davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (CA)

Experian has continued to ask for additional information to support my disputes, i have complied with XXXX XXXX XXXX and Experian request on XX/XX/2022 in person at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. XXXX employee of Experian reviewed, confirmed, and sent all documents to XXXX XXXX XXXX Consumer Affairs Specialist.  On XX/XX/2022 i submitted additional document at the same location and was sent to XXXX XXXX for review and to open dispute. I did not receive a email stating that a disputes was open for the dispute dated XX/XX/2022. 

I have sent full copies of police reports multiple times and previous fraud related items has been removed per those police reports.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2015-07-25
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings (LA)

I pulled my credit file and saw I had one ( 1 ) collection item from XXXX XXXX XXXX XXXX. The creditor is Speedy Cash XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XXXX. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank is the credit card servicing bank for BJs MasterCard. In my invoice for XX/XX/XXXX, I noted a late fee of {$41.00} added to the amount due. I submitted payment on or before XX/XX/XXXX with an expectation that the payment amount would be processed in advance of the stated due date of XX/XX/XXXX. I contacted Comenity Bank using their online Customer Service portal ( see copies of communications attached ) who indicated that they would remove the late fee. I made an additional payment of {$170.00} on XX/XX/XXXX with the expectation that this would certainly be processed well in advance of the stated due date of XX/XX/XXXX. Unfortunately, my XXXX XXXX showed a late fee debit of another {$40.00} and no indication of the receipt of the amount submitted for payment submitted on December 29, 18 days before the due date! I have submitted a payment in the amount of {$200.00} via my personal bank XXXX XXXX Bank ) online BillPay dated XX/XX/XXXX with the expectation that this payment will be processed at Comenity Bank as of or prior to the stated due date of XX/XX/XXXX. I am not hopeful that this payment will be acknowledged by Comenity by that date. 
It is my belief based this history of their refusal to acknowledge receipt of amounts tendered via the XXXX XXXX  XXXX online banking application in a timely manner, Comenity Bank is engaged in a fraudulent banking practice, intended to obtain significant financial profiteering via the manipulation of the electronic banking system and deliberately and intentionally denying receipt of funds tendered in a timely manner. In todays current use of electronic money transfers between and among banks and banking institutions, it is unconscionable that Comenity is allowed to engage in such fraudulent actions which in effect amount to theft. I can only XXXX the total amount of funds obtained through this practice on a nationwide scale, even if limited to BJs customer Mastercard accounts. 
Please feel welcome to contact me should you require any additional information. 
XXXX : I note that the XXXX bill from BJs includes a note indicating that as of XX/XX/XXXX, the BJ Perks Mastercard program will change from Comenity Bank to XXXX XXXX. I wonder why this change was determined to be necessary by BJs.
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP (FL)

This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank ( XXXX XXXX  ) withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.
Consumer complaint received 2023-02-01
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. (NC)

I am a victim of identity fraud. I have been requesting Equifax to remove the fraudulent accounts from my consumer report due to the transactions not belonging to me. Equifax has responded stating that the accounts are verified however they have not sent the proof of the fraudulent accounts being verified. I have not received any documents with my signature on them or any validity of contracts. I have not attempted to obtain any form of credit in several years so I should not have any inquires reflecting on my consumer report. I have submitted police reports, showing that my personal information was stolen in 2015. I have submitted my social security card and ID to show that I am who I claim to be. I have called serval times and spoken to Equifax along with written communication and they have failed to remove the inquires and fraudulent accounts. At this point I am being victimized my Equifax!
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CO)

I am paying more than the minimum each month yet it is not being applied to principal. I had the document withheld and wasnt able to register it in a timely manner. I also received my title sent to me and knew that wasn't right and made sure they received it since they owned the loan. I have been nothing but cooperative. I am suspecting i have been over charged and my interest rate is way too high.
Consumer complaint received 2019-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

Navient has been encouraging me for years to continuously go into forebearance during hardships rather than offering any interest rate or plan, bad advice thats added thousands of dollars onto my debt. I feel they have misled me and even denied to share about any options I had.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have been with wellsfargo bank since 2008. However, i have had multiple issues where they charge me transactions on the wrong day, fees for not using my card for that month, overdraft fees caused by charged done on the wrong day. When i call and try to talk to them and question them a out it, they just say there's nothing they can do. That, that is how the fees are setup. Even when i lost my job and asked them to waive the XXXX fee for not using my card that month, they said they could only refund me $ XXXX. Making my account overdrafted by XXXX plus the XXXX remaining. Then sending me a letter that i had 5 days to bring my account current otherwise I'd be closed off and sent to collections.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (TX)

The bureau is in violation of law. XXXX is not a licensed debt collector in the state of Texas and therefore can not legally submit or " verify '' any information on my behalf to any third party agency, according to the Texas Treasury Website. They have submitted this information and are not legally licensed to do so, Please SEE ATTACHED VERIFICATION. This inaccurate, false account must be deleted immediately. As you can see via my report, no other bureau has accepted this illegal information. 

DELETE : XXXX XXXX
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (DC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MN)

Based on the promotion from Chase Bank, I opened a checking and savings account, then had two electronic direct deposits paid by my company in XX/XX/2022. As attached. 

However, Chase just refused to pay my bonus, which should have been {$300.00} + {$100.00} credited to my checking account since I met both requirements for savings and checking. 

I have done my part ; Chase should've honored their offer.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Bought a new home XX/XX/XXXX. Our mortgage was bought by Wells Fargo. First payment was due XX/XX/XXXX. We set up for a autopayment to be mailed from our bank XXXX. They mailed a check for the mortgage amount to a local branch in XXXX  XXXX, XXXX XXXX month later we received a call from Wells Fargo stating they are attempting to collect a debt. It was for missing a payment for XX/XX/XXXX. Did investigating on my end and located that the check was indeed received, however an individual of the XXXX XXXX location endorsed the check and deposited it into a business account. I collected the image and explained to the customer service individual this happened. they created a inquire on my behalf on XXXX XXXX. On XX/XX/XXXX, I went to the XXXX location in XXXX XXXX GA to gather a copy of the check as well as to confirm that the check was deposited. This is due to a call that was received from Wells Fargo. They stated they did not have the check and that we needed to pay. They stated they had no proof that this was deposited and it was our bank ( chase ) was responsible to gather that money back. On XX/XX/XXXX, chase put in a appeal but unfortunately because it was deposited there was no way to gather the money back. we continued to get harassing calls daily from Wells Fargo asking for the money for the mortgage. I continued to send documentation to support that the money is there but in someone else 's account. I ended up reaching out to the business that had our mortgage money in XXXX XXXX the business confirmed they had the money but also wanted to confirm the check was deposited. we send over the documentation to the business. we then received another call on XX/XX/XXXX stating again they were collecting a debt. they still came back mentioning they can not go into someone else 's account without their consent. even though we gave Wells Fargo the business contact to reach out to them. they declined the information. they have threatened to hurt our credit as well as send us to collections. this has been on going monthly and the harassment has been ongoing. they have not helped and do not listen. they close out complaints without actually using the information provided. we are worried our credit will be hurt, we will be sent to collections and possibly lose our home.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2023-02-01
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: ALLY FINANCIAL INC. (GA)

Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and d XXXX.
Consumer complaint received 2023-02-01
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. (DC)

My Equifax Report XXXX score was XXXX. I have not made any hard inquiries and nothing has changed on my account. The other Bureaus gave me a Good score and it has not changed. For no reason in 24 hours they dropped it from Good ( XXXX ) to Fair ( XXXX ) for no reason.