davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Global Lending Services LLC (CO)

Its been over 30 days and creditor has not updated they have not supplied this information and they must I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAAN status ( Paid as agreed, never late ) Under federal law they had 30 days to complete the investigation.
Consumer complaint received 2022-09-06
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 about the Heroes Act passed by the government. Per the act, Credit Agencies were not allowed to report negative items during the COVID-19 Pandemic, plus an additional 120 days. The attached accounts violate that act and violate my consumer rights.
Consumer complaint received 2022-04-19
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: ALLY FINANCIAL INC. (NC)

I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Consumer complaint received 2023-08-17
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. (CT)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Donut, Inc. (OR)

Donut, Inc is a XXXX " XXXX '' account that converts USD to a stablecoin and in turns lends those funds to the open market for a 6 % return on your money. It heavily promotes its safety, level of liquid reserves, over collaterilization and diversification. I currently have $ XXXX in this companies accounts for which they have frozen 95 % of my money and 100 % of ALL USER 's money claiming that 95 % of there assets are held in XXXX XXXX which was affected by the XXXX fall out. DOnut also maintains that they have 100+ % liquid reserves ( XXXX XXXX XXXXXXXX ). The alos promote 125 % over collateralization. They make claims like " Our partners lend your dollars at high interest rates through a global, decentralized pool of borrowers. We use highly collateralized platforms such as XXXX and XXXX to ensure your money is secure. '' They have a lenghty set of terms bu in # XXXX of the XXXX XXXX XXXX it says " If you don't agree to these changes or no longer wish to abide by these Terms of Use, you can let us know and we'll close your account. '' - but they won't give anyone their money back.

Additionally, and still now, on the front page of their site they still promote, " Add or withdraw money anytime. No lock-ins or annual commitments. '' It's now been 2 months and everyone 's money is locked up, not earning anything and they continue to claim they have over 100 % liquid reserves. They only agreed to release 5 % of customer 's deposits about a month ago. So 95 % is still locked up.
Consumer complaint received 2023-08-17
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)

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account : XXXX Inquiries : CITIZENS BANK MONTANA XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (FL)

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Dept of ed/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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Updated Response for Case # XXXX : On XX/XX/XXXX, I wrote my XX/XX/XXXX rent check for {$1200.00} ( see attached XXXX. ) I wrote the check from XXXX Bank. The check was deposited at the Wells Fargo ATM branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. On XX/XX/XXXX, Wells Fargo took out {$2200.00} without my knowledge ( see attached XXXX. ) I immediately reported this to XXXX XXXX XXXX XXXX and Wells Fargo XXXX XXXX XXXX. Wells Fargo took out XXXX XXXX dollars over and caused my bank to go into overdraft by XXXX XXXX dollars. I opened my Wells Fargo Bank Account in the year XXXX. Wells Fargo shut down my account ending in XXXX in XXXX without my knowledge and for No Reason. This was only a checking account. Wells Fargo did the same thing to my account at Wells Fargo with incorrect amounts of money taken out and placing me in overdraft as they did on XX/XX/XXXX ( see attached XXXX. ) Rather than fix my account they shut down my account in XXXX for No Reason. XXXX XXXX is repeating the same actions with my XXXX checking account taking out incorrect amounts of money. I tried to reopen my account or open up a new account with Wells Fargo on XX/XX/XXXX, and they said they will not do business with me by opening up a basic checking account to deposit my government social security check as I am XXXX  XXXX and this is my only income ( see attached XXXX. ) Wells Fargo is treating me this way because I am XXXX.
Consumer complaint received 2023-08-16
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. (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.

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 2022-10-17
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. (CA)

When I reviewed my credit report, I discovered that some information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX Balance Owed : {$59000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$26000.00}
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: EQUIFAX, 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 USC 1681. 

The letters are stated with items and issues.

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 2019-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 



XXXX XXXX Reported : XX/XX/2019 {$400.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$660.00} XXXX XXXX XXXX Reported :XX/XX/2019 {$170.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$1000.00} Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-02-24
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. (OR)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-01
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. (PA)

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 



XXXX XXXX Reported : XX/XX/2019 {$400.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$660.00} XXXX XXXX XXXX Reported : XX/XX/2019{$170.00} XXXX XXXX XXXX Reported : XX/XX/2019 {$1000.00} Grave errorsfalse claims and reportingsI want these accounts removed  immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again  formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company,  seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-10-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

This is a followup for claim No. : XXXX Per the resolution of the claim above, the escrow company accepted responsibility to pay the penalty that we incurred for not paying our taxes on time. 
To date we have not received any payment. 
After several attempts call them, with no response from anybody, I sent them emails, attached is their response saying that they are still collecting documents. Although we submitted all documents in the above referenced claim .... 
For any additional questions please feel free to call me at XXXX