davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (TN)

My account with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-03
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. (LA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MO)

In XX/XX/XXXX the FDIC gave power of attorney through XX/XX/XXXX. I have three years that I continue to dispute this debt. I want the CFPB to follow up that this is addressed immediately. 
I dont want a letter I want them to return the money I DID NOT OWE that was taken from the proceeds of my sale Of my HOUSE. I PAID the {$250000.00} to XXXX XXXX, XXXX and Citibank. XXXX XXXX foreclosed on my property for a {$53000.00} balance I paid to XXXX and Citibank paid off a XXXX XXXX loan released in XXXX! {$20000.00} was included in the XXXX XXXX loan. Plus I DID NOT OWE {$33000.00} for the sellers loan I paid off in XXXX. I DO NOT OWE {$21000.00} interest the seller paid before I assumed the loan in XXXX the fraudulent {$67000.00} interest only loan fails to count only {$62000.00} was due and no interest was due after I made a final payment of {$1600.00} 15 months prior to the final 360 months of the loan. MY HOUSE XXXX XXXX XXXX submitted and collected a {$250000.00} payoff from the sale of my house. This was subject to verification. I received only the {$83000.00} I had OVERPAID to my escrow account. ( RESPA VIOLATION ). -it was MY MONEY- at closing I was forced to take the remaining of {$200000.00} cash I needed to close from my XXXX XXXX XXXX XXXXXXXX I left my closing twice and ultimately signed with threat of lawsuits from everyone involved in the sale. FINANCIAL INJURY. When I turned XXXX I would have used my retirement account to set up an annuity I would have had the rest of my life. Instead I have credit card debt I pay from {$900.00} social security. We also have used income to pay back a {$75000.00} mortgage we had to take out against the house without the {$200000.00} we should have in checking account from the proceeds. And all the payments we WOULDNT owe if we had gotten our proceeds.Wwithout money we have made only the essential improvements on the fixer upper we bought money from the mortgage we had to take out to do so. 
- we took {$200000.00} to closing. - we left with {$0.00}. We did not owe {$250000.00} collected at closing. - we paid back {$78000.00} from {$82000.00} line of credit twice. The debt was included in the loan. The interest only was also included in the loan. The country wide first mortgage was paid back but released twice according to tax records. The first XXXX XXXX was also paid back for the original first mortgage from XXXX. 
The second mortgage was released and paid off by a Citibank loan I paid off in the XXXX XXXX loan. Unsecured debt included in bankruptcy included {$44000.00} paid off by the line of credit and the XXXX loan I paid off in XXXX. I believe it also includes {$20000.00} included in the XXXX XXXX loan on my duplex that was included in the foreclosure. the foreclosure balance does NOT include payments made to the XXXXXXXX XXXX included in the XXXX payoff.to which neither were EVER entitled.
Consumer complaint received 2019-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC. (TX)

My payments are {$180.00} on the XX/XX/XXXX every month this company wont work with me and they want to take a amount of {$370.00} the payment plan was supposed to be {$47.00} they keep changing things I just want to be done
Consumer complaint received 2024-07-26
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. (IL)

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 2024-07-16
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. (TX)

My account with XXXX XXXXXXXX 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 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 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 2024-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC (MI)

I have been approached by Phoenix Financial Services ( XXXX XXXX XXXX XXXX XXXX, XXXX, IN ) who has been directed by Court Order to STOP practicing of Collecting on old Medical Debt and has been REPORTED on your Official CFPB Website ( XX/XX/year> ). I was just about to purchase a HOUSE and recieve FUNDING for my upcoming Buisness but was REJECTED due to COLLECTION by a CONVICTED Collection Agency which dropped my Credit Score XXXX. Now we will have to live in our RV trailer in another Michigan winter. How are they NOT on a LIST via XXXX, FICO, XXXX, and more?
Consumer complaint received 2023-09-19
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: EQUIFAX, 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 Account # XXXX, has violated my rights. 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. XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Consumer complaint received 2024-08-13
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. (IL)

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX, Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX agency XXXX XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

Hello! I just wanted to send this recent experience that I have had with Wells Fargo and their fraud protection. Let me start that I have been a Wells Fargo customer since XXXX  and they have been my main bank. 

