davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
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 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 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

I used an app once for {$100.00}. And I started receiving spam and my phone was corrupted to the point I had to get a new one. They charged over {$3200.00} to my account without permission and {$600.00} to my XXXX. I have put claims and have no heard a response. They have been spamming my account. I have changed my passwords. 
{$2300.00} XX/XX/year> XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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. (TN)

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX for the account opened XXXX XXXX with account number xxxxxxxxx and XXXX XXXX XXXX for account opened XX/XX/XXXX with account number XXXX XXXX, and XXXX XXXX  for the account opened XX/XX/XXXX with account number XXXX XXXX, XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( TRANSUNION ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Consumer complaint received 2023-09-05
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. (MO)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rock Holdings Inc. (WA)

Date : XX/XX/year> Amounts : {$200000.00} Company : XXXX XXXX XXXX Description of the Issue : I am currently refinancing with XXXX Bank, and XXXX XXXX XXXX is the escrow company responsible for disbursing the funds. However, {$200000.00} has still not arrived, despite 11 days having passed since the signing of the closing package. The delay is due to my friend 's bank, XXXX  XXXX XXXX ( XXXX ), placing a hold on the check, which XXXX take XXXX business days or longer to release. We were unaware that XXXX would hold the check, and it seems the title company was also unaware of this potential issue. I had repeatedly requested a wire transfer, but due to communication issues, the title company ultimately mailed a check. 

Dates and Actions Taken : XX/XX/year> ( Thursday ) : XXXX completed ; requested wire transfer from the title company. 
XX/XX/year> ( Tuesday ) : Received a check instead of the promised wire transfer. 
XX/XX/year> ( Wednesday ) : Check deposited at XXXX XXXX XXXX ; informed of a hold on the funds. 
XX/XX/year> ( Friday ) : Contacted the title company and XXXX XXXX XXXX for clarification; was informed the hold could take XXXX business days or longer. 
Additional Information : I had informed the title company that my friend was traveling internationally and would not be able to receive the check. Despite this, they agreed to wire the funds but still mailed a check. The check was supposed to be sent out on Friday and received on Saturday, but it was not sent until XXXX PM on Friday, missing XXXX 's pickup. It was then sent on Monday and received on Tuesday. 

Impact : This delay has caused significant financial inconvenience, as the funds are stuck and I am incurring double interest payments on both the mortgage and the loan with the original lender. XXXX has informed me that the funds will be released on XX/XX/year>, if no further information is needed, but I am uncertain if this will occur on time.
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

Can back verified without any proof of there investigation This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of inaccurate invalidated credit information. Most be deleted from your credit report.From all three credit bureaus.
Consumer complaint received 2023-04-13
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. (AL)

Credit reporting agencies XXXX, and experian use the same practice .... When I dispute a negative item that has been on my report 7 plus years, they give the account a new date opened date, I don't think that is fair at all, when they give the account a new date account opened date, that allows the negative account to remain on your report... I thought once an account has been on your report 7 plus years it's suppose to fall off your report, I have positive accounts that have reached the 7 year mark and they have fallen off my report, I truly feel the reporting agencies are in cahoots with the banks, finance companies, ect... .they make it hard intentionally for you to clean up your report, because if everybody had good credit the banks wouldn't make any money, and they wouldn't be able to charge out of this world interest rates .... I think the credit reporting agencies have too much power over your finances and life, I would love to see the credit reporting agencies STRIPPED of some of the power they have over people lives .... And I would love to see the practice of giving disputed items new dates the account was opened, totally unfair practice ....
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with 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 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  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 2024-07-26
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)

Upon checking my credit report on Equifax agency I noticed an account reporting accurately such as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX. Inaccuracy : late payment on XXXX 2022 XXXX days late This is a violation of the CFPB section 15usc 611 credit reporting agencies have the responsibility to furnish complete accurate information please investigate and update late payment on XX/XX/year> to current or delete inaccurate information from my credit report as I know it was paid on time I will attach XXXX credit card statements from the account name above as proof this payment was made on time dates XXXX please send my a updated credit report to my address within 15 days thank you!
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I closed my check account on XX/XX/2023, US bank said they will send me a check # XXXX with {$3100.00} ( balance ) in 7-10 days. 
I did not receive the check. 
I need call them 10 times and waited 30 minutes per calling, agents did not know how to deal with. Then they asked me to do notary public to state of loss the check. 
In fact I did not receive it at all. US bank checked online and did cancel the check on XX/XX/2023. 
After I sent them notary public XX/XX/2023. They did not send me the check. 
I called again and again, they said we will send. 
However I did not get it at all as today, Note : I did not remember my XXXX XXXX XXXX is the check of US bank that said to be sent to me, but I did not get. 
They can find it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am dispute inaccuracies in my credit report and to address potential violations of the Fair Credit Reporting Act ( FCRA ) concerning the reporting and verification of a bankruptcy ( Reference Number : XXXX ) that was allegedly discharged under XXXX XXXX 

Failure to Verify Information with the Original Creditor : It has come to my attention that Equifax has reported the above-referenced bankruptcy without verifying its accuracy with the original creditor. This constitutes a violation of the FCRA, specifically : b. FCRA Section 609 ( a ) ( 1 ) ( B ) : This provision requires the disclosure of sources of information, which in this case, would include verification with the original creditor. The failure to verify the disputed information with the original creditor violates this requirement.
Consumer complaint received 2023-04-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (AZ)

This debt is over 20 years old. Have not herd anything about this until I get letter on XX/XX/XXXX titled notification of lawsuits and civil complaint. Statute of limitations where I live is 6 years in Iowa where the loan would have been taken out is 5 years. I called this company XXXX XXXX XXXX at on XX/XX/XXXX after I received the letter. XXXXXXXX XXXX XXXX talked to some male that would only give his name as XXXX XXXX. Once I told him it was out side the statute of limitations he went on to say they will have charges brought up for malicious intent to commit fraud. At that point I ended the call.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-26
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)

I reviewed my consumer reports and noticed that I had one late payment on an XXXX XXXX XXXX XXXXXXXX that I was late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in on dates of ( XX/XX/year> ). Please investigate and provide proof with statements showing that these payments showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please look at screenshot attached.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

My account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 days 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. 


XXXXXXXX XXXX XXXX XXXX XXXX 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 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 8
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-26
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)

I am writing to formally dispute the account listed below, which still appears on my credit report despite a previous investigation. I request an immediate re-investigation of this item, as the inaccuracies are significantly harming my credit score. 

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 In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection 6 ( B ) ( iii ), please provide the names, business addresses, and telephone numbers of each furnisher of information that was contacted in connection with your verification of this account. 
Additionally, please send me an updated copy of my credit report after your re-investigation. 
Thank you for your prompt attention to this matter.