICO. Authorities of the Third Judicial District in XXXX XXXX New Mexico Violated my Human Rights of a Citizen of the United States of America please if you know anyone that can help in another state investigate this case FBI, authorities that can put the law above the authorities that violated the law of the United States of America and review my last court on XX/XX/XXXX in XXXX XXXX NM, By the official XXXX XXXX XXXX Violated my human Rights of a citizen of the United States of America.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

My name is XXXX XXXX  Was payment Transactions refunded ID XXXX for XXXX  everytime I contact yall support yall cant help me because I dont remember the payment email I used please help me.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-03-26
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. (NY)

XXXX XXXX XXXX {$1800.00} CLOSED CHARGE OFF XXXX {$14000.00} CLOSED CHARGE OFF
Consumer complaint received 2024-07-19
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)

I am a survivor of debt bondage, a form of XX/XX/XXXX where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supportingXX/XX/XXXX survivors. We are invoking Section XXXX of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked toXX/XX/XXXX once an official claim has been filed.
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

XX/XX/scrub>XXXX  Attempted to make a purchase at XXXX and entered this card for payment ; it was declined. 
XX/XX/year> Attempted to make a purchase on XXXX and entered this card for payment ; it was declined. 

All other online retailers I attempt to use the card to purchase anything, have been declined even though the balance is full and available.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

unfortunately, I am a victim of human trafficking of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-06-29
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. (AL)

XXXX XXXX : XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Dear Sir or Madam, I am writing to formally dispute the accuracy of information regarding a charge-off listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$550.00} You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

Hi Lvnv Funding LLC : XXXX XXXX  XXXX XXXX  ; XXXX XXXX XXXX ; cfpb ; There are 2 accounts that i'm not aware of, no knowledge, no contractual agreement. I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter.

Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt. 
I demand the immediate deletion of this account from all credit reporting agencies. Your actions have significantly impacted my credit report and overall financial well-being.
Consumer complaint received 2024-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (TX)

I noticed a collection pop up in my credit report in XXXX, I requested an itemized bill and they were not able to produce it. I did not get a notification via e-mail nor postal mail stating I owed this debt, not sure if they send it, what address it was. They do not want to remove this collection from my credit report.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had a check cashed on our account that was not our name, adress or signature. The fake name in the acct wasnt ours. The signature wasnt our name. Its ridiculous that they cashed it. We caught the mistake on XX/XX/XXXX. They still have not returned the funds
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Auto Buyers Credit LLC (FL)

I was not given the option to opt out of the third-party having my personal information. The law states that in order for you to get my consent to share my information with a third-party you also have to provide me with a Option to opt out of a third-party having my information. Third parties like XXXX. The law I am referring to is 15 usc 6802 ( b ) obligations with respect to disclosure of personal information.
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NH)

I was divorced in XXXX and filing for a release of liability through phh mortgage to get the ex removed from the mortgage. 
XXXX - they received the release of liability package XXXX - the release of liability goes to underwriting XXXX- they cash the check for the release of liability processing fee XXXX - the do a hard credit inquiry call repeatedly between XXXX and XX/XX/XXXX. Told that it take 40-60 business days for the underwriting department to process the request. 

It is now day 62 and they again checked my credit XX/XX/26. I call again and the escalation manager tells me someone is going to call me today but he has no information. 

I am under court order to complete this process in 120 days, 120 days was XX/XX/XXXX. I am waiting for the release of liability to complete so I can close on a home equity line so I can buy my wife out of the house, but can not complete this until she is off the primary mortgage. 

I have XXXX in equity in my home and only owe XXXX and have been with them 15 yrs. They can see from the tax returns in the release of liability package I have been making the payments on my own as my wife hasnt worked in 10 yrs. I make XXXX a year and have a credit score of XXXX. 

There is no reason this process should take this long.
Consumer complaint received 2024-07-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/year>, I got a call from my parents who live in XX/XX/XXXX that they received an XXXX XXXX credit card through Barclays Bank under my name that I did not apply for. Around the same time they also received cards from XXXX, XXXX, and XXXX, and a purchase for a new phone was made through XXXX on my credit as well. I had been the victim of identity theft, and Took the necessary measures to freeze my credit, inform each company about the fraudulent accounts, submit police reports stating what had happened, and submit disputes with the credit bureaus as well. 

