davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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. (MA)

Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX and Experian for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXXXXXX credit card account, [ account number : XXXX ], as reflected in my XXXX and Experian credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : XXXX and Experian Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : XXXX and Experian are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both XXXX and Experian have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act.

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both Experian and TransUnion, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines.

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account, potentially violating TILA by falsely representing the terms under which my account was closed and paid off.
Consumer complaint received 2023-12-11
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. (NY)

I submitted disputes to experain to update the balance on my student loans, which are now all XXXX. I also included the proof from the student loan company showing that the balance is XXXX. I also spoke with them verbally and they again confirmed the balance is XXXX and experian should absolutely update this to reflect the correct balance of XXXX. They also said that experian never requested any info for them to confirm or deny so experian never actually did any investigation nor confirmed the balance. They told me to tell experian to " stop being lazy and do their job. '' Upon receiving the final dispute today, XX/XX/23, I called Experian as well ( XXXX in the dispute dept ), who is saying that they are not changing the balance and actually they never look at the proof of documentation that the complaintee ( me ) includes in the online experian dispute because the dispute team doesn't have access to the dispute files!!!! What sense does this make? They told me to just put in a new dispute over the phone, however, this just extends the delay when this should be done the right time, the first time. These lazy delay tactics are breaking FCRA! For reference, the final experian Report Number is XXXX. The dispute number is : XXXX. If you need anything else, please be in touch. I'm happy to provide any further supporting documentation. Thank you kindly!!! : )
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DE)

Deposit {$1400.00} was made by another person my Wells Fargo checking account on XXXX XXXX. A few days later XXXX XXXX Wells Fargo sent me an email message that they are putting the deposit on hold until XXXX XXXX. I contacted Wells Fargo, who claimed insufficient fund to clean check. Even though the {$1400.00} was removed form the other person bank ( XXXX ) XXXX XXXX,2021.A statement sent to my buy the person who made the deposit.
Consumer complaint received 2021-12-13
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-03-29
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. (IL)

I have been disputing 2 accounts from XXXX XXXX in the amount of {XXXX} and another account with the amount of {XXXX} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But experian and XXXX and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense experian .XXXX XXXX doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.
Consumer complaint received 2022-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (NJ)

Received a letter I owe XXXX XXXX XXXX XXXX Tele Check Services , inc {XXXX} The Collection company is TRS Recovery Services. 

I am XXXX and haver never owned a tractor and live in an apt . 

TRS Transaction # XXXX Reference Number # XXXX They keep asking for my personal information SS # & Bank Information
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I renewed an account with this company on XX/XX/2021. Within a couple weeks after opening the account, my household had a decrease in income. Which effected my payment history. The company charges a {$26.00} late fee after the 10-day grace. When I would call to make the payments, I would tell the customer service rep at the branch that I was making the regular payment. They would ask if I wanted to pay late fees, and I stated I did not. That I would pay them at the end ( thinking it was like traditional loans and not effect me negatively unless I was over 30 days late on the regular payment amount ). I had decided within the last year or so to focus on rebuilding and re-establishing my credit by checking my reports, cleaning my profile, and paying my bills as on time as much as possible. Doing so, I noticed in XXXX that they were taking my regular payments and applying it to the late charges FIRST, then applying the REMAINING amount to the actual payment. Which allowed it to report me past due every month I didn't pay the late fee. I first contacted the branch explaining my concern and the rep was very rude and hostile over the phone, to the point I ended up hanging up. I contact the XXXX customer service number, and they explained that those were the terms. I paid the loan off as soon as I could and wrote a goodwill letter explaining I was unaware that was how they applied the payments. I received a letter back explaining that I was indeed late majority of the loan ( which was not what I was disputing ), and that they would not be able to remove late payments. They also sent me the terms, the first page of my loan docs and my payment history. In the terms, it states opposite of what I was told over the phone and in the letter. It states that past due payment amount would be paid first, then late charges and fees. I have had an account with this company since I was XXXX, over 10 years. Only because I didn't know much about credit or that it was a predatory lending company, and had other family members that used them. As I look over my report, I see they have always done me this way. Took the late payment first and reported me 30, 60, 90+ days past due until late fees were paid.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/year>, I received notice that a negative collection was furnished on my credit report without permissible rights. XXXX XXXX XXXX has violated my rights under US Code 1681a, and have failed to establish evidence of a contract based upon validation of account being reported. Failure to validate said debt is in violation under FCRA law, but also under Truth and Lending. 

