davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (GA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : XXXX : Closed with " Charged off as bad debt. '' Experian : Status shows as Open and " Past due 150 days. '' XXXX : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : XXXX : XX/XX/XXXX. 
Experian : No closed date listed. 
XXXX : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in Experian creates inconsistency. 

Payment Status : XXXX : Marked as a charge-off with no recent payment status. 
Experian : Shows " Past due 150 days '' but does not specify charge-off. 
XXXX : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off. 

Payment History Reporting : XXXX : No payment history is reported ( " None Reported '' ). 
Experian : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
XXXX : Shows XXXX XXXX late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On numerous occasions, I have expressed to TransUnion of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX  days, I will file a suit and will follow up with an Invoice of Each Violation.
Consumer complaint received 2022-09-29
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: Affirm Holdings, Inc (NY)

n accordance with the Fair Credit Reporting act Affirm Inc # XXXX, XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Collection Management. Inc (OH)

XX/XX/2022 - I attempted to get a copy of my record from this company. I am currently trying to get an apartment and my rental report shows I owe them money. This account was included in a XXXX  XXXX bankruptcy, as confirmed by the representative I spoke to. She was unwilling to provide me a copy of my file. I am in need of this to show to the rental reporting companies so that I can clear my file. I asked multiple times and she refused, saying there are no files or records even though she was able to pull up an account.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I have an account with Syncrony bank that is connected to my Amazon account. They issue credit for purchases on Amazon.com I filed a dispute with them regarding a broken product that I had recieved and ended up loosing the dispute. They had pre credited my account for the amount disputed. I ended up loosing my dispute, and they Re-instated the charge back twice. I have attached the statement in which is shows the Re-instatment twice. Once on XX/XX/2022, For the amount of XXXX under " Amazon XXXX XXXX XXXXXXXX XXXX and once on XX/XX/2022, for the same amount of XXXX under " XXXX '' as the description. 

I have called them multiple times, spoke to multiple people. It has been months of fighting this battle. I have collected multiple extension numbers and names, and all of them agree that it is a double charge. Once they send it to their billing department that is based in another country, that is where the disconnect happens. Billing sends me the same automated message everytime stating that they don't see a duplicate charge. I am stuck on what to do. A friend in law pointed me here and told me to file a report in hopes to get their attention on a higher level. I genuinely hope someone can help me as this is not a small amount. Thank you so much.
Consumer complaint received 2022-09-29
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. (NY)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-29
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: CREDIT ACCEPTANCE CORPORATION (RI)

In accordance to the fair credit reporting act this creditor has violated my rights under 25 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166B 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 2024-09-16
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 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 : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX  XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
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.
Consumer complaint received 2024-09-16
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. (TN)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company (OR)

After a separation from my husband more than XXXX MONTHS AGO, I, XXXX XXXX XXXX, formally living at XXXX XXXX XXXX XXXX, XXXX, Alabama, XXXX, then found it necessary to find debt relief. I believed JG Wentworth to be a solid and legitimate company. That belief is completely shattered with the events of the last week. I am seeking the council of Oregon Attorney General XXXX XXXX, who is a dear friend of one of my friends, to file formal fraud in banking charges against JG Wentworth on my behalf. 

I was told by JG Wentworth associates and have a telephone recording and a text of one stating, that I had entered into a 16 month debt elimination program at {$490.00} per month with the last payment of {$9.00}. That {$9.00} payment was taken by JG Wentworth automatically from my XXXX XXXX account at the beginning of this XXXX. 

