davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payments were submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IL)

Western union charged at XXXX {$3500.00} XXXX XXXX 2020. 
If I contacted Western Union, they can not find that transaction. I didn't do this transaction at all!

WU refuses me refund and said to contact my bank which I did. Bank said contact WU.

None of these institutions is responsible for refund charging me {$3500.00}!

WU can not see that transaction in their system! They asked me for proof of charge that amount, because they can not find that transaction in their system! Obviousely I have sent details about the transaction at XXXX and XXXX XXXX.
Consumer complaint received 2022-08-15
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. (NC)

XXXX XXXX  has placed my mortgage account in credit as 1 month behind. 
My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with XXXX XXXX. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.
Consumer complaint received 2023-08-28
Product: Credit 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: CITIBANK, N.A. (GA)

I have a citi card that was issued around XX/XX/XXXXXXXX  the thing is the card was sent to a different adress than where i reside ... .Once they corrected that issue and i received my card i began using it at the costco XXXX XXXX XXXXXXXX  XXXX I only used the card 3 times within a day or 2. Once i recived the bill i paid for the purchaes that i made, but i was told that the card was used in many locations and different states. I told them that i had the card in my posession and I did not make the purchaes that were attached to my account. I disputed it with the credit card company, and they denied the claim because they said i still had the card in my posession. I told them that the original card was sent to a different location and that could be why other charges we added to my account ... ... ..I asked them to look up the initial adress where the card was first mailed to and thet told me they do not see any other address on file ....
Consumer complaint received 2023-08-28
Product: Credit 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: TRUIST FINANCIAL CORPORATION (FL)

I had a charge for XXXX and change placed on my card in XXXX, I immediately called the bank when I got my statement to report fraud. They took the complaint but still the charge remains on my account and they charge me monthly interest. I have never heard from them despite numerous calls to them being placed on hold for up to XXXX minutes. When I ask where we are after 90 days i am told its under investigation. When I ask what steps and measures have been taken I am told that is confidential? 

I am thoroughly disappointed and disturbed to be treated this way but more so concerned that Truist bank can get away with this.
Consumer complaint received 2021-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TN)

On XX/XX/XXXX I viewed my credit report and found two collections from the same company. 



I never received any correspondence from them saying I had a debt. 
Debt Recovery Solutions {$940.00} Debt Recovery Solutions {$270.00} On XX/XX/XXXX I mailed a debt verification letter ( non certified ) to the collection agency and credit bureaus. I received no response from the collection agency and the bureaus response was that the debt was valid. I never received anything validating the debt. 

On XX/XX/XXXX I mailed a pay to delete for both accounts in an effort to just get it off my credit. To date I have had no response.
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MD)

Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services LP for their willful violation of my consumer rights and predatory collection practices. I am deeply concerned about their conduct in attempting to collect on an unverified debt, despite my multiple attempts to verify the alleged debt. This harassment has not only caused me undue stress but also constitutes a clear breach of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

The details of the violation are as follows : Collection Agency : Resurgent Capital Services LP Address : XXXX XXXX XXXX, XXXX, MI XXXX Timeline of Events : 1. XX/XX/2023 : I received a communication from Resurgent Capital Services LP regarding an alleged debt that I have no recollection of. Recognizing my rights under the FCRA, I immediately requested verification of the debt in writing.

2. XX/XX/2023 : I received an account summary from Resurgent Capital Services LP which did not produce a legally binding agreement ( in the form of any original contract ) or documentation confirming that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. Once again I requested, I followed up with a second verification request, once again adhering to the formal written communication method.

3. XX/XX/2023 : To my dismay, I received the same account summary itemizing the alleged debt that does not constitute as a legally binding proof of ownership of said debt and does not constitute authorization that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. I submitted written notice that the companydid not provide valid verification for the alleged debt within the 30-day timeframe as required by current FCRA laws and any additional attempts to collect on said alleged debt is a direct and willful violation of my consumer rights 4. XX/XX/2023 : Since then, I have continued to be harassed by Resurgent Capital Services LP with aggressive correspondence, demanding payment for a debt that remains unverified.

