davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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. (MA)

I reviewed my consumer reports and noticed that i had late payments on a account when i was not late. From the date of my account being open which was XX/XX/XXXX the dates have been inaccurate on my consumer report. 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 was not late with payments for this account on XX/XX/XXXX XX/XX/XXXX and upon viewing my consumer report again there was inaccurate reporting on dates. Please investigate and provide proof with statements showing that these late payments were late and furthermore any repossessions and my consumer report having no inaccurate information to the best of their ability with maximum accuracy being reported. The following are inaccurate information on my consumer report ( LAST VERIFIED ) XXXX XX/XX/XXXX XXXX nothing reported XXXX- XXXX reported ( DATE LAST ACTIVITY ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX DATE REPORTED ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX DATE OPENED ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX BALANCE OWED ) XXXX {$XXXX XXXX XXXX XXXX XXXX} ( ACCOUNT RATING ) XXXX XXXX XXXX XXXX XXXX  ( ACCOUNT STATUS XXXX XXXX XXXX XXXX XXXX XXXX  Closed ( CREDITOR REMARKS ) XXXX XXXX XXXX XXXX Nothing Reported XXXX XXXX XXXX XXXX LAST PAYMENT ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX ( TERM LENGTH ) XXXX- 48 months XXXX 48 months XXXX  -nothing reported... If proof cant be provided i demand all payments be updated to paid as agreed on time as they should be due to the fact i wasnt late and there are inaccurate information on my consumers report. Thanks! please see screenshots attached
Consumer complaint received 2024-07-03
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. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXXXXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-03
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

I have absolutely no idea who this company is or why they are furnishing derogatory information on my Consumer reports. I am demanding Sequium Asset Solutions , LLC Cease and Desist any and all contact with me the Natural Man/Consumer unless it is in respond to my inquires or regarding monetary remedy for myself, this is considered defamation of my character and credit worthiness. I would also like Sequium Asset Solutions , LLC to provide me the information as follows : 1. Who is the ORIGINAL CREDITOR? 2. If this debt was purchased? What date was the credit file purchased from the ORIGINAL CREDITOR? 3. How much was this debt purchased for? 4. All Accounting Ledgers 5. Original Contract. Not a " redacted '' copy of the ORIGINAL CONTRACT 6. ANY and ALL information pertaining to this alleged debt. 7. I am demanding you Cease all efforts to collect this alleged debt until ALL discrepancies are RESOLVED in alignment with the LAW 8. ANY license you may have obtained that grants XXXX XXXX XXXX to collect ANY DEBT in the state of TEXAS.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (WI)

Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all 3 major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have two more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over 45 years. Lived in the same home 40 years and retired for 12 years a Deacon in my Church for many years and except for these fraudulent accounts I don't owe anyone.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

I am writing to share an unfortunate circumstance that has impacted my financial situation recently. As of XX/XX/year>, my bank account with Wells Fargo has been blocked, leaving me without access to my funds. 

The Wells Fargo representative informed me that their Compliance Department initiated the block due to a suspected match to a name on The Office of Foreign Assets Control ( " OFAC '' ) list. After conducting my own investigation, I used the the OFAC serach tool and found no match between my name and those listed on the OFAC. I believe this discrepancy to be a mistake on Wells Fargo 's part. 

Despite numerous attempts to rectify the situation, including multiple visits to their branch and extensive communication with their representatives, my account remains inaccessible. 

I've attached a copy of the letter from Wells Fargo confirming the blockage of my account for your reference. 

This unforeseen circumstance has directly prevented me from fulfilling my mortgage payment obligations. I just missed my mortgage payment due date plus I was hit by late payment and interest fees on my credit card payment. I am deeply concerned about this, as I value the financial reputation I have built and always strive to promptly meet my financial obligations. 

The financial stress and mental anguish caused by Wells Fargo 's actions have put me in a desperate position. I am concerned for my health and my livelihood. Given these exceptional circumstances, I have decided to reach out to the Consumer Financial Protection Bureau for support with this matter. 

I appreciate your understanding and assistance during this challenging time. If necessary, I am more than willing to discuss this matter further or provide additional documentation. 

Thank you very much for your time and consideration. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VA)

Dear Transworld Systems Inc. 


Section 15 USC 1692g ( a ) of the Fair Debt Collection Practices Act states that a debt collector must send within 5 days after initial communication with a consumer, validation of debt that contains a statement that unless a consumer disputes the validity of a debt or any portion then the debt will be assumed to be valid, must send the name of the creditor to whom the debt is owed, and the name of the original creditor if different from the current creditor. I am unaware of this debt I also need to State I never received this notice prior to this being placed on my consumer report. If you believe your company sent out this notice according to the fcra then please produce my signed signature return green receipt which came via certified mail from your company. If youre not able to produce this simple information that Im requesting to prove your company in fact sent this notice to me and follow the law you must delete this account off my credit report immediately from all credit reporting agencies such as XXXX XXXX and XXXX.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I am an existing credit card client with citi bank and opened a new checking account for my paycheck direct deposit and try to get the account bonus from them. After I successfully opened the account and I try to set up XXXX and it successfully set up. I received my paycheck in the citi bank checking account and try to send it out to myself in other bank to consolidate all the fund and then citi bank block my online access to the account. And I tried to call them to solve it and they said they can't see a checking account linking under my name and ask me to register a new user id for online banking and I did follow the instruction and register. After that, i successfully access the checking account with a new user id and successfully transfer the fund by using XXXX. And my second paycheck comes in this week and I try to do the same thing to send the fund by using XXXX and the access get block again and called again, they said they will close the checking account since the risk department said so. And it is under investigation and I XXXX receive a check within XXXX 

