davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

that you are attempting to collect in accordance with 15 USC 1692b. I am referring to account XXXX XXXX XXXX. With a past due balance of {$650.00}. Please provide me with the following information : 1. The name and address of the original creditor 2. The original account number 3. The amount of the debt 4. Proof that you are authorized to collect this debt I also request that you cease all communication with me regarding this debt until you have provided me with the above information. Under the Fair Debt Collection Practices Act, you are required to provide me with this information within five days of receiving this letter.

Please note that I dispute the validity of this debt and I am requesting that you provide me with proof of the debt in question.

I am requesting that you investigate the disputed item and remove or correct any inaccurate information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (TN)

I am currently selling my home. I was informed 2 days prior to closing that the title company was unable to obtain a payoff letter from Mr. Cooper. When I contacted Mr. Cooper on XX/XX/2023 I was informed that there was a cyber security breach, their system was on lock down and would not be able to provide this information for closing. I was directed to provide the title company with the last statement, showing the interest bearing principal balance. I asked to speak with a supervisor who also said there was nothing that can be done. The supervisor was unable to provide an ETA on when they would be able to provide a pay off letter. 

I called again, later in the evening, and spoke with a different repersentive and mentioned to them pulling the information from there backups which is required by the FTC Sageguards Rules. She reiterated there was nothing that can be done due to their system being on lockdown. She would not transfer to any supervisor when requested or give further details other than to refer to their website for a statement. 

Due to this, myself and the buyers are now facing financial harm if the payoff letter can not be provided for closing. If the underwriters approve closing based of the last statement they will then hold all proceeds until we can obtain the payoff letter. 

The title company has called Mr. Cooper multiple times. However, they have not been able to obtain any information either. If I can proceed with closing, I have no way of knowing when the proceeds will transfer. If the underwriter does not approve the closing, the buyers have no where to move to and I am now contracted to lease another property, meaning I will be paying for a mortgage and a lease until Mr. Cooper can provide a payoff letter.
Consumer complaint received 2023-08-30
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-30
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: Open Dealer Exchange, LLC (TX)

I wanted to acquire Vehicle with low interest but unfortunately I Have Damages on my credit report. According to the 15 U.S.C 1681-Law their should not be any damages on my credit report its a deformation to my character.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

A male individual who presented himself as a Wells Fargo customer service employee called me from the Wells Fargo customer service number claiming there was a wire transfer and XXXX transfer attempting to be sent from my account to an individual that I did not know nor did I authorize either of the payments. 

The individual told me due to the nature of wire payments that they would be processed so I needed to send reversal wires in order to retrieve the funds back in my account. Individual walked me through setting those wires up on my phone and even asked security questions that a normal Wells Fargo employee has asked me in the past. Once the reversal wires were sent by me I got another call from Wells Fargo customer service representative a couple days later asking me if I sent the wires and I said yes because thats what I was instructed to do by who I thought was a Wells Fargo customer service employee. Thats when they told me a customer service rep wouldnt have advised sending a reversal wire and I knew I had been scammed. Filed multiple claims with Wells Fargo to retrieve the money back into my account but Wells Fargo said they cant do anything because the wires came from my phone/IP address on the account technically.
Consumer complaint received 2023-12-25
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called XXXX in XXXX regarding the updating of my consumer report. I notice that after doing a UCC-11 search there was no liens on me. The creditors furnishing information to XXXX should have registered and recorded any alleged debt reflecting a lien on my UCC-11 search if I have an alledged debt with them. XXXX and the creditors should have reported and registered the alledged debts to the Secretary of State required by federal law. XXXX is also in violation for reporting inaccurate information on my consumer report. According to 15 usc 1681 ( a ) ( 2 ) late payments are excluded from my consumer report.
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED RIGHTS ALONG WITH THE HELP OF EXPERIAN. 

ON XX/XX/XXXX I CONTACTED EXPERIAN TO INVESTIGATE THE INACCURACIES ON MY CREDIT REPORT. ON XX/XX/XXXX THEY SENT ME INFORMATION SAYING THEY VERIFIED AND UPDATED INFORMATION, EVEN THOUGHT I SUPPLIED SUPPORTING DOCUMENTATION ABOUT THE IDENTITY THEFT, BUT LOOKING AT MY REPORT NOTHING WAS UPDATED. 

THEY LIED ON AN OFFICIAL DOCUMENT AND I HAVE THE EVIDENCE. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY 15 USC 1681 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681C ( A ) 5 SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOW ITEMS OR INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 USC 1681S-2 ( A ) A PERSON SHALL NOT FURNISH ANY INFROMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE I DEMAND EXPERIAN DELETE THESE ACCOUNTS IMMEDIATELY OR I WILL HAVE TO TAKE LEGAL ACTION.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (NJ)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. They have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 


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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and sent the paperwork I filed with the FTC to the credit reporting agencies and submitted disputes. The disputes were not filed correctly and the paperwork was not attached to the disputes. And I have not gotten copies of the verification process
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

I re-submitted a complaint on XX/XX/23 about Citizens Bank depositing escrow surplus funds that are due to be refunded to me. XXXX XXXX from Citizens Bank called me on this same date and left a message for me to call her back. Today, I have called her direct line, emailed her, and called customer service for her to call me back. I have yet to get a response. I am XXXX  to hear from her because Citizen 's Bank owes me over {$11000.00} that by law must be refunded to me. I want to know the status of repayment of this money. I want to know the status immediately!
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (CA)

