davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

After reviewing my credit report, I noticed several items and information that I did not authorize or have knowledge of. These fraudulent items must be removed from my credit report immediately, as per FCRA Section 605b. I have filed a CFPB complaint and provided the necessary documentation to support my claim. I need the following items investigated and removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to clarify that I did not open or give authorization for these items to be listed on my credit report. As stated in FCRA Section 605B ( a ), the credit reporting agencies are required to remove any information listed on an ID theft report, and I have filed such a report with the FTC. I expect these fraudulent items to be removed from my credit report within four business days of receipt.
Consumer complaint received 2023-04-21
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. (FL)

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 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 2023-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-21
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. (NJ)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have been multiple over draft fees of {$35.00}. For a day XXXX times. It happened often between XXXX. I should have overdraft protection. The mistake was the bank forget to link saving to checking. Besides that my credit score ruined by putting me to debt collection. For years and years now when they should be solving a problem first.
Consumer complaint received 2023-04-21
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'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 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 2023-11-28
Product: Credit reporting 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. (PA)

I am following the rules that your company states I must follow however, I am a victim of either identity theft or an accuracy on these credit reports and although I monitor my credit often I have been reaching out to TransUnion now for the past 6 to 9 months to please get these off of my credit report I am finally doing a consumer financial protection bureau report, because Trans Union is XXXX of the only credit bureaus that will not help you remove inquiries in a proper and professional manner, even if they know that the inquiries are not yours, even if they know that the inquiries were illegally unprofessionally and improperly placed on your consumer report and even if they know, did you did not apply for this product TransUnion still gives no leeway and getting these inquiries taken off of the report like the other credit bureaus do. 
Right now I am battling TransUnion and I have disputed these inquiries starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number four is questionable because I dont know if I actually have a card that is attached to this account or not and I have tried to reach out to the company and to my cards but of course nobody wants to help so I have not been able to verify this court or if it is attached to any account that I have, but I almost positive that it is not, and it is the last inquiry on TransUnion that I need immediately removed XXXX XXXX ALL OF THE OTHER INQUIRIES, I BELIEVE OUR MIND, AND OR ATTACHED TO CREDIT ACCOUNTS THAT I HAVE OR HAVE APPLIED, FOR I HAVE NEVER REPLIED TO ANY OF THESE COMPANIES LISTED ABOVE, AND I DO NOT WANT THEM FRAUDULENTLY OR IMPROPERLY ON MY CREDIT REPORT. 
WE ARE IN VIOLATION OF CODE 1681B2 AND CODE 1681 C2 ALSO 15 US CODE 1681 EB AND ALSO US 15 CODE 1681 a2 Why any of these credit reporting agencies or any of your companies think it is OK to be in violation of these codes knowing that some of us as consumers know our rights and no our laws and I am telling you that Im going to keep writing and keep bothering and keep putting forth these professional rules, and guidelines we were supposed to adhere to until something is not about this. I should not be battling one reporting agency for for inquiries that were taken off in a matter of 15 minutes by the other two credit bureaus because they knew they were fraudulent in notof mind doing. 

So once again, without giving out any personal information, I want these inquiries immediately removed from my personal consumer report with TransUnion. They are violating me and keeping me from maintaining proper and ethical credit decisions and monitoring, and I continue to monitor my credit and I will and this is the second attempt to reach out to TransUnion, where they have failed to get back to me in a timely manner I will not let there be a third
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against American Express and XXXX XXXX for Annual Choice Award Issue Dear Sir/Madam, I am writing to file a complaint against American Express and XXXX XXXX for XXXX issue related to the Annual Choice Award associated with my XXXX  XXXX account. I have attempted to resolve this issue with XXXX XXXX customer service, but their response has not been satisfactory. 

As a XXXX XXXX XXXX  XXXX XXXX and a longtime customer of American Express, I recently reached 50 nights and became eligible for an Annual Choice Award. I chose the XXXX  Elite Night credits option ; however, due to a technical issue with the XXXX XXXX website, my choice was incorrectly recorded as XXXX XXXX XXXX Upgrades. I immediately noticed the error and contacted XXXX XXXX customer service within 5 minutes of receiving the confirmation. 

The customer service representative informed me that the issue would be escalated, and I hoped for a timely resolution. Unfortunately, I received an email from XXXX XXXX XXXX XXXX, which stated that they could not exchange the Benefit selection as all Annual Choice Benefit selections are final and can not be changed after the selection is made. This response is unacceptable, as the error was due to a technical issue on their website, and I contacted them immediately after the confirmation to rectify the mistake. 

As a loyal customer of both American Express and XXXX XXXX, I believe that it is reasonable for them to simply switch my Annual Choice Award to the 5 Elite Night credits that I initially chose, instead of the 5 Suite Night Upgrades. 

I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this issue. I believe that a fair resolution would be for American Express and XXXX XXXX to honor my original selection of the 5 Elite Night credits and update my account accordingly. 

I have attached a copy of the email I received from XXXX XXXX XXXX XXXX for your reference. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-04-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I initiated a dispute on shipping charges on my XXXX XXXX  store card for a refrigerator I ordered and then cancelled, I received a credit for the price of the refrigerator but not for the shipping charges. The store representative I spoke with was not willing to remove the charges ; therefore a resorted to the card issuer institution, this being Comenity Capital Bank. 

I initiated a dispute for the amount of {$340.00} ( the shipping charges ) on XXXX of XXXX, in XXXX I received a letter advising that the dispute had been closed, I called the bank to get the reason why it had been closed. They were not able to give me a clear reasoning so I re-opened the dispute. I would call from time to time to find out the status of the dispute and they continue to tell me that it was in process, during this time they had been charging me late fees and interest fees, I brought it to their attention in XXXX of XXXX and they credited me for XXXX late fees. The process continued and I continued to call them to follow up, in XX/XX/XXXX, they finally told me that they could not do anything about it and that it would be best if I called XXXