davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX Credit Limit - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX I submitted a Fax to Early Warning Services requesting a copy of my consumer file, because I had been denied a new checking account at XXXX XXXX XXXX XXXX. I received my file and immediately noticed a problem- an old XXXX XXXXXXXX XXXX checking account had been reporting as " Closed for Cause '', and XXXX XXXX explained it is a negative account status that is affecting my ability to open a new account. Early Warning Services has the meaning of " Closed for Cause '' clearly stated within the consumer profile, defining it as " the account was not handled in a manner consistent with bank policy ''. However, I was a long time customer of XXXX XXXX XXXX and did not have any poor history with them. On XX/XX/XXXX I Faxed a letter to Early Warning Services reporting the inaccuracy. I have attached the Fax Confirmation from the XXXX store showing it was successful. After not hearing from Early Warning, I called them directly on XX/XX/XXXX and spoke with XXXX. XXXX confirmed receipt of the XX/XX/XXXX fax and said they were still investigating, and that they have 30 days. The Fair Credit Reporting Act states that disputes must be answered in 30 days or the item is required to be removed. I waited well over 30 days to call again to give Early Warning Services ample time to complete the investigation and contact me. On XX/XX/XXXX I called Early Warning a second time and spoke with XXXX. She confirmed that the notes on XX/XX/XXXX state the document was confirmed received, but she had no update on my case at all. She escalated to a Supervisor and said that a supervisor named XXXX would call me in 24-48 hours. I never received a phone call, and at this point I am tired of calling E.W.S. They have broken the law and have been giving me the runaround.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NV)

I ordered a product with free shipping. The shipper XXXX  XXXX tried to collect an additional XXXX from myself after. 

In XXXX I got a collection letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I an responsible for shipment. They only send me a document I received the shipment. 

Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but I only got 2.

I am asking for validation on the originating documents that I agreed to pay. XXXX  XXXX, nor XXXX provided them to me.
Consumer complaint received 2023-02-01
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: FIRST PORTFOLIO SERVICING INC (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/XXXX, I received both a phone message and email from my credit card company ( Union Bank of California ) about some potential unauthorized charges on my credit card account. I then found that my credit card was missing so I contacted my credit card company on XX/XX/XXXX to report that indeed, there are many unauthorized charges on my account. The card was then closed and a new card issued to me. The credit card company also removed all the unauthorized charges. 

Then, the same fraudulent charges that appeared on XX/XX/XXXX ~ XXXX reappeared on my account on XXXX of XXXX. I then called the credit card company on XX/XX/XXXXXXXX  and re-reported this issue. I called back again on XX/XX/XXXX to check on the status. I was told that the results of their investigation deemed all charges to have been authorized and that the case was now closed. 

All of the fraudulent charges appear to have been made in the XXXX XXXX area after a single authorized purchase during a day trip to XXXX XXXX from our residence in XXXX XXXX. 

The last authorized charge made before fraudulent purchases were made = XX/XX/XXXXXXXX  at XXXX XXXX XXXX XXXX XXXX for the amount of {$26.00} The 11 unauthorized charges that occurred between XX/XX/XXXX and XX/XX/XXXX after the final authorized purchase listed above = XX/XX/XXXX at XXXX # XXXX XXXX  for the amount of {$80.00} XX/XX/XXXXXXXX  at XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX  at XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX  at XXXX XXXXXXXX by XXXX for the amount of {$5.00} XX/XX/XXXXXXXX  at XXXX # XXXX XXXX  for the amount of {$80.00} XX/XX/XXXX at XXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX for the amount of {$220.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX for the amount of {$220.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00}
Consumer complaint received 2022-01-12
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)

Wells Fargo Bank issued me a SECURED CREDIT CARD back in XX/XX/XXXX. It has taken until XX/XX/XXXX to receive a response letter from them telling me that the CREDIT CARD IS NOW UNSECURED. However, XXXX CREDIT BUREAU is NOT reporting this credit card on my report. 
I have been back and forth with BOTH companies. They claim ( XXXX ) that I have to go back to Wells Fargo Bank. So I did, they called there back office. Which said, that we are reporting it. I looked on the report and filed a dispute with XXXX and they sent me right back to Wells Fargo Bank. 
Now its XXXX and I want this agency to investigate it the fullest extent of the law. Thank you all for your efforts!
Consumer complaint received 2022-08-22
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)

