davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I live in XXXX Florida and live in a county that was declared a federal disaster area with Hurricane Irma. I got evacuated and was living in a shelter. I lost work and got behind on many of my bills, including rent and car payment. I have a MasterCard with Capital One and last XXXX, I filed a complaint against them with the CFPB, because theyunlike my other creditorswould not defer a payment for the month of XXXX. Only after receiving my complaint t with the CFPB, did Capital One contact me and say they would defer XXXX payment. 

I am still having financial problems related to the Hurricane, because getting behind on your other bills often results in extra fees. I mistakenly did not pay my XXXX bill with Capital One, becaus I thought my account was incorrect t when I checked it online and did not have the deferred payment figured into my account. I thought the online record was a mistake and that the XXXX payment was not due, because my account was on deferment. Apparently, I was in error because of all the confusion on my account. 

So, I now find out that I really owe two months payment, rather than one. And if I dont pay my bill by Thur, XXXX/XXXX/XXXX, I will be reported to the credit bureau as being 30 days late. The problem is, I can not make the payment until the following day ( Friday ), when I get paid.

I talked to the Supervisor at Capital One and asked if they could defer reporting me to the credit bureau if I pay two months worth of payments as due, on Friday instead because of the mixup and my financial difficulties due to the hurricane. They said NO. They will not help me at all. 

I am trying to keep my credit history good because I need to purchase a car and this will harm it severely. 

I am asking for the CFPB to step in and prevent them from reporting to the credit bureau because of paying one day later than the payment is due.
Consumer complaint received 2018-01-16
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. (MS)

XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-12-08
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)

I contacted my Student Loan provider in XX/XX/2021. My account at the time was current. My hours at work had recently been cut due to them needing to cut back some hours because business was slow due to the Covid Pandemic. The customer service agent I spoke to said they would be happy to assist me and it just so happened that XXXX XXXX XXXX had some temporary repayment options. I was told since my account was current i qualified to keep my account current even if i deferred the payment. I was happy. I started paying my loans back as agreed. But then I find out discover had reported my account delinquent when I thought we had an agreement. Now my credit score has dropped a significant amount. When I called XXXX XXXX XXXX to bring up this issue they said they had no record of said call. That they would have to look back and listen to the call and even then it wasn't a for sure because the call might have been deleted from their server. All they said was that they would talk to the employee but that I was basically XXXX out of luck and that was that. All they tell me is to dispute their claims. Its not fair that they tell the customers they will help when they actually don't. Now I'm suffering with negative remarks on my credit report and wont be able to buy the house I wanted to because this employee gave misleading information or just didn't care enough to adjust my account.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : 1 ) Account Name : XXXX XXXX  XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the account number, last activity, time 30/60/90 Days Late and amount past due. 
2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the account number, last activity, status and account details Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1.Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2.Section 611 : Right to dispute inaccuracies and request investigation.

3.Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4.15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Additional Information : Attached documents : letter Transunion, Proof of Inaccurate, ID, Bill, SSN
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX A bank representative with Wells Fargo Bank by the name of ( XXXX ) informed me that a dispute was opened in XX/XX/XXXX for a claim in the amount of {$620.00}. 

The disputed opened was for an unauthorized charge. The company called XXXX charged my account without my authorization. 

XXXX an agent w/ Wells Fargo Bank also informed me that this claim which was paid back in XXXX was reversed and that proof would be required to reverse the unauthorized charge for {$620.00}. The agent informed me that if that proof was provided the claim would be opened up and the charge for {$620.00} would be reversed. 

The agent also informed me to fax any proof over to the claims department to confirm payment was made to the vendor XXXX in the amount of {$620.00} The agent provide a fax number ( XXXX ) XXXX The agent informed me to include a claim number claim # XXXX on all my docs After submitting information as requested I was later told the information provided to me by XXXX was invalid and incorrect and my claim would ( not ) be reopened and would remain denied. 

I am requesting that Wells Fargo take full responsibility for what the agent informed me and reverse the charge for {$620.00} like I was informed by two agents of Wells Fargo Bank. 

I would like the phone calls reviewed on XX/XX/XXXX with agent XXXX and on XX/XX/XXXX with XXXX Claims supervisor ( XXXX ) agent ID # XXXX informed me the a bank error was made and that I was given incorrect information by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX both informed me to submit proof of payment to reverse the claim however ( XXXX ) informed that the information was false. And any false information provided by an agent would not change the decision he made to deny my claim due to a bank error.
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (TX)

Every day the company XXXX has called me at different times. I had informed them to stop calling me because I have XXXX XXXX and XXXX XXXX. I also informed them that I am a customer with XXXX XXXX XXXX. They informed me that they do not care at all.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX Acct # XXXX I originally disputed the information in XXXX concerning this account. The company responded as verified and accurate. I later contacted the XXXX to work out an arrangement. We came to an agreement concerning this account. After several months of contacting the credit bureaus due to the inaccuracy of reporting this account, I would like this account deleted from my file. 

