davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Delete this account.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capstone Credit & Collection, LLC. (FL)

In XXXX of XXXX, I checked my credit report on XXXX and XXXX XXXX and noticed a debt of {$2100.00} listed from Capstone Credit & Collections LLC for XXXX XXXX XXXX XXXXXXXX XXXX. I disputed this debt through a letter dated XXXX XXXX requesting Capstone to remove the remark indicating I no longer disputed the debt and to notify the credit reporting agencies. XXXX received my letter on XX/XX/year> at XXXX, via certified postal mail XXXX but they failed to remove the remark or inform the credit agencies as requested. 

Despite my clear instructions, Capstone Credit & Collections LLC did not take any action to update my credit report or notify the credit reporting agencies that I no longer disputed the debt. This inaction has negatively impacted my credit score and caused me significant emotional distress, including feelings of humiliation and mental anguish.

Capstone Credit & Collections LLC violated the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 15 U.S.C 1692e ( 8 ), by not informing the credit agencies that the debt was no longer in dispute. Because of this violation, I am seeking compensation for the damages and costs I have incurred as a result of their failure to act appropriately.

I am willing to pursue all legal remedies available to me, up to and including litigation, to hold Capstone Credit & Collections LLC accountable for these violations and to ensure they are required to compensate me for the harm caused to my credit standing and personal well-being. I am committed to seeking a fair resolution to correct these issues and prevent further damage.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2018-04-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

I had to leave my job inXX/XX/XXXX due to XXXX XXXX XXXX   requiring XXXX. I had to take early retirement due to the cost of a XXXX XXXX. I was then and am now on a fixed income. I contacted Toyota Financial Services prior to the due date of XX/XX/XXXX requesting an extension due to the timing of the start of retirement benefits. My extension was granted and they sent me a confirmation letter dated XX/XX/XXXX, Account # XXXX. That letter confirmed the new next due date would be XX/XX/XXXX. On or about XX/XX/XXXX I saw where Toyota was going to take the {$600.00} for the XX/XX/XXXX payment through automatic withdrawal from my checking account. I immediately called their Customer Service and was told that I needed to cancel the automatic online and I did. I was further instructed to go to my Bank and issue a stop payment on the withdrawal which I did. Apparently, the stop payment somehow changed the next due date from XX/XX/XXXX to XX/XX/XXXX. The Customer Service Agent that instructed me to stop payment did not inform me that it would change the terms of our agreement specified in the XX/XX/XXXX letter. Still struggling financially in XX/XX/XXXX, again due to the retirement benefit from SS being delayed an entire month and Toyota 's insistence I was late on my payment contrary to the agreement in theXX/XX/XXXX letter, I contacted them again.

The Customer Service agent this time looked at theXX/XX/XXXX letter and told me I was correct and it would be fixed including a change to my due date from the XXXX of the month to the XXXX of the month to allow my retirement check to be received and payment made on time. It never happened. I contacted their Customer Service again.

This time the Agent told me because of the stop payment, instructed by them in XX/XX/XXXX, the payment I made in accordance with the XX/XX/XXXX in XX/XX/XXXX was credited to XX/XX/XXXX making me a month late. Another extension was granted that I thought was suppose to straighten it all out and show me current. I will make another payment today, XX/XX/XXXX for {$600.00}. I can do no more. However, they are assessing late fees each month that I feel is unfair and not right.

I contacted them, once again when I made the XX/XX/XXXX payment on time and asked again that they fix it by 30 days so I could begin restoring my lifelong good credit. They denied my request in a letter ofXX/XX/XXXX. I am frustrated and will not allow them to assess late payment for the term of the loan which goes on for a while. I will simply give them back the car. I am on a fixed income and have no way at this time to double payment.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Number:XXXX Account Name : XXXXXXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my TRUIST - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (CA)

My primary residence was a total loss as a result of the XXXX XXXX  of XXXX. Its been nearly 4 years since the house burned down and I am only now ready to proceed with the rebuild. Due to many delays that were out of my control. Wells Fargo has extended forbearance and deferments of my mortgage payments during this process, however they failed to properly disclose to me that those arrearages would be due and payable in full prior to me rebuilding otherwise they would foreclose, which is what they are now doing. 
They could not produce one document that states would be the case let alone one that I had signed/acknowledged. This action that they are taking is predatory. 
They have all of my insurance proceeds In an escrow acct which they are owners on as well, they will be forfeited once they foreclose as I understand. 
PLEASE help me. I lost everything but now have a wife and a XXXX  that I would like to be able to proof home for. I will never be able to own a home in my community if Wells Fargo takes this from us.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-11
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: CL Holdings LLC (PA)

XXXX XXXXXXXX XXXX  sent my account to Jefferson Capital Systems XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX Jefferson Capital said they Resent the collections back to XXXX XXXXXXXX XXXX  on XX/XX/XXXX. 

Also call XXXX XXXX XXXX in regards to the issue back in XXXX that this all sudden came about to the debt first premier bank said is {$1300.00} after XXXX  years. 

No Notice from XXXX XXXX XXXX in all these years.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In Accordance with the fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 604 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I have been a customer of Wells Fargo 14+ years and I notice that I was being charged an extra atm fee when I'm not using an atm that's affiliated with Wells Fargo , I addressed them with this issue and was told that they will refund me the full amount which happened to be in the XXXX dollars or so, this was around XXXX or XXXX, and ive been a customer well over ten years at that time. My app won't allow me to see that far back. I was only aware of this due to an app called XXXX and that helped me address the bank about this issue.
Consumer complaint received 2024-06-11
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: Westlake Services, LLC (NV)

I Disputed debt directly with creditor, only XXXX was removed and updated XXXX and XXXX inaccurate data still remains on my credit report. I have been denied credit due to error.
Consumer complaint received 2021-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are accounts on my credit report I do not recognize. I have mailed Transunion the proper documentation including my ID, Socia Security Card, Police report on the accounts below. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX I talked with transunion and they have received the documents. According to the FCRA 605b these items must be removed from my credit report within 4 days of receiving my documentation. Transunion is upsetting me because misleading and inaccurate information is still reporting. I am demanding they remove the accounts from my profile within 4 days and the remain in compliance to the FCRA 605b. Thank you
Consumer complaint received 2024-08-11
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. (WA)

The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent XXXX {$430.00}, XXXX {$430.00} and Equifax shows {$300.00} Date opened shows inconsistencies XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX and Equifax shows XXXX Banks XXXX XXXX XXXX says XXXX- Cancelled by credit grantor/, XXXX XXXX has been closed due to inactivity and Equifax shows Closed or paid account/XXXX  balance/account is closed by credit grantor all show signs of inconsistencies Last payments show that XXXX and XXXX has a last payment day of XX/XX/XXXX while Equifax shows a last payment as of XX/XX/XXXX XXXX XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
XXXX : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
Equifax : Reports a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from XXXX and XXXX
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, 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.

The letters are stated with items and issues.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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 2024-08-10
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advanced Recovery Systems, Inc. (PA) (PA)

- Received a collection notice from Advanced Recovery Systems ( ARS ) on XX/XX/year>. 
- Contacted by phone on XX/XX/year>. Agent did not identify herself as a debt collector. 
- Received another letter from ARS on XX/XX/year>, stating proof of debt owed. A blank signature form was attached as evidence. 
- My brother was contacted by phone on XX/XX/year>. Again, the agent did not identify herself as a debt collector. 
- On XX/XX/year>, I sent a letter to ARS by certified mail requesting that they cease contact with myself and family members. 
- On XX/XX/year>, received a letter from ARS stating that they had not heard from me and that they will act accordingly.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I was assessed a {$37.00} late fee when the company posted my payment the Monday after the due date ; however, the payment was mailed in plenty of time to be posted before the due date. This isnt the first time this has happened. 

I sent them a message through their portal and they acknowledged receipt, but never resolved the issue. 

I have attached proof to this complaint.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Sigue Corp. (NY)

I BOUGTH A MONEYORDEN ON XXXX, # XXXX. The company that I send the moneyorden returted because the funds on this moneyorden are froze. Also this situation caused me {$35.00} for late fess and {$35.00} for returned check. I feel that this company sigue robed me.