My last payment for my personal loan through XXXX XXXX XXXX was supposed to be XX/XX/year>. All of my payments were paid through automatic deposits for 60 months straight with no late payments. Next thing you know, I see I have a late payment on credkarma. After speaking to my bank, they told me the last payment needed to be sent through a check. We argued because they never told me this and accepted my last payment. I should not have a derogatory mark on my credit because I was never told to send them the last payment through mail. They could have take the payment automatically like they did for the last 5 years? It was literally the last payment. Credit karma has removed this from my credit. The account was eventually paid off. Please help me out with this. I am 100 % not at fault here.
Consumer complaint received 2023-02-17
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: Bread Financial Holdings, Inc. (CO)

In accordance to the credit reporting act this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 A states consumer reporting agency can not furnish an account without my written instructions 15 USC 1666 B a creditor may not treat a payment on a credit card account under and open under consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX and Experian are not complying with fair credit report act guidelines now I have made complaint of these situations and Im not at liberty to keep wasting my time my rights are being violated and what the credit bureaus have done is illegal and upsetting I have made my payments on time on all my accounts and there also is accounts on my credit report that are over 7-10 years and it has no right to be on my credit the law is the law and you need to enforce to them that they are breaking it Im not going to repeat my statement i will take full legal action against all responsible because of not abiding by the law these accounts need updated and deleted I will attach my proof now you enforce this matter or I will sue both parties for breaking the law and they are reporting late payments which is not relevant to what it is I can prove I pay all my accounts on time I have had enough of their foolish lies they are to abide by the rules
Consumer complaint received 2023-12-25
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. (KY)

On XX/XX/2023 - XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. When contacting them back to stop contacting and put me on do not call list, I was told they do not make phone calls which is a lie and very unacceptable practices. I am sure this is a violation of the FDCPA. 

It is the CFPB 's job to protect the consumer and ENFORCE the LAW. Please forward to general counsel. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XXXX XXXX Order granting Motion For Leave to Proceed in XXXX XXXX on XXXX XXXX XXXX, as shown on Docket Sheet Copy Included, for Trans Union complaint in process record, as well as XXXX complaint record. Full Case Number is : XXXX, as shown on Docket Sheet Copy attached.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Are all closed accounts according to a free credit report I received from a free credit report company. XXXX, Transunion, and XXXX have all done an investigation and the results have said these accounts are still in collections. 

XXXX XXXX  and/or XXXX XXXX XXXX and XXXX reporting twice on my report. XXXX XXXX  and/or XXXX XXXX XXXX along with XXXX XXXX XXXX are also the same agency reporting XXXX times on the same closed account. I made a complaint to all XXXX bureaus and they came back saying there was no error.
Consumer complaint received 2023-12-25
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. (NC)

On XX/XX/23, I pulled my XXXX credit reports from XXXX, XXXX, and TransUnion. I noticed an account : XXXX XXXX Bank was listed on XXXX, XXXX and TransUnion. I submitted a dispute to XXXX, XXXX and TransUnion to have account deleted, as this account was paid. 

On XX/XX/23, I was notified that account was deleted from XXXX, but not from XXXX and TransUnion. Both XXXX and TransUnion reported the account as verified and accurate.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (MA)

I am writing to formally file a complaint against Experian regarding the presence of inaccurate information on my credit report. On XX/XX/2023, I initiated communication with Experian to address and rectify the inaccuracies detailed below. However, as of the current date, I have not received any response or resolution from Experian. The following outlines the specifics of the disputed account and the necessary corrective measures : Account Information : Account Number : XXXX Date Opened : XX/XX/2023 Balance : {$3100.00} Original Creditor : COLLECTION I am asserting that the account linked to the account number XXXX, established on XX/XX/2023, and associated with the original creditor COLLECTION, does not belong to me. Consequently, I am requesting that Experian promptly eliminates this inaccurate account from my credit report.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have ask TRANSUNION credit Bureau to remove incorrect names, addresses and phone numbers. This incorrect information is hurting my credit score and my self from getting home o a job. Also they my be someone credit account that doesnt belong to me
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (OH)

I signed up for an Apple Card ( issued by Goldman Sachs ) for the sole purpose of its advertised use- to buy apple products with 0 % financing for 24 months, with the option to trade in an XXXX after 12 payments with the value of the phone being deducted off the purchase price. This worked well, and I was planning to upgrade to a new model. However, Apple and Goldman Sachs changed their terms, materially, earlier this year, while still advertising the product as it was originally conceived. The new terms require a cell phone plan with only a choice of the largest 3 carriers in the US. Apple says you do not need to keep it on that plan, but one is required for purchase, using the monthly installments. This leaves people like me who were relying on Apple to keep their promise in a situation where a new phone can only be purchased with a big 3 carrier plan, whereas before, it could be purchased " on any carrier '' - which is still the case, but not with the monthly installments, which was 90 % the reason for me getting the card. This anticompetitive behavior hurts consumers who do not want to pay extremely high fees for a " big 3 '' carrier plan. It also means consumers that relied on this are stuck with a device that will be depreciating in value until the term of the payments is complete, or who take a huge loss.
Consumer complaint received 2023-09-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I am from the XXXX working as a XXXX XXXX  and provide help to my clients located in the XXXX. I use Paypal to get payment from them, in exchange to the work I did, I use Paypal for nearly 10 years, without any issues.

But then, just this week, I got an email from Paypal, saying my account has been limited. I am not sure why so I asked. However, I was not given a specific reason nor a valid one. I seek justice because first : I still have funds in my PayPal account which I can not withdraw. Second, the invoices I sent to my clients last week is still pending and Paypal is making a follow up with them, when they know for a fact that they are holding my funds. 

I am asking for your help. I just need my account reinstated, I just need it to be able to use it as a payment platform for my clients. 

Any help is greatly appreciated. Thank you!
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-06
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: MILLENNIUM FINANCIAL GROUP, L.L.C. (OK)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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