davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, | sent a request to CAPITAL ONE BANK USA NA to validate the account that was was opened on XX/XX/XXXX with a balance of {$620.00}. To this day CAPITAL ONE BANK USA NA has failed to answer my request as they are required by Federal law and I'm very concern because| believe this accounts was never late.
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX  years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX. I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Consumer complaint received 2021-08-01
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 XXXX has removed all late payments from XXXX XXXX XXXX XXXX after conducting an internal investigation. I attached the letter here. I also attached my bank statement from XXXX  XXXX XXXX proving I was never late with XXXX XXXX XXXX XXXX. I have also attached a copy of the Consumer Report I filed with Federal Trade Commission against XXXX XXXX. I have also attached my proof of identity. And finally, I attached a Cease and Desist against XXXX XXXX. XXXX XXXX is to cease and desist all forms of communication with me though any and all mediums. The harassment from XXXX XXXX has to stop!! A consumer report is in fact a medium. Which means it's a communication. A deletion of XXXX XXXX account is required because by continuing to report this account on my consumer report it is a indirect communication.
Consumer complaint received 2021-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-21
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. (PA)

I already reached out to the Experian for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1. ) XXXX XXXX  XXXX. Date of inquiry XX/XX/XXXX 2. ) XXXX XXXX  XXXX. Date of inquiry XX/XX/XXXX 3. ) XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 4. ) XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 5. ) XXXX XXXX Date of inquiry XX/XX/XXXX 6. ) XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Afternoon, I am reaching out because there is a collection account on my Transunion and XXXX Report. The account by XXXX XXXX XXXX is a fraudulent account. I have disputed this via Transunion, XXXX, and through themselves. I haven't received a response from them at all. I am requesting that this account be removed from my credit report asap. I have attached my police report. My next step is to retain an attorney to get it removed and to sue the bureaus. 

Also, this is me, XXXX XXXX XXXX, submitting this dispute. Everytime that I submit a dispute through here, they try to say that it isn't me. This is me and I would like this resolved asap.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (TX)

I have tried to reach XXXX XXXX XXXX to discuss this matter since XX/XX/XXXX with no response. Someone from their A/R department claims they will call me back. I have received collections notices from AmerAssist regarding an outstanding bill for {$130.00} that no one in your office seems to know what this bill is for. 

I have attached proof of insurance coverage from my previous employer for the months of services rendered listed in the documents provided by AmerAssist. 

I have also attached a notice of separation due to Covid-19 from my previous employer. I also recall notifying XXXX XXXX XXXX that my dental coverage would be ending on XX/XX/XXXX and we would not be able to continue receiving dental services from you since your office does not accept XXXX ( both my son, XXXX & I were covered under XXXX Dental through XXXX effective XX/XX/XXXX ).
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (TX)

On XX/XX/2021 & XX/XX/2021 I sent certified letters to Synergetic Communication , Inc and they have completely ignored my request for validation of the allege debt this company says I owe. I have asked for them to cease all collection attempts until they have proven that they have the authority to do so. I also asked them to provide me with with supporting documents or contact each credit bureau and tell them to remove/ delete the allege account..

It is now 3 months later and still I have yet to be taken serious.
Consumer complaint received 2021-07-21
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)

I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.
Consumer complaint received 2024-09-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-05
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per XXXX XXXX XXXX upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-05
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2022-09-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX 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 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 2022-10-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is completely violating my consumer rights I have been nothing but a loyal customer. To have this type of mistake on my report is damaging my life. An investigation was completed but proof ever rendered only a statement? Under the FCRA 15 USC 1666B ( a ) it states : ( 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./ When no proof of late or missed payment can be verified XXXX XXXX is in violation of my consumer rights. As you are directed to have reasonable procedures
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information.

Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX - Took 0 % financing offer for dental work = {$900.00} First payment XXXX min {$35.00} XXXX was due XX/XX/XXXX, and the XXXX of each following month. 
I made these payments through online banking via XXXX XXXX XXXX XXXX : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$53.00} In XXXX I received a bill showing a balance due of {$53.00}. I called Customer Service and was told my XXXX payment had not been received, so I went to the Credit Union and got the proof of payment that showed the check had been delivered on XXXX. Since it had not been cashed, I put a stop payment on it. I then called and paid it by phone using my debit card and the rep waived the late charge because I had made the payment although they were not showing it. At this point I believed my account was paid in full. 

In XXXX I received another bill, for a late charge of {$29.00}. I clearly did not owe this, but just to close the matter, I bought a money order and mailed it on XX/XX/XXXX. Again, I thought this matter was closed. 

But I have now received a bill for a late fee for a " returned payment of {$53.00} '' - the check they had all along but claimed they didn't, and which I put a stop payment on and paid by debit card. And again, another bill with another fee - now showing a balance due of {$64.00}. 

I wrote to the company on XX/XX/XXXX and provided documentation of all these dates and payments. On XX/XX/XXXX they responded that they will not remove the late fee because the minimum payment was not received by the due date. 

I paid all of the installments of this loan in accordance with the contract and have additionally paid {$29.00} that was not owed. I assume my final check was sitting on someone's desk for several weeks after receipt and that's why it was not credited to my account.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Equifax refuses to remove these fraud=inqccurate inquries on my credit report, sent in ftc reports XXXX police reports, talk to multiple employees at equifax. This is rediculous, they told me to send in an ftc report, and the inquries would be removed. over a month later, the inquries are still on my report
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I tried to refinance at the end of XXXX it was denied due to them not compiling the information that they needed. I went into the hospital with XXXX  in XXXX  and tried to reapply again. It was denied again and they want me to go through the whole process again.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDIT SYS INTL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. Please remove this collection from my credit report.