davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (MI)

In XXXX 2017, I requested a balance transfer from my XXXX XXXX XXXX to my XXXX XXXX Credit Card ( issued by Comenity Bank ). This was to take advantage of a 0 % interest offer. The XXXX XXXX Credit Card shows the XXXX balance transfer completed. The XXXX XXXX XXXX was never paid, however. I now owe the same XXXX to both companies. I have called both companies - XXXX XXXX says they never received anything from XXXX XXXX. The XXXX XXXX card people said they would look into it, initially they credited it back on the card, then they said they ca n't credit it back because it has already been paid to the other credit card company - but that is not true.
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MI)

I have been overdrawn at TCF bank for a day and a half. They have charged me a total of {$380.00} in fees. The majority of which are for transactions that were made and pending before I became overdrawn. I called to complain and they would only credit back {$120.00} of the fees. I had only two transactions that caused me to be overdrawn. The original one that put me over and one automated payment that went through after that. By there own fee schedule that should total {$130.00} in fees ( {$28.00} for each day overdrawn and {$37.00} for each NSF ) Instead they have charged me {$380.00}. I see there is a lawsuit against them for these types of predatory fees. Please help me to get my stolen money back from them. This bank should not be able to get away with this.
Consumer complaint received 2017-07-29
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. (GA)

I am submitting a complaint about my student loan .I have received letters informing me that XXXX is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Consumer complaint received 2017-07-29
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. (NY)

Transunion is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Transunion notes the status as never late for an account that was opened on XX/XX/XXXX, however, the loan servicer is only reporting monthly payment history for most months an " Unknown ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Transunion posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than XXXX different student loan accounts that Transunion has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Transunion allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. This appeared to be retaliatory because newer, undisputed loans originating in XX/XX/XXXX, XX/XX/XXXX report a status of " OK '' each month. Payment history is available and known and must be reported. XXXX has also supplied a document that states the payments have all been on time.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On X/XX/17 a charge was made on my Bank of America Mastercard in the amount of {$320.00} at XXXX # XXXX in XXXX, OH. Neither of the authorized cardholders on this account ( my wife and myself ) made this charge. I have made repeated attempts by phone and by mail to resolve this issue. Finally, BofA agreed to investigate the issue. A case number XXXX was assigned. They notified me that the card was swiped at the store, therefore the charge was considered legitimate and my claim denied. A sales slip was provided as " evidence ''. I have pointed out repeatedly that we never have been in XXXX, OH, did not make or authorize the purchase, and that the signature on the sales slip was not that of either of the cardholders. Since my last response rejecting their resolution was mailed on XX/XX/XXXX there has been no response. It seems unreasonable that they should be allowed simply to ignore this issue and try to resolve it by stonewalling and not taking into account the substantive details of the dispute by a pro forma response. So far the charge has not been removed.
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth Finanancial is in violation of my rights. This is my 4th complaint to the CFPB. Commonwealth
has responded to each complaint in writing claiming that they will remove these accounts from my credit report.
After finally doing so from all three bureau 's, they have come back and put them back on my XXXX  credit report a week later.
By doing so they have damaged my credit scores tremendously I have not received any notice from them and therefore they are in violation and facing law suit.
Consumer complaint received 2017-07-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( XXXX, XXXX, TransUnion ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A  summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (FL)

Hello, I had a collection reported on my credit report that occurred approx. 14 years ago. It was removed from my credit report many years ago. However, it has now been placed back on my credit report, with a different creditor and a different collection agency. When I contacted the agency they advised that they account had been sold and they were now attempting to collect the debt. I believe in Florida the SOL is 7 years. I can not recall the original creditor, I believe it might have been XXXX XXXX. It is now reported as XXXX XXXX XXXX. Collection Agency : Midland Credit Management Inc., the outstanding amount owed is XXXX They continually call me and send me letters with offers to pay 20 % and 40 % of the outstanding amount due. I would really appreciate any assistance you can provide to have this resolved. Thank you.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

