davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Peer Advisors, LLC (NE)

Competing is the person handling my grandmas reverse mortgage. I had a house fire and I have {$120000.00} because my house was ruined and my grandma h had the reverse mortgage and theyre wanting me to pay off my grandmas reverse mortgage and the house is not worth XXXX or {$86000.00} that theyre trying to make me pay. Theres a 95 % on a reverse mortgage, OK and I would not have any money, but Ive already left. Ill be homeless and left her house because it was House and they refusing to do an appraisal and theyre trying to make me pay it off and fall and thats not right
Consumer complaint received 2024-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (IN)

XXXX XXXX, I was transferring money from my Bank account to Wise account. And theyve been declining. 
I called my bank and my husband went to the bank to authorized the transfer. And Been cancelled those paused transfer. 
And I made a transfer of XXXX XXXX dollar. Wise received that.and tried to send money. Was been pending, provided my income and Tax returned information. But I decided to cancel due to biased treatment. And takes a while to verify information. 
Also I transferred XXXX dollar from my bank to wise. As per my bank they cant reimburse/cancel the transaction because that and its been transferred to Wise. 
So Total of XXXX, and have existing balance of XXXX total XXXX XXXX dollar. 
All the required document like Source of income and Tax returns was being provided. And Now Wise Cancelled my Account. How do I reimburse my money? 
Please help me.
Consumer complaint received 2024-07-10
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 XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount 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 2019-08-03
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)

I put a dispute to Experian on XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two XXXX XXXX XXXX  credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that XXXX XXXX XXXX verified they reported correct information to them. These two bureaus asked me to contact XXXX XXXX XXXX and get a proof saying that I don't have any credit card with them. I went to XXXX XXXX XXXX. XXXX XXXX XXXX said that I don't have any credit card with them. XXXX XXXX XXXX asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.
Consumer complaint received 2024-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

This has been an ongoing dispute of criminal activity involved fraud. I have submitted all the paperwork for years for XXXX and should already be processed. I have met all the requirements.The company claims to have " lost '' all my paperwork and my fault for their illegal activity. I've filed complaints and legal challenges. They ignored and lied about everything. I've had to get my senator involved and they even kept hanging up on their staff like they did with me. After months of ignoring they did respond and processed some of my paperwork from years ago but refused to process the rest and kept making excuses. When pressured they kept making up lies and moving the goal post for requirements. 

The office is still fighting with them. And this company acted so illegally with other people the federal government took away their management due to their illegal fraud. They still have some control and still undermining millions of borrowers. I have asked for both them and dept of education to now process the rest. They have actively hung up every time I call and ignore all my emails. They have stalled with the senator office. They have responded claiming they don't have control and up to the dept of education. 

What I would like to see if to finish the process and forgive loans as legally required. They have asked for money and I refused until it is corrected. If I am going to spend money to will be on lawyers to sue every employee name I have written down along with the company.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX  Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-07-18
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. (TX)

I am writing to file a formal complaint regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention.The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct this account immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA XXXX. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-18
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. (IL)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : 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 2024-07-18
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. (CA)

I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY (NJ)

I purchased a money order for a XXXX apartment application with {$50.00} cash. I purchased it at XXXX XXXX XXXX XXXX draft. On XX/XX/XXXX date of check I filled out recipient information incorrectly. I walked XXXX minutes to XXXX TD bank off XXXX XXXX and deposited check at teller window. I had crossed out the initial recipient XXXX XXXX as they would not accept for not staying XXXX XXXX. I had overdraft protection for ATM benefit and had deposited over $ 1500 month of XXXX and {$130.00} XXXX cash. TD Bank closed my account and online availability to XXXX money into the account for conjoint deposit by mobile upload. TD refuses to give me back the check after teller manager in XXXX XXXX branch assured me mailing back and loss of relationship. I traveled across state lines XXXX  to XXXX XXXX XXXX  going XXXX hours distance of, XXXX counties to a carbon of " altered '' check and savings and checking statements but no return check. I expect TD to either return the check or credit the closed Convenience checking the {$50.00} credit of refuted check to closed balance.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 in XXXX, XXXX, XXXX. XXXX, XXXX 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 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 2024-07-18
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. (GA)

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 XXXX, 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 items 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 XXXXXXXX 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 2024-07-18
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-18
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted : XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX