davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}
Consumer complaint received 2023-02-08
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 according to the Fair Credit Reporting Act XXXX  act account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX  card account XXXX has also. 

XXXX XXXX  account number XXXX has also violated my rghts XXXX XXXX XXXX XXXX account number XXXX has alo violated my rights XXXX XXXX account number XXXX has also. 

Departmnet of Edu Account XXXX XXXX XXXX XXXX has alot the account number is XXXX XXXX XXXX XXXX States I have the right to privacy.

15 USC 1681 Section 602A It also states a consumer Reporting Agency can not furnish an account with out written instruction.
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX 
This is a violation in the Fair Credit Act. 
Also, XXXX charged the account off in XXXX Since then, the payment history reported as no data on both XXXX and Equifax. 
Well, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. 
Also, the is a federal lawsuit with XXXX fraudulently reporting payment history. This company is aware. Yall have numerous articles on it. 
Any inaccuracies reported must be deleted according to the Fair Credit Act.
Consumer complaint received 2024-01-18
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. (PA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I bank at Wells Fargo. My debit card and phone were stolen on XX/XX/23. I filed a debit card fraud claim ( Claim ID : XXXX ) on XX/XX/23, for unauthorized charges due to a stolen debit card. During the about XXXX hour time frame I was not aware I didn't have my card, XXXX attempted unauthorized transactions occurred and resulted in the loss of {$4800.00} from my checking account. I thought I had only lost my phone at first, but when I realized my card was gone as well I immediately called Wells Fargo customer service on my mother 's phone to cancel my debit card. I also filed a police report with XXXX XXXX Police Department which I will attach to this complaint. I will also attach my bank statement for the unauthorized transactions. I also changed my login credentials XX/XX/23. 

I was told the claim would take up to XXXX business days. I had to call Wells Fargo today ( XX/XX/23 ) to find out my claim was denied on XX/XX/23 and that {$1000.00} of the money I lost was not even included in the original claim because it was online transactions. None of the Wells Fargo staff I spoke to on XX/XX/23 thought to create a separate claim for the online transactions. One of the people I spoke to today ( XX/XX/23 ) had to create a separate online fraud claim ( Claim ID : XXXX ). Another XXXX business days for a claim that will probably be denied like my last last one. 

Another issue is that the amount the claims specialists told me I lost is not reflected correctly in my statement. The exact amount that I'm reporting was given to me by the claims specialists.
Consumer complaint received 2024-03-22
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. (CA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2022-11-06
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: Experian Information Solutions Inc. (AR)

I have disputed this twice and this was the day the dispute started on XX/XX/2021 because this was the date it shows it was delivered. They never verified these items, and they failed to delete these items from my credit report. 
I have never had any dealings with the companies listed below. After no response from XXXX, XXXX or Experian, i did further research on the companies listed below. These companies are not licensed in the state of XXXX which means they are attempting to collect on a debt illegally. Per laws ; Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1, and Section 605 B 15 U.S. Code 1681 C-2 These items have to be deleted off my credit report immediately due to the reasons stated above. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX On my credit report it also show these student loan accounts closed but they were paid off. They should be deleted off my credit report also. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (VA)

When it was time to repay my loans back in 2022 I was not in a position to do so because I was unemployed. I communicated and pleaded with the servicing company about my dilemma. I was in constant communication that I was seeking out employment but not able to secure anything fast enough. Due to the harassing calls day/night I had no choice but to make sure they knew I was doing everything I could to find a job to begin paying the loans back. The only options that were available were XXXX XXXX monthly payments which I couldn't afford due to unemployment. Even with employment it was a stretch of anyone 's imagination. I was constantly being handled and threatened about further collections if I didn't pay by this last rep we were dealing with. My mother was even willing to help but not at {$900.00} a month. The last representative that I gave permission for my mother to speak with wasn't trying to help us at all. She was cold and had no compassion to help me. She even asked how was I able to get the loans in the first place. I found that to be very offensive considering she wasn't the underwriter or lender. I even lost my dad around the time the loans were transferred and have been suffering with grief, XXXX and XXXX because of all this. The loans have now been transferred to an attorney 's office, XXXX XXXX XXXX XXXX No loan modification was offered knowing that I had no income and my mom was willing to help pay a reasonable amount until I was able to get on my feet. This has been the fight of my life. I pray no one has to go through what I have experienced and hopefully none of the reps would have to be on the other side of the phone for their loved ones going through this.
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (FL)