And I feel really disappointed with citi bank service that I can not move my fund and access my fund at this moment and expected me to wait for 60 days to access my own fund. And now I have no way to access the online banking or getting support from the bank at all.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2021-08-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TN)

I called this company about a year ago, when I noticed a collection on my credit report. The collection is not a collection of mine, it is fraud. 
I have asked the company to submit to me proof of contract, which they havent. Also, the supervisor told me in order to get the account removed from my credit that it would have to be paid in full, and that was the only way. The collection company was paid in full but was never deleted from my credit reports.
Consumer complaint received 2024-09-19
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. (PA)

I am writing to formally request the ability to opt out of the below accounts on my TransUnion consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 
Request : I am requesting that TransUnion, as a financial institution subject to these regulations, prove TransUnion provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent. 
Justification : 1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. TransUnion must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Spring Oaks Capital SPV , LLC # XXXX, for committing identity theft. I have never given Spring Oaks Capital SPV , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. XXXX legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until SPRING OAKS CAPITAL SPV , LLC XXXX can provide me with sufficient documentary evidence such as a trilateral contract, that I have any legal obligation to pay them .15 U.S.C . 1692e ( 12 ). The false representation or implication that accounts have been turned over to innocent purchasers for value. 

If this documentary can not be produced and Spring Oaks Capital XXXX XXXX # [ XXXX ] continues its collection efforts, I will file for ligation for actual damages caused and SPRING OAKS CAPITAL SPV , LLC XXXX will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C . 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice.

You are here by notified Pursuant UCC 1 - 202f. 
Your Prompt Attention and response are both requests and required. XXXX XXXX XXXX XXXX. # ( XXXX )
Consumer complaint received 2018-07-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Pacific Union Financial, LLC (AZ)

On XX/XX/XXXX Pacific Union Financial approved a short sale on Mr. and XXXX XXXX home located at : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

Our home has been foreclosed on aftera Short Sale had been approved prior to Foreclosure XXXX XX/XX/XXXX for short sale price agreed upon by Pacific Union innthe amount {$390.00}, XXXX. 

I have attached the Short Sale Agreed approved by our mortgage company Pacific Union Financial on XXXX/XXXX/XXXX and the Trustee Deed upon Sale. 

Paragraph from Pacific Union Financial Short Sale Agreement XX/XX/XXXX Pre-Foreclosure Sale / Short Sale / Compromise Sale Arms-Length Transaction Addendum Loan Number : XXXX As relates to a certain real estate purchase contract dated concerning the following mortgaged premises ; Property Address : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Under which the existing mortgagee ( s ) has agreed to accept less than full payoff of the debt owed inexchange for release of the mortgaged premises ( a pre-foreclosure sale, short sale, or compromise sale, referred to herein as pre-foreclosure sale ), each of the signatories hereto hereby certify and affirmunder penalty of perjury, that to the best of their knowledge and belief ; '' I am filing a compliant against Pacific Union Financial because the mortgage company never provided any correspondence other than the Short Sale Agreement and approval for our home to be short sold in the amount {$380.00}, XXXX. 

I have never received any correspondence that the short sale had being withdrawn nor denied by Pacific Union Financial. The Short Sale agreement was approval on XXXX, however the foreclosure sale occured after the short sale had been approved on XX/XX/XXXX for the short sale agreed price. I was never provided written notice from the realtor, the attorney nor pacific union prior to the  short sale.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I have called and attempted to arrange a payment plan with Discover. I asked for documentation to be provided as well. We initially setup a payment plan which failed and documentation from them was very little as I only received one letter. They did make it initially hard to setup a fair arrangement. They seemed very hesitant to send me any physical documentation and wanted correspondence over the phone only. I felt uncomfortable and asked for physical documentation. They did send one letter that did not include everything discussed on the phone and only about a week before our payment arrangement would start.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

For some reasons my loans were reported as having a late payment for the month of XXXX and that is incorrect because I have never not been in school and this was a mistake. They fixed the late payment on XXXX or XXXX of the loans but didnt correct the rest of them. Ive also consolidated all of my loans into XXXX so why are the old loans still showing anyways?
Consumer complaint received 2023-11-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D.S. Erickson & Associates, PLLC (WI)

The statute of limitations for Wisconsin is 6 years. This debt was from 2012 and was closed and taken off my credit report. Recently received court papers stating wage garnishment. Was not even notified by certified mail of a judgement against me. Nevertheless, the statute of limitations has expired.
Consumer complaint received 2024-07-03
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. (SC)

After numerous requests I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to This matter.

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED all DOCUMENTATION TO THE CONSUMER XXXX XXXX XXXX XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 

I have provided my signed self attestation, my drivers license, utility bill and letter which is whats required by law.