This situation is deeply distressing, as it not only negatively impacts my mental and emotional well-being but also points towards a deliberate disregard for my consumer rights. The actions of Resurgent Capital Services LP are in direct violation of the FCRA, which explicitly outlines the requirements for debt verification and the consequences of non-compliance.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

There was an identity theft from my credit report. First, there are inquiries on my XXXX report that do not belong to mine. After that, I received many calls from around the country about applying for loans, financial support, etc., which is not my request. They called me every day, which made me very frustrated and stressed. I have to go to XXXX XXXX XXXX XXXX because phone calls keep me down from work and study. 
First, those inquires from my Equifax report should be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I have already contacted the XXXX bureau about this, and they have not solved my situation. I also filed an FTC report, but it was not helpful. Now, I am sharing the complaint on this to help me out. 
There have been a lot of calls from nowhere around XXXX months ; I took a picture from an example of how annoying those were.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Consumer complaint received 2022-11-18
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: Bread Financial Holdings, Inc. (FL)

To whomever it may concern, The actions of Comenity Bank and the various agencies that have refused to address this manner are acting against XXXX XXXX XXXX XXXX. I am attaching additional documentation for my communications with Comenity Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and Comenity Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with Comenity Bank, as well as the previous dispute.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmatio
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (MO)

I've contacted the company as there was a discrepancy with the pay off of the loan. There is no pay off date for the last withdrawal date as I was informed that this is an installment loan. Installment loans typically have a final draft date. {$130.00} is being drafted from my account as of XXXX, XXXX  and this being done biweekly. My bal owed is {$730.00} but they are saying to pay off the amt it's over {$1000.00} in addition to this they keep calling and emailing, harassing me to take out additional money and I keep informing them to remove me off their list as I am not interested.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

i have have a discover account. since XX/XX/2023. I already have an account and it is not new, they are asking me to provide them with 3 months of bank statements and to fill out form 4506-C... i am an existing customer not a new applicant ..i have done what was requested and i am tired of my card being locked per could not verify my phone number or my email or my address... so, this is common anytime customer service talks to me... it becomes your card is locked and we need verification of something. I am retired and on ssi ..my husband XXXX was a XXXX veteran that has passed. And I also got his ssi... i make my payments... i feel like they are trying to negotiate my credit i have built up. I think it is a predatory practice to fill out tax forms that don't apply. Again, I am not a new customer, they must not be making enough money on me or just trying to destroy my credit.
Consumer complaint received 2021-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have been subjected to harassment, unwarranted and unsubstantiated incorrect credit reporting, which has resulted in Credit damage. I have all of the documentation of the bank admitting fault, as well as you and recorded a phone conversation stating my account is in good standing on XX/XX/XXXX. The phone call to them, was in response to their non-action on fixing the original issue, they acknowledged. 
I have records of all my payments. I filed a report with you, you intervened, opened a case and got a statement from the bank admitting they were at fault. I had unapplied funds, that were not intentionally unapplied on my part, that disappeared after CFPB engagement. The case was closed. I contacted you again to reopen the case, as the problem was not taken care of. I did not get response. This has been ongoing for about a year now. 
This case was reported to you on XX/XX/XXXX ( Case # XXXX XXXX. 
I just received my XX/XX/XXXX statement, which is indicating they have not received a mortgage payment, from me since XX/XX/XXXX, even though XXXX 's statement does not indicate any past due payments. I have all of my receipts for payment, as I make the payments at a local branch. 
I also received a check from XXXX XXXX, for approximately {$2600.00} stating, heres a check to pay your past due payments, even though no one at Suntrust could confirm any past due payments. I have a recorded phone call with a Suntrust Rep, who I spoke with for approximately 25 minutes, trying to get to the bottom of this. My last paper statement, indicates I have a past due amount of {$6700.00}. I wanted to reach out to you one more time, to get this resolved, before I take legal actions against them.
Consumer complaint received 2021-06-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (FL)

I traded in the car associated with the loan in question on XX/XX/XXXX and the 10 day pay off was overnighted to Bridgecrest by XXXX on XX/XX/XXXX. The payoff was not applied to the account untill XX/XX/XXXX which resulted in an automatic bank draft to be completed on XX/XX/XXXX for the monthly payment, even though they had the payoff amount. Bridgecrest said it was because of processing time and that they would have an answer for me on XX/XX/XXXX on when I would have my overpayment reimbursement check and how much it would be for. When I called today, they said it just went to review today and that I won't have an answer about how much or when my reimbursement check will arrive untill XX/XX/XXXX. They continue to kick the can down the road and are holding on to money that doesn't belong to them. I also received a letter on XX/XX/XXXX congratulating me on paying off the loan and notifying that the title would be sent. I do not understand how they would be able to do this without knowing what my overpayment was and how they can legally be allowed to hold onto those funds if the title is already being sent out.
Consumer complaint received 2023-08-17
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. (NY)

DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$680.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$680.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX