davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2023-08-15
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. (FL)

I Pulled a recent credit report and noticed a lot of fraudulent authorized accounts. I will be listing all of these accounts, below along with date it said it was open on the report. I NEED THESE FRAUDULENT ACCOUNTS OFF OF MY REPORT IMMEDIATELY! 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (FL)

I Pulled a recent credit report and noticed a lot of fraudulent authorized accounts. I will be listing all of these accounts, below along with date it said it was open on the report. I NEED THESE FRAUDULENT ACCOUNTS OFF OF MY REPORT IMMEDIATELY! 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, 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. (AL)

15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions.-Except as provided in paragraph the term " consumer report '' does not include : LIVE any report containing information solely as transactions or experiences between the consumer and the person making the report 568 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 2023-08-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

This account account was never late and paid in full when I sold my house. I have disputed this account several times and never get a valid response other then the account is verified that its mine and never get proof of showing i ever was late. That's because I was never late on this account!
Consumer complaint received 2023-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This account account was never late and paid in full when I sold my house. I have disputed this account several times and never get a valid response other then the account is verified that its mine and never get proof of showing i ever was late. That's because I was never late on this account!
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (FL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I requested a wire be sent for our home purchase scheduled for XX/XX/XXXX. On our day of closing, XX/XX/XXXX, we expected the wire be sent that day in order for us to close on our home. I was told that Ally would call me if anything was needed from me. As the hours went by on the day of closing, XX/XX/XXXX, I noticed that no one called me but checking the app said that I needed to call their number for more information. I was not told what information was needed and was confused why I was not called in the first place if they needed information from me. Nonetheless, I called and spent over 6 hours on hold during that day trying to get in contact with someone. I was able to get a hold of someone 3 times that day in 6 hours. The first time, I was told I would be put on hold for 3-5 minutes. During the time I was on hold, I was hung up after spending two hours trying to talk to someone. I had to call back a second time. The second time I called there was a similar hold time. I spoke wot someone who said wire information needed to be verified. I verified and confirmed that everything was completed with the teller and was assured that the wire would be sent the same day as I was able to verify the information before the cutoff time. This turned out to be not true since I noticed on the app that more information was needed. I called back a third time and was on hold for hours again before I was able to get a hold of someone. The third person stated that information needed to be verified again even though I confirmed with the person prior that everything was verified. I verified the number again but was told that the wire would no longer be able to be sent the same day. This was an incredible inconvenience as we had planned to start moving over the weekend, but now we are not able to do that. I was then told that the wire would be sent on XX/XX/XXXX. I specifically asked if they meant XX/XX/XXXX or Monday, XX/XX/XXXX and they confirmed the XXXX. I checked the app on XX/XX/XXXX to confirm the wire was sent and the same pop-up showed that I needed to call Ally Bank XXXX I called once again after spending more hours on hold and now I am being told by the 4th person that they can not seem to locate my wire. I gave them all of the information they requested but now my wire seems to have disappeared from their system. I was told to call back on XX/XX/XXXX. This is unacceptable and seems inconceivable to me how a bank can lose someone's wire and money. I was never contacted regarding this and everything had to be done on my initiative instead of the other way around, even though they have lost my wire of tens of thousands of dollars. Ally bank said they would call me if anything was needed from me but they never did. This is shameful and I feel like they do not care about the distress this is causing me.
Consumer complaint received 2022-10-22
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account Account : XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I 'm currently in an active foreclosure and fell behind in my payments. So far it 's about {$60000.00}. I 'm waiting on additional income to come in so that I can become current with my mortgage. There was an unexpected retirement I had to put in for due to medical reasons. This is my primary residence and I have no other place for me or my son to live if my home is foreclosed on.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Chapter XXXX Bankruptcy-XX/XX/XXXX I never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX, GA XXXX Transunion XXXX XX/XX/XXXXXXXX, PA XXXX
Consumer complaint received 2020-08-23
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: TD BANK US HOLDING COMPANY (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-16
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. (NJ)

These accounts are not supposed to be reporting on my credit report. In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 

15 USC 1681 section A states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Consumer Real Estate Finance Co. (GA)

I sold my house to a buyer who used XXXX. He had an FHA loan. The contract process was started on XX/XX/XXXX with closing date of XX/XX/XXXX. XXXX did not give any indication that the loan process would be significantly delayed. Therefore, I planned a multi-state move so that I could buy my new house ( contingent upon my home 's sale ), and organize a move, as the buyer was to take possession upon closing. 

Due to XXXX 's inefficiency and ineptness ( they admitted as such when I called to inquire ) in their underwriting process, the closing was delayed by XXXX weeks. Most of the inefficiency revolved around asking for additional documentation that any financial institution should have asked for in advance. As an example, they asked for the buyer 's checking account statement only 2 days before original closing XXXX the buyer furnished the document before the close of business same day ) -- this should have been perfunctory. 

Due to these delays, I also had to delay the closing of my new house in a different state, though I was supposed to be here for work. This means I incurred extra charges in the form of temporary living, storage of my household items and furniture, and at least XXXX full week of holding the mortgage rate ( I had locked in for 45 days to account for some delays, but not this long ). The total of out-of-pocket expense I incurred due to XXXX 's inefficiency was approximately {$2000.00}. I know there is no legal recourse, but I acted on good faith and it cost me.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have had a water loss at my primary residence. My insurance carrier paid the loss to me in full however, I was required to sign the check over to Wells Fargo. In order for Wells Fargo to release my money back to me I need to schedule an inspection. Wells Fargo has been unable to get a hold of the inspection company to schedule an inspection. Wells Fargo will not release my money. They owe me over {$69000.00}. 

My claim process from beginning to check being issued by XXXX was faster and more efficient than me trying to get my money back from Wells Fargo. 

I am 70 % complete with my job and have stopped work for lack of funds. I am requesting payment of {$50000.00} immediately with the balance to be paid in 10 days with or without an inspection. 

I sent a letter to Wells Fargo CEO and Board of Trustees 3 days ago with no response. I opened a Wells Fargo Complaint Case # XXXX.
Consumer complaint received 2023-08-16
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. (MS)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, non-written, verbal, and non-verbal per 15 USC 6802. Therefore I am opting out of any derogatory indicators such as late payments, charge off, collections, bankruptcies, judgments, liens and hard inquiries.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

My FNBO card XXXX XXXX XXXX XXXX was used for unauthorized transactions from XX/XX/XXXX to XX/XX/XXXX. My card was stolen. I informed the credit card company on XX/XX/XXXX and they canceled my card and issued me a new card. 
I saw that there are fraud transactions again from XX/XX/XXXX to XX/XX/XXXX. I informed the bank on XX/XX/2023 about the fraud charges and they canceled the card and issued me a new one. 
I have also filed a police report and informed the same to the credit card company with report number - XXXX The credit card company has not dropped the fraud charges from the my XXXX statement.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NV)

I have been repeatedly called by XXXX XXXX through a computerized autodialing system. I have attached a file showing all calls I believe were from them ; In the file you will see where I received multiple calls a minute a part and also calls received before XXXX. When I answered these calls, the other end would be silent then the call would end. Many calls later, I decided to confirmed with XXXX, the original creditor, that my debt had been outsourced to XXXX   XXXX. Next, I returned the call to the collection agency on XX/XX/XXXX ; after being told the call was being recorded and the amount owed, I asked where in my contract with the original debtor did I give permission for them to repeatedly robocall me. They would not answer my question so I requested to speak with the supervisor. I repeated this question to the supervisor, and she responded that the contract did not give permission for them to do so. I then asked, " Then when was permission given by me? '' She responded that today was the first time they spoke to me and that I haven't given permission. Next, I asked, " then why am I receiving illegal robocalls? '' She stated an automated system makes these calls to everyone until they are told not to and that this is legal until first contact. This conversation showed not that these calls were a mistake but that they willfully harass all consumers that they are trying to collect a debt from this way. They harassed me in various ways and lied about my consumer rights.
Consumer complaint received 2023-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TX)

The debt was paid in full and canceled after initial term. This is from XXXX  over XXXX years. I notified the collections company that the debt was paid in full after term was satisfied. It is an alarm monitoring company. They have contacted me via my personal cell without permission. I have disputed it on my credit report and have notified them to remove this within 10 days. 

The contact is XXXX XXXX  XXXX
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (IL)

This is a PayPal account. I had to wait almost 3 weeks for my {$100.00} to be added to account from a friend that sent me money. Now it cleared, however they will not let me withdraw my money. I have called, emailed, and chatted. They refuse to help and just keep saying wait another 24 hours after they told me I would have XXXX  XXXX  when calling
Consumer complaint received 2023-04-27
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. (CA)

To whom it XXXX concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. " The below- noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX Equifax This letter is XXXX formal request to delete the inquiries listed here from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history! With that being said, the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ). These need to be removed immediately!

Appreciatively, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well Metro 2 -- it needs certified compliant. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party XXXX be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.