I am submitting a complaint about my student loan .I have received letters informing me that NELNET is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. Nelnet send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.
Consumer complaint received 2017-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

I 'm seeing a hard inquiry by Cbna on my credit report, never saw it before but it appears now on my report from XXXX saying its from XXXX 2016 I never requested anything from this company I 'm almost sure it 's a ID theft issue please provide me some help as I ca n't go thru XXXX, I 've tried but for some reason it does n't let me go thru. Thanks
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is XXXX.
Consumer complaint received 2017-07-29
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. (MD)

I contacted Transunioin and XXXX about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.
Consumer complaint received 2017-07-29
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. (MD)

I contacted XXXX and Experian about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I notified the bureau the XXXX account was reporting incorrect. A payment of maybe {$25.00} was due. I paid hundreds to pay the account in full and closed it. I was leaving for a few months and I Did n't want any issues with my credit. I paid the amount XXXX 's stated in their department store and closed the account. 30 days later it reported late as XXXX failed to include any odd days of interest. The bureau is reporting the account is paid, was past 30 days past due. I have NEVER been late on any accounts. I always keep low usage and I pay more than the amount requested. The bureau posted my consumer statement on my report but they are factoring the late payment when scoring my credit. They are reporting 7 months since last late. This is not correct. XXXX 's is reporting paid and closed by consumer but the XXXX time late remains and is affecting my scores which is affecting rates etc. I am requesting either delete the late payment or the payment history and rescore my report.
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

A collection account is showing on my credit report from XXXX XXXX. I have no knowledge of this company. I have never entered into a contract with this company. In a previously filed complaint against XXXX, I have requested written proof that I owe this debt. I request he name, address and phone number of the person that verified/validated this debt. I am requesting a signed contract showing that I have entered into some kind of agreement with XXXX XXXX. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
Consumer complaint received 2017-07-28
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 (FL)

BANK OF AMERICA XXXX XX/XX/XXXX {$6300.00} XX/XX/XXXX {$6300.00} CHARGE-OFF {$0.00} This account dates back to XXXX and was charged off more than 5 years ago. Yet, it just got reported on XX/XX/XXXX. There is no reason for this being reported now. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance ( see attachment ). This negative entry should be removed immediately. I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX.  Clearly I was the victim of a fraudulent scheme by this company and I would ask that XXXX correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.
Consumer complaint received 2017-07-29
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. (GA)

While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AZ)

I have a ulta rewards mastercard with Comenity Capital Bank. I owe XXXX paid off XXXX other week. They have now added XXXX late fee plus charge also closed my account saying that they did audit to check on my credit report and I have too many inquires on crediT report so closed. I dId n't not get any notice about closure. when I called and talked to them they were not helpful and cold.
Consumer complaint received 2017-07-29
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. (GA)

On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MA)

American Express charged my account for a company called XXXX {$110.00} on XXXX XXXX, 2017. I had cancelled this account 2 years ago, and not used it since. I had disputed charges previously with Amex 2 years back when XXXX continued to charge my cancelled account, and Amex had credited me. When I saw the charge again, a year later, I disputed again, and was given a credit by Amex on XXXX XXXX, 2017. Then Amex sent me a letter saying XXXX said I was still a member ( clearly untrue as I have not used the service is more than 2 years in any way ), and they offered no proof. They also recharged my card the {$110.00}. I tried to get in touch with XXXX again, but they have no phone # to call or email, and since I have no account with them, I could not sign into their site either. Amex also told me the charge went to a former Amex card #, not even my existing one demonstrating that the charge is fraudulent. I have tried three times to get an AMEX manager on the phone to resolve this, but they have put me on hold for many hours, and never put a manger on. The supervisor, most recently XXXX ID # XXXX, kept reading that they refused to credit me, as XXXX claims I am still using the service. I am not. Both XXXX and Amex have conspired to charge me, and may have done so repeatedly over the past two years. I am still researching my credit cards to see if Amex has improperly charged me before.
Consumer complaint received 2024-08-29
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. (NJ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX Balance : {$7.00} XXXX XXXX Balance : {$0.00}