davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX XXXX is reporting late payment for Equifax, XXXX, And XXXX! Multiple disputes have been sent in to them with no update - no investigation and no replies back from company & credit bureau. Inaccurate information is affecting my ability to obtain credit! Violation of 15 U.S.C 1681G XXXX XXXX XXXX  with XXXX XXXX Equifax - Inaccurate reporting! This account is showing two different dates that a XXXX  was filed/reported. It is also showing inaccurate reporting with the court it was " filed with ''. XXXX  on a persons consumers report is a Violation of title 15 USC 168 - right to privacy. Despite 9 written letters to the credit Bureau 's - this account is still reporting inaccurately affecting my ability to obtain credit. 

XXXX XXXX XXXX XXXX  Reporting for XXXX XXXX Equifax- was included in XXXX  - reporting inaccurate information - open date is wrong - credit limit is wrong - payment status is incorrect - reporting date is wrong - active date is wrong - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. I've sent out 9 Dispute letters with nothing resolved! 

XXXX XXXX - XXXX & Equifax - Reporting incorrect information! Open date = wrong. Account type is showing different details for both credit Bureau 's. High credit is incorrect and has two different numbers. Credit limit is inaccurate and showing two different numberes. No proof of investigation despite 9 letters to credit Bureau 's. This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX - XXXX XXXX Equifax - This was included in XXXX  - and XXXX on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. On top of that - Credit limit is inaccurate - payment status is inaccurate - and active date is inaccurate. 

XXXX - Equifax - This was included in XXXX  - and XXXX  on a persons consumer report is a Violation of title 15 USC 168 - right to privacy. 

XXXX XXXX - XXXX & Equifax XXXX account showing closed, paid and open - account is also showing one missed payment when there wasn't any missed payments. Despite 9 written letters - no change - no reply - and no update.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST (CA)

In XX/XX/2022, my company had several bank checks stolen from the US Postal Service. Three of those checks were cashed by someone at a XXXX XXXX XXXX somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement at all. I have notified my bank, Bank of the West ( BOW ), and asked to have the funds replaced to my account. I have submitted the necessary claim forms and supporting documents. To this point, BOW has refused to replace the funds in my account. 

Obviously, XXXX XXXX is at fault for cashing the checks without proper identification or verification, but that is a transaction between XXXX XXXX and BOW. BOW has to seek restitution from XXXX XXXX. I have been working with BOW, to get reimbursed, but apparently they are waiting for XXXX XXXX to reimburse them. As a customer of BOW, I have a contract with the bank that allows for reimbursement since BOW honored the checks that were not properly payable. It is up to BOW to go after XXXX XXXX separately. 

I have submitted all the evidence and requested documents to BOW several months ago. My bank forwarded all the documents to XXXX XXXX accordingly.
Consumer complaint received 2023-02-28
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. (GA)

Transunions process of blocking and deleting information on my consumer report resulting from identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-04-26
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. (GA)

I have been fighting with the Equifax,   XXXX   and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of the ledger where it shows we had a huge credit balance.     No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money is owed.
Consumer complaint received 2023-01-24
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. (TX)

In accordance with the Fair Credit Reporting act 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 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 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (WA)

Account was closed due to Zelle fraud and another opened simultaneously ( XXXX ). Zelle returned money to closed account ( {$800.00} ) which bounced back. XX/XX/2022. Repeated efforts to get money back through XXXX have failed with being told that might take through XXXX or not at all. Zelle has been basically unresponsive. XXXX did not initially follow through with diverting money to correct account and Zelle seems to have decided that they wont return the money ( wherever it is ). I can provide account numbers and information if requested.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

To whom it may concern, My wife XXXX XXXX has had an Comenity/Ann Taylor Mastercard account XXXX Ann Taylor XXXX # XXXX XXXX XXXX XXXX. She went into the XXXX in XXXX for 30 days. I had to cancel her card. I paid it off with the balance they told me., then I got an interest payment 0f {$120.00} which they never told me, but I paid it. After that I received and interest payment for {$2.00}. I called and they said they were removing it. Here is the number the representative gave me for cancelling the {$2.00} payment on XX/XX/23 # XXXX. I have tried to call and straighten this out to no avail. this bank doesn't care. It's not the {$3.00} which they now added on, it's the principal that they can get away with it. This is unacceptable. 
Comenity is a Horrible Bank and customer service, Please help. Thanks XXXX XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

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. 

XXXX name : XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX Name : XXXX Account # XXXX, XXXX Name : XXXX XXXX XXXX Account # XXXX, XXXX Name : XXXX  Account number # XXXX, XXXX XXXX  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 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 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

In response to a letter from Carrington Mortgage dated XX/XX/2023, 'Incomplete Package COVID-19 Loss Mitigation Review '. I replied with the documents they requested on XX/XX/2023, by email. I assume, XXXXin CM response ' I received an email on XX/XX/2023. I have been notified to sign and notarize a payoff quote for someone who lives in XXXX, Texas. This has become a complete failure for Carrington Mortgage to enforce anything.
Consumer complaint received 2023-02-28
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. (NJ)

Account : XXXX Account # : XXXX This particular account isn't reporting properly on my TransUnion credit report. The account balance and credit usage isn't being reported properly. I spoke to a representative from XXXX XXXX and they stated that there sending updated info to TransUnion.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am victim of fraud. XX/XX/XXXX approximately XXXX XXXX received a call from someone saying they were from Wells Fargo and noticed fraudulent activity on my account. 

This lady was a scammer. Kept me on the phone while a wire transfer was done taking {$6000.00} out of my account. Since I did not have XXXX XXXX in my checking account {$3900.00} was transferred from my credit card. 

I called Wells Fargo the evening of XX/XX/XXXX but the Fraud department was closed. I called XX/XX/XXXX and informed them of what happened. Wells did their investigation and have acknowledged that this was fraudulent. 
The name of the scammer is XXXX XXXX -- the funds were transferred to XXXX 

Wells Fargo told me that their online agreement states that they are not responsible for any one accessing my account and can not help me.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have multiple inquiries on my trans union XXXX XXXX consumer report that I did not authorize an they are direct violation of my rights to privacy per 15 usc 6801 ( a ) They are also in violation of 15 usc 1681a- ( 2 ) ( i ) Trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

XXXX XXXX, Equifax, and XXXX credit reporting bureaus have utilized erroneous information from XXXX XXXX  XXXX. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XX/XX/XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XX/XX/XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted onXX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

Equifax, XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.
Consumer complaint received 2023-01-24
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. (WI)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX. XXXX 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 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 2023-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

Today XX/XX/XXXX I received a letter from Resurgent regarding a debt I have a payment plan on with XXXX XXXX XXXX XXXX. I have been attempting to call the latter to make a payment on the plan set up by their office since XX/XX/XXXX. They have not returned my call but have accepted my money on XX/XX/XXXX. 

I called Resurgent on XX/XX/XXXX at XXXX est and was advised her that the payment plan with XXXX XXXX XXXX valid but they can not see the payment plan and I should keep making the payments as arranged previously. In the notification from Resurgent it states that I have until XX/XX/XXXX to dispute the debt. There is nothing to Disput except who will be honoring my payment plan that I have set up with each of the interconnected companies. 

This is the third company contacted me regarding this debt since XX/XX/XXXX while I have been making payments. Each time I make the payment plan its transferred to XXXX of their many companies, and as it is confusing. It is also an attempt to get the consumer to renege on their plan to make a payment. 

As stated before, this is the third portion of LVNV funding LLC that has contacted me regarding a debt that I have been paying, and it is confusing and a dishonest attempt to collect debt.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have continuously tried to resolve certain issues on my credit reports from all  XXXX  major credit reporting agencys. I have recently applied for credit and was denied. was not contacted at all by these  XXXX  agencys lettening me know there were possibly something negative in my reports and giving me a chance to respond or to investigate. The  XXXX  credit reporting agency 's just went ahead and gave the business inquiring into the credit the reports.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my Lendmark Finanacial account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (CA)

I've been using my Synchrony Bank Amazon Store Card with my Amazon XXXX membership for a few years without any issues. I converted my regular Amazon XXXX membership to Amazon XXXX XXXX membership in summer XXXX and later noticed that I stopped receiving 5 % rewards even though I've been using my Synchrony Bank Amazon Store Card only at XXXX. I called Amazon and Synchrony Bank about 10 times total over the period of 5 months. I've been told numerous times different things like " your case has been escalated '', " you will be contacted soon '', " your will receive your rewards shortly '' ... No rewards, nobody contacted me. I kept making purchases using my store card in the meanwhile. The last time I called on XX/XX/XXXX, I spoke to a supervisor and I've been told that I was not entitled to any rewards, since I was a XXXX XXXX  member. Only regular XXXX Members were untitled to rewards using Amazon Store Card. Very frustrating. I was not notified that I will not receive any rewards if I convert to XXXX XXXX None of the representatives except for the last one had the answer. I lost a lot of time and over {$200.00} in rewards, they offered a {$50.00} credit