davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-up Complaint Failure to Correct Inaccurate Reporting and Verification Issues Dear CFPB Representative, I am writing to aggressively follow up on my initial complaint regarding inaccurate and conflicting reporting on my credit report by XXXX, XXXX, Transunion. The account in question has been improperly verified, and no corrective actions have been taken to align with the Fair Credit Reporting Act ( FCRA ) 611, even after my formal dispute. This lack of resolution is unacceptable. 

Despite my previous complaint, the following inaccuracies remain : XXXX XXXX XXXX XXXX XXXXXXXX 1. Charged-off account still reporting a balance Violates proper reporting guidelines as charged-off accounts should not carry balances.

2. Multiple Date Opened entries Three conflicting dates are listed, contributing to erroneous reporting.

3. Past Due Amount listed on a charged-off account An inaccurate status that misleads the creditworthiness of the account.

4. Inconsistent dates for key account events : Date Last Reported Comments Section Date of Last Payment Date Last Active Date Opened Account Type This mishandling of data reflects non-compliance with the FCRAs requirements for accurate and fair reporting. The continued presence of such discrepancies on my credit file directly harms my credit profile and financial opportunities.

I demand that the CFPB take swift action to investigate this matter thoroughly and ensure that [ XXXX, XXXX, Transunion ] corrects the reporting immediately. Additionally, I request that all inaccurate data related to this account be promptly removed or corrected to reflect the correct information. 

Should this matter remain unresolved, I will explore all available legal avenues, including filing additional complaints with federal and state agencies or pursuing legal action, to ensure that my consumer rights are protected. 

Please treat this letter as a formal and urgent request for action. I expect a written response within 15 days confirming the specific steps taken to resolve this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Financial Services Group (SC)

I received A letter on XX/XX/XXXXdated XX/XX/XXXXfrom XXXX XXXX at a company called XXXX XXXX XXXX XXXX XXXXXXXX, a Subsidiary of Global Financial Services Group , Inc. the letter was addressed to my birth name, which I had legally changed in 2018. The letter claimed that XXXX was a collection agency for my creditors identified below. I had failed to pay {$970.00}, which had resulted in my account being sent to collections. The credit tours were health care providers located within the network of providers in my local Hospital System, which I did regularly see between XXXX. However, I was on a long-term payment plan set up with this Hospital Systems billing department. I called the billing to be sure everything was okay. The representative from my Hospital Systems billing department, where the overdue amounts listed were taken from, said that my account was up-to-date, I had not been sent to collections, and they did not know of any company called XXXX. Moreover, they did not know where this {$970.00} amount came from. I made sure to ask that I didn't owe such-and-such amounts listed. It was confirmed, the letter wasn't real. As I looked at the amounts and dates provided by XXXX I realized some of the procedures were over a year old and had already been paid for, and certain ones had to be paid for up front like with XXXX or XXXX XXXX. I did a little research on the company and realized this wasnt the first time theyd tried to collect on a nonexistent or already paid medical debt. I was phoned by a XXXX representative on XX/XX/2018 at XXXX XXXX asking for my former name. I replied that she was speaking with the person of my legal name but refused to give any personal information once she revealed she was with XXXX. When I told the representative Id contacted my healthcare providers that theyd listed in the letter -- who had no idea what this company was or where this debt came from -- she kept insisting she could give me more information if I confirmed my identity. I told her XXXX would be getting a legal letter explaining how they could prove, without question, I owed a debt to them. The burden of proof wasn't with me. I didn't have to prove who I was since I'd confirmed her company wasn't affiliated with my health care 's billing system. Once I mentioned legality and government reporting, she said : Okay, Miss, Ive updated your account, goodbye. And hung up. Im sending them a certified letterbased on a template borrowed from the Consumer Financial Protection Bureauand shall be reporting them not only to the FTC, but my Attorney Generals office, as they are located within my state. Here is the companys local address and website : XXXX XXXX XXXX XXXXXXXX Dispute Resolution Department XXXX XXXX  XXXX XXXX, SC XXXX https : //www.globalfinancialservice.net/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in to be removed.

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 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 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I opened a new XXXX XXXX XXXX last XX/XX/XXXX and received XXXX reward points of promotion offer. This XX/XX/XXXX I closed the account since I didnt use this card too much but the XXXX reward points of promotion offer were deducted for no reasons. I met all spending requirements and Amex should not remove these rewards points of promotion offer.
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Dear Sir, Citizens Bank did not answer to my previous complaints to CFPB for missing check clearance records, transactions and various transactions in my check-in account. Also, Citizens Bank response is highly unsatisfactory for missing check clearance records and my previous complaints to CFPB against Citizens Bank. Hence, I would like to proceed with next step of proceedings on various missing checks, clearance records and bank transactions. I need a official monthly paper statement of my Check-in account for last eight months [ XX/XX/2018 to XX/XX/2018 ]. Could CFPB kindly direct Citizens bank to send me the official monthly paper statement of my Check-in account for last 8 months [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2018 ]. All the official monthly statements ( for last 8 month ) with Citizens Bank covering letter should be mailed to my address at the earliest.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX XXXX are reporting two collection accounts on my credit report one opened XX/XX/XXXX for the amount of {$54.00} and the second one opened XX/XX/XXXX for the amount of {$83.00}. I checked the Secretary of State website to see if this debt collector has a local general business license to operate in California as stated by the law and this company is not locateable as a Corporation or a LLC/LP.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

CapitalOne closed all 4 of my credit card accounts because of a returned payment. Did not notify me, they closed the accounts XX/XX/year> and sent letters on the same day leaving me in the dark about the closures.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In XX/XX/year> after failed attempts to rectify the issue with XXXX XXXX ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, XXXX agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, XXXX has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2018-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I accidentally made a double payment on my Lowes account in XX/XX/2017. I cancelled the payment scheduled for XX/XX/XXXX to correct that not realizing I could not do that. XXXX XXXX contacted me several times and 2 different persons told me id I caught up this missed payment they would forgive the late fees. I did as they asked and ignored the late fees as they had told me they did not apply. However, every month after that they added more fees until my {$67.00} payment due increased to {$130.00}. At this time I borrowed this amount from my neighbor and paid the amount they requested to keep my credit in good standing. Synchrony continued to add fees until the current balance owed is now {$340.00}. I have spoken with them on several occasions but without a good outcome. I have contacted Legal Aid, LOA and Veterans Administration ( I am the widow of a veteran XXXX on XXXX XXXX ) who did not even bother to respond. I am supposed to be eligible for legal assistance as a XXXX era widow. My lawyer suggested I contact you for assistance as she could not help me.. I live on a fixed income and have not the resources to pay Synchrony what they are asking. Incidentally, this account with Lowes is over 20 years old and has been paid in full several times.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-06
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. (LA)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT THERE WERE SEVERAL ACCOUNTS THAT I HAVE ZERO KNOWLEDGE OF NOR DID I GIVE THEM AUTHORIZATION OR A SIGNATURE. Here are the accounts : XXXX XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} {$1000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$4900.00} {$3700.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX {$700.00} {$330.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$5000.00} {$4600.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX SPRINT ) XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian 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 Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX
Consumer complaint received 2024-10-05
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018, Judge XXXX XXXX, entered an Order setting aside the garnishment. The Court Order states that all funds held by Bank of America ( Garnishee ) must be release to defendant XXXX XXXX. The order also reflects that the garnishment is dissolved. On the very same day, i furnished a copy of the Court Order to Bank of America legal team, however BOA has not updated the account or set aside the garnishment pursuant to the Court Order. Numerals calls have beeb made to BOA and they continue to delay the process and this creates additional hardship to defendant. BOA has ignored a court Order, BOA should be sanction.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I was a victim of a fraud and Bank of America canceled my card and I told me I wasnt gon na be able to bank for the next 5 years. Its been a year I been trying to fix this but I seem to get no where. I have XXXX reports and pictures thats I was fraud with trying to put fake checks in my account.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in 60 days to be removed.

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.

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 8
Consumer complaint received 2018-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I and my family have been in search of a new home. I noticed a numerous amount of accounts, a social security number, addresses, etc. on my report that do not belong to me. i have filed a police report Please remove this fraudulent activity from my report immediately.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IL)

In XX/XX/2018, I paid Citibank the full amount owed on my account and they submitted to the credit bureaus that I paid a settlement amount. That is completely false. I am extremely disappointed that that this inaccurate information was included in my file. 

Debt is owned by Citibank. 

Credit Card : Bloomingdale 's XXXX
Consumer complaint received 2018-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: D2 Management LLC (TX)

I recieved a call from D2 management regarding a payday loan in which I never received. Was told this was XXXX loan from XXXX XXXX and I informed them that I havent gotten a loan and I ended the phone call