davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Portfolio Services, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-05-24
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: WELLS FARGO & COMPANY (CA)

Wells Fargo received my former CFPB complaint number XXXX and a copy of my attached credit report and instead of addressing all months listed on the report that are in error, WF only responded related to one billing cycle instead of responding to my complaint regarding ALL billing cycles. Therefore, I am compelled to file an additional complaint with CFPB. I implore you to thoroughly research the attached document and thoroughly read it and correct ALL errors immediately. Do not send another scripted/form letter, actually read my complaint, call me if further clarification is necessary but, do not send another incomplete, scripted reply to my complaint or I will be compelled to join in the pending class action lawsuit that claims WellsFargo discriminates against their XXXX customers. 

Wells Fargo credit bureau reporting practices are discriminatory. Wells Fargo is purposely reporting incorrect high balances with the intentional purposes to negatively affect XXXX consumers. Every month for three years Wells Fargo has reported an inaccurate high balance. For the past 12 months WellsFargo has reported a high balance of {$990.00}. My high balance has actually been XXXX. My credit limit is {$1300.00}. My balance is the second most important factor in calculating my credit score. More specifically, credit reporting agencies look at the ratio of my credit card balances to my credit limits, which is known as my credit utilization. WellsFargo has a history of inaccurately reporting balances of people of XXXX with the specific intent to oppress by affecting their credit worthiness.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This was already complained upon about a debt trying to be collected on for Capital one, in the amount of XXXX, called the company XXXX XXXX XXXX, they in fact did tell me it was included in the bankruptcy and not sold to them, her name was XXXX just spoke to her!! My account was NOT sold, was included in bankruptcy!!
Consumer complaint received 2022-10-10
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. (CA)

I contacted Experian today, XX/XX/XXXX, to dispute this old account and they are refusing to remove it. The " until record '' date listed on my credit report for this account is XX/XX/XXXX ( see attached credit report dated XX/XX/XXXX ). 

Old Account : XXXX XXXX, Account # XXXX Auto Loan On record date until : XX/XX/XXXX Credit Report Pages 54-55
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a credit card ( last four digits XXXX ) with Bank of America ( BOA ). 
In XXXX, my credit card account balance was {$460.00}. On XX/XX/XXXX, I paid the balance through a BOA agent over the phone. However, the account didn't reflect the payment, and it still showed a balance of {$460.00}. ( This was probably due to a delay in their system ) So when I saw the balance, I made a duplicate payment for the same amount on XX/XX/XXXX for {$460.00}. It slipped my mind that I had already made that payment. 

Realizing the mistake, I called BOA in XXXX and asked them for a refund for the extra {$460.00}. A BOA customer service agent acknowledged the mistake and assured me of a refund for {$460.00} via check. However, on XX/XX/XXXX, I received a letter denying the refund, stating that it was too late to adjust the error. I called BOA asking about the matter, and they refused to help.
Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (UT)

I have called and spoke to numerous reps at Citibank/Bloomingdales since XXXX XXXX. I've been repeatedly told they would close and remove the authorized user account from my credit. They also confirmed they spoke to the card holder who also requested I be removed from the account. They removed it from XXXX and XXXX but it still reflects on XXXX XXXX thereby affecting my credit score due to them reporting her limit on it, and stating I have 2 open revolving credit accounts which I don't, I have 1. I have requested they remove her XXXX, UT address from my credit too. The card holder asked them at the beginning of XXXX to do this, they told me when I called it would be handled, then another person told me they refused to remove it, another call said they would remove it this time! 3 months later I'm having to dispute the same problem, their failure to remove the authorized account from my credit and stop reporting I have an account with them that I don't. I don't know if they're confused or what the situation is but this is not my account, I want it removed from my credit ASAP as the card holder, and I have requested numerous times. If it is still on my credit when I run my report on XX/XX/XXXX, I will proceed with suing them and refuse to settle! I'm tired of them lying about the dispute, yet doing nothing to resolve it. I have not spoken to the card holder since, when I do I will let her know she needs to get on top of this. However I don't think I will hear from her. She's not very good at keeping in touch. I've been fighting this on my own since XXXX with no follow up from the card holder or Citibank/Bloomingdales ! I'm sick of this account affecting my XXXX  and am willing to sue!
Consumer complaint received 2021-08-10
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 (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-07
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. (MA)

