davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
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 — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc. (NH)

GM Financial reported to the credit bureau 's ( XXXX, XXXX, and XXXX ) account 30 days past due in XX/XX/2017. I am the co-signer on the account and I was not notified by GM Financial that the payment was delinquent, thus I was not given the opportunity to make the payment so the account did not become past due ( XXXX ) days. I was not aware of this delinquent payment until I was alerted by XXXX XXXX that my credit score had changed. When I investigated to the cause of the drastic decrease of my credit score I discovered it was related to GM Financial in regards to the loan I was the co-signer on. I immediately contacted GM Financial customer service by phone and payment was made to account for past due amount. I asked the customer service representative why I was not contacted ( my phone number is on the account ) to notify me that the payment was 30 days late, and I was told that the primary person on the loan had been contacted by phone and a payment arrangement had been made, and that XXXX XXXX policy is that once a payment arrangement was made with the primary contact no further phone calls are made. My credit is now effected for 7 years for a late payment even though I was never contacted giving me the opportunity to make the payment before it was reported to the credit bureau 's. I had a very good credit score until this delinquent payment was reported by GM Financial to the credit bureau 's. Between phone calls with GM Financial and contacting the credit bureau 's, I have spent several hours to dispute this and request to have this derogatory report by GM Financial be removed/forgiven. My disputes have been denied and you are my last hope of fairness to repair my credit to the very good standing I had prior to this one instance. I believe that GM Financial violated my rights to protect my credit rating by NOT contacting me.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX  is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid.

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and Equifax so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED.

XXXX  is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal.

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately.

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and Equifax reports.

Both of our records ( mine and XXXX  's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale.

***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX  on my credit reports.

On XXXX, XXXX  changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On Equifax, XXXX  reported the Current Status as a current Charge Off/Referred to Collections making it appear new
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I have filed complaints previoisly with Wells fargo, but it seems to Call on deaf ears. I took Wells fargo to court 5 years ago with the prsiding judge XXXX of XXXX countycourt. The judge ruled in my favoriser. Wells fargo has not acted in favor of the judge decree. I have trid to work with Wells fargo to rectify the problem but they have no intention of rsolution. This is WhY i had to take them to. Court 5 years ago. They have a sale date of XX/XX/2018 and have repeatedly denied all loan modification temps. The have misapplied, many payements and i want this rsolved want them to stop the foreclosure shrifs sale and reste my issue, if not i will take them to court as i did 5 years agonisant my loan either paid off due to their lack of due diligence or at leaste reiinstate my loan back to it's original amont of XXXX
Consumer complaint received 2022-08-16
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)

I am a natural person. I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. Under which they have violated my consumer rights multiple times. I demand the accounts listed below be removed According to 15 USC 1681 which states : I have the right to privacy and I did not give Equifax written permission to furnish these 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 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

XXXX XXXX  sent me a letter indicating I owed {$530.00}, the original creditor listed as 'Paypal Inc. ' The letter from XXXX   referenced : Client Account # : XXXX XXXX   Account # : XXXX I have never had a credit line with Paypal ; I contacted Paypal and inquired with respect to this debt collection attempt ( and provided the above account numbers ) but Paypal was unable to locate any record of a credit line on my account. 

This seems to be a fraudulent debt collection attempt. The debt appears to be fictitious. 

Thank you for your help, XXXX XXXX
Consumer complaint received 2022-08-16
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. (CA)

I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Remove Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Inaccorance with the Fair Credit Reporting act XXXX XXXX Account 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 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLD KEY CREDIT, INC. (FL)

I contacted XXXX  XXXX via telephone on XX/XX/XXXX and by mailing a dispute letter to this company requesting a reasonable investigation regarding a negative account from XXXX that they are reporting in my credit file which the Co. ignored on or about XX/XX/XXXX. 

Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Consumer complaint received 2018-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CA)

XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX area at XXXX. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds. 

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing. 

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me. 

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found. 

The company stated that the XXXX has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me. 

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected. 

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem? 

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help. 

Please help me. 

XXXX XXXX
Consumer complaint received 2015-12-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Breit Law Office, P.C. (SD)

I do not remember this debt and, have been the victim of ID Theft twice. ( Police Reports are on file ). A Debt Collection Attorney contacted me, I responded in the allotted time and requested information on the debt. The only thing I received was, " Provide Proof of your Social Security Benefits ''. So, I do not know anything about this debt. We have debt. My wife is XXXX. Why this attorney wanted my social security information is beyond me as it can not be garnished.
Consumer complaint received 2022-08-16
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. (ID)

In accordance with the Fair Credit Reporting act XXXX Account numbers 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Transaction date XXXX amount {$120.00} I purchased tickets that I never received I disputed with my bank Chase that gave ne provisional credit at the time of complaint XXXX and now XXXX I receive s letter stating my account is going to be charged back {$120.00} This is unfair to me as a customer of the bank which is my money that is being taken from me on fraudulent charges at this point now. I paid for a service that I never received.
Consumer complaint received 2019-01-24
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. (NC)

I have disputed fraudulent accounts from XX/XX/XXXX - XX/XX/XXXX or accounts that need to be removed on my credit report for over years to XXXX  and Equifax and nothing has been done. 

XXXX  : XXXX XXXX XXXX {$230.00} - This was fraud XXXX XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XX/XX/XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed Equifax : XXXX XXXX {$320.00} - Fraud account Allegacy {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it removed.
Consumer complaint received 2023-04-01
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. (FL)

Dear CFPB, I have reached out to Transunion on numerous occasions via disputes letters asking for validation of the public record listed on my credit report. Repeatedly, Transunion has in turn sent numerous correspondence via us mail stating the public record is accurately reporting. I have concerns with the public record because it shows a last updated date of XX/XX/XXXX. My questions are, is this the last time the courts updated this public record? Or was this the last time Transunion updated the credit report? Also, I have sent various pieces of documentation showing Transunion that their information listed is inaccurately reporting. Transunion has failed to conduct a fair and reasonable investigation into this matter. Transunions misconduct has caused great harm to my credit report. By Transunion reporting this inaccurate information, it has made my ability to obtain new credit challenging and has taken away my opportunity for a fresh start. The documentation I have shows a last updated date of XX/XX/XXXX while Transunion shows XX/XX/XXXX. This is a discrepancy and Im asking for the immediate deletion of the public record as well as pay a {$1000.00} fine to me for violation of the FCRA. My credit report should be 100 % accurate at all times. 

Failure to remove the inaccurate information will force my hands to continue pursuing legal action against Transunion in Federal or state court.

Respectfully submitted, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

In accordance with the Fair Credit Reporting act XXXX Account numbers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have state tax lien reported on XX/XX/2010 that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help
Consumer complaint received 2022-08-16
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: RS Clark and Associates, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

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
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Experian informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. Experian still states that its been reported through XXXX XXXX or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.
Consumer complaint received 2019-01-24
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: EQUIFAX, INC. (WI)

XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter that Bank of America made a decision and closed my account on XX/XX/2018 I attempted to call and ask why and was told me it was a business decision after transferring me from risk department to customer service, they hanged up on me twice. According to the letter, my balance which was over {$5600.00} was supposed to be refunded to me in 10 business days. I received another letter stating that my balance will not be refunded to me. I went into their branch in XXXX XXXX and was told that they have no idea and not responsible for the note. They called their so called risk department for me and i was told that my balance will not be returned to me and refused to tell me why. I work hard for that money and it is unfair and unheard of that my balance should not be returned to me. Please help.
Consumer complaint received 2022-08-16
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. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.