davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
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. (GA)

I have sent numerous letters for the last 4 months regarding the late payments on my credit report and how they are inaccurate and not reporting correctly. I have asked that these late payments be DELETED if not verified. I have got no responds from either credit bureau regarding my dispute letters. FCRA states the credit bureaus and creditors has 30 days to respond to all disputes, If they do not respond or can not verify then the item needs to be DELETED asap. 

Items are listed below : XXXX : Account number : XXXX, Deletethe late payment dated ( XXXX XXXX XXXX XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days. Account number : XXXX, Deletethe late payment dated ( XX/XX/XXXX, XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX, XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX : Account number : XXXX, I was never late. Repair this account within 30 daysXXXX XXXX. : Account number : XXXX, I was never late. 

XXXX Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate Payment ( XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act the Accounts XXXX  XXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXX ACCOUNT # XXXXand XXXX they are reporting to XXXX and 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 2022-05-06
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. (NJ)

In accordance with the Fair Credit Reporting act the Accounts XXXX XXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXXXXXX XXXX # XXXX XXXX they are reporting to Transunion and 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 2021-03-08
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. (CA)

I have disputed XXXX XXXX XXXX  several times with Experian and they are still reporting erroneous and inaccurate information. I understand the FCRA laws and this is why I am filing a complaint with the CFPB now.
Consumer complaint received 2016-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I started the refinance process in XXXX 2015 with J P Morgan Chase and even after filing a previous complaint have yet to sign loan documents and complete the loan process.There has been no explanation not even from Chases executive branch as to why the process has taken so long. I have received letters on more than one occasion stating that I requested to withdraw my application, but never submitted such a request. After providing all documents perviously it was stated by the processor that certain items were n't received, although the mortgage banker had proof of submitting the documents. The privacy of my personal information has n't been taken into consideration. There has been no care or interest from the processor nor executive branch to assist the mortgage banker to bring this to a positive closure. It was previously stated that loan origination fees were XXXX % of the loan value now recently receiving the 3rd set of closing documents its XXXX %. It 's as if I 'm being penalized for complaining about horrible service and not being treated fairly. I refuse to believe that a large lending institution such as Chase who handle XXXX loans has such unethical standards toward lending practices. I would like to know how many loans that began when I initially started have closed in a reasonable amount of time ( I do understand every situation is different ). I am truly appalled at the thought that my ethnic background and the mortgage bankers as well are the catalyst for the delay. I would 've never imagined that my current lender would attempt to keep my rate high for their benefit and provide such horrible customer service. This has been a disturbing and a horrific experience to say the least! Please assist me with this inexcusable situation.
Consumer complaint received 2024-03-05
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. (NY)

To whom it may concern, I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning these inaccurate accounts below. 

XXXX XXXX Account # : XXXX Account # : XXXX I request urgent attention to rectify these disparities and they must ensure a consistent and accurate representation of my credit history across all bureaus. Failure to provide the exactness of reported information will result in further removal of these accounts as declared by the Congress in terms of accuracy policy.

As per FCRA Sincerely, XXXX XXXX
Consumer complaint received 2022-05-06
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. (VA)

In Accordance with the fair credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (VA)

In Accordance with the fair credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.
Consumer complaint received 2018-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

I files a complaint with you all ( CFPB ) on XX/XX/2018 against Merchants Credit Guide account # is XXXX about a bill they have in there office for {$120.00}. I got a response from you all ( CFPB ). I did not want to fight the debt anymore and called Merchants Credit Guide this morning asking to pay the bill and XXXX XXXX or XXXX XXXX and his email is XXXX told me because I had filed a complaint with you all ( CFPB ) THAT I COULD NOT PAY THE BILL. SO I'M HOPE AND PRAYING NOW YOU ALL CAN HELP ME!!! CAN Y'ALL PULL THAT COMPANY TAPES AND LISTEN TO THEM BECAUSE THE SAID ALL CALLS ARE BEING RECORDED. AND YOU WILL SEE THAT THEY DO LIE. Like that lied in the RESPONSE they gave y'all with my first complaint that I made with y'all about them. My first complaint number with y'all on them is XXXX. I'm just trying to pay the bill and get this matter done and over with.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (GA)

I Response to The dispute I Sent out XX/XX/2022. World Finance Hasnt Showed Proof that The Alleged Accounts/Transactions Dont Qualify! Which is False. They still havent shown anything that I Gave them Permission To Report My Nonpublic Information To an non-Affiliated Third Party. Thats identity Theft! Do they know how the FCRA Works and who it protects Im an Natural Person Im an consumer! Your company is in Violation of 15 USC 1692f and its Subsections.

Who are they to tell me their going to keep reporting Fraudulent information accounts will continue to be furnished to the credit reporting agencies ( Agencies ) for a total of seven years from the date of first delinquency per our obligation under the Fair Credit Reporting Act ( FCRA ) If its and obligation then why are you reporting False and Inaccurate information which I dont consent nor give permissible Purpose. Saying that I Allegedly owe is Very deceptive per 15 USC 1692j. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I still havent been shown any Proof
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

My name is ( XXXX XXXX ) I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my consumer report. 

XXXX, Equifax, XXXX, XXXX and XXXX XXXX broke the law in accordance with 15 U.S.C 1681a ( e ). Bankruptcy information is excluded from consumer reports pursuant to 15 U.S.C 1681c. I have the right to privacy of non-public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I'm exercising that right demanding the each CRA mentioned above permanently remove the bankruptcy from my nonpublic information on my consumer report.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (ND)

I recently applied for a wells fargo credit card account and upon receiving a letter by mail I was informed that my application had been denied because of a previous wells fargo checking or savings account that was not maintained as agreed. I contacted wells fargo and made them aware that the account referenced was opened fraudulently while I was incarcerated and that wells fargo identity theft team and online fraud resolutions team had dispositioned the account as fraud on XX/XX/2020. I also provided them with the case number ( XXXX ) for the disputed account. I was then transferred to the overdraft dept and explained the situation and was told that an investigation had been opened into my claim and would take 14 days to be completed. I explained to the rep that an investigation had already been conducted and that the problem was that their system was still holding me responsible for the fraudulent account and that it was preventing me from being approved for any wells fargo products. The rep told me that it didn't look like Fraud to her and proceeded to tell me that it didn't matter that an investigation had already been conducted absolving me of all responsibility. I explained to her that I had been the victim of identity theft while I was incarcerated. I believe that wells fargo is penalizing me and holding me responsible for an account that has already been ruled as fraud by their investigations team. I am requesting that any overdraft or charged off account still being held against me be removed from the system so that I am not penalized for an account that I did not open and so that I am permitted to apply for wells fargo products in the future without.
Consumer complaint received 2024-03-05
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. (MD)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-05-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC. (AZ)

I was conditionally approved on a XXXX loan to refinance my existing loans and other debts, but the underwriting department dragged its feet and went past the first lock period, they then informed me that they would extend the rate lock period but they did not actually extend it as they informed me a few days later that the extension had expired and that they could no longer extend the rate or honor the original rate. I believe this is a clear case of greed and incompetence, especially since my original 45-day rate lock-in was at 2.75 % on XX/XX/XXXX, XX/XX/XXXX was the XXXX day at which time I was offered an additional 10-day. On XX/XX/XXXX just three days later I received an email from my Mtg Banker, informing me that they would not honor the rate lock and tried to bump me up to the following rates by paying additional fees : 4.00 % at XXXX XXXX or {$10000.00} XXXX of {$1900.00} 4.250 % at XXXX XXXX {$3100.00} 4.625 % at XXXX XXXX {$510.00} After learning of this I told them that they were unethical and that I would be filing a complaint against their firm.
Consumer complaint received 2021-03-08
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. (TX)

Letters were submitted to all 3 credit bureaus ( Transunion, XXXX, & XXXX  ) on XX/XX/21 regarding inaccurate information listed on my credit report. As to date, there has not been a response to the verification inquiry/dispute. 

The verification request was in regards to XXXX and XXXX XXXX. XXXX XXXX is listed on my credit report multiple times. 

As you know, according to FCRA the credit bureaus have 30 days to verify the debt or remove them. It has been more than 30 days and there has not been a reply to my request for verification and my credit report suffers due to these inaccuracies.
Consumer complaint received 2022-05-06
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. (FL)

N accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the Fair Credit Reporting Act the following account has violated my rights XXXX XXXX XXXX XXXX During the pandemic I got into some financial trouble since I had an unexpected lose in pay and was given a lower payment arrangement to help me until I can regain my finances I met every required payment with them, and they still reported my payments negatively as not paid as agreed. Prior to this situation I had never missed a payment and was always on time. It's not fair that my credit bureau has been affected as a result of a situation that was not my fault and I met the payment requirements they put in place. I did try and call them and was advised there is nothing they can do to assist me. I really don't feel that offering a payment arrangement so I can catch up and then still reporting me as not paid as agreed is a fair option, and it doesn't help at all.
Consumer complaint received 2021-03-08
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: WELLS FARGO & COMPANY (CA)

-Hello I keep disputing with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-Wellsfargo -Brands XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (NM)

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.

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 2022-05-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CADENCE BANK (MS)

As a couple my spouse and I purchased a house. He is on the mortgage, and I am on the XXXX Deed, therefore, I own half the property. We have been divorced for XXXX years and under court order he was to make the house payments and utilities until the house sold. The house has not sold. XX/XX/2021 was the last payment he made on the mortgage. I was in the hospital for 40 days and did not know until I was released that he stopped making house payments and utilities. The mortgage company will not give me any information because I am not on the mortgage and I was told I could not purchase the house because I already own it! They will not tell me how much time I have before having to remove myself and my belongings from the house. They will not work with me on a forbearance or give me time to try to sell the house before foreclosure. I have made XXXX payments, which they accepted and ran through my bank account, but I can not afford to keep doing this. I am XXXX XXXX XXXX and only draw {$810.00} in social security benefits per month after XXXX supplement is deducted. I can not find anything to rent or purchase that I can afford and there are waiting lines for assisted housing. I am going to be living in my car! I need help! I am XXXX due to XXXX, XXXX and XXXX resulting from the XXXX of my son. I am unable to work for any substantial or scheduled amount of time. I feel the bank is discriminating against me since I own half the house, but can not get any help or information from them.
Consumer complaint received 2022-05-06
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. (AR)

In accordance with Fair Credit Reporting Act XXXX  account # XXXXXXXX XXXX XXXX XXXX the original creditor XXXXXXXX XXXX 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.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions