davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2018-05-11
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. (GA)

My XX/XX/XXXX statement was paid in full as every credit card, including this one, ALWAYS are. The payment due did NOT reflect on the account so when the next statement came it was not accurate. I could see the electronic payment was posted when looking at my XXXX XXXX account but it was NOT showing up on the PayPal credit account online. As a result the next statement was inaccurate and included late fees and interest AND an inaccurate balance. 
XX/XX/XXXX 's statement was not correct despite a conversation with a CSR who had, at the time, removed the fee 's and interest BUT still had not applied the payment. This continues ( although now, all of a sudden, that payment from XX/XX/XXXX 's statement, applied in XX/XX/XXXX magically appears ). 
I have repeatedly requested a fee and interest fee final balance so I can pay it and move on but have NOT received a reply, in writing, that I requested. 
Additionally I requested that the account be closed BUT they continue to allow new purchases to apply so they have not closed the account. 
They do not respond in writing as requested and have taken no action. All this over what is well less than a {$50.00} " actual '' balance that is now over {$100.00} due to fee 's and interest being charged. Its unacceptable and I need your help to resolve this.
Consumer complaint received 2018-05-11
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: AmeriCollect (MI)

I continue to dispute and this is my second complaint regarding XXXX, XXXX and Americollect. Americollect send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. Americollect is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from Americollect. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Consumer complaint received 2018-05-11
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. (MD)

My credit file was pulled without my authorization. The credit file he had was good until XX/XX/2018, it was not needed to pull one in XX/XX/2018.
Consumer complaint received 2024-08-29
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. (SC)

I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stanislaus Credit Control Service, Inc. (OR)

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 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I had a mortgage with Bank of America and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that Bank of America is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
Consumer complaint received 2018-05-11
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. (MD)

I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My mother died on XX/XX/XXXX of XX/XX/XXXX. I have been using the joint account that she, my brother, and myself have shared while I was her XXXX for about 10 years. I have been on the account for 20 years. I have her will in probate court, but my attorney is lackadaisical about the matter. Over the course of the past 2 weeks Bank of America has frozen my checking account twice for no apparent reason.They seem to need information about my brother, but ... my brother has no interest in this account. He has not lived here for 27 years. On XX/XX/XXXX my account was frozen by BofA with NO notification because they needed some sort of information about my brother .... I was told it was rectified. This morning my account was frozen again. XX/XX/XXXX. Apparently, BofA needed some sort of info regarding my brother they never worried about for the past 30 years. I have spent 4.5 hours on the phone today just trying to figure out what BofA wants, called my brother and went to the bank ... The " financial center manager ... ... XXXX XXXX '' sort of helped me but, he pretty much brushed me off. I deposited my mothers life insurance policy into this account last year, just to cover basic utilities. Gas, water, electric, and phone ... ..While I finish college and clean out the house. No one has needed any information about my brother or myself until this year. 30 years. The insurance check was to me. I find it morally reprehensible that a bank I have been dealing with for the past 10 years freezes my account due to information about my brother they never needed before. He hasn't changed and he just spoke with them last week. Seems to me BofA just wants to steal money. 

Thank you very much, XXXX XXXX XXXX.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I received an outdated lease after I requested validation of a debt. I also received a list of fees that we're out side of the dates of the lease. I believe the lease was altered as well because it stated four months in parentheses as the terms of the lease but it also showed stated the number 12 as in 12 months. An outdated lease can not be used to validate a debt.
Consumer complaint received 2018-03-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to XXXX because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX   account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

THIS IS NOT A NOTICE OF DISPUTE REGARDING AN ITEM APPEARING IN THE EXPERIAN FILE.

This is a follow up to a prior complaint against Experian with the CFPB ( Complaint Number XXXX ) filed via consumerfinance.gov onXX/XX/XXXX.

Experian FAILED to answer the specifics of my complaint, and for this reason, I am resubmitting the complaint.

First of all, Experian is REQUIRED by the rules clearly spelled out in the Fair Credit Reporting Act ( " FCRA '' ), to provide a consumer with the " Description of the reinvestigation procedure. '' 15 U.S.C. Sec 1681i ( a ) ( 7 ).

My NOTICE and complaint against Experian was quite clear, it was a follow up to a PRIOR dispute regarding a factual error on the consumer report, for which Experian claimed the item was " verified. '' It was NOT a dispute itself, but rather a FOLLOW UP TO A NOTICE OF DISPUTE, as per dispute rules of the FCRA.

The Report # was XXXX, dated XX/XX/XXXX. The item in dispute was " XXXX XXXX XXXX '' Experian may NOT simply " parrot '' information from a furnisher, and claim an item is " verified. '' Since this complaint is NOT A NOTICE OF DISPUTE, Experian DOES NOT have my permission to share any personal information regarding this CFPB complaint with the furnisher, and simply pretend that it is a dispute so that it can simply claim the item is " verified. '' This complaint is a NOTICE to Experian pursuant to the FCRA, and Experian MUST ONLY provide me with the following : 1. The EXACT PROCEDURE it used to " determine the accuracy and completeness of the information '' in reference to the Report # XXXX. This includes the PHYSICAL DOCUMENTS that Experian used to verify that the item, including all amounts and payment history were being reported accurately.

2. The NAME of the person that Experian contacted ( vague responses of " furnisher '' or " the company '' will not suffice ). Experian must list the SPECIFIC NAME of the person it contacted ( " person '' is defined in the FCRA, under Sec 603 [ 15 U.S.C. 1681ia ] ).

3. The BUSINESS ADDRESS of the person that Experian contacted regarding the dispute.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1700.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit
Consumer complaint received 2018-05-11
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. (MI)

I continue to dispute and this is my second complaint regarding Equifax, XXXX and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Consumer complaint received 2018-04-30
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. (NC)

This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/18, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had 2 tax Liens that fell off my report and only gained 4 points. Each negatively reporting tax lien is worth 30 points each my score should have risen by 60 points. Nothing else on my report changed but that so it should have increased. Also my second complaint is they removed a positive tradeline without me requesting it. The company is Transunion and the 2 tax lien were  removed betweenXX/XX/XXXX & XX/XX/XXXX My score before the removal via XXXX XXXX  was XXXX after the removal my score went to XXXX with no other negative changes. I believe I didn't receive all the points I should have received. The second issue they also removed a positive tradeline which was XXXX XXXX XXXX betweenXX/XX/XXXX -XX/XX/XXXX causing my score to drop to XXXX. 

Tax Lien account # XXXX Tax Lien account # XXXX Please see screenshot attachments
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NV)

I have had several messages left in my voicemail box stating that I will be served with legal papers to my address on record. I spoke with a representative from XXXX XXXX XXXX  and made a request for original contracts and agreements to be sent to me at my address detailing the debt that they claim I owe. I have not received anything showing that I owe the funds other than repeated calls at times as early as XXXX XXXX XXXX in the XXXX. XXXX XXXX XXXX has also damaged my credit by placing the amount of {$680.00} as a delinquent collection account which is adversely lowering my credit score and preventing me from qualifying for a mortgage program.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XX/XX/2018 received letter saying verified account. The account is closed and charged off, but still reporting on my report. The company is XXXX XXXX XXXX XXXX and XXXX XXXX which sold the account to XXXX and ALL are reporting.