davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-10
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. (NY)

I didnt authorize anyone or sign a power of attorney or consent in anyway or form for any person to open up a student loan for XXXX $ and another student loan for XXXX $ and a XXXX  XXXX credit card for XXXX $ these are all fraudently and i never had the knowledge or acess to any of these i want it removed off my credit report asap immediately because it does not belong to me and it is not fair i reached out to get help and nobody is tryna help me with this emergency situation
Consumer complaint received 2022-07-27
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. (CA)

On XX/XX/XXXX I submitted a complaint due to a request submitted to Transunion to verify late payments on the following account : XXXX XXXX. Due to not receiving a response, I submitted a complaint. To date, I have not received any verification documents to prove that this account was ever late! Transunion instead closed the case stating that I would receive documents in the mail verifying the account was late ( which I never received ) and they also put in the case about verification of personal information which had nothing to do with the case submitted. I submitted my photo ID + proof of address as always. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quad Corporation, Inc. (IA)

I had medical bills for my husband get sent to quad corp. I started making monthly payments in XXXX XXXX XXXX  I missed one payment in XXXX because my husband had XXXX and I was putting in extra hours to keep our restaurant open. I continued to make monthly payments again in XXXX and even increased my payments and have continued to make monthly payments. Imagine my surprise when the Sheriff showed up at my house this morning to serve me judgement papers for this bill. When I called in to speak with them they told me because I didn't have a " payment arrangement '' ... even though I was making monthly payments ... that they want the payment in full or I will have a judgement on my record. 

I was told my payments weren't enough. Then I explained how we have two XXXX XXXX XXXX in our household. Our supplies cost us {$700.00} per month... so we can live. I was making payments I could afford while also making payments on all our other medical bills. I have record of every single medical bill I pay because we pay so much that we can use the bills to lower our taxable income. 

This is the absolute worst company I have EVER had to deal with while making payments on a bill!! WORST!!
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (CA)

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. I REACHED OUT TO EXPERIAN, XXXX AND XXXX TO DISPUTE THE INQUIRES AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. I HAVE FILED A POLICE REPORT AND FTC REPORT AND THE CREDIT BUREAUS HAVE FAILED ME. 

XXXX XXXX  XXXX REPORT XXXX XXXX XXXX EXPERIAN REPORT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined ON XXXX REPORT NONE OF THIS INFORMATION IS MINE, IVE DISPUTED IT SO MANY TIMES AND NOTHING HAS HAPPEN.
Consumer complaint received 2022-06-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (TX)

I purchased a new home on XX/XX/2022 ( VA loan ). I am a 100 % XXXX veteran. I am tax exempt. However, the mortgage company refuses to accept my tax exemption. Ive sent my VA XXXX justification, the tax exemption from my countys appraisal district, and a tax bill. Ive payed the principle, interest, and home insurance on the bill. However, I have not payed the taxes. I can not afford it. The whole process through my mortgage broker to my realtors were aware of my tax exemption and budget. Ive been going back and forth with this company since I purchased the home. To no avail. Please help. Thank you so very much for your time and consideration in my situation.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (VA)

On several attempts I have made notification to Caine and Weiner the alleged debt that they have reported to the consumer reporting agencies was not mine and I asked to have it removed entirely from XXXX, XXXX, and XXXX. By submittal of Caine and Weiner own documents it clearly shows this account is not mine and the dollar amounts in question are not the same which makes it inaccurate. The name is not mine and it appears this is a corporate/company account. Caine and Weiner has failed to comply and has offered no evidence where they had permissible use for my credit file. It saddens me that the credit reporting agencies have not taken better care to ensure what is reported is accurate. I have attached all supporting documents to show my attempts to have this derogatory information deleted from my file as it once was then re-inserted with out my knowledge. Caine and Weiner illegal tactics and practices need to be stopped.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

Dear CFPB, I am submitting this complaint regarding to the 3 credit repair reporting agencies for inaccurate information reported on my credit file. Despite my dispute and attempts to resolve the matter, no corrections have been made, which is unfairly impacting my credit score.

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which protects my right to accurate credit reporting, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), which governs the fair handling of debt disputes.