Remove this account immediately!!!
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX  / XXXX / {$1400.00}
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CT)

I have a Traditional 15 yr fixed home mortgage with Key Bank The payments for the same have been made for the past few years and set up as an automatic payment via XXXX XXXX XXXX XXXX. 
These payments have been made on a timely manner every month to Key Bank I am in the market for seeking a home loan for a new home purchase. During this process I spoke with mortgage brokers and on XX/XX/2022 was offered a rate of 3.0 % by XXXX XXXX. During their process they informed me that my credit score was low due to non payment of a Key bank payment for XXXX. I went to the local XXXX branch the next day where I was informed that my mortgage rates had changed due to tax increase by $ XXXX. There was s shortcoming as my account was on autopay and they would attempt to resolve it. This matter was discussed at the local branch, with Key Private Bank, with Key Mortgage and all agreed that this issue should be resolved. In addition Key Bank had an incorrect telephone number as well as no email address to contact me. The remaining downside in payments was made, the autopay amount corrected and submitted.

The concern I currently have is that Key bank refuses to withdraw their report to the credit agencies. No attempts apart from the monthly account statements were made to notify me of the a ) Change in amount, b ) The shortfall in payment or c ) The intention to report this to the credit agencies. 
Further after I had started conversation with various departments in Key Bank I start getting certified letter regarding non payment and potential foreclosure clearly an attempt by them to show that they are doing the " right thing ''. 
The bank and its representatives did not have an answer when I queried why a certified letter had not been sent previously. They further mentioned that they have glitches in their internal system and my email which is available to them as I am a business banking customer was not visible on the home side. Even after I updated my information, I was old that they were unable to reach me for a follow up call and when queried they confirmed they had called the old defunct number. 
The banks process has 1 ) Multiple internal issues with poor communication and updating information on their system 2 ) the bank failed to contact me appropriately regarding a payment change 3 ) The bank failed to reach out to me regarding a payment shortfall 4 ) The bank failed to notify me regarding a pending negative report to the credit agencies and finally 5 ) The bank has failed to provide me a documentation of what has transpired over the past 3 weeks. 
The bank employees I have spoken to are but not limited to XXXX XXXX XXXX XXXX Thanks
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding purchased debt that I owed to a credit card company. The debt is from XXXX, 2015 and beyond the Statute of Limitation for legally collecting the debt. However, LVNV has been reporting that I am making late payments every month to the credit bureaus which is against the FCRA as they are not the original creditor. Debt collection companies can not report late payments to the credit bureaus on debt they purchased from a creditor. The company has been reporting late payments for the last 24 months which is greatly affecting my credit score.
Consumer complaint received 2021-12-13
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)

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. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-13
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. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (IL)

In XXXX, XXXX, Experian erroneously charged my credit twice for {$14.00} - I called them and told them I never sought this monthly credit reporting fee. They agreed and credited my credit card for both of the charges- they were also not to charge my credit card again for this monthly fee of {$14.00}. On XX/XX/XXXX, I was checking my credit card ( XXXX XXXX XXXX XXXX and noticed that in XXXX, XXXX Experian again began to charge my credit card for the monthly fee of {$14.00} which again I never authorized. 

I canceled the card on XXXX XX/XX/XXXX. I then called Experian and explained to their rep what was happening on my credit card and the number of unauthorized charges on my credit card for {$14.00} each from XXXX, XXXX to XXXX, XXXX - that is XXXX mths of charges for {$14.00} each - this is a total of {$140.00} on my credit card. The rep apologized but said she can not issue me a credit for the charges, that they had a limit as to the number of credits they could issue. So from Experians point of view, I am stuck with the charges. Why they began to recharge me the {$14.00} in XXXX, after they agreed to issue a credit for the two charges in XXXX, XXXX is beyond me. Obviously, they issued me a credit in XXXX, XXXX but did not make changes in their system to stop billing me for the monthly {$14.00} charge. Unfortunately, I have heard that others have experienced this same problem from Experian so that this is a problem endemic to Experian. I seek redress of my grievance.
Consumer complaint received 2022-02-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-06-06
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. (GA)

I am reaching out to discuss a reinsertion issue with Transunion. I disputed a XXXX XXXX account on my consumer report due to it being inaccurate information and fraudulent due to XXXX XXXX sharing this information without my consent. The account was deleted. I received a report from Transunion recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Transunion is the only one who has inaccurate information pertaining this account. I have attached the three accounts across the three reports so that you can analyze it for yourself. Per 15 USC 1681i, Transunion is required to report 100 % maxium possible accuracy. This is not accurate. Please delete or update this account.