davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022 I received a call from my bank 's local branch BB & T stating they had been notified by the fraud department that there had been fraudulent activity in my personal account where a check was cashed by an individual in Texas. I immediately went to the branch and filled out an " Affidavit of Fraudulent Activity '' which was sent by the bank representative to their Fraud Department which later they stated they never got is so I went to a different branch and the Vice President emailed it again. I later confirmed with the Fraud Dept they had received the affidavit and an investigation was going to be conducted but due to the type of transaction it may take a while. I followed up for month until I was told that the case was closed and they had not found any fraud and no reimbursement was due back to me and never received any correspondence from them stating so. Numerous people had the same issue and they were blaming it to technical issues during the merger ob BB & T & SunTrust.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I filed a dispute with Capital One which is Claim # XXXX. The amount was {$180.00}. The reason was the merchant was not responding to my inquiries about the product not being as advertised. On XX/XX/29, Capital One asked me to provide evidence I reached out. I responded the same day via email. On XXXX, they deny my dispute saying I did not provide proof. I called in and was told they never saw my response and I confirmed the email and it is correct. They stated they would still take the money out. I want them to reconsider because I did send in what they asked! They acted like they could not help me. I have attached proof that I responded timely to their request to the correct email and that they claim that I did not receive it and just denied my claim. Also they did not give a due date for when this info should be submitted to them. So I still have the ability to send in what I ALREADY sent in. I sent it to them again today XXXX via email AND FAX. The customer service person kept telling me rudely that they did not receive my response.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error. 
The attached payment confirmation from the creditor further supports my position that the payment was made on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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. (OH)

In accordance to the Fair Credit Reporting Act, XXXX XXXX XX/XX/XXXX, has violated my rights. 

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

15 U.S.C 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
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-01-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I am a 100 % XXXX XXXX so I am exempted from paying property taxes my taxes went down from XXXX to XXXX but my monthly mortgage payments never decreased. In XXXX or XXXX of last year I switched homeowner insurance companies so it went down about XXXX so because I didnt send them my refund check from my previous insurance company they said thats the reason why my payments didnt go down. They also charged me a late fee for there error when they didnt receive my payment on time and placed it on my credit report an invention was done and they fixed my crud but didnt refund the late fees.
Consumer complaint received 2023-01-29
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: SANTANDER HOLDINGS USA, INC. (NC)

Name : XXXX XXXX XXXX XXXX XXXX Santander Consumer USA This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. Santander is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-01-21
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. (NJ)

DO NOT CLOSE THIS COMPLAINT FOR ANY REASON IM TIRED OF GETTING MY COMPLAINTS CLOSED FOR NO REASON. I am making this complaint myself. about accounts that do not belong to me that the credit bureaus have ignored my letters that ive sent in.
Consumer complaint received 2023-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

When I reached out to LVNV FUNDING about a debt they claimed I owed, I requested a debt verification. To my surprise, I received a letter stating that the debt had been verified, but no supporting evidence was provided. I immediately disputed the debt and requested written proof, but it's been XXXX months and I still haven't heard back from them. Every time I try to follow up, I receive a letter confirming the validity of the debt, yet they still fail to provide any proof. The total amount in question is {$900.00}, {$770.00}, and {$340.00}. Despite my repeated attempts to resolve this, it seems LVNV FUNDING is unwilling to provide the evidence I need to verify this debt. It's frustrating and I'm determined to get to the bottom of this.
Consumer complaint received 2022-09-09
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: Southwest Credit Systems, L.P. (IL)

On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Southwest Credit Systems, L.P. ( " SWC '' ) detailing their actions harming my consumer reports. I have never given SWC my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. On XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from " XXXX XXXX '' in their compliance department that specifically states " we are not obligated to provide a signed agreement ''. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly SWC is 100 % required to communicate with me prior to sharing any information with a nonaffiliated third party. SWC failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. Precedent has already been established by the The United States of Appeals, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of SWC. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (MA)

XXXXTo begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).

PLEASE SEE THE PICTURES ON ATTACHMENTS
Consumer complaint received 2023-03-02
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. (NV)

XXXX XXXX XXXXXXXX I inquired about debt consolidation loan on the companies web page clearly states they do a soft pull that does not effect your credit report. This is a False and Misleading statement on their web page, they do a hard inquiry and it has effected my report.