davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my profound frustration and dissatisfaction with the handling of the numerous attempts to remove incorrect balances on charge off accounts. It is imperative to address this matter promptly and comprehensively to uphold the integrity and accuracy of financial records. 

Despite repeated attempts to rectify the issue of incorrect balances on charge off accounts, I am deeply troubled by the persistence of this problem. The inaccurate reporting not only tarnishes the integrity of financial records but also has significant consequences for affected individuals, including potential financial hardships and damage to credit scores. 

Therefore, I urge you to conduct a thorough review of the processes and procedures involved in rectifying the incorrect balances on charge off accounts. It is imperative to identify the root causes of these discrepancies and implement corrective measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00} ; XXXX XXXX XXXX Balance Owed : {$6800.00}.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
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)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

My student loans were paid off/down from about {$43000.00} to {$1200.00} XXXX of XXXX. I have a letter stating the new balance and that one of my loans was paid in full. I have contact Nelnet multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo is accusing me of XXXX. My aunt gave me checks to deposit and they say her signature is XXXX Shes been writing me checks for years. My aunt is a customer for well over 50 years. She spoke to her personal banker and told her theyre legitimate checks. Bank lied to me and said XXXXXXXX was not mentioned. I have the banks letter using that very word. The funds are to assist me to assist my aunt. Theyre defaming me and causing distress to her and me. Theyre causing extreme hardship at best.
Consumer complaint received 2024-04-23
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. (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. XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # 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.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

I paid off an XXXX XXXX XXXX debt with Sequium Asset Solutions in 2022 and I have a letter stating such. 
The account was settled in full for less than the original amount. 
The bad debt has been sold twice to other collection companies. This is unfair. 
XXXX XXXX XXXX is trying to collect something that was already settled in full.
Consumer complaint received 2023-03-13
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: HYUNDAI CAPITAL AMERICA (FL)

In accordance with the fair credit Reporting act XXXX XXXX # 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 an 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 purpose.
Consumer complaint received 2024-04-23
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. (CA)

I am writing to dispute the validity of two accounts listed on my credit report that I believe to be errors due to unverifiable information and potential identity theft. These accounts are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts do not correspond to any addresses associated with my personal profile, nor do they reflect any transactional activity that I can verify as my own. 

According to the FCRA Section 1681i, any information that can not be verified or is incomplete must be removed from a consumers credit report. The inclusion of these accounts without any associated addresses strongly suggests that the account details are unverifiable. Furthermore, the presence of these accounts might indicate potential identity theft, as I have no knowledge of these accounts being opened under my name, and they do not relate to any of my known financial activities. Under the FCRA, I am entitled to dispute fraudulent entries to protect my credit rating from unwarranted damages. 

Attached to this letter are snapshots of my credit report showing these specific accounts having no association to any address on my credit report. I hereby request the removal of these accounts from my credit report.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

On three separate occasions I used the pay anyone feature at Chine Bank. You use the person 's phone number to send them funds and they can access the money even with no Chime account. I entered my XXXX XXXX XXXX phone number correctly ( verified on XX/XX/24 by Chime ) but apparently they have an account already associated with her phone number and told us she already had an account and I couldn't get the money returned bc it had been claimed. There's no way it was her as she was XXXX at the time and could not even open the account. The account has to be fraudulent and even has her first name attached. The error is clearly there's bc she has had this phone number for XXXX years. I was on the phone for over an hour trying to rectify this bc I did nothing wrong. I attempted to send my daughter cash on three occasions to her own phone and they gave it to someone else. They it in a dispute and less than XXXX hours later denied the claims.
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX confirmed in writing that they would not charge the early termination as they initially billed as this was not part of the contract that was signed. This bill was never cleared on their end and it was sold to a collection agency. I had assumed this matter was resolved per my last payment and communication with XXXX XXXX Apartments until I suddenly received a notification on my credit that a collection was opened. XXXX XXXX XXXX refuses to help me with the matter regardless of the communication trail and the collection agency National Credit System is not responsive to my communication and supported documentation also sent to them.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC (PA)

On XX/XX/2024 I made a payment to Rocket Mortgage, over the phone with a live representative. Unbeknownst to me the representative used the wrong checking number to process the payment. My husband and I only have one checking account number. I called Rocket Mortgage on XX/XX/2024 to see if the payment went through, XXXX they reassured me that the payment would go through. I called my bank on XXXX XXXX, XXXX, they said get the ach trace number from Rocket Mortgage. I called Rocket Mortgage and they could not supply me with that number. Then Rocket Mortgage realized they used the wrong checking number. We do not want to get a late payment because of this.
Consumer complaint received 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have continuously been submitting letters to both creditors and all XXXX bureaus over 5 times in a matter of over 120 days and nothing has been resolved. XXXX has gone against my consumer rights reporting information that was never given my written consent and I demand every late payment on my report be deleted before I file a law suit.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to Equifax, XXXX XXXX XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to Equifax, XXXX XXXX XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Revenue Corporation (TX)

I would like to say that this will be my first and only notice to United Revenue. My credit report shows that your company allege that I have a debt due to you and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due you are claiming, and your bill does not include a detailed breakdown of any fees. It should also be noted that I am on a payment plan with the original creditor. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XX/XX/1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me, but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I've contacted Wells Fargo multiple times via phone and written letter. 
Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

Please refer to CFPB Case # XXXX In short : BMO bought Bank of the West and XXXX screwed up the website when they took over in XXXX. I was trying to compile my XXXX tax info, but when I downloaded XXXX statement files, they were actually random statements from XXXX, not XXXX. I then tried to access the site again while traveling, but was blocked because BMO would not send me a code via email, as Bank of the West had always done. Thus I could not submit my tax info on time to my accountant, who charged me {$600.00} late fee, due to BMO 's incompetence and neglect of its customers.

In my previous complaint, I noted that my CPA would likely charge a late penalty, and I finally received ( and paid ) the invoice, which includes the late penalty. I attach the CPA 's invoice.

I request BMO reimburse me for the {$600.00} late fee.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

I noticed a collection on my credit report from Enhanced Recovery Services in the amount of {$200.00}. I have disputed this charge many times with many companies and it has always been found to be illegitimate. It seems to just keep getting bounced from one collection to another when they realize it is not mine. I believe ERC tried to collect it in the past. I have a letter from XXXX XXXX  saying that the debt is illegitimate.
Consumer complaint received 2024-04-23
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. (NJ)

The removal of the inquiries below they are fraudulent and do not belong on my credit reports 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
Consumer complaint received 2023-04-18
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. (MI)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-04-15
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. (AR)

Again, this is XXXX XXXX and I am submitting this CFPB complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2023-11-01
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. (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 U.S.C 1681. 
Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-24
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. (TX)

In accordance with the Fair Credit Reporting act Convergont Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Consumer complaint received 2023-11-01
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (GA)

I ask XXXX and Equifax for a copy of my XXXX Form for all debts that was charge-off on my credit report. I was informed by the IRS, if a creditor has written off your debt, you may receive the XXXX form. You must claim this amount as income on your taxes because I never given these companies permission to have these accounts furnished on my credit report. The companies can no longer try to retrieve that debt, its violation!! The companies can not charge off the debt and try retrieve the debt or sell the debt. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or have provided to the consumer a notice that complies with section 6803 of this title. Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never receive anything that I requested from XXXX and Equifax. 
XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX All these accounts is CHARGE-OFF with a balance and that is a violation, plus never got my permission. I demand to see verified proof ( original consumer contract with my signature on it ) They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verified proof, you must remove the account listed above. I demand that the following accounts be verified or removed immediately.