davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15 usc 1666 B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purposes. 

Also I was not notified 21 days before the due date. 15 usc 1666 b 1. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.
Consumer complaint received 2020-10-06
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: Bread Financial Holdings, Inc. (CA)

I filed a FTC Affidavit report and credit report pertaining to a a data furnisher listed on my account Comenity Bank/Victoria Secret. At the time of the report the account number they where reporting the fraudulent account under was XXXX as was listed on the affidavit and the police report so it was removed from my credit file with XXXX   immediately and XXXX  it was removed from XXXX  on or around XX/XX/07 I gave the report attached. What comenity bank then did was change the account number with XXXX  to XXXX which allowed it to stay reported on my account and resubmitted it to XXXX  under this new account number and statement saying the account is current! XXXX  deleted it again as I informed them of the error and then on XX/XX/XXXX informed me that they had to reinstate it because the data furnisher gave them new information which they had to keep it on the report. They violated the 5day FCRA 605b law which states they are supposed to infirm me of any reinserted accounts twice and did not provide the 5 day forwarning. I attached the documents credit reports where it shows that the comenity account was deleted under a different account number as if XXXX due to the affidavit and the police report then I attached the current report from XXXX  with the new account number and its clearly evident that it is in fact the same account number due to the history and the opening date of the files its identical only account number changed so they can illegally keep reporting it on my credit profile. This situation cost me 80 points and a denial from the SBA I need it to be resolved immediately so I can reapply with the SBA so I can get back to business. I attached an updated FTC report with the new comenity  Victoria account number and as per FCRA LAW 605B its should be permanently deleted from both XXXX and XXXX  credit reports immediately. I also sent the data furnisher a Cease and Desist as well as a second FTC REPORT which according to the first one they  should of stop reporting however they continued on reporting which is an additional violation to FCRA law rights! In addition to this file there are other fraudulent items being reported with these two bureaus several inquiries that where not initiated by me with XXXX  its XXXX and with XXXX  they are Comenity/XXXX, XXXX, and XXXX  XXXX XXXX as reported on the attached FTC affidavit the other inquires are with XXXX  I will file a separate claim for that along with the inaccurate reporting from another company XXXX XXXX
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

I agreed to do a pay for delete with XXXX XXXX XXXX XXXX. I paid an account of that was charged off to collections. Once I paid the account off, XXXX refused to delete the negative reporting off my credit file with the 3 credit bureaus as they agreed to do so.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I agreed to do a pay for delete with XXXX XXXX XXXX XXXX. I paid an account of that was charged off to collections. Once I paid the account off, XXXX refused to delete the negative reporting off my credit file with the 3 credit bureaus as they agreed to do so.
Consumer complaint received 2020-09-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AZ)

In XXXX of this year I attempted to refinance with AMERISAVE MORTGAGE and dealt with a representative who over the phone assured me there would be no problem with my refi due to my good credit etc. He requested a few documents and informed me that if I could not produce those that I would be able to use something else. Over the course of the next two weeks I prepared my documents and sent him some, but I had questions about others. I emailed him, texted him, and left phone messages, and did not hear back. Then I received an email that I was denied and now Im out the initial fee of {$500.00}. 
My c.c. Company attempted to recoup the money to no avail. Whatever information you can provide me will be greatly appreciated. 
Thank you XXXX
Consumer complaint received 2020-10-06
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. (ID)

Experian is reporting two different collections on my account. I have proven that this is only one account and should be reported as such. It took two days for them to decide that this was two different accounts. The accounts even have the same name and the same amount due on each one. XXXX  actually investigated this issue and removed the entire account from my report so that I have no collection. I submitted the same evidence to them as I did Experian. When they investigated the first collection company, it took less than two days. How is a proper investigation supposed to be done in less than 2 days? XXXX  at least took a week and a half.. 
I am also wondering how a legally settled account can report 7 charge offs on the same account? 
There is also conflicting information on this report saying that my debt to income ratio is 8 % yet I have 100 % credit usage. Your suggestion to me is to open a new credit card account. Why are they suggesting a new credit card account if I am at 100 % credit usage? Also telling me that creditors look at me as risky yet they want me to open more accounts saying it would be better.
Consumer complaint received 2022-07-23
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. (MI)

I am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the Equifax and XXXX Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX  XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : XXXX.
Consumer complaint received 2020-10-06
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. (TN)

The credit card company is showing my a

ccount as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported. I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Consumer complaint received 2020-10-06
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. (GA)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I never paid the following accounts late, XXXX : TransUnion is reporting a status of 60 days late, XXXX  is reporting no late payments and XXXX  is reporting a status of 60 days late, XXXX : TransUnion is reporting a status of 120 days late, XXXX  is reporting a status of 180 days late, XXXX  is reporting a status of 120 days late. The following accounts do not belong to me and should be removed from my credit file, U S Dept Of ED/XXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion is reporting an  opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX, XXXX  is not reporting this account, XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX and XXXX  are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX are reporting an opened date of XX/XX/XXXX, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  and XXXX are reporting opened dates of XX/XX/XXXX, U S Dept Of ED/XXXX Account XXXX XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX, XXXX  XXXX XXXX  Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX and XXXX  are reporting opened dates of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX   and XXXX are reporting an opened date of XX/XX/XXXX, U S Dept Of EDXXXX Account Number XXXX TransUnion is not reporting this account, XXXX  and XXXX  are reporting an opened date of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX  and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2022-09-21
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)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This is ground for removal. They also stated one account was deleted and it reported 6 different times after they reported it deleted. They violated my rights. 


15 USC 1681 SECTION 602 I have a right to PRIVACY. 

15 U.S.C 1681 SECTION 604 It also states a consumer reporting agency can not furnish a account WITHOUT MY WRITTEN INSTRUCTIONS. 

Also the credit bureau took more then 30 days to complete my investigation.
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (SC)

I was paying a company called XXXX for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, XXXX received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me XXXX  sold/merged with a company called RMP services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for XXXX  that I had for over a year, this number directed me to RMP services. RMP services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
RMP services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I found two unsigned checks during moving ( one is {$1.00} and the other is {$600.00} ). Since I forgot whether they were deposited or not, I decide to deposit them to my Chase checking account, ( where I usually deposit checks and the bank should save the information of my past transactions ), and let the bank tell me if they were deposited or not. 

However, I was charged by {$24.00} fee several days later ( {$12.00} for each check ). I was so shocked since the fees are imposed by the bank for nothing! While my balance increased temporarily after my scanning the two checks via Chase app, I did not use or move the money. Further, fees were deduced for a stale check that was not deposited before. During the whole process, the bank did not incur any loss but still charged me by directly deducting my account. 

I tried to resolve the issue by calling Chase customer service and visiting the local branch, but was told they could not do anything. I have been an active Chase customer for 8 years, and I am really disappointed with the deterioration in the bank service recently. We customers have to to sign voluminous agreements when opening an account, but it doesnt mean the bank has the right to charge customers at discretion, or we customers have to the accept those unreasonable charges. 

While it is a small money, for a multinational bank like Chase, a few dollars for each account can be aggregated to be a considerable number! Hope CFPB could help look into the issue! Look forward to hearing from you!
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: The CMI Group, Inc. (CA)

A company called Credit Management sent a bad debt notice to credit agencies for a debt that I do not owe. I contacted them over a week ago and have not heard back a word while their mark on my credit report has affected my credit negatively in a substantial way. I need to make them responsive in order to get this bad mark removed ASAP.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

The card is a XXXX XXXX rebate card through Bank of America. There was {$40.00} remaining on the card when it expired in XXXX 2020. I contacted the company to request a replacement and was told there is no balance remaining on the card after expiration and that they could not issue another card ( there exact response to my email is pasted below ). I feel that this is not right and that they basically stole {$40.00} of my money. Please help me to get my money back. Thanks! 


response from Bank of America XXXX : Our apologies we are unable to assist. Once this card type expires, as described in the cardholder agreement and all of the information in the card package, there is no value after expiration. We can not issue another card since there is no balance and the account is closed. 



Thank you, Bank of America Customer Service
Consumer complaint received 2020-10-06
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: 1st Franklin Financial Corporation (GA)

I HAVE DISPUTED THESE ACCOUNTS SEVERAL TIMES. THESE ARE NOT MY ACCOUNTS. THEY ARE FRAUDULENT ACCOUNTS. HOW IN THE ENTIRE XXXX DO I KEEP GETTING ACCUSED OF USING A CREDIT REPAIR COMPANY? THIS IS CAUSING MAJOR STRAIN ON ME AND MY FAMILY. THIS IS ALSO CAUSING ME MENTAL ANGUISH AND XXXX. I FEEL AS IF I AM BEING VICTIMIZED ALL OVER AGAIN. THESE COMPANIES SHOULD NOT BE ALLOWING PEOPLE TO COME INTO THEIR BUSINESS AND OPEN FRAUDULENT ACCOUNTS. THEN THE CREDIT BUREAUS IRRESPONSIBLY REPORT THEM ON MY XXXX CREDIT. XXXX  AND XXXX  REMOVED THESE FRAUDULENT ACCOUNTS. XXXX  REFUSE TO TAKE THESE FRAUDULENT ACCOUNTS OFF MY CREDIT. MY NEXT STEP IS TO CONTACT THE ATTORNEY GENERAL. I WILL BE BRINGING A LAWSUIT AGAINST XXXX, XXXX XXXX  XXXX, AND 1ST FRANKLIN. ALL THESE COMPANIES ARE SCAM. THEY FRAUDULENTLY LET PEOPLE OPEN CREDIT ACCOUNTS IN MY NAME.
Consumer complaint received 2020-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (TX)

On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that Citibank policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
XXXX
Consumer complaint received 2023-02-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my Federally Protected Rights to privacy and confidentiality under 15 USC 1681. # XXXX # XXXX # XXXX # XXXX. 15 USC 1681A. States that I have the right to privacy.. 15 USC 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1691. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681b permissible purpose of consumer reports, The Law Clearly States : subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.