During the 16th month program I have faithfully paid these payments. However, when I recently called to receive exit paperwork, the representative stated that I owe " 3 more months '' beyond the 16 month period! He said that the 16 months " we're just an estimate '' and the last creditor required more money than expected. But that is not how the program works. I was told creditors are contacted at the beginning of the program to confirm what amount they will accept to cancel the debt, and then money is collected and paid out in those pre-determined amounts. Instead of honoring your promise of my being " debt-free in 16 months '', I am being hounded by their partner XXXX XXXX  XXXX who is again promising a " graduation from the JG Wentworth debt program '' if I secure a loan from them! This is the very definition of a scam, a " bait and switch. ". The goal post keeps moving! I was told that I needed to pay off one more creditor but just as I am writing this, I am told that an account that I was told was already settled is now due! 
. 
I am very upset and frustrated. Several times I checked and rechecked with their representatives about the nature of your program and I was repeatedly told I would be debt free in 16 months. I feel I should warn others on as many social network platforms as I can find because what they are doing to unsuspecting clients is financially dangerous and unethical!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to formally lodge a complaint against these accounts concerning the unauthorized reinsertion of items that were previously removed from my credit report. Despite having successfully resolved this issue before, these items have reappeared, causing undue distress and potential harm to my credit standing. Please see attached documents for these items I am complaining.
Consumer complaint received 2022-09-29
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. (LA)

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


XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-04
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, my Experian score was XXXX with a ( n ) {$1700.00} owed and a ( n ) written-off/charge-off. I had the one collection of {$390.00} erased and deleted, then, the other erroneous listing of written-off/charge off erased and deleted. The current score is indicating XXXX.

I have a ( n ) complaint regarding the low score : I do believe the score should be a much higher score. My mode of living in seeking employment and school hasn't changed. I have looked into a bit of credit, but, nothing that should cost me a ( n ) adequate score. 
I hired the creditfirm.net they stated everything was working and turned on, summary. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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. (FL)

my business applied for credit under my business name and ein and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CT)

We opened a checking/debit account for my son at Wells Fargo on XX/XX/31. The bank called 2 weeks later that due to a banker error, my son 's SS number was incorrect in the " secondary ID '' portion of the application. I returned to the bank as soon as I could which was a week and a half later as I was told my XXXX year old son needed to be there and he was unavailable any sooner. The day we returned the account was closed ( and I was told he did not need to be present so this could have been handled sooner ) and was told we needed to come back with the SS card ( which we were not previously told ). I returned the next day ( Friday ) with the card ( although his SS was correct in the " SS # '' box and he has other accounts for years at the bank ) and was told the account would be reopened and the card used. The account was still closed on Monday and when I called the branch, the banker told me they can not reopen and there are several more steps to go through so he filed a complaint on my behalf ( which no one told me until I called ). I can not open any new account for him until this is resolved and the branch can't help me and the contact person where this complaint sits has not returned my calls.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-08-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Offices of Robert A. Schuerger Co., LPA (KY)

Schuerger Law Firm out of XXXX Ohio says the XXXX representing the Ohio Attorney General. They took XXXX out of my bank account today ( XX/XX/2022 ) after I emailed them and told them I had just started back to work and would be able to start payment to them XXXX XXXXI asked for the info I needed to set up an online account and make payments anytime I had extra money. I was given the information and set my account up with full intent on making a payment XX/XX/2022. I had been out of work for a while and had to catch up on utilities and obtain a vehicle to get back and forth to work. I made this clear to them. The representative, XXXX XXXX, has threatened me with criminal charges, garnishment and more. I can not even speak to him because he over talks me and is rude. I am doing everything I can to pay this debt but I also have to keep my utilities on and food and gas going. He has called my job and released info he should not have. He has called me multiple times a week and harassed me at my job. I would have to send a call log to even show how many times I have been called because there are too many dates to count. I've been called a liar, told to ask my family for the money, told to sell things that I don't even own. He is literally going to make me have a nervous break down. I don't eve believe I owe as much as he is reporting. This is the contact info I have for this law firm. 
XXXX XXXX Law Offices of Robert A. Schuerger CoXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Direct Dial # XXXX Main # XXXX x XXXX Toll Free # XXXX x XXXX Fax # XXXX
Consumer complaint received 2022-08-19
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. (CA)

In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : ..... 

XXXX XXXX XXXX Account no. XXXX, XXXX XXXX XXXX Account no. XXXX, XXXX Account no. XXXX ... ..... 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumerreporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.