davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-06-27
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. (CA)

I recently checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-28
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. (PA)

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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-01
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: OneMain Finance Corporation (NY)

I am writing to formally request the removal of an unauthorized hard inquiry on my credit report. This inquiry was made by OneMain Financial in connection with a personal loan application. At the time of the application, your representative assured me that I would be approved based on my credit score and bank statements, even as the sole owner of my XXXX, where deposits are made into my XXXX checking accounts. Despite these assurances, my credit report now reflects a hard inquiry from OneMain Financial. 
This unauthorized hard inquiry constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies can only furnish a consumer report for permissible purposes and that users of consumer reports, such as OneMain Financial, must have a permissible purpose to obtain such reports. The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer report may be obtained, and this situation does not meet those criteria. 
Furthermore, the misinformation provided by your representative constitutes deceptive business practices, which are prohibited under the XXXX XXXX XXXX Reform and Consumer Protection Act. This act gives the Consumer Financial Protection Bureau ( CFPB ) the authority to protect consumers from unfair, deceptive, or abusive acts or practices ( XXXX ). 
I kindly request that OneMain Financial take immediate action to remove this unauthorized hard inquiry from my credit report and provide me with written confirmation once this action has been completed. Failure to address this matter promptly may result in my pursuing further legal remedies.
Consumer complaint received 2024-08-01
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: I.C. System, Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (GA)

On XX/XX/2024, I was contacted by XXXX XXXX XXXX regarding an attempt to collect a debt allegedly owed to Discover Bank. I was served with a statement of claim by XXXX XXXX XXXX, presented as legal papers from a law firm and attorney, but they did not disclose that they were acting as debt collectors. This omission is misleading and violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to clearly identify themselves as such in all communications. 

On XX/XX/2024, I was contacted again by XXXX XXXX XXXX regarding a notice of intent to introduce business records. Once more, there was no mention that they were acting as debt collectors.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX v. XXXX, XXXX XXXX  XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. 

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. 

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

I needed to transfer funds out of my Venmo account and I wanted to also close the account after the fact. My account had been frozen and so I worked with them to unfreeze it by providing them the information that they requested. They said it was unfrozen and that I could transfer the money to my bank account. I went through the process on their site and then never received the transfer to my bank account. They then closed the account that they had on file so I now no longer have access to $ XXXX it's in the account. I tried several times to call them and they said that they could only fix it through email but often times I got only automated responses in the emails. This is been a year-long process of trying to get this corrected and it still is not fixed. I have double checked with my bank and with my bank statements to make sure that I didn't miss receiving the transfer. They were also demanding bank statements from an unrelated bank account that was closed well over 5 years ago as part of proof even though I provided all of the other bank statements and paperwork that they requested. I'm unsure of no whether or not that was actually required. I would just like to get my money transferred and close out my account.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was staying at the XXXX XXXX in XXXX XXXX XXXX XXXX on XXXX XXXX. On the evening of the XXXX, my business associates and I were in the lobby bar at around XXXX following a dinner. I started to feel hazy and confused so I headed toward my room, the last thing I remember was a dark haired female accompanying me. This was odd considering I had only had a few drinks that evening, the police think I was XXXX. The next thing I remember was waking up in my own XXXX at around XXXXXXXX XXXX. My phone, laptop, and wallet were missing from my room. I immediately called the police and provided a statement. I then called all credit card companies and Wells Fargo to put a freeze on my accounts. The crooks had already hacked my phone, change my XXXX XXXX, stole my SSN, charged every card in my wallet, sent a XXXX for {$1000.00}, and generated two wire transfers for {$1200.00} and {$5000.00}. The total stolen in that short period of time was {$11000.00}. I spent the rest of the day at the bank ensuring that fraud claims were filed, at XXXX replacing my phone and XXXX XXXX. Then I changing to 2-step authentication for every password I had. 

Since the theft, I have filed an identity theft affidavit with the police and receive assurance that I will be reimbursed for all fraudulent activity accept for the two wire transfers ( {$1200.00} and {$5000.00} ) from Wells Fargo. They are claiming that wires are different and since my user id and password were not compromised prior to the theft, that I am responsible for this. 

I don't understand, my phone was stolen and hacked. Funds were stolen, and they are claiming this my responsibility. They paid the {$1000.00} XXXX back under the same circumstances.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (FL)

Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf. 

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 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 ) ( a ) 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.

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX XXXX. Date : XX/XX/year>.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HOME ACCEPTANCE CORPORATION (PA)

My credit report is showing a charged off account from Home Acceptance. According to the FCRA I was suppose to receive a 1099c form which I never received so I am requesting that form. This account should not be being reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they are also violating FCRA 15 USC 1681eb for reporting information that is not XXXX XXXX accurate. This account needs to be removed immediately.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

In accordance with the Fair Crediting Act this Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX has violated my RIGHTS. Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 months that are reported late 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 XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX 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 XXXX  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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (AZ)

well Ive always had this problem o cant seem to get a credit card or check my credit idk what I owe or how I can find out but seems to know how to help me I was wondering if you guys can
Consumer complaint received 2024-07-02
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (NV)

Took out a very small XXXX loan from this company only to find out after that the fees charged are predatory and make it impossible to pay off a small amount. This company does not allow you to view your balance or fees through the online portal. This information should be transparent for the consumer and should not be hidden. I shouldn't have to jump through hoops to simply view my balance owed or how much of my monthly payments have been applied to principle. This company is running hidden and unfair practices.
Consumer complaint received 2024-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Complaint # XXXX Recv 'd letter today, dated XXXX from 5th Third that no fault was found in address in Illinois on home in XXXX. XXXX ) police report has been made XXXX ) numerous calls to 5th Third to obtain info on how someone called in to obtain a hardship loan on my address at XXXX XXXX XXXX and their address at XXXX XXXX XXXX, XXXX, IL. XXXX. I was told the transaction was approved by my wife XXXX XXXX, whose name is not on the account. Many attempts were made to call & they would not speak to XXXX because she is not a signer on the account. XXXX ) THE ADDRESS is still in Illinois. 

If you all can not resolve, will file suit with a lawyer. Please confirm