davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
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. (NJ)

A credit card from the XXXX XXXX XXXX went to a charge off and collection on a {$300.00} credit limit card in 2017. It was reported as a charge off on experian and transunion and closed. 2 years later I paid the XXXX XXXX XXXX  XXXX XXXX credit card {$360.00} on a XXXX limit Which ten charged me {$420.00} in late fees which is absurd and should be a crime. So I just didnt think that was ok after I already paid {$62.00} in late fees on top of original XXXX limit. I am XXXX and have XXXX XXXX and surgeries throughout this ordeal with neurological problems. The bank was very confusing and social worker couldnt even get in touch with collection agency because they changed twice. So numerous times I disputed this info with experian and transunion explaining I paid them {$360.00} the past year so instead of changing status of credit account on report They allowed a new collection agency consumer adjustments to add a new collection account to both my reports from 3 years ago on a closed charged off account. This is ridiculous Im trying to get my score up and as soon as it goes up a bit they allow a collection put in my report from 3 years ago that was paid not on original debt and original late charges but for and additional {$360.00} in late fees unbelievable Im XXXX on XXXX its hard for me to follow all these deceptive ways these companies work
Consumer complaint received 2022-11-30
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: Auto Trakk, LLC (PA)

I Have sent certifed mail letters out to cease and desist all communications on my consumer profile. AUTOTRAKK LLC have failed to STOP reporting after me giving them notice of CEASE AND DESIST ( XXXX ) Certified Mail Number : XXXX XXXX XXXX XXXX XXXX To : ATTENTION : XXXX. XXXX  AUTOTRAKK LLC XXXX XXXX XXXX, XXXX, PA XXXX Respondent XXXX XXXX From : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX non-domestic Libellant Month XX/XX/2022 CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : XXXX XXXX & Whom it may concern I have been dealing with these XXXX bogus disputes for months, am wasting my XXXX money and I do not like it. If my credit profile is not updated properly I will file a XXXX lawsuit on XXXX. I am tired of this XXXX  with your company. Your company is causing me harm, grief, XXXX, and is a defamation of character Throughout the time frame of XXXX to the present day, your company has repeatedly contacted me, claiming that I owe and have posted a XXXX from AUTOTRAKK LLC, according to 15usc1681b. I Did not give AUTOTRAKK LLC the written instruction to post any information on-to my credit report DELETE THEM ALL FROM MY CONSUMER PROFILE IMMEDIATELY. I have disputed it and allowed you appropriate time to show evidence of this debt to be verified properly. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1681b and 18 USC 1028A for possessing my means of identification with my consent as I never did any contractional business with your company. 
I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 
Kindly govern yourself accordingly. 
Respectfully Without Prejudice, XXXX XXXX XXXX XXXX XXXX XXXX, Attorney in Fact
Consumer complaint received 2021-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX I cosigned with my mother for a line of credit on her house. In XXXX of XXXX she passed away. I went into Bank of America with all the proper documents ( including the death certificate ) to have her taken off the loan. It took multiple trips meeting with multiple parties, to finally have this taken care of. All was well until XXXX of XXXX my mother 's name appeared on the paperwork again XXXX including tax documents ). I called Bank of America to have this corrected. I was told she would need to sign off or pay off the loan. I explained that she was dead and probably not going to be able to do either. The gentleman on the phone assured me that someone form Bank of America would be calling me within 48 hours to correct the error. Ten days later I received a letter ( NO CALL ) from Bank of America with condolences on my loss and instructions on where to send in the death certificate and all other perinate paperwork ( that was done eight years ago ).

I have been told by a previous employee that they put dead back on accounts to create a bigger customer base for their numbers ( CLASS ACT ).
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-07-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

I received a phone call on XX/XX/2021 from Synerprise Consulting that I owed a debt. I responded by stating I wanted all communication about said debt to be conducted via mail only. I then sent a letter to Synerprise Consulting requesting validation of debt and for a copy of documents or contract containing my signature be forwarded directly to me.I also sent a letter to XXXX  Credit Bureau as well, who also stated the information was verified during investigation, XXXX  also FAILED to send me any documentation of validation of said account. Synerprise Consulting responded with a letter on stating they investigated the account and had verified it. They still failed to send any documentation at all that I requested. I sent a second letter on XX/XX/2021 request the information that the company failed to provide to me from the initial letter. Synerprise again sent me a letter with no validation or documentation that the debt they are requesting me to pay is a valid debt that I owe.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 Experian 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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 2023-04-04
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. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX AND XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Consumer complaint received 2022-11-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX I found out that I have a property debt on my credit report for {$3400.00} owed to XXXXXXXX XXXX XXXX XXXXXXXX. I moved out of this property XX/XX/XXXX only after being there a few months and had very bad bug problems that never was fixed. Before moving Myself and my partner at the time were taken to court for 2 months rent or eviction was in process. We paid this payment to the apartments after court and still eventually moved. Fast forward to XXXX and National Credit Systems is on my credit for this property and for an amount I KNOW I DO NOT OWE. There is also XXXX XXXX on this account and she was never on the lease and is no longer living. I have called Nation Credit Systems over 5 times since finding out about this debt and trying to explain to them that this is fraud in so many ways and I need a Legal Document that originated from the apartments that itemizes the charges. I have been Hung Up ON, Talked So RUDE Too and Very over all unprofessional to me while I am in need of help with this. I was then emailed on XX/XX/XXXX a Noticeable made up copy of the debt and " ADDITIONAL CHARGES '' that have amounts but NOT What it is for. There is alot of Illegal things going on with this account and I really need this off my credit. I DO NOT OWE THIS MONEY.
Consumer complaint received 2023-10-31
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: EQUIFAX, INC. (TX)

I am writing to express my extreme dissatisfaction with the manner in which my multiple attempts to rectify inaccuracies on my credit report have been handled. Despite repeated efforts to correct late open accounts on my credit file, the issue persists, causing substantial harm to my financial standing and overall quality of life. 

