davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I purchased a XXXX XXXX XXXX camper  through XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX! Paid the camper off in XXXX they now show paid off 3 different times and now show fully collections and default! I have been in litigation and they report it every month after its closed!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The employer listed on my credit report is incorrect and does not accurately reflect my current or past employment history. This inaccuracy may lead to confusion or misinterpretation by potential creditors, lenders, or other entities reviewing my credit report. I have never been employed by the company listed, and the incorrect information could potentially affect decisions related to credit, employment, or other opportunities. I request that the inaccurate employer information be investigated and corrected to ensure that my credit report accurately reflects my true employment history.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On XXXX, XXXX, XXXX a collection account has been falsely reporting on my credit report by your office and you are being held responsible from here on. I have the right by the credit act to dispute wrong inaccurate information hurting my credit report coming from XXXX XXXX XXXX By 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that con- sumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Consumer complaint received 2024-08-12
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 information is inaccurate.
Consumer complaint received 2022-05-20
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. (MO)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX Balance Owed : {$66000.00} XXXX XXXX Balance Owed : {$720.00} XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$12000.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$110.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$750.00}
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX Transunion is reporting the following incorrect addresses : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Upon doing a status check, on my credit report today ( XX/XX/23 )! I was very disturb, and outraged that Equifax had ; the audacity to punish me, and down grade my XXXX Score for, no eligiment reason whatsoever! If lowering my balances are so wrong, then I don't want to be right! Doing such thing shouldn't never leads : to being corrected, chastised, punished, reprimanded, treated unfairly, and or any differently from other consumers! Mind you, the current acct, that caused those fools ; to do such thing, happens to be the same acct ( XXXX ), Equifax took all evening, updating my balance status!! I'm sick, and tired of Equifax, as well as XXXX conspiring against me : in an attempt to do the following : bring/cause much harm, and damage control to my credit report, scores, myself personally, and more certainly to my health! Why history has to keep, constantly repeating itself???
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (OH)

My Pentagon Federal Credit Union account ( checking and savings ) was frozen XXXX month ago pending identity verification and documentation of source of funds. ( See attached email ) I provided the requested documentation ( see attached upload transcripts ) including pages from my bank statements showing more than enough information for them to verify my identity and the source of funds I used for making transfers to the account. However, Pentagon Federal proved to be invasive with additional requests for information. I complied providing full statements. I was never able to communicate directly with the bank regarding the documentation, but always had to spend up to an hour each week on the phone relaying information bank and forth between the department handling the investigation. 

Finally, after XXXX month I was informed that my account was " permanently restricted '' with no explanation as to why other than " risk '' which they would not tell me about. I have {$74000.00} in assets frozen at this bank and they've told me that it would be frozen for up to 60 days. This is unacceptable and I demand that they return my money immediately. They have already held my money for 30 days.
Consumer complaint received 2022-04-22
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. (FL)

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a Bank of America account holder for more than 15 years. I obtained a Balance Assist loan from Bank of America using my personal checking account as I had done several times in the past. The loan was paid in full yet is listed as " charged off ''.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

In XX/XX/XXXX, I attempted to refi my mortgage through 5 company which includes my current mortgage holder. Because my debt to income ratio is high due to retirement, I was refused. After filing a complaint, my current mortgage holder suggested a Covid forbearance plan : " You have been approved for a Forbearance plan. We know these are challenging times, so in order to provide you with short-term payment relief, we have accepted your forbearance request and your plan is now active. '' I accepted this as a stop gap to save my home that was purchased in XXXX. My Point of Contact ( POC ) said that a refi can not be performed because of the debt to income ratio and because of the investors ' interest. 

Well, now that I have been approved for the Forbearance Plan, I am receiving email offering : " Thinking about buying a new home or investment property soon and wondering how you can save more with PennyMac? Let us count the ways ... 

{$1100.00} Discount* Historically Low Rates Low Down Payment Options Homebuyer Tip : Get your free pre-approval with a PennyMac loan expert before you start home shopping! Then youll be ready to make offers and take advantage of your discounts with PennyMac. '' I realize that this advertisement is not a guarantee loan. I can not qualify for a refi but receive information regarding financing with new home loan at lower rates. 

Why not protect your " investors '' with a reliable home mortgagee holder with a permanent lower rate than a temporary fix?
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC. (PA)

I paid a " contractor '' {$250.00} to repair my drywall & shower leaking. He started the work & then never came back. He did a terrible job on the drywall repair, which I had to re-do myself. He also was supposed to replace my shower cartridge. He did not know what he was doing & destroyed my shower cartridge. He refuses to answer my phone calls & messages & also ignores my text messages. Santander bank ( the bank I got the XXXX from ), will not reimburse me the {$250.00}!!! 
I tried calling contractor several times & left several messages & text messages, he refuses to answer. His name is XXXX XXXX & his cell is XXXX. 

I called the bank 2 times & they said it was between me & the contractor. I used the XXXX connected to my checking account, however I did NOT do a debit, I did a charge transaction. 
Santander bank refuses to reimburse me the {$250.00} This is fraud & the bank should stand behind their credit cards, like all good financial institions do!!!
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

XXXX needs family. I had an uncharacteristic 30-day late payment in XX/XX/XXXX on credit card. This was after a 2+ month battle with severe XXXX, and an XXXX child who became intensely violent in XX/XX/XXXX, leading to documented XX/XX/XXXX partial hospitalization at XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and months of both state funded XXXX XXXXn and private XXXX XXXX during the pandemic in summer XXXX. XXXX XXXX so deeply affected our health, finances and well-being that we missed one payment to a card I forgot I owned. Upon catching up in life when our son and my health were stable, I realized the mistake and immediately paid and closed the card, as it was based on XXXX XXXXXXXX, and we had moved outside of the airlines flying radius. I also missed filing unemployment due to mail piled up on our home. It was a terrible unimaginable time for our family, and BOa does not appear to be compassionate, even though the CARES Act was enacted to help people exactly like us. I Wrote letters to Bank of America in early XXXX. BOA replied that I should have told them in advance that I needed help. I did not know I needed the help, and literally kissed one payment. My credit is paramount to my business, and this one blip from height of pandemic has caused me significant financial hardship, as my credit score has dropped almost XXXX points due to this reporting by BOA. I have doctors letters documenting my XXXX and requiring time off work. I have documents relative to my sons hospitalization in XX/XX/XXXX. This was the worst 6 month period in my life, and I hate that I have to relive that by filing this, but I think the CARES Act was created to help someone like me who is now impacted long term because of a report made by a credit company in XX/XX/XXXX.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax, XXXX, and XXXX  all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.
Consumer complaint received 2021-02-17
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. (CA)

To Whom it May Concern : I am putting in a complaint because XXXX XXXX  ( XXXX XXXX ) has kept late payments on my credit report. 8 months ago, I informed them that I could not make the monthly payments due to hardship and the high interest rate. They informed me that they would take off the interest rate, closed the account so I can afford the monthly payments and continue to pay off the loan. They also said the understood my hardship and would take off the late payments on my credit report. 
The past 8 months, I have never missed a payment and Ive made every payment on time but there is still late payments on my credit report. I have mailed the courtesy letters every month asking them to please take the late payment charges off of my account. They sent me a letter stating they couldnt because its a law and that they have to keep the late payments on my credit report. 
I have continued to send letters every month to XXXX and the credit bureau to get this matter resolved because its highly effecting my credit score.