davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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: CAINE & WEINER COMPANY, INC. (IL)

Caine & Weiner has been notified of their abuse to me as a consumer and their violation of my rights according to the Fair Credit Reporting Act, at the address they have provided to XXXX and XXXX below via certified mail received XX/XX/2023 at XXXX. 

Caine & Weiner XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX In accordance with the Fair Credit Reporting act Caine & Wiener has violated my rights. 15 U.S.C 1681 section 602 A [ ( 15 U.S.C 1681 b ( a ) ( 2 ) ]. 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$180.00} for services and refuse to remove it from my credit report. In direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter. 

They have 15 days to rectify this matter. This is just documentation for the lawsuit they will receive XXXX XXXX.
Consumer complaint received 2017-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I received notification on  XXXX   XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.
Consumer complaint received 2023-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I had a mortgage with Wells Fargo. On several occasions I applied for a modification under the false pretenses that no payments needed to be made. I then went into Foreclosure twice and had to pay attorney costs, and other additional costs. Not to mention when I sold my home I still had to pay additional funds. I also had a checking and savings with Wellsfargo. They had signed me up for yet an additional accounts. No one wants to be held responsible.
Consumer complaint received 2021-05-17
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I applied to open up a checking and savings account with XXXX XXXX XXXX XXXX, but XXXX XXXX XXXX XXXX was unable to open an account for me due to running a report with Chex Systems which my Chex Systems report indicated an unpaid closure of a checking account with XXXX XXXX XXXX  for {$900.00} and NSF activity. Chex Systems previously deleted the account from XXXX XXXXXXXX XXXX from my consumer report ID : XXXX, but the fraudulent checking account from XXXX XXXX XXXX for NSF activity of {$900.00} has reappeared on my Chex Systems Consumer Report because I am not able to open up a checking account with XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have a current police report on file with Chex Systems for being a victim of identity theft and for fraudulent checking accounts and credit inquiries appearing on my Chex Systems Consumer Report ID : XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (FL)

Due to unforseen circumstances that have lead to involuntary hardship, making it difficult and impossible for me to repay this debt and other debt obligations. I am providing you a copy for evidencing purpose, reciept of my Social Security Benefits so that you may review my circumstances and take appropriate action on account that is uncollectable debt. My situation protects me as a person on Social Security XXXX from having my income garnished by a creditor for the purpose of debt collection for private debts like credit cards. The reporting of this collection account to all three major credit reporting bureaus as a XXXX XXXX XXXX further puts me in an even more serious financial hardship crisis. 

Due to rising cost of living expenses, rent, utility, gas, food and especially car insurance premiums and other unforeseen financial hardship there is no way possible for me to satisfy this debt and other debt obligations. 

Please see attached documents regarding Social Security XXXX recipients and ( XXXX ) laws protecting Social Security XXXX recipients from Garnishment of this benefit income, making account debt uncollectable.
Consumer complaint received 2024-03-18
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. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MD)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts contain inaccuracies, which is causing me concern.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP (TX)

The loan that I originally took out was through XXXX. This loan was later sent to XXXX XXXX for collections purposes. While the loan was with XXXX XXXX, I paid a settlement to settle and resolve the debt. This settlement occurred in XX/XX/XXXX. I have proof of this settlement occurring, which I will attach. Once this settlement was conducted, the debt was properly resolved on my credit report and all seemed to be done with this debt. 

However, recently the debt was sold XXXX XXXX, XXXX, and now Capital Management Services , LP is attempting to collect on this already-settled debt. I was given a window of time to dispute that this debt was owed ( by XX/XX/XXXX ). I have attached the proof that I disputed this debt as required. 

Despite disputing the debt as already being settled, Capital Management Services , LP decided to pursue this already-settled debt, which reappeared on my credit report later in the spring as having a balance owed and showing missed payments after the settlement date of XX/XX/XXXX. 

I have reached our to Capital Management Services , LP twice now regarding this issue, and provided the proof of settlement information to them each time. Not only has the issue not been resolved, but they have not responded to my inquiries at all. 

I will be attaching the proof of settlement and proof that I disputed the debt through Capital Management Services , LP. ( I also have a video of me mailing the letter to them, to show that it was sent. However, this video can not be attached below but can be provided if needed. ) Additionally, I've included the screenshots of both emails I have sent to Capital Management Services , LP to try and get this issue resolved, both of which have received no response at all.
Consumer complaint received 2023-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IN)

I made the following payments to MOHELA XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XXXX XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$2800.00} XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$6000.00} I have proof of all these payments to MOHELA on my bank acocunt. 
MOHELA lost my payment made on XX/XX/XXXX for {$800.00} I sent them my bank statement. 
I keep getting different stories from CSRs. 
THey lost {$800.00}.
Consumer complaint received 2024-03-18
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. (PA)

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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized items, incorrect addresses, and inaccurate names appearing on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 remove this inaccurate information from my credit report. 

