davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Opened XXXX XX/XX/XXXX I still do not have a resolution from Mr Cooper. 

I am victim of the XXXX XXXX. My home is under construction. My builder invoices on a monthly basis, per his contract. Mr Cooper will only disburse funds 'quarterly. ' I am unable to pay my builder as I do not have this kind of cash/savings. On XX/XX/XXXX, I requested that Mr Cooper make an exception to accommodate my builder 's contract. I am requesting that the answer be provided by end of week, week ending XX/XX/XXXX. 

I have phoned the company XXXX times, and each time I am given a different deadline. Today I was told it would be 15 days from XX/XX/XXXX, while on XX/XX/XXXX I was told it would be XXXX days. 

The impact of not receiving these funds in a timely manner is that I am unable to move forward in the rebuild and refurnish of my new home. 

Please assist in not only getting me the answer but in getting the disbursements released on a monthly basis until completion of the build. 
Thank you, XXXX XXXX
Consumer complaint received 2024-02-07
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)

Violation of Privacy Act of XXXX & of the XXXXonal and Privacy Act of 1974. 

XXXX : XXXX Balance {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX XXXX  Balance {$2900.00} Balance updated XX/XX/XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/XXXX XXXX Balance {$3500.00} Balance updated XX/XX/XXXX XXXX  Balance {$6000.00} Balance updated XX/XX/XXXX XXXX Balance {$5500.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2400.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$7000.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$1300.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$6700.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX Balance {$2800.00} Balance updated ( XXXX XX/XX/XXXX ), XXXX  Balance {$2800.00} ( XXXX XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$3500.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$5500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2400.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$6000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7100.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Balance updated XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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. (GA)

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


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In Accordance with the fair credit Reporting Act. The List Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These companies have violated my right to privacy. 

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

15 U.S.C 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person or agency shall not furnish any information relating to a consumer to any consumer reporting agency especially if the person knows or has reason to believe that the information is inaccurate.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Automotive Management Services, Inc. (NC)

Upon checking my credit report on XXXX/XXXX/2015 it appears that Automotive Management has increased the amount of my reported debt to credit agencies without notification from {$4500.00} to {$5800.00} increase of {$1200.00} ) Automotive Management has never informed me that they have assumed liability of a debt I owe or that I have signed into an agreement with Automotive Management. Nor has Automotive Management provided me with a notice of sale date, location, or details of said Vehicle repossessed by Automotive Management
Consumer complaint received 2022-12-12
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. (TX)

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 u.s.c. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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. 1681 section 602 A. States I have the right to privacy.

15 u.s.c. 1681 c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information. Other than records of convictions of crimes which on dates 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 2017-04-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I transferred {$650.00} using Wells Fargo Sure Pay to what turned out to be a fraudulent Wells Fargo account on XX/XX/2016. I reported it immediately to the Wells Fargo Fraud department. I also reported the incident in person at my local Wells Fargo Branch. I provided the results of my own research to Wells Fargo. As far as I can tell, there has been no investigation into the fraud. Wells Fargo seems to have dropped the case. In order to open a Wells Fargo account, the account holder must provide a Driver 's License or Social Security Number. The account was originated in the state of Colorado ( according to the routing number ). It seems to me, that the investigation of the person who opened the account would be a fairly simple process for Wells Fargo. I reported the incident to the local police, and to the XXXX as well.
Consumer complaint received 2023-03-31
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-12-27
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. (MO)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I will opt out of XXXX XXXX XXXX  disclosing my nonpublic personal information to nonaffiliated third-party unless I agreed in writing to the disclosure.
Consumer complaint received 2022-12-12
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. (MD)

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

Account name : XXXX XXXX XXXX # XXXX Account name : 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 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 2023-02-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-06-14
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)

I summited a complaint on XX/XX/ about some improper information reporting in my credit report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below including my personal information. 
Correct Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies. 

**List Accounts Must be REMOVED** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (GA)

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


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-12-12
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. (AZ)

I started a complaint with the CFPB already about Transunion. The reference number for the original complaint is : XXXX I received another stall letter from Transunion today in the mail and it is attached to this message. Transunion is stalling and not investigating my complaints.
Consumer complaint received 2020-08-07
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. (NJ)

I sent a dispute letter out in XX/XX/XXXX to all credit bureaus to remove an account on my credit report that was in violation of FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The account is reporting inaccurate and different dates to re-age the account. XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. 
This affects the account date it falls off my credit report, This is a violation. The account was update by Experian from a Repossession to a Charge-Off on XX/XX/XXXX. There is no collection account attached to this account on my credit report.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, XXXX, Equifax XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX XXXX XXXX Equifax XXXX also being reported with mis account active dates. by all three, XXXX, XXXX, Equifax. 
This account ( XXXX ) is being reported with in correct information on the balances., by XXXX and Equifax. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, Equifax, and XXXX. As well as Equifax reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX XXXX XXXX Equifax XXXX
Consumer complaint received 2017-03-30
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: D. SCOTT CARRUTHERS (CA)

Have received several phone calls from office of D. Scott Carruthers regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
Consumer complaint received 2023-02-27
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$800.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Also , this bankruptcy file date is wrong and this bankruptcy are out of statute for reporting on a credit report. And it should no longer be reported because it is past the 5 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
Bankruptcy XXXX XXXXXXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy : XXXX XXXX Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX XXXX  XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2023-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

XXXX Credit reporting Agencie is reporting false and inaccurate information on my credit report I have reached out to them about this matter this medical debt collection that is appearing on my credit is inaccurate reporting. Wakefield and Associates in the amount XXXX. I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have uploading documents on line on the website and unsuccessful also website is giving a Stange Error the account that is being reported on my account is a Violation of HIPPA and a complaint Has also been Filed and also a complaint has been filed with the Attorney General in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts. If this Account is not removed from my consumer report within 30 days a Law suite will be filed against the two parties Wakefield and Associates and XXXX