As of now, each of these cases have been resolved and I have not been held responsible for any charges, except for the XXXX XXXX account. The dispute I submitted through XXXX came back with a ruling that I was responsible for the charges, and I followed up over the phone to see why, and to have them reopen their investigation on the issue. On XX/XX/year>, I received a letter ( at my correct address in XX/XX/XXXX ) that their investigation once again ruled that I was responsible. I followed up over the phone AGAIN to see what caused them to rule that, and provided the additional information that I had been living in my current address in XX/XX/XXXX for the past 3 years, while the credit card that was fraudulently opened was sent back to my parent 's address in XX/XX/XXXX The investigation has once again been opened, but the present moment I am still being held accountable for the charges, and I have been contacted by them saying that my payment is past due.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (LA)

I purchased a XXXX XXXX XXXX from XXXX 's XXXX XX/XX/year>. Due to me being in bankruptcy, my financing options were limited. However, I was told that I could refinance my vehicle after getting out of bankruptcy. I was scheduled to get out of bankruptcy the following month in XXXX. I could not wait to purchase the vehicle because the vehicle was purchased for my daughter going to XXXX. I paid my car note every month, but the balance did not move. My balance stayed at {$20.00}, XXXX for XXXX months, then it went to {$19000.00} for XXXX months. I am currently unable to refinance because other companies are saying the loan request is too high. I would like to resolve the issue so I am able to refinance my vehicle. I do not want to lose the vehicle because the vehicle is used for my daughter 's transportation. PLEASE HELP!!
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Larry H. Miller Group of Companies (AL)

I acquired a loan for a XXXX XXXX XXXX on XX/XX/XXXX. I signed on contracted on XX/XX/XXXX which was dates for XX/XX/XXXX. On that particular contract, I had XXXX on that contract. The dealership ( XXXX XXXX XXXX in XXXX, alabama ) called me and had me to allegedly sign another contract, which was dated XXXX, but time stamped for XX/XX/XXXX at approximately XXXX XXXX. On that particular contract the sales person stated that he accidently left it off. My signature isn't on neither contract. I have full coverage insurance and I had a mechanical breakdown and and electrical issue with the vehicle and it's in operable. My insurance company paid approximately XXXX and the pay off is approximately XXXX the salesman at the dealership lied to me about being able to refinance the loan if I had went along with Prestige Financial. My signature was copied and pasted onto the contract. I don't have one piece of the contract whereas I physically signed on that contract.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

I played at XXXX. I deposit a total of {$3000.00}. During those deposit I want to cash out for {$1700.00} the site would not let me. I reached out to a chat rep name XXXX. She stated I could not cash out cause they put a bonus on my play. I explained I never authorized the bonus nor did I use a bonus code. XXXX stayed when they run promotions they automatically add bonus and I could forfeit the bonus but I would also loose all my winnings. I explain this is illegal you never notified me that a bonus was being put on. So I had to wager around {$300.00} which I did I then went to cash out. XXXX add another bonus so you could not cash out again. I called Chime and explained this is a scam you will not be able to cash out they just want you to keep depositing. I want to dispute the charges. That rep put in for unauthorized charges. I explain I did not understand why he was doing that as unauthorized charges. I then got a email from them stating under XXXX XXXX no credit would be given. I called Chime that day spoke to a rep explain based on this XXXX XXXX the XXXX XXXX XXXX filed the dispute wrong. So he told me he fixed it. Yesterday on XXXX XXXX my claim was denied caused it was never changed they still had it under unauthorized. I spoke with XXXX reps the last rep told me he put it in for a rebuttal and fixed the dispute reassign to scam. I explain to them many times if they calls are recorded they would get me telling the XXXX XXXX rep why is he doing unauthorized dispute? I trust chime to put this claim in the right category they are my banking. But they did not. Now my claim is being denied. I was scaled out of this money. If the claim was done right from there rep this matter would of been looked into.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Unknown Collection XXXX
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc. (TX)

On XX/XX/year> I checked into XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged my account {$20.00} for incidental charges. I checked out of hotel XX/XX/year>. XXXX XXXX released the {$20.00} hold that day. My bank is called Branch. This {$20.00} charge has been pending on my checking account for 2 weeks. Ive been giving 7 different lies about this charge. They keep trying to blame XXXX XXXX. XXXX XXXX has given information showing that they released the hold. And the face that Branch keeps lying with different stories and keep trying to blame XXXX XXXX concerns me.