I took out an auto loan on XX/XX/XXXX with XXXX XXXX XXXX XXXX. Before moving from XXXX to LA on XX/XX/XXXX my vehicle was stolen. I filed a police report and reported it to my insurance company immediately. XXXX did not pay off the auto loan until approximately 8 months later. XXXX expected me to continue paying the loan while i had no vehicle living across the country. I provided XXXX with documentation of the police report and the insurance claim as well. XXXX and XXXX have removed the account from my report. Transunion has not removed the account despite the fact that ive disputed it several times. XXXX will not fix the issue either. It is unreasonable to expect me to pay on a loan when i didnt have any means of transportation. XXXX XXXX who is in charge of the loan reporting for XXXX claims that XXXX is reporting correctly to transunion and is unwilling to change the reporting status to " closed - paid as agreed ''.
Consumer complaint received 2020-05-06
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. (WI)

Transunion should not be reporting a collection on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-05-06
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. (WI)

Transunion should not be reporting a collection on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-07-08
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. (MN)

in accordance with the Fair Credit Reporting act XXXX  Collection Agency XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-30
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: CNG FINANCIAL CORPORATION (DE)

XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report check n go has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) check n go acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX  acct # XXXX -remove acct inaccurate reporting XXXX ) XXXX XXXX XXXX auto pay never been late please correct 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 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 2021-12-07
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: FREEDOM FINANCIAL NETWORK (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC. (PA)

Hi, Thank you for your attention to the following matter. 
My mortgage was sold to a new company ( below ). 
I was not informed of the change and I continued paying the original mortgage company that I have contracted and built my vacation home with. 
After finding out 30 days of the transaction took place, I did contact the mortgage company in the discussion, and I was assured that I have 60 days to transfer the funds and pay the first mortgage month. 
However, after 30 days I was reported to the credit bureau impacting my credit in, what I believe, unfairly. 
The account is current at this point. 
Thanks in advance XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Mortgage Acct # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (TX)

I have received notice of debt owed by a company called XXXX XXXX XXXX in the amount of {$4600.00}, original creditor of Comenity bank. 6 months ago, as my health was fading I reached out to Comenity online in regards to me being 100 % XXXX and requesting hardship or help in some way. I was ignored and the debt was sold. In the terms of the card, it states there are remedies if you become XXXX but I guess it doesn't apply to XXXX. The balance just goes up and the debt is sold. Why was my request ignored and why does the balance continue to grow? This is shameful, I am a 100 % disabled/housebound Veteran.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I previously submitted a report ( XXXX ) to Equifax Information Services regarding unauthorized accounts being furnished to my consumer report. Under 15 USC 1681c-2 ( a ) Equifax was required to block and delete information related to these accounts " ... not later than four business days after the date of receipt by such agency of- ''. 

I received an email from CFPB on XX/XX/2022 at XXXX ( XXXX ) stating it had sent Equifax my complaint for a response. I provided the required documents, pursuant to 15 USC 1681c-2 ( 1 ) ( 2 ) ( 3 ) and ( 4 ) and they have not yet removed these items from my consumer report. Today is day 6 ( business day ). This is a violation of my rights as a consumer under Federal law 15 USC 1681c-2 ( a ).
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2023, i sent letters to the CRAs ( TRANSUNION, XXXX, AND XXXX  XXXX disputing the inaccurate personal information that they are reporting on my credit report that can lead to identity theft.Asking them to update and correct it as soon as possible and i have attached copies of the letters below.
Consumer complaint received 2021-01-08
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. (GA)

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-01-08
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. (AZ)

On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( XXXX ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely XXXX ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted XXXX and asked them to remove the late payment. They refused.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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. 

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 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have file a dispute with Equifax for over a year to remove XXXX XXXX from my credit report. Equifax remove XXXX XXXX but added it back. I have been disputing ever since. XXXX and XXXX have both removed XXXX XXXX from my credit report. XXXX XXXX no longer have the account. It is not fait ti me for them to continue reporting an account they no longer have. I tried contacting them to settle the collection and they did not have the account anymore. Please remove this account from my credit report.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX FL XXXX