These late open accounts are causing substantial damage to my credit score and financial well-being. I have diligently followed the proper procedures for disputing these inaccuracies, including submitting supporting documentation and adhering to the statutory guidelines outlined in the Fair Credit Reporting Act. 

Despite my efforts, the errors remain on my credit report, and no corrective action has been taken. I am deeply concerned about the adverse effects these inaccuracies are having on my ability to secure loans, credit, and employment opportunities. 

I have attached copies of all correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and timely investigation into the matter to rectify the inaccuracies on my credit report. 

Furthermore, I kindly request that you provide me with a written response detailing the results of your investigation, along with any steps taken to correct my credit report within 30 days of your receipt of this complaint, as stipulated by the Fair Credit Reporting Act. 

In addition to the corrections, I also request that the credit bureau provide a written statement of the actions taken to prevent such inaccuracies from reoccurring in the future. This is essential to ensure that other consumers do not endure a similar ordeal. 

I am also willing to cooperate and provide any additional information you may require during the investigation process. 

Failure to address this matter satisfactorily will leave me with no alternative but to pursue legal action to rectify these inaccuracies and seek damages for the financial harm caused by this situation. I am asking for your assistance to correct the following late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (IN)

On XX/XX/2022 the debt collector - Capital Link Management on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted both my parents ( XXXX & XXXX ) and XXXX of my siblings also - via text message disclosing a debt that I had that had been referred to collections. In the text- they disclosed the amount of the debt {$680.00} an offer for settlement of the debt {$230.00}. In addition- they disclosed that if the debt was not settled it would be be transferred to the Pre Legal Collections Team. The included the number XXXX. 

I also received the same text message and did subsequently settle with the debt collector. 

It is my understanding that it is illegal for the debt collector to contact my family and disclose the amount of the debt and the information that they did disclose to them. I have the text messages that were sent and can provide if requested. I would like this company fined and whatever restitution that I am owed be paid to me. This was something that should have never been disclosed to my parents and or siblings. I am XXXX y/o and not a minor. 

If you need the phone numbers that these texts were received- please let me know and I will provide to you.
Consumer complaint received 2022-11-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-11
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. (FL)

Subject : Second Dispute Identity Theft Request for Removal of Fraudulent Accounts Dear Sir or Madam : I am writing to you regarding a prior dispute I submitted as a victim of identity theft, in which I requested the removal of fraudulent accounts that are negatively affecting my credit report. Despite following the proper procedures, the following accounts remain on my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts were not opened by me, and I have no knowledge of them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request the immediate removal of any information related to fraud or identity theft from my credit file. Additionally, the law requires credit reporting agencies to respond adequately and diligently to disputes. This is the second dispute I am filing on this matter without receiving a proper resolution. 
I have also attached a copy of the identity theft report that I filed with the relevant authorities, in accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). This law penalizes the creation and use of false or fraudulent identifications, which is pertinent to this case, as my information was used without my authorization. 

Furthermore, I refer you to the case of " XXXX XXXX XXXX XXXX '', XXXX XXXX. ( XXXX  ), where the court held that credit reporting agencies are responsible for conducting thorough investigations when receiving disputes related to errors in credit reports. The failure to adequately investigate my case may constitute a violation of the FCRA, exposing the agency to additional liability.
Consumer complaint received 2021-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have been attempting to close my HELOC since XXXX. I have taken every step in closing my account, paid the closing costs, but the mortgage company has not closed my account and I now trying to charge me for homeowners insurance for a loan that should have been closed in XXXX. I requested to close and freeze my HELOC per their instructions and the account was frozen XX/XX/2021. I requested a payoff statement on XX/XX/2021 and was told to pay online, since the amount was under {$1000.00} this was ok and did not need to be certified. I paid the payoff on XX/XX/2021 and waited. Since the payoff, I received letters that I needed an insurance policy on the house and if I didn't send them a copy of my insurance they would purchase a policy. I called the mortgage company and explain I closed my account and paid the payoff. They specifically told me not to worry about it and the account would be closed and I wouldn't need to do anything. 3 weeks later I receive a notice with the insurance policy they purchased for my home against my will. I have called every day for the past 2 weeks asking if they can please remove the insurance policy and close my account that I have been trying to close since XXXX. I keep getting the same story that they're working on it, and escalating it and they keep pushing the date to which it will be closed by. First it was XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and this last time they mentioned XX/XX/XXXX. They are keeping my account open against my will. I have frozen the account XX/XX/2021, paid the payoff request XX/XX/2021, and requested many many times to close it. They are keeping it open and charging insurance on my account and I believe this to be fraudulent.