I had a consumer installment loan from Aqua Finance, LLC which required that I make payments online through a website they established. Without any advance notice or warning sometime between the time I made my XXXX payment and my attempt to make my XXXX payment, the company suspended the website and I was unable to access my account. I made effort to locate a different website for the same company but was denied access stating that my account information did not exist. Repeated attempts to telephone in to the company, were unsuccessful. Subsequently I have had my account placed in collection. The company has not made it possible for me to resume making payments or accept payments despite their having suspended the only method of making payments to begin with without any advance notice or alternate options.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

THIS IS NOT A DUPLICATE COMPLAINT! 
Transunion is lying and they are violating my rights. It is their duty to treat every dispute as an accurate one and proceed with the proper investigation. We ARE NOT in litigation! There is no litigation pending and any prior litigation has been settled ( see attachment named signed documents transunion ). They took on this duty and as taking on this duty it is their grave responsibility to ensure each report is reporting fairly and accurately. They neglected my complaint and said we are in litigation together which is false. This is unfair and deceptive practices that violate my rights as a consumer. PLEASE TREAT THIS DISPUTE ACCURATELY, or I will be force to make a complaint to the states attorney general. 

THIS IS NOT A DUPLICATE COMPLAINT! 

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to 15 USC 1681 section 602 states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX, XXXX, TRANSUNION, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days.

UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW. This is not a duplicate complaint. I am clearly stating this complaint is not duplicate. Please do NOT IGNORE ME.
Consumer complaint received 2020-09-29
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: Freedom Mortgage Company (MA)

Issue with Freedom Mortgage. 

An online payment did not go through, and they failed to notify me of the late payment until it was over 30 days past, resulting in bad credit report. They refuse to acknowledge any glitch/error. Upon contacting them they now falsely claim that they contacted me. My phone logs shows they did not. They never left a voicemail, never mailed anything, emailed me. The only positive contact made was on XX/XX/2020 for a payment due on XX/XX/2020 that did not go through online.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monevo Inc (NC)

The company MONEVO INC has obtained my consumer report on XX/XX/2023 and XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to MONEVO INC to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Consumer complaint received 2020-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

I am a XXXX XXXX. Due to COVID, I was unable to make my mortgage payments on time for the month of late XXXX and XXXX. XXXX  XXXX  were cancelled. I was only assisting on 2 XXXX  XXXX  at best per week. I did not want a forebearance because I thought that it would hurt my credit score. I was under the impression that being late during the initial period of the COVID would result in no negative impact on my score. I was able to make the mortgage payments but late. I have reached out to loan depot on several occassions and asked them if they could remove the late payments from my credit reports due to COVID. They however, have told me no over and over again. I was only recently told about the second late yesterday. I value my credit and even during this pandemic, I have stayed strong and paid my bills. I have not received any unemployment or such. I am an XXXX  XXXX. Please help me with this.
Consumer complaint received 2024-01-18
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not give my permission to report this on credit report. 

I have reviewed my consumer report and there is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I'm requesting that the reporting of this information be blocked and deleted. All required fields of my FTC are complete.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have been unable to retrieve a credit report and a credit score through Equifax and it has gotten me so irritable and very upset. I need them to send me a copy of both my score and report!
Consumer complaint received 2024-03-22
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. (NY)

To whom it may concern : Account Name : XXXX XXXX XXXX Account Number : XXXX I received a copy of my credit report. This account is being reported incorrectly. This collection account is reporting a past due balance of {$1800.00}. According to the FCRA, I have the right to an accurate credit report. This debt collector also has not provided me with proper debt validation for this alleged debt. Please remove this account immediately from my credit report. Please provide me a copy new credit report reflecting this account removed upon completion.
Consumer complaint received 2024-03-22
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. (CA)

These accounts were charged off on the following date XXXX XXXX XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$230.00} and {$490.00} when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with EQUIFAX and XXXX but stats closed with XXXX which is also inaccurate. NONE of the information under my report matches. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX EQUIFAX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-22
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. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2023-03-10
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 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 XXXX XXXX XXXX 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.