davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX after a phone called i have prior to XXXX XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove e this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

XXXX is trying to collect debt on charges that are not mine. Charges occurred on XXXX, XXXX and i got a bill with the charges in XXXX. Called XXXX and they claim that they will take care of it since it's not my charges. In XXXX i got a letter in the mail from a debt collection agency named Convergent that i owe {$2500.00}. Spoke to them on XX/XX/XXXX and told them it's not my debt. Also, sent them police report from XXXX XXXX PD that i reported this a fraud. XXXX Account # XXXX and Convergent phone # XXXX.
Consumer complaint received 2022-10-11
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. (FL)

on XX/XX/2022 i sent letter to XXXX, XXXX  and transunion however its been passed the 30 day mark and have not sent me back anything and according to the law 15 US 1681i
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (MD)

On XX/XX/22 I visited the XXXX XXXX XXXX with the intention to lease a new XXXX. I consented to have my credit report pulled once. The dealership proceeded to pull my credit twice. When I noticed this I confronted a manager ( XXXX XXXX ). I explained that I didn't understand nor consent to two credit inquiries. XXXX proceeded to tell me that this is their usual practice, the dealership submits a hard inquiry and the bank also does the same. I have never heard of nor experienced this before and I have leased several cars over the years. I believe this practice is unethical and should not be permitted. If my credit report is going to be pulled multiple times, I should be informed and also consent to it. Hard inquiries impact credit scores, this is not okay. XXXX, in particular, this dealership has some gender-biased, unethical methods that should be investigated. Salespersons lie about pricing and at the last moment try to increase numbers. Overall not sure what can be done to remedy my situation, but if an investigation can help other consumers avoid experiencing the same unsavory methods, that is good enough for me. Until then consumers should beware of this dealership.
Consumer complaint received 2024-09-19
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. (CT)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MD)

I had a checking account with Suntrust for many years. When the account was opened, there was no fee on the account. After the account was transferred to Truist, the bank started charging me fees {$25.00} per month starting in XX/XX/2022. I was not given notice that the fee would be charged and never consented to any changes to the account. I did not notice the fee until XXXX because I don't typically use the Truist account. When I noticed the fee being charged, I called Truist and requested to waive or credit the fee. I spoke with XXXX XXXX who stated that the bank will not waive all the fee but only {$50.00}. When I asked her to explain what had changed in XXXX that the bank started charging the fee before, she just repeated the same. Again, I never agreed to any fee, I never requested to change the type of account. The fee was imposed without any notice or the opportunity to object. 

The total amount of the fee was {$120.00}. Thus, there is a fee charged on my checking account of {$75.00} that was not credited. 

Further, because the bank used all funds in my account to pay the fee itself, it used my credit card to cover overdraft. It then charged interest on overdraft in the amount of {$1.00} and a late fee of {$20.00}. 

Thus, the total amount of unrefunded fees, interest and penalties is : {$75.00} + {$20.00} + {$1.00} = {$96.00} I request that the above amount be credited back to me. 

Regards, XXXX XXXX
Consumer complaint received 2022-10-15
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. (TX)

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. 

Account name : Account number XXXX Open/closed Closed Date opened XX/XX/2022 Account type Cell Phone 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 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 2023-02-27
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. (NC)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-10-15
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: Resurgent Capital Services L.P. (OH)

To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit XXXX. Listed below are the companies XXXX ) LVNV Funding 2 ) I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act these accounts have 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. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you
Consumer complaint received 2022-12-11
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-15
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-10-11
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-11
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. (MD)

Hello CFPB, Im having a problem with Experian reporting information on my credit report that is incorrect. I submitted a dispute about 3 weeks ago to Experian because they did not update a loan with XXXX XXXX showing the loan had been paid in full with XXXX balance. I disputed the incorrect info but Experian kept the information on my account even though I submitted a letter from XXXX  stating the account was paid in full.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

ACCOUNT # XXXX XXXX # XXXX I was in a collision very shortly after leasing the Honda HR-V, which was ruled a total loss. My auto insurance carrier XXXX, sent paymentXXXX for {$28000.00}, and there was still a balance of approx. $ XXXX that the GAP coverage was supposed to cover. 
I called XXXX over a dozen times and was told by every single representative that I do not have to make payments even though your website was still indicating that I had payments due, late, upcoming, etc. The XXXX XXXX XXXX would continuously tell me they were waiting for my GAP coverage payment to be sent from the dealership then I finally got the dealership to help me and they determined that was incorrect because it was a lease that the GAP coverage was to come from the leasing company. 
All I know is I was told on every phone call that should be recorded not required to make payments other than my {$500.00} insurance deductible, which I did. Today my credit score dropped XXXX points in one day because the credit bureaus were reported to by XXXX  that I am late payments. The credit and payment were all supposed to be " Suppressed '' as per honda Lease Trust.

PLEASE IMMEDIATELY FIX THIS! I DO NOT OWE XXXX  ANY MORE MONEY, AND ALSO MY CREDIT MUST BE UPDATED AND FIXED SO THAT IT REFLECTS I HAVE NEVER MISSED A PAYMENT. ALSO, CLOSE THIS ACCOUNT PERMANENTLY, FINALLY. My credit is very important at this very moment for my student loans are contingent upon them right now.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IA)

I have tried reaching out multiple times to XXXX and XXXX along with Convergent Outsource to get this situation fixed as they are reporting this account that I do not recall. Continues reporting inaccurate as this debt is not mine. XXXX stated over the phone that they couldnt do anything about this debt as it does not belong to them anymore. So I just kept trying to work it out with collection company nd bureaus. Reporting inaccurate date lest active. Reporting a balance of {$640.00} when account has been transferred. re-aging pushing back the data count should fall off. consecutive charge of as if it was some sort of payment method. I have asked for verification on debt any document that provides my signature stating debt belongs to me. 
I asked to provide a method of verification on and how and where they are getting information from because they continue to report incorrect. I have been answered with the statement bill on this account. this does not provide my signature and does not mean debt is mine. I have actually tried to offer a pay to delete on this debt not because I believe debt is mine. But, because I have tried multiple times to fix the situation. Account is hurting and holding me back from obtaining credit and I need it to get removed immediately. I offered a 60 % on the step as a settlement but I have not heard back on my offer.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received my monthly statement in XXXX, 2022 for XXXX transactions. Immediately I saw a transaction for XXXX dated XX/XX/2022 for {$300.00}. 

I proceeded to call XXXX and spoke to a lady, I advised her that I did not approve this charge and she advised me to call my credit card company. 

I called Capitol One and explained the situation and was advised " not to worry '', they would remove the charge and investigate. 

The charge was removed and placed back on my card in XXXX, 2022. I again called Capitol One and was advised that the last advisor processed it wrong and again " not to worry '', this will be removed and this time they cancelled my card and sent me a new one. 

This transaction was added again onto my credit card and I proceeded to call Capitol One and was advised that I had to pay with no explanation. I asked again to please produce the documents or calls that I approved this. The lady was very rude and placed me on hold and never came back. After waiting for an hour on hold I disconnected the call. I have never had a credit card company respond or treat me this way. This experience has taken so much of my time with zero results. 

I've asked several times to PLEASE send me the documents that I approved this, they can't because I did not approve this transaction. I am a business owner and this has been a nightmare. I would pay for something that I approved but this I did not. 

I also asked them if I should make a police report and they advised that it was not needed. 

Thank you for your time and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (FL)

I received a collection letter from MEDICREDIT on XX/XX/2022 the same day I answered them by certified letter see attachment, this account is NOT mine I was not in said hospital XXXX XXXX? I was at the XXXX XXXX  in XXXX in XX/XX/2022 and it was due to covid, this account is not mine, and I was also a victim of identity theft and those records are on my credit report, apart from the fact that this is violating my HIPAA rights. attached documents see attach successful stop this illegal collection and not be contacted by phone
Consumer complaint received 2022-09-05
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: Continental Finance Company, LLC (PA)

In accordance with the Fair Credit Reporting Act Continental Finance Co. XXXX, has violated my rights. 

15 USC 1681 Section 602 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 instruction. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2022-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We received a collection letter for a Bank of America credit card that we never received and did not apply for. We went to Bank of America regarding the problem. They discovered that a card was issued in the name of XXXX XXXX XXXX, with the correct social security number, but none of the other information was correct. The address used was in New Jersey, but we have never lived in New Jersey. The telephone number and email address did not match with anything we have ever used. We never received a statement or a bill for this card, but are being told by a collection firm that we have a balance due of {$17000.00}. We are disputing that amount with Bank of America and they have already begun a fraud investigation. We are also placing fraud alerts on our credit reports and have requested copies of credit reports be sent to us. We submitted a police report but will not have a copy until approximately XX/XX/XXXX.