Included are my documents proving that the credit bureau willfully continues to report incorrect information damaging my credit worthiness. The first page is the settlement offer which I accepted on XXXX XXXX, XXXX. The second page is taken from my XXXX report dated XXXX XXXX, XXXX. The third and fourth page is from TransUnion dated XXXX XXXX, XXXX. The fifth is XXXX dated XXXX XXXX, XXXX. As you can see, there is no attempt to report the status, grid or comments correctly. There are also gaps in the grids and failure to include date of last activity. 

The second attachment is proof that I did pay XXXX. I included both pages of my statement for completeness. On the second page, you can clearly see that on XXXX XXXX, XXXX, the payment was made to XXXX. If you wish, you are more than welcome to verify this with them. 

Under FCRA Section 623, the credit bureau refuses to correct inaccurate information and I do not wish to seek damages at this time. However, I would like this account deleted immediately.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I see items on my credit report that I dont recognize, which leads me to believe my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report as quickly as possible. Their presence is causing me significant stress and misrepresents my true credit history and financial responsibility. If we cant resolve this issue, I am prepared to pursue legal action to protect my rights and find a solution. These inaccuracies on my credit report are severely impacting my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this matter soon.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

When ever one of my car payments is due on a weekend Bank of America 's system does not update and show my payment. According to the finance manager upon acceptance of my auto loan, I was advised that I have a 10 day grace period. I have never gone pass the 10 day grace period, yet Bank of America 's collection department calls me non-stop all day to " collect '' on a payment that 's not late, nor past due. I have advised them to stop calling me as the payment was scheduled within the grace period and their systems do not update in real time. However, they continue to call. This is harassment and a violation of the Telephone Consumer Protection Act of 1991. They are collecting on a past due account that does not exist as the account is not past due. I demand that their executive office contact me and issue a formal apology for this harassment.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (NY)

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 accounts 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/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/20XXXX XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (KY)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. 
A XXXX search on this company seems to indicate that they are a scam company. 
XXXX said that they never heard if them and do not use them or their service. 
XXXX XXXX Said my account # is XXXX
Consumer complaint received 2024-10-28
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-07-02
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. (FL)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MO)

Yesterday, I received XXXX denial letters for Discover Bank that came to my home address, however, they are not in my personal name { & i've not applied for ant credit through Discover }. In addition to receiving these XXXX notices I received a toll invoice from the XXXX XXXX XXXX XXXX XXXX for toll fees that again wasn't addressed to me, but, to my home address. The name on the toll invoice matches XXXX of the names on the Discover denial. The plate captured in XXXX XXXX XXXX Texas XXXX XXXX. Please let me if there's anything i can do to prevent individual 's from using my address? 

Respectfully, concerned citizen
Consumer complaint received 2018-05-12
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. (KY)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score. I then called the three Credit bureaus, XXXX, Equifax, and XXXX to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX XXXX XXXX. XXXX  XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
Consumer complaint received 2024-10-28
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. (NC)

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-29
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. (OH)

XXXX XXXX, XXXX : XX/XX/year> : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account : XXXX XXXX XXXX under account # XXXX, An collection Account under MBA LAW : Account number # XXXX, Another collection account under XXXX XXXX XXXX : Account # XXXX, collection, INQUIRY : XXXX XXXX XXXX, INQUIRY : XXXX XXXX ; These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I XXXX XXXX had ownership of a car from credit acceptence and I traded the car in at a dealership called XXXX XXXX in XXXX, NewYork part of XXXX. The dealer I gave the car to at XXXX XXXX never paid off the car, He never cut credit acceptence a check for the pay off amount for the car. The dealer ended up robbing XXXX XXXX of all the files and car deals that he made for the company. So, he stole my files to the car and any evidence that I traded in the car owned by credit acceptence. He ended up consequently getting my trade in car from credit acceptence reposssed off of the XXXX XXXX car lot. He called me months later after asking if I had the car, he knew that I didnt. I went to confront him and he was gone, the XXXX XXXX vanished I arrived to find out that a different LLC had taken ownership of that dealership. I now am stuck with the debt of XXXX being negatively affecting my credit profile. I have spoken to several representative at Credit Acceptance in relation to this matter. I also had the attorney general of Florida file a complaint on this dealers conduct. Also during the transaction of trading in the vehicle in the year between XX/XX/XXXX and XX/XX/XXXX I requested that the president of Credit Acceptence get involve in this unfortunate event of my car buying experience, the president of Credit Acceptence bank called the dealer several time to try to  get the dealer to cut the check in the amount of the trade in but the dealer at XXXX XXXX kept ignoring his phone calls, the president of credit acceptence did not make any notes on his attempts to reach the dealership on my account. I had paid the Car note prior to trading in the car owned by Credit Acceptance. I do not have any paper work to prove this complaint since XXXX XXXX vanished along with the dealer.