Recently I was in XXXX XXXX on vacation and my phone was stolen and so was my debit card. The criminals were very competent and quick acting. Within hours, as I was trying to find my phone, a team of people had used my debit card, hacked my phone and stolen all my money. They turned off my password on my XXXX, deactivated my " XXXX XXXX XXXX  '' app, deactivated XXXX XXXX XXXX, pulled money out ATMs around the city and drained my savings account. They also downloaded the " XXXX XXXX '' and transferred money. The transactions were thousands of dollars at a XXXX in XXXX XXXX, where I never was and spent thousands more dollars at the XXXX XXXX. I have never shopped at the XXXX XXXX  in my life. I have all the emails and notifications saved and was prepared to share this all with Wells Fargo in order to get my {$10000.00} which was stolen from me. 

So with all that being said, one would think that Wells Fargo would have my back and do the right thing. Not only should they have, it's nothing compared to the profits Wells Fargo makes each year. {$10000.00} is nothing to them. 

After many calls and emails over the next couple months and opening up new back accounts, I have nothing to show for it. I was told so many times that someone from Wells Fargo would get back to me and they never did. Each time that I spoke to someone, I had to re-explain the situation. This was also the fraud department. After all this time, I had one last phone call with the Wells Fargo fraud department. They admitted that what I experienced was fraud, they knew I didn't purchase these items in XXXX XXXX nor did I take money out of random ATMs around the city of XXXX XXXX. They told my that there was nothing they could do. They verbally admitted to me that it was 100 % fraud but they weren't obligated to give me any money back. 

Now that I have had time to calm myself down as all my savings account had been drained by theft, I finally had time to reflect. This was money for hours repairs and vacation money that I had been saving for years. 

Thank you! Again, I have all the emails saved to prove that it was fraud and theft.
Consumer complaint received 2024-06-24
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-23
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)

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Yes, it was brought to my attention that my car loan agency decided to contact my ex husband. Which was not put on the loan as a contact at all! Resulting in him using this against me in court. I was only behind two weeks in payment. In my custody hearing with my kids this has caused me excessive amount of damage when it comes down to the custody hearing with my children. With them not having any written consent to consult anything of the sort about my loan with anybody other than the third parties that I listed on my loan, which I know for a fact he was not listed on my loan as a contact. This has costed me more than what's owed on the car payment in attorney bills alone. Just them contacting him through whatever third party method that they found his phone number on and it would be the third time that they have done this.
Consumer complaint received 2024-06-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

XX/XX/XXXX Sallie Mae was contacted in efforts to qualify for fixed rate repayment. Borrower and co-signer were both told there are no options and the only way to receive help was to default on loan. 
XX/XX/XXXX XXXX to this date, Sallie Mae was contacted multiple times in effort to remove co-signer and was told they could not be removed until loan was paid off. In this date borrower entered forbearance due to job loss during Covid. 

XX/XX/XXXX Sallie Mae was contacted for repayment assistance options, at this time representative stated co-signer could be removed from loan after consistent 12 month payments, this further proves previous Sallie Mae agent blatantly lied about co signer removal process. Outside of co-signer relayed information, no other options offered. 

XX/XX/XXXX I received an harassing amount ( 3-4 a day ) of emails about a past due payment, despite it being 2-3 days late but within time-limit before default. I spoke with XXXX representatives but was mislead that I could be provided a list of repayment options I may qualify for based on three questions. Instead I was transferred multiple times, asked invasive questions without prior knowledge just be told I need my cosigner to answer same and questions and a credit check before I could be told anything. Unfortunately, this isnt the first time XXXX or my co-signer have been misled when asking for help from lender. Despite financial changes, they provide no actual assistance to adapt with repayment. They continue to send harassing amounts of emails and phone calls despite their knowledge of their consumers struggling with outrageous loan rates and non existent repayment assistance.
Consumer complaint received 2023-04-20
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. (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. Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

I bought this car financed to this day with the XXXX dealership of XXXX XXXX, which since I made the purchase resulted in mechanical problems, I made my purchase in XX/XX/year>, at the time I made the purchase I used a person from that same dealership as a translator because my XXXX is not good, Spanish is my first language, so this person named XXXX, that's what they call him at the dealership, told me that there was no problem with the vehicle and made me sign some sheets where I gave awareness of what he had told me about the car, now this is my case. A few days ago I tried to exchange my car for a new one and I found out that this car has been related to an accident and that it has structural damage to the car. right side and it is not safe, this is how the person I tried to make the exchange with let me know, as the first buyer of a car from a dealer I feel that they lied to me just for making the sale of that car, also since the year 2021 until this current year, I have had to take it to be repaired more than XXXX  times due to different mechanical failures. Today I have taken it to be checked XXXX times for a failure that they have not been able to fix, now I am looking for help to be able to recover my investment now. the car seems to me to be a lemon car