davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-22
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. (AL)

Transunion informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only XXXX4..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a XXXX of inquaries tht i cant access... thanks for your help
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (KS)

I had fraudulent activity on my Credit Card with Welks Fargo, I spoke to the Fraud Department and file an investigation and told them that I was not responsible for the charges XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX KS XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
All of these were put back on my Credit Card because they said that they did an investigation and the card was in my possession which it was not, it was lost, I'm not going to pay for something that I'm not responsible for. 
Wellsfargo in my opinion is horrible.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.
Consumer complaint received 2023-04-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have previously contacted XXXX, experian, and XXXX about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for sixteen years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX XXXX have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX XXXX of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the three credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (RI)

Synchrony Bank 9Amazon Credit card Synchrony Credit Card Amazon To Whom It May Concern I am asking your assistance with an ongoing problem which I have with Synchrony Bank. 
In XXXX, I suffered a XXXX and since ( since I live alone ) I have tried to make payment card ... the problem, since I do not currently live at home ( I am in a XXXX XXXX ). I do not have access to my credit cards it is not programmed into my computer. 
I contacted the bank in XXXX requesting my account number... they sent the last 4 numbers. Over the last 3 months I have requested mu account number another 7 times only to be sent the last 4 numbers. As you know to enter the site you need the 16 numbers of the account. 
In the meantime, my credit score has dropped dramatically, my Amazon account has been suspended etc/ and thelate fees have been adding up. 
I have entered my debit card to the account and have asked Amazon to deduct the amount from that card. I have also asked them to e-mail or regular mail and not call because part of the XXXX was I had also lost my voice which I am slowly getting back. However the bank has made between 19 and twenty calls a day to which I can not respond I can supply copies of emails on request
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2000.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/XXXX, the bank debited my Regions checking acct for {$50.00} in error. This checking acct and several others were previously joint accts with my mother. She also had some accts in which she was the sole owner. She died on XX/XX/XXXX. After her death, I took her death certificate to the bank and had her removed from our joint accts and closed all the accts on which she was the sole owner. Apparently they missed closing one of her solely owned accts which had a {$50.00} annual fee and they debited my acct for that fee. I would like to be reimbursed this {$50.00}. I was told by XXXX XXXX, the branch manager ( XXXX XXXX XXXX phone ) that I would not be reimbursed.
Consumer complaint received 2023-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the account XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I haven contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax 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 : Clerical Error : The payment was made on time, and I have attached bank statements confirming the payment date. 
Processing Delay : There was a delay in processing the payment on the creditor 's end, which resulted in the payment being marked late. Correspondence with the creditor confirms this. 
Miscommunication : I was informed by the lender that the payment due date had been extended. I have provided evidence of the communication where this extension was acknowledged by the lender. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (LA)

Received information and credit hit for a collection from XXXX XXXX stating I have a balance of {$3800.00} with XXXX XXXX XXXX for account # XXXX. My account with XXXX XXXX XXXX was paid in full and closed in XXXX after vehicle was totaled out. XXXX AND XXXX benefits paid amount on payoff quote submitted from XXXX XXXX XXXX. Recently even received a notice of a XXXX credit from XXXX XXXX XXXX. I do not owe any money to this company, and it was impossible to be late in XXXX as that car does not exist and I was not financed through them at that time.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A couple of months ago I submitted a complaint to CFPB, regarding unauthorized transactions from my Bank of America account. Bank of America responded to my complaint XX/XX/2023. Their response was to call the number ( XXXX ) XXXX XXXX extension XXXX, which belongs to resolution specialist, XXXX XXXX XXXX Since, XX/XX/2023, I have been calling everyday to obtain Bank of America 's response. However I haven't received any call back from XXXX XXXX or Bank of America in general. It has been more than a month since my complaint was closed and I have NOT received any call, voicemail, email or mail. I have called XXXX XXXX numerous times. After calling CFPB customer service, I was advised to submit a complaint. As any other customer I except clear communication with Bank of America.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Received email and text message regarding an account with Capital One that I do not have. I am an identity theft victim have never done business with Capital One. I contacted them but their system was not able to give any details about the fraudulent account at the time. However, they were able to confirm that an account was opened under my name using my social security number. I do have credit freezes with all 3 credit bureaus and with XXXX.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (GA)

I have contacted these credit bureaus as it relates to my credit profile. XXXX, Experian, and XXXX all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.
Consumer complaint received 2023-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (PA)

Original complaint filed XX/XX/2023 ( did not process ). Credit Management Company ( CMC ) notified on multiple occasions about issues around the validity of debt they are attempting to collect. Notified that this is not my debt and is not a valid claim. Ignored this fact and refused to provide any evidence to the contrary. Claiming invalid contract is evidence of claim. They can not support their claim and all further attempts will be disputed. 

Secondly, they responded to a previous CFPB complaint with inaccurate information. They are attempting to report this to a credit agency and have no right.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BQ & Associates, P.C., L.L.O. (KS)

These people purposely gave the sheriff an address I haven't lived in since XX/XX/XXXX. I was never served nor did I know they were handling this account. I have been disputing it with XXXX I am 100 % sure they have my current address on file. We have mailed each other back and forth with my current address. They should have had my current address from XXXX when my file was transferred to them. This company was neglectful and denied me my legal rights as an American to defend myself from a lawsuit. 

They claim the account was originally opened with XXXX XXXX XXXX in XX/XX/XXXX. I have been living in my current address at that time. Wouldn't my current address be on the credit card application? 

I called them twice today. She asked for my info but I decided to give her my last 4 and phone number being that I didn't trust them. I wanted to know the address the supposedly served me at. Then they agent told me that's the address they have on file. I called them again for the second time after I called the court to inquire about filing a motion. I reached the same agent again. I asked to speak to the assistant attorney as advised by the court clerk I spoke to. The agent denied my request. She said the attorney doesn't talk to clients unless at court. She said she can give me the information I needed to know. She then admitted that they also have my current address on file. I asked her why woukd they give the sheriff an address that I don't even live in and she answered " that's the address you must have used when you opened the account ''. 
I asked her how is that possible if I haven't lived there since XX/XX/XXXX? If account was opened in XX/XX/XXXXit would be under my current address. I proceeded to ask her how they got my old address and she said " we don't have to tell you that, that's privilege information ''. 

One moment they claim I owe {$710.00} ( on report ) The next they claim I owe {$820.00} ( credit report ) Then it claimed I owe {$830.00} ( credit report ) Today they said I owe {$830.00}. ( Credit report ) I will be filing for a motion as well as countersue, but also needed to file a complain to shed light on their shady business practices. It got so heated that I couldn't even finish asking my question because of the agent repeatedly speaking over me.