I request that the CFPB : Investigate for noncompliance. 
Require correction of errors on my credit report. 
Enforce federal consumer protection laws. 
Please find attached relevant documents, including my credit report and correspondence, for your review. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, I canceled my flight due to being sick with covid, with XXXX XXXX, I was told that in order to receive a refund I would need to submit documentation proof, i submitted the documentation and I was denied a refund. I then reached out to Wells Fargo on XX/XX/XXXX and filed a dispute with the bank. I informed them that I was a denied a refunds with the airlines and then they opened a dispute, and told me to check back in 10 business days. The next day the dispute was immediately denied and they then stated that they needed proof airlines in the policy that if I were to cancel due to a medical concern that I could be refunded if I submitted the proper documentation, so I submitted the documentation and then the claim was reopened, a few days later the claim was denied again, called Wells Fargo and they said that Visa would automatically deny the claim because of the rules that their is no refund policy, with disregard to the exception of if a person becomes sick, can send in the proper documentation.
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (FL)

I have not supplied proof under the XXXX XXXX XXXX  by silence, XXXX XXXX ( XXXX XXXX XXXX XXXX, I presumit that no proof of the XXXX debt, nor therefore any XXXX such debt, in fact therefore exists.
Consumer complaint received 2022-07-10
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. (TX)

I reported all XXXX major credit bureaus XXXX, XXXX, and Experian that the collection from XXXX XXXX for XXXX XXXX XXXX has many inaccuracies. 
XXXX and XXXX reporting a high balance of {$1500.00}, and Experian is reporting a high balance of {$1500.00} which is different from XXXX and XXXX. 
Balance owed XXXX and XXXX reporting {$1600.00}, and Experian is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for XXXX and XXXX are different from Experian. 
Date of last activity for XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX and Experian date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
XXXX is reporting on account status as open which is if its in collection account status can not be listed as open account. XXXX and Experian account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me XXXX XXXX XXXX due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not satisfieddebt. 
Original Creditor : XXXX XXXX XXXX -- XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX Experian Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --
Consumer complaint received 2022-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

There is a hard inquiry on XX/XX/2022 from Kohls, Capital One on my credit report that I don't recognize. I contacted Kohls and let them know that I have not attempted to open an account with them and they have made a note to follow up with me via mail.
Consumer complaint received 2022-07-14
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

My minor daughter was contacted by an online scammer, offering to send her money to her bank account if she would XXXX them money according to their indstructions. 

The scammer purportedly deposited {$3500.00} in her Wells Fargo account which the bank said was available to my daughter. 

After she sent {$400.00} via XXXX, the bank then said the deposit was not valid and is forcing my daughter to pay them the {$400.00} even though she relied upon the bank 's representation to indicate the money was available. 

This is not in keeping with bank policy, and besides that, my daughter never opted in to the XXXX system and even if she did, she would be a minor and unable to sign on her own. 

I've tried to resolve this with the bank since XX/XX/2022, the day I discovered the fraud.
Consumer complaint received 2022-09-12
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. (KS)

I am exercising my right under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Pages 2-2, 5-14, and 6-50 SEE ATTACHED. I am demanding you remove this item immediately. XXXX XXXX, account number : XXXX. This account is being reported illegally. If not removed immediately, Account name : XXXX XXXX Account Violations : ( 1. ) Correction : Account should be reporting monthly-SEE ATTACHED ( 2. ) Correction : There are no Recent Balances on Charged Off accounts-SEE ATTACHED
Consumer complaint received 2023-04-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX 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 2022-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rausch Sturm LLP (WI)

Rausch Sturm sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue. 

I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, Rausch Sturm LLP. My communication rights have been violated. 

I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.
Consumer complaint received 2022-09-12
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. (NC)

In accordance with Fair Credit Reporting Act 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 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

my previous landlord ( XXXX at XXXX XXXX ) accused me of damaging the kitchen sink counter, which was damaged before i moved in, they kept my {$600.00} Dollars deposit and and on the top of that they asked {$350.00} dollars, i refuse to pay the {$350.00} dollars, XXXX at XXXX XXXX reported this debt all the credit bureau, i disputed the negative item with experian credit bureau but they never removed it, i contacted the collection agency regarding the issue but they never helped me, the collection agency 's name and address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX phone : XXXX
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

I have just received a email as of today XX/XX/2022 from LVNV FUNDING. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX XXXX was sent to collections, I have been working with them to pay this amount down. LVNV FUNDING LLC has also not mailed me any documents for my right to dispute just an email stating I owe money which is completely unfair. They have not sent any written contracts with my wet signature or a full disclosure. This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Complaint # 1. Transunion is still reporting a collection account on my credit file from XXXX XXXX XXXX XXXX XXXX Complaint # 2 Transunion is still reporting a identity theft inquiry on my credit file from ( XXXX ) Complaint # 3 Transunion did not and has not tagged these two complaints with <Under Dispute> Per the FCRA! 

Get this XXXX off my credit file asap or Im going to sue you! 

Last warning! 


A Identity theft and police report has been provided several days ago
Consumer complaint received 2022-06-06
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: SYNCHRONY FINANCIAL (NJ)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through writing.
Consumer complaint received 2022-06-06
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. (LA)

I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX  ( ACCT # XXXX ), XXXX XXXX  ( ACCT # XXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions.