davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX XX/XX/2023
Consumer complaint received 2023-07-06
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my extreme frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my extreme frustration and disappointment regarding the handling of the 15th attempt to remove fraudulent items. The persistence of these fraudulent items, despite repeated attempts to address the issue, is unacceptable and demands immediate and decisive action. Despite countless assurances and previous attempts, the fraudulent items remain unresolved. This ongoing failure not only undermines the credibility of the process but also raises serious doubts about the competency and commitment of those responsible for rectifying these issues. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. With this, I am asking for your assistance to remove fraudulent items : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never 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 this account. I have included a screenshot inside this complaint in on dates of XX/XX/2024, XX/XX/2024. Please investigate and provide proof with statements 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 see screenshot attached :
Consumer complaint received 2024-05-18
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : {$130000.00}
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Consumer complaint received 2024-07-11
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my Equifax, XXXX, and XXXX Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately. 


Thanks so much! 

XXXX XXXX
Consumer complaint received 2024-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : {$130000.00}
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Since XX/XX/2023, I have been trying to get my mortgage loan recast. Every time I follow instructions and submit the request, it is not responded to in the timeframe provided by XXXX. I follow-up with customer service and am given various reasons why my loan can't be recast ( e.g., it must be a certain number of days after loan settlement -- though that number changes with each request ). I then resubmit using the timeframe provided, my request is ignored, and I start the process over again. My latest recast request was emailed, following AmerHome instructions, on XX/XX/2023. I was told AmeriHome would respond in 7 - 10 days. They did not, so I followed up with a message via the AmeriHome portal on XX/XX/XXXX. That message was not responded to. On XX/XX/XXXX, I messaged using their online chat but was told I could only ask my question to the loan modification department since that's the department that handles recast requests. The problem is that consumers are not permitted to speak to this department -- I've already tried this on numerous occasions. AmeriHome will set up an appointment with someone from that department ( they say someone will call you within a 3-hour window ) but they don't. So AmeriHome has created a fake system. Yes, you can submit a recast request. But your request will be ignored and then when you follow-up, you're told to resubmit, and then that request will be ignored, and then you're told the only way to resolve your situation is to contact the department that's doing the ignoring.
Consumer complaint received 2024-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed a hard inquiry on my credit report at XXXX from XXXX XXXX XXXX ) on XX/XX/2024, I called them the next morning to let them know it was unauthorized and I never applied for a credit card through them. They took my information and said they would start an investigation here we are in XXXX no investigation was ever done and hard inquiry is still on my report.
Consumer complaint received 2024-05-18
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)

The following is a copy of a letter that I have sent to Equifax via Certified mail. 



XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX ) XXXXXXXX XXXX XXXX  XXXX # : XXXX Unverified Account XXXX ) XXXX XXXXXXXX XXXX 
XXXX # : XXXX Unverified Account * Please remove all non account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
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. (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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OK)

MY CASH APP CARD GOT STOLEN ALONG WITH MY WALLET LICENSE AND CREDIT AND DEBIT CARDS THERE WAS TWO UNAUTHORIZED CHARGES ONE AT XXXX XXXX FOR XXXX ALONG WITH ANOTHER ONE AT A DIFFERENT LOCATION FOR XXXX APPARENTLY THE ONE AT XXXX XXXX THEY SAID A PIN WAS USED BUT THE OTHER PURCHASE DID HAVE A PIN USED THEY TOLD ME TO CONTACT THE MERCHANTS I DID FOLLOWING ME FILLING THE DISPUTES XXXX XXXX BASICALLY TOLD ME TO BAD TO SAD CONTACT CASH APP I EXPLAINED I HAD JUST GOTTEN OFF THE PHONE WITH CASH APP FAST FORWARD TO YESTERDAY THEY DENIED MY DISPUT AND SAID IT WAS ME MAKING THE PURCHASE OR SOMEONE I MUST KNOW ARE YOU KIDDING ME THIS COMPANY IS RIDICULOUS I FILED A POLICE REPORT I WANT AN APOLOGY AND MY MONEY RETURNED AND COMPENSATED FOR THEM MAKING ME FEEL LIKE I AM A CRIMINAL THEY HAVE NO COMPASSION FOR ANYTHING BUT THEM
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (IL)

On XX/XX/XXXX, I initiated a transfer to WISE for {$250.00} XXXX XXXX XXXXXXXX ) transaction number # XXXX. WISE took my money on XX/XX/XXXX as seen in my bank statement. My father who is in the XXXX has communicated with the recipient ( XXXX XXXX XXXX ) since XX/XX/XXXX. They have multiple conversation with the recipient and the recipient has mentioned they did not received the money. They communicated with the bank and provided us that information. On XX/XX/XXXX, I requested a complaint to WISE and WISE provided me with case ID XXXX. WISE have not provided any satisfactory answer. They have requested for the bank statement of the recipient and I told them we needed a formal notarized letter from WISE requesting the bank statement so that the recipient will provide us the bank statement. My family has went to the recipient multiple times asking for help and the recipient could not do anything but tell them they have not received the money. My brother was pulled out of XXXX  multiple times because they were questioning his XXXX  payment. 

I had made several other transactions on XX/XX/XXXX and after that date. All recipients have received the payment. One of them was also a different XXXX  in the XXXX. 

Furthermore, I sent a payment to the same recipient on XX/XX/XXXX for {$160.00} ( XXXX  XXXX ) without knowing that there was ongoing issue with the initial payment made in XX/XX/XXXX. The recipient ( XXXX XXXX XXXX ) has received the money and provided me a receipt.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (NJ)

I'm unaware of this debt, I didn't have an opportunity to dispute this debt. I didn't receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating I received it.
Consumer complaint received 2024-08-17
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: General Motors Financial Company, Inc. (GA)

The following accounts should be deleted due to their violation of these provisions : - XXXX XXXX ( Miscellaneous Automotive ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX I request that these accounts be promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-05-18
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. (NY)

I reviewed my consumer reports and noticed that XXXXXXXX XXXX ACCOUNT # XXXX i had a late payment on an account that i was never 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 in the screenshot inside this complaint in on the date of XXXX.Please investigate and provide proof with a statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :
Consumer complaint received 2024-05-18
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 deeply concerned by the lack of responsibility shown in addressing the inaccuracies on my account. When will XXXX correct the erroneous information on these accounts which are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please cease any delaying tactics and rectify the accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).
Consumer complaint received 2024-06-18
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. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX date of birth is XX/XX/XXXX & i frequently have to write reports to cfpb regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific thing & i am asking if it can be removed from my credit report. During the time of XXXX, i was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved i believe that there may have been a mix up in payment being marked as late. I have always been on time with payments & i seem to have a problem with Wells Fargo frequently for the past year. Both my case workers XXXX & XXXX are great & have helped me tremendously. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. If possible i would love for XXXX to be assigned to this case & if not XXXX then XXXX. Again, i am asking for the late payment to please be removed from my credit report. Thank you.