davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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)

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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by 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 delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXXXXXX XXXX 15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by XXXX and Experian is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed. 


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. 

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

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

Sincerely, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-22
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: NAVY FEDERAL CREDIT UNION (MD)

XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, Navy Federal ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.
Consumer complaint received 2022-07-22
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. (OH)

I have been having some issues with small errors on my credit report dealing with addresses that I never lived at showing up on my credit. I was a victim of fraud and I do not wish to have to deal with things showing up in m name again that I did not buy or lease. Please remove the following addresses : 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 2022-07-28
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. (DC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my TransUnion and XXXX credit report. Incorrect inquiries on my TransUnion is XXXX XX/XX/XXXX. 
Incorrect XXXX inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX Also XXXX XXXX  we bank is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You
Consumer complaint received 2022-07-21
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. (NC)

Since XX/XX/2021 I have submitted over 3 disputes with TransUnion XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days TransUnion & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (GA)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of accounts that are not mine : XXXX XXXX Acct # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Acct # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX   Acct # XXXX, These inquiries that are not mine : XXXX | XX/XX/2020, XXXX | XX/XX/2020, XXXX XXXX XXXX  | XX/XX/2020. I have contacted the FTC and the local police and I am doing this on my own behalf. I need those items removed as soon as possible please.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NC)

They stated they were a filing company. Saying I owed an old Wachovia credit card bill from XXXX. Said it went into collection XXXX. I never received anything from collections. They said I would be served papers from them. Or I could settle out of court for XXXX dollars. And that I could make installment 3 payment XXXX. Or if I was financially unable they would do 6 months. They said they where contacting me because the COVID-19 restrictions grace period was over. They if it goes to ourt I would have to pay XXXX dollars. They called me my wife and mom. An 11 digit number XXXX.
Consumer complaint received 2022-07-22
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)

This is to inform to the CFPB of the bad practices TransUnion has caused to my consumer credit report today. Thursday XXXX XXXX XXXX as I was reviewing my personal information on TransUnion, I have noticed my name spelled incorrectly. on my personal info also as know is showing a mis spell name by the name of XXXX XXXX XXXX I decided to call TransUnion to inform the name off XXXX XXXX XXXX which this name is in accurate. I have spoken over the phone with a representative and she mentioned that in order to change the name that appears incorrectly on my TransUnion credit report she needs to generate information from her system and since the information wasnt generated. by her policy, they can not remove the inaccurate name showing on my credit report. Even though she had verified my information over the phone she was discussing my credit report. it does not make sense for me to mail my information if she already knows the right person she's talking to. I have verified my information over the phone to TransUnion she will not remove that inaccurate name showing on my credit report. I have provided in the past my Social Security. my change of address and my California ID. TransUnion that information is on her system and if my information wasn't in her system why do I receive mailing correspondent to the address. and yes, I do have a security alert on my TransUnion as a consumer I am requesting a removal from that inaccurate information you as a creditor is to make sure that the information you furnish is accurate not 95 % but 100 %. I have provided you with the information you requested. your job is to remove my information that is inaccurate as soon as possible. is causing me problems. remove it is spelled incorrectly. and update my original address and eliminate the old address which this XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX does not received any correspondent mail anymore. 
thank you. 
Sincerely : XXXX XXXX XXXX.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CO)

Two of my credit cards through Citi have flex loan offers which make up the bulk of my current balance. Recently my credit limit has gone down twice and it doesnt make sense with it being a loan not regular credit. This creates a cycle of bad credit because now my utilization is even higher, rates go up, which makes payments harder. I have not missed a single payment and have been a loyal customer for 4 years and in my 12 years of having ccs Ive paid all balances off, always. When I tried to resolve the issue I was on the phone for hours, was hung up on THREE times and finally the supervisor said there was nothing they could do and simply ignored me when I asked if it was normal to get hung up on so many times. I read others reviews after this phone call and this company is doing the same thing to many other people. its extremely hard to understand their employees on the phone- they often say they dont understand you ( the customer ) in turn getting their way in the conversation. 4 years Ive dealt with not understanding the person on the other line and was even accused by a supervisor once that I was a fraudulent customer. 
I get how cc companies work but in these hard times, I have lost my job, inflation, and all Im asking is that my credit limit be what it was, so my utilization looks good and helps me pay off debt rather than hindering me. This is a seemingly small, yet huge problem for me and Im sure many other people. Where is the heart?
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX  XXXX ( Equifax ) Unauthorized Inquiries : XXXX ( 2 TIMES ) EQUIFAX MTG ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Compattia Roccia Management Group, LLC (CA)

On XX/XX/22 I received a pre-recorded message to my cellular telephone from ( XXXX ) XXXX. The voicemail message did not identify the company, any person or provide a callback number but only said " Please press one now to speak with a live representative. '' The caller ID displayed the telephone number and " Debt Collector '' I called the number displayed and the recording said CRMG and asked if I was calling about correspondence received from them. When I said no, it asked for me to spell my last name and give my date of birth. Upon providing these, the recording then stated my first name and that my balance was {$5900.00}. It did not state that they were debt collectors, that they were attempting collect a debt or that any information obtained would be used for that purpose. No information was provided about the nature of the alleged debt, the alleged creditor or any other information. The recording then asked if I wanted to pay. When I said no, I was not able to connect to an agent but was returned to the beginning process of the automated attendant. If I said yes, a recording gave only the option to pay by credit card and required a {$4.00} convenience fee but offered no other payment options. I checked online and located CRMG , LLC ( " Compattia Roccia Management Group , LLC ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX and called the telephone number on the web site ( XXXX ) XXXX and got the same recording. I have not received any written correspondence from these debt collectors. They have violated several provisions of the FDCPA and TCPA.
Consumer complaint received 2024-10-10
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. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

Today I have received XXXX calls in total from Comenity Bank for my XXXX XXXX account. If I do not answer they call multiple times in XXXX hour and block their number. This is my XXXX complaint about these tactics they use. My first complaint was submitted XX/XX/22. The complaint id for this is XXXX. If they continue to harrass me I will be contacting a lawyer and submitting a complaint to the FTC, XXXX, and the Attorney General.
Consumer complaint received 2022-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

This creditor is attempting to collect a debt that does not belong to me. My information was stolen by identity theft. The creditor was alerted and is still harassing me and reporting inaccurate information on my credit file.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2022-07-22
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. (FL)

In accordance wi the fair credit reporting act, XXXX I account number 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 2022-07-28
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: Experian Information Solutions Inc. (NY)

This item were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im really frustrated with how my credit scores are turning out because of mistakes in my credit report. These errors are dragging my scores down and making it super hard for me to get the credit I need. Its been a constant source of stress and is seriously messing with my finances. Ive tried to get this sorted out before, but nothings changed.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I am getting collection efforts from a company named National Credit Systems , Inc . I do not have any business contracts with this company. They are trying to collect on behalf of a different which I do have business with. However National Credit Systems has been incapable of validating the debt. They can not produce written agreement by me allowing them to report any accounts on my credit reports on behalf of this company. They have failed to produce verification that they can collect on behalf of XXXX. They have failed to produce proof that they are licensed to collect in the state of Georgia. Again, I have never signed any agreement with this company regarding XXXX, nor given them authorization to report anything on my credit.