davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account Name : Discover Bank # XXXX XXXX XXXX Account Name : Discover Bank # XXXX XXXX : Account Name : Discover Bank # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-03-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I contacted Wells Fargo many times and applied for modification and kept getting a response like more paperwork is needed. Submitted everything required of me and they continued to still take my house under my feet. I had a baby at that time and they didnt care that we would be homeless. Feel I to a deep XXXX and wanted to commit  XXXX  due to fact I didnt know where I was going with my children and had no money. They proceeded to only give me a short time to get out of home before being padlocked. Had to leave a lot of belongings behind, my kids belongings and I think that was horrible. Single  mom and no help, no money and homeless.
Consumer complaint received 2023-01-02
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 have violated my federally protected consumer rights. 


- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

- 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 of 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 to any consumer reporting agency if the person knows or has reasonanble cause to believe that the information is inaccurate. 

XXXX : XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX : XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  : XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-01-02
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 XXXX  Account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (VA)

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Ditech is not applying my loan payments to my loan. A representative told me that they changed databases, and therefore changed account numbers on mortgage loans, then did not apply payments to the new account numbers, then charged late fees and started collection calls for the payments that they did not apply. They have not sent me a current month statement. 
I have bank verification that I electronically paid. I have a video recording of the representative from Ditech telling about the database problem, how the Ditech employees could not access any information from XX/XX/2016-XX/XX/2016, no statements were sent out, and telling me I need to submit proof of payment. Also I have a recording from a bank representative from my bank that reported he has taken XXXX or so call in the last two months from Ditech/GreenTree and other mortgage companies with the same issue. 
This mortgage started as a XXXX XXXX, was bought by XXXX XXXX XXXX, then bought by Green Tree, and is now in the hands of Ditech. I am current on my payments on my end ( my bank verified ).
Consumer complaint received 2023-01-02
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. (IL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted in from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-06-23
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2023-01-02
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. (OR)

I have been trying to dispute Account Name XXXX XXXX  with XXXX XXXX XXXX XXXX and EXPERIAN for over a year of back and forth disputes to remove this off my credit report. This has cause so much frustration and stress especially over the pandemic and I am now ready to take legal action as I have the evidence to prove that the credit bureau are doing nothing to help remove this collection that does not belong to me off my credit. 

I previously requested that you provide original contracts for the items that I previously disputed that are listed above. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 

Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount I asked full validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. I asked for this back in XXXX and you still have not provided this information which I was going to use in court. Now this this affected me finding a place to live I am going to everything I can to ensure this is fixed even if I have to take the above credit bureau mentioned. I will again include the signatures of the people involved in the initial cases. 

I request and demand once again with the CFPB that this account is removed off my credit report. 

you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 

I am under a lot of stress dealing with this for so many months. I ask that you please review my case carefully and understand that I am looking for a resolution where this account is deleted.
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC ()

To whom it may concern, I just received a letter from the loan company and called their customer service on XX/XX/XXXX. I was told my student loan account has been converted to Heartland ECSI in XX/XX/XXXX, and my account has past due amount of {$1100.00}. 

The real story is I have been paying my student loan on time for 10 years. I have set up automatic payment and I was a bit curious why it stopped payment since this XXXX. My instinct was it has been fully paid and did n't go check my account balance ( in fact I have lost password long time ago ). I did n't know they convert to another company and I need to reset account payment method. 

To Heartland ECSI, I complained that I was not informed at all and had not idea they converted my account. And I have absolutely no intention to stop my student loan payment. The representative asked me to file dispute with credit bureau as they have reported my past due payment. 

I request they withdraw their filing against my credit score, because this is technical issue between my previous and current loan institutions. 

Regards
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I signed up for a XXXX account. The app crashed and wouldnt allow my payment to process. Tech support abandoned the support and stopped aiding me in fixing the app. The account was charged off XX/XX/XXXX. 

However, XXXX has reported this charge off inaccurately on my credit report deliberately harming my credit score. XXXX and TransUnion has conspired to allow this error to harm my credit score. 

The account was suppose to be charged off XX/XX/XXXX. However, they have consistently updated my credit report as an open account. Then charged it off XX/XX/XXXX. This was a clear violation. 

XXXX XXXX  violated the following laws. 

FCRA 602 ( a ) ( 1 ) ; Internal Revenue Code 166 FCRA 605 ( a ) ( 4 ) & 605 ( C ) These laws in combine states that a company can not furnish inaccurate information. They must ensure that they are in financial compliance and furthermore, charge an account ( revolving ) in 180 days and must not use any deception to harm a consumer.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I contacted Chase Bank when I noticed unauthorized charges to my debit card from XXXX. Chase said that they would do an investigation and in the meantime would credit my account. They also said that they could not credit my account for anything beyond 60 days, so it would only be the time period from XXXX to XXXX. Chase Bank only credited my account {$130.00} which was not the amount that I called about in XXXX. The amount that I called about in XXXX totaled {$610.00}. I called back again on XX/XX/XXXX and Chase Bank said that they were still doing an investigation and that I should see my money return to account on XX/XX/XXXX. No money was returned on XX/XX/XXXX so I called Chase Bank back on XX/XX/XXXX. Chase Bank then stated that they were not going to refund any money because they refunded money from XXXX. I kept telling them that I had unauthorized charges in XXXX and reported this information to them right away. Chase Bank also emailed me letters saying that I agreed with their actions, which is false. Chase kept arguing and deflecting and then started repeatedly telling me to call the merchant, even though I had purchased nothing from XXXX. I finally gave up and called XXXX and was on the phone with them for about 3 hours. XXXX said that it appeared that someone used my XXXX ID to make purchases. I have not purchased any XXXX products in about 3 years, which XXXX did confirm. XXXX kept repeatedly asking me to provide the full debit card from number from Chase Bank, which I no longer had. I told them that I had a new card from Chase and that I no longer had the old card. XXXX continued to keep asking me for the old card number even though I kept telling them over and over again. Then XXXX said that they could not refund any money unless I gave them my expired full debit card number. Then XXXX kept telling me to contact my financial institution over and over.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I responded to the offer shown below. Instead of getting the absurd hat for free, as advertised, Ive been charged for it. Archived at archive.fo slash XXXX ( archive blocked ) This is a blatant criminal act : bait and switch advertising is illegal. 

SIGNIFICANT CALIFORNIA AND FEDERAL CONSUMER LAWS Bait and Switch - B & P 17500, CC 1770 ( a ) ( 9 ) ( a ) ( 10 ), 16 CFR Part 238 Source, links : XXXX XXXX XXXX When I tried to send a message to my credit card company - Bank of America , the messaging section of their website didnt work. I took a screenshot of that too. Attached. I was attempting to and want to open a dispute. 

Here is the full text of the advertorial+Links within, from XXXX XXXX XXXX, AKA XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FREE In XXXX  We Trust Hat {$0.00} PRICE {$0.00} Discount Only Available For : XXXX This item sells for {$49.00} on XXXX. 
So you're getting a massive discount taking advantage of this offer. 
YOU'LL LOVE THIS IN XXXX WE TRUST HAT! 
We Are Now Offering FREE In XXXX We Trust Hat For A LIMITED TIME ONLY! Claim it Now! 
Highlights : XXXX 100 % brand new and high quality. 
XXXX XXXX XXXX XXXX ORDER yours TODAY while supplies last. 



XXXX XXXX All orders are fulfilled from our warehouse in Colorado on average within 24 hours. Once shipped we'll send you a tracking link. Your items will be delivered by XXXX, XXXX or XXXX and should arrive in under 7 business days OUR GUARANTEE At XXXX, we truly offer the most stunning, trendy highest-quality products in the world. 
We will do WHATEVER it takes with outstanding customer service support to assist everyone as we highly value our customer satisfaction with absolute ZERO risk. 
We make sure that every customer is 110 % satisfied in every aspect with 24/7/365 FAST SUPPORT!

FOOTER MENU Privacy Policy Refund Policy Terms & Conditions Clickbetter Support CONTACT US XXXX This site and the products and services offered on this site are not associated, affiliated, endorsed, or sponsored by XXXX, XXXX, XXXX, XXXX, XXXX or XXXX nor have they been reviewed tested or certified by XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX. The typical purchaser does not make any money using this system. XXXX does not guarantee income or success, and examples shown in this presentation do not represent an indication of future success or earnings. The company declares the information shared is true and accurate. 
Copyright Disclaimer under Section 107 of the copyright act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favour of fair use.
Consumer complaint received 2023-06-23
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. (NY)

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.