I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 
Enclosed, you will find a copy of the relevant FCRA sections, particularly FCRA 605B ( 15 U.S.C.

1681c-2 ), emphasizing the immediate removal of information identified by the consumer as fraudulent, not later than 5 business days from the receipt of such notice.

Moreover, under 15 U.S. Code 1692e ( False or Misleading Representations ), I request that Equifax notate these disputed items as " in dispute '' or " consumer disagrees '' within 30 days. 

Please see the attached file.
Consumer complaint received 2024-03-27
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06
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)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : xxxx, which is enclosed with this correspondence.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (TX)

I will disclose further details if or when necessary, however, I sent a few payments to an unknown individual using my PayPal cash card. The payments were for an introductory meeting/payment for my security deposit and first night rent of the home I was negotiating to stay in. I discussed the details of my business and what other services I might be able to help her grow her business with, but essentially the agreement was my payment to her for security deposit and 1 night stay at her residence until further " lease '' terms were intended to be negotiated. 

The woman in question is not my associate, nor have we ever met in person, but after convincing me to send one payment after another I had sent several payments to cover the deposit and " rent '' for the night as well as negotiated a meeting to discuss business ventures. 

However, after multiple successful deposits sent to her from my paypal account I was given a physical address to meet in person and was blatantly lied to. The woman never answered the door, the house appeared to be vacant and I even jeopardized my safety by spending money i could not afford to cover my shelter cost for the evening. 

I tried to dispute these charges and transactions with PayPal with whom, I have had my account active since XXXX and almost NEVER have I filed disputes. My dispute including the following : " This person scammed me into a few payments that were supposed to be for a deposit on a rental of a house and they never delivered what they promised me whether I made several payments they demanded upfront '' However, they responded a few days after disputing said charges with the following comments : We've closed this case as our review showed that this transaction was processed correctly and an amount of {$50.00} USD was successfully transferred to the XXXX on XX/XX/XXXX at XXXX XXXX  XXXX. 

Transaction ID 's Transaction ID XXXX ( {$52.00} ) Transaction ID XXXX ( {$100.00} ) Transaction ID XXXX ( {$52.00} )
Consumer complaint received 2023-04-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I have disputed this problem over and over but once XXXX XXXX XXXX send info to CFPB or the credit bureaus it is taken as accurate instead of looked at and investigated. So once again I ask CFPB to investigate the reporting of my account to the 3 credit bureaus by XXXX. My account is being reported as 30 days late when my payments to the fall between 1-29 days late. Example : My XX/XX/2021 payment was made on XX/XX/2021 which would make it 5 days late. XXXX  reported my account as 33 days late to the credit bureaus. My XX/XX/2021 payment was current and paid on XX/XX/2021 so my account was current. XX/XX/2021 would have made my account 33 days late if I hadn't made the payment on XX/XX/2021 or anytime before XX/XX/XXXX but my account was reported to the credit bureaus before that time which makes it fraudulently reported. The Fair Credit reporting act states that an account can only be reported to the credit bureaus 30 days after the due date. My due date each month is on the XXXX of each month. XX/XX/2021 is 5 days not 33 days late. I called XXXX  and tried to get answers as to why their reporting and accuracy of my account is so different from when I made payments and my bank statements and again the answers that I got was all over the place. I spoke to two different employees one of which was a supervisor XXXX whom I ask about reversals of payments that were made. None of my payments have been reversed or unpaid by my banks. I pay with a debit card every payment and if there is no available funds the payment will not even submit to XXXX. I was told that I had made payments by giving my checking account info, never and the last four of the checking account that he gave me isn't associated with me or any of the XXXX bank accounts that I have made payments thru. Again I have NEVER made a payment to XXXX  using checking account information. I have always paid with a debit or credit card. XXXX has also charged a NSF fee to my account when none of my payments has ever been denied or returned. This entire conversation was recorded by myself and supposedly by XXXX and yes I informed both employees before during and after the conversation that they were being recorded, both said ok. XX/XX/2021 is just one of 19 times that XXXX has reported my account 30 days late when it wasn't. I don't understand their calculations of days but the FCRA and federal government makes it clear that reporting is 30 days after the due date not 30 days from your last on time payment!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

My FICO score reported on XX/XX/2024 is inaccurate. I reduced my re-occurring debt were all paid on time and never late. My EQUIFAX FICO score decreased to XXXX XXXX. It should have increased. My XXXX and XXXX were both increased due to outstanding. There are N0 serious delinquency, No late payments. No missed payment and No Short account history. Below are the current reported FICO Score : XXXX XXXX XXXX XXXXEquifax decreased XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

To whom it my concern, I am writing to update/correct my personal information on file with your company.

Please Update my address : XXXX XXXX XXXX XXXX XXXX, AR XXXX Please update my name : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XXXX My only employer is : XXXX XXXX XXXX XXXX do not wish to have any telephone number on my report. Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX