davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX Late Payment AccounXXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

Once again, we are having problems with Wells Fargo Home Mortgage. The following are some problems that have been addressed with Wells Fargo, But they failure to provide compensations after being found at fault of improper servicing of mortgages fined by your agency, 1 ) Wells Fargo Mortgage did a False eviction on our home causing us to spend unnecessary money on an attorney to fight the false eviction, Your agency fined Wells Fargo Mortgage Company for this type of improper behavior, we contacted Wells Fargo About compensation, but never heard back from them as of today XXXX. 

2 ) After reviewing our records with Wells Fargo Mortgage, again we found nonauthorized for Home life Protection Insurance, that we never authorized nor agreed to have on the loan over 13 years of unauthorized charges, but Wells Fargo Home Mortgage was contacted and they stated we would be compensated for this item, again as of today XXXX, still NO compensation from Wells Fargo Mortgage. 

3 ) Wells Fargo Home Mortgage added again an Unauthorized additional fire protection policies with an unknown insurance company on our loan without our permission. Again they were contacted, But again as of today XXXX, still nothing from Wells Fargo Home Mortgage. 

Well we got a letter from Wells Fargo Home Mortgage advising US that our mortgage would be now serviced by XXXX XXXX  starting in XXXX of XXXX, but still have not heard from them about the noted errors in servicing our loan.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I asked XXXX XXXX XXXX to update my account status to equifax and submit the correct information but they have not ; the payment status still states 120 past due, making my account look delinquent ; the account was paid in full on XX/XX/2019 ; however, this account on Equifax keeps stating 120 days past due on status. I contacted XXXX XXXX to correct it but they keep stating they sent the letter but I have not received the paid in full letter nor have they update my credit to proper status but continue to change info to incorrect further dropping my credit score
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (IL)

Harris & Harris keeps calling me from XXXX. At first, they were calling my cell phone. Now theyre calling my office. Theyre trying to collect debt from a lady that ive never heard of. I have no idea how they got my number and why theyre calling me. I told them countless times that ive never heard of the person theyre looking for!
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2022, I made a withdrawal of {$31000.00} from my Interactive Brokers brokerage account to my bank account with XXXX XXXX XXXX XXXX XXXX ). But my transfer was blocked by a JPMorgan Chase correspondent bank. since then, this bank has not officially notified me of the reasons for the blocking and has not given any official answer to where exactly my money is and what the blocking status is. this bank did not communicate with me directly. I can only communicate with him through Interactive Brokers. But Interactive Brokers didn't help me with my problem either. ( they, as the sending bank, do not want to bear any responsibility for this transfer, can not provide any official documents and provide conflicting advice that does not help. )
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MD)

XX/XX/2022 was the day my employer sent the money to my chime account I check my account and nothing is there so I calls chime witch is the mobile banking app I use and they telling me they cant help me cause my employer didnt send anything but I have proof from my employer that the money was sent to my account
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MORTGAGE FIRM, INC., THE (NC)

This individual XXXX XXXX pulled my credit score illegally and is harassing me months later and sending me private information about myself and others over text messages. This is incredibly unprofessional and an insecure way to transfer private data. I want to report this person immediately.
Consumer complaint received 2024-03-26
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. (FL)

In accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under XXXX XXXX section XXXX a. Account name fed loan servicing account # XXXX has violated my rights XXXX XXXX XXXX section XXXX a States I have the rights to privacy XXXX XXXX XXXX XXXX a section XXXX Also states a consumer reporting agency can not furnish a account With out my written instruction. XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX ( a ) ( XXXX ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX  XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2023-01-03
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: Paypal Holdings, Inc (NC)

Made a purchase with Seller info XXXX XXXX in the amount of {$40.00} on XX/XX/2022, using Paypal services. Never received the item. Initiated the dispute requesting money back. No resolution.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SoLo Funds Inc. (PA)

Hello, My ultimate problem with this company is unusual in that I HAVE the funds and WISH to pay, but because they are negligent, they have no other option than to pay back the loan with the debit card that I originally received the loan on, a card which was compromised on XX/XX/XXXX. 

I have needed to pay back the loan since XX/XX/XXXX but after repeated calls to customer service, I was informed that there was " nothing they can do '' to fix the system, such as allowing me to pay by XXXX, an alternate card, even mailing in a check. What gives? 

And because they don't know how to use the internet, I'm getting calls and harassing texts with NO OPT OUT option multiple times a day, including on XXXX XXXX  such as XXXX XXXX XXXX XXXX. I've even tried calling their debt collection line to work something out but I was left on hold for hours. Seriously!
Consumer complaint received 2022-11-01
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. (PA)

They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information 0n XX/XX/22.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Credit reporting company Equifax exposed XXXX XXXX Americans ' information in a data breach. I called their customer service line but was told to simply submit a fraud detection alert for the next 90 days.
Consumer complaint received 2023-03-16
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. (OH)

Fraudulent Inquiries Appearing On My Credit report. 


Fraudulent inquries appearing on credit report appearing on 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 XXXX XXXX
Consumer complaint received 2023-01-03
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)

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 XXXX XXXX XXXX. 

XXXX XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
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. (FL)

Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, Equifax, XXXX as well as XXXX XXXX XXXX and XXXX XXXX, but to no avail. 

I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. 

The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. 

This is my last attempt to dispute this before taking legal action towards these bureaus.
Consumer complaint received 2023-07-25
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. (CA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. 

I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card Services I have these three negative accounts on all three credit Bureaus. I've disputed an account from Toyota motor services & two accounts from XXXX XXXX 


XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. 

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 # XXXX ; has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-25
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.