davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (PA)

I reviewed my consumer reports and noticed that I had a late payment on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability and with maximum accuracy. I have never been late for the account that I have included screenshots inside this complaint on the dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

There are several inquiries that are on both Equifax and XXXX I never gave consent for any person to review my credit file. None of the companies had or have a permissible purpose to inquire anything about me. I want these unauthorized inquiries removed immediately.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-08-16
Product: Credit reporting 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)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-12-28
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. (NY)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2020-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

XX/XX/2020. I received a debt collection notice from Hunter/Warfield Corp., ( XXXX XXXX XXXX XXXX, XXXX, Fl XXXX ), a collection agency, on behalf of XXXX XXXX XXXX, XXXX Evidently, ( from Web search ) this is a property management company in XXXX , NC , demanding payment of {$1700.00}. 
I sent a letter ( XX/XX/2020 ), to Hunter Warfield indicating that this was most likely a fraud using my name and address. I asked for validating information : date and location of debt, copy of original transaction, and method of verification used by XXXX XXXX to verify the person 's identity, and other information validating this transaction. 
On XX/XX/XXXX, I received a letter from Hunter Warfield dated  XX/XX/2020 acknowledging receipt my letter, not complying with any of my validation requests. Instead, Hunter Warfield asked me for personal identification and any " supporting evidence of my claim of fraud. '' I have not complied with their request. 
This activity does not appear on my credit since I regularly keep all my reports frozen with all three reporting agencies. 
Last, and most important, I have never done any business, or had any business contact with either of the aforementioned companies until Hunter Warfield 's letter to me.
Consumer complaint received 2024-08-16
Product: Credit reporting 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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2020-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NJ)

tis is a medical debt fro a er emergency room XXXX originally the original collection agency debt recovery solutions XXXX and now this XX/XX/XXXX they sold it to XXXX XXXX   XXXX  and repoirted this debt as new both collections agency are showing on my XXXX XXXX and XXXX  i disputed this 6 times with no resukts please help!!
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MN)

I have a Wells Fargo VISA credit card. At the beginning of XXXX I had a balance of approximately XXXX of debit associated with the card. Since the beginning of XXXX, I have enclosed supporting documentation to show the following transactions have taken place. Please take note that my documentation supports a due date of the XXXX each and every month. 
XXXX minimum payment due of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX, I received notification that a payment of XXXX was due by XXXX, I honestly believe that my payment of XXXX made on XXXX should have been applied to my XXXX payment due and no payment was needed until XXXX. 
On XXXX I contacted Wells Fargo customer service, my call was answered by an employee named XXXX. She would not give me an employee number or any additional information to identify herself other than her name. XXXX told me that I was receiving a notice for payment due because the payment of XXXX made on XXXX was still pending even though my statement clearly shows the payment was accepted and applied. I get angry when I am lied to, XXXX put me on hold and my call was then transferred to another team member named XXXX. XXXX tried telling me that I would have needed to wait an additional day before making the payment and having it applied to XXXX due date, why Im not sure, it doesnt make any sense to me at all. I wish to file a complaint against Wells Fargo and their banking practices. Isnt a due date a legal binding contract? 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-14
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


XXXXXXXX XXXX XXXXXXXX Last reported XX/XX/2022 {$3700.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance 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 authorization.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX On XX/XX/2020 I had a transaction on my debit card for XXXX from XXXX XXXX . I tried calling XXXX XXXX that couldnt give me any information because I did not have a ticket number or confirmation number. I notified the Regions back filed a claim. On XXXX the XXXX I received a response stating transaction verified with your card credentials. No report of card loss, theft or compromise. 
When I initially tried to contact XXXX XXXX they couldnt give me any info because I didnt have a ticket number, but it was provided on the response from Regions. I contacted XXXX XXXX they said the ticket was purchased by a XXXX XXXX I have no idea who this is. I call Regions to reopen the claim customer service was very nonchalant. I have never filed a claim I dont deal in fraud. When I ask the rep from Regions how do you know the transaction was verified with all my credentials she responded I dont know how XXXX XXXX  work, but you telling me the transaction was verified. For me XXXX is a lot of money an I can not afford to just accept this.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The company recently sent me a letter stating my balance owed is {$0.00} but the account is reflecting that I owe {$15000.00} on my consumer report. There is obviously a discrepancy between the company and the reporting agencies which appears to result in erroneous/inaccurate information being reported on my consumer report.
Consumer complaint received 2022-12-28
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. (MI)

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-09
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. (OK)

In Accordance With The Fair Credit Reporting Act XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2020-03-27
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. (FL)

I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see attatched XX/XX/2019 Statement. Ms XXXX Exec Resolutions Dept Confirms {$2.00}, XXXX USAA CREDITS PROVIDED TIMELY. SO I MUST TAKE HER WORD AS TRUTH. {$2600.00} USAA CREDITS WERE PROVIDED XX/XX/2019 and After careful numerous reviews ALL INTERNAL CALCULATIONS ARE CORRECT. There is a Serious Accounting ERROR USAA DISMISSES. Kindlly Note {$2.00}, XXXX USAA TEMP OTHER CREDITS plus + {$910.00} TOTAL CREDITS MERCHANTS= {$3600.00} EARNED CREDITS. IN MY FAVOR. Ms. XXXX Confirmed New Purchases XX/XX/2019 total {$860.00} plus + Previous Balance {$1.00}, XXXX = $ {$1.00}, XXXX DEBITS EARNED XX/XX/2019. {$3.00}, XXXX CREDITS EARNED XX/XX/2019 ( - minus ) {$1.00}, XXXX DEBITS EARNED. ( BALANCE XX/XX/2019 IS THEN ( - ) *** ( MINUS - {$1600.00} ) *** Statement Balance Calculated by USAA Ms XXXX in Exec Resolutions Department {$960.00} IS NOT ACCURATE ACCOUNTING ** MY BALNCE XX/XX/2019 CLEARLY IS $ - XXXX XXXX
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX, ,Continuing Issues About Settlement Payments,, ( from The XXXX, ,Unathorized Banking Accounts On XX/XX/XXXX And Ect, ,Any Other Issues Tied Together With That, ,Yes I Did Receive Some Information about This But It Doesn't Describe, ,On, XXXX, ,When? Where? And What Date?, ,This Is So UnAcceptable, ,These Matters Should. already Be Solved, ,ASAP!!,, So UnAcceptable Business!!!!
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have sent numerous letters to XXXX asking that they please verify XXXX accounts that are appearing on my credit report. I have no idea what they are and have asked that they send some type of documentation letting me know what it is, if its been verified, and who they spoke with so that I XXXX get some type of clarity on these accounts. I have not received any form of communication from XXXX. I have even sent letters reminding them that they are legally obligated to complete an investigation and respond in 30 days. My letters have gone unanswered. 
I have also sent letters to TransUnion and XXXX regarding a separate account. I have not received a response to my request for verification. I have asked both agencies to provide proof that this account belongs to me or a method of verification so that I XXXX follow up. TransUnion sent me a copy of my credit report and I have not received any written documentation from XXXX verify this account. 
I have been writing each bureau since XXXX and am not getting a response.
Consumer complaint received 2020-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BlueChip Financial (FL)

On XX/XX/XXXX a loan was granted in my name. I never applied for a loan aor any loan for that matter with this company. However, they have contacted me by phone and email trying to collect payment from me on XX/XX/2020. I returned their calls, but alas, they do not have voicemail. I wrote them a kind letter stating that I did not apply for a loan with them. They sent me documents that ask for my personal info, including my bank account info ... red flags there ... I have yet to reply or fill anything out pertaining to this. They say that I am a victim of fraud, and I need to pay the loan regardless. The loan amount is for XXXX. 
I have not signed any documents, or provided them with any of my financial information. 
It really sounds like they are fishing for my personal info ... .. 
The Company /Loan provider is Spotloan They have not provided me with any documents with my supposed signature ...
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2023-04-07
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Amerihome Mortgage XXXX XXXX XXXX XXXX SC XXXX XXXX Company Headquarters XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Good Day, We have had our mortgage through Amerihome since XX/XX/2020. They paid our insurance premium in XXXX of 2020. We later received a letter saying that our home owners insurance wasn't paid. Our insurance company sent them proof that we had insurance as well as a copy of the check that Amerihome sent to our insurance company to pay for the home owners policy. We got another letter this week stating that since we currently do not have home owners insurance they have purchased it on our behalf. It is nearly three times what our current policy charges. Once again our insurance company reached out to Amerihome to prove that we already have insurance and that it was pain in full in XXXX. Our insurance company ( XXXX XXXX ) has kept records of all the correspondences with Amierihome as well as copy of the check they sent to pay for the policy. 
When I spoke with XXXX XXXX, they said this was the second time that day they had the same issue with Amerihome from another policy holder and that they have had the same thing happen with Amerihome quite frequently. It's my concern that they are issuing home owners insurance in a fraudulent manner. As well as taking money from their clients escrow account without permission. 
Thank you