I ordered a copy of my report from XXXX on XX/XX/XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX, as I believe these accounts are reporting in error.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

I have Comenity cards with Victoria 's Secret and Express. I have been trying to get into my account or call to edit my payment amount so it will not overdraft my account. The sites have been down for days and their phone number is not working. I should have been able to change the amount, and I was denied the opportunity.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (CA)

I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. 

XXXX, XXXX has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. 

TD bank/targetcred has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. 

I have done my part I need these accounts removed.
Consumer complaint received 2022-08-22
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-22
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

I am continually getting emails from TD Bank saying that I opened an account with them. Now I have gotten notice that I have opened a debit Visa card with them. I have never opened any account with TD Bank and continually call them trying to get them to stop this. They say they will transfer me to the fraud department but I have been on hold for hours with their fake fraud department. No one ever answers.
Consumer complaint received 2022-08-22
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. (CA)

This is XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021
Consumer complaint received 2021-11-26
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: I.C. System, Inc. (DE)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting :
Consumer complaint received 2021-11-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (TX)

I loaned XXXX from cash net, they removed payment every week at high interest rate.. when I realized the money was gwtting too much they remove, I decided to make the full payment.. On XX/XX/2021, I called the cashnet USA XXXX to ask for the full amount I owe. Which includes all charges, interest and all. The representative told me XXXX ( their calls are recorded to confirm this ), I made the full payment the representative quoted me after severalconfirmation that was all the payments. Weeks later I got a call that i am owing almost half of what I paid. I have called them several times to address this issue and nobody as been able to resolve this. Twice I was told they will file a complaint and call me back but all they do is call me back to ask for their payment. I simply asked your company to listen to the call and verify I made all the payment but they said sorry the lady may have made a mistake. I consider this fraud by trying to collect more from me because their interest will not be as much since I paid the full early. Pls help me intervene.
Consumer complaint received 2022-08-22
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Affirm Holdings, Inc (PA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX  days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union (WA)

XXXX XXXX 's online banking system has flaws in its design on how to handle the XXXX account- if the principle balance is zero, the account summary page will simply show balance as {$0.00}, even there is some payment dues such as annual account fee or accrued interests on the account. Those payment dues only show up if customer purposely click the 'Pay ' button at the account. This is a very bad system design and failed to inform customers properly and timely. Why would a customer click 'Pay ' button on account balance as ZERO in first place?! 

This flaw in their system caused me late payments on annual fees and accrued interests in my XXXX account back in 2018 XXXX, XXXX, and XXXX, each time it was a {$5.00} payment dues, I did pay it immediately upon I got the notification from XXXX XXXX in other ways ( letter, phone call ). But still, XXXX XXXX reported these as late payments to credit bureaus, which adversely damage my credit scores and darken my financial futures. I have never missed any mortgage payments and XXXX principle / interests payments with XXXX XXXX, but only these XXXX occurrences which were mainly caused by their banking system 's flaw failed to serve their customers. 

I asked them to fix the errors on my credit reporting, and ask them to improve their banking system to better/ transparently serve their customers. Their responses insisted that this was customer 's fault and they reported to credit bureaus correctly, which I totally disagree. As a matter of fact, XXXX XXXX changed their process a little bit after 2018, and will never charge interests on annual fee payment anymore, but still, their online banking system not showing any balance of those hidden payment dues at the account summary page, unless customer click 'Pay ' button, which is very misleading as usual, image why would customer click 'Pay ' button if they see the account balance shown is {$0.00}? 

I want to raise my concern to CFPB, so that the government agency can push them correct their system design, and fix the credit reporting they did to their customers which were truly caused by their banking system 's design failed their fiduciary mandate.
Consumer complaint received 2022-08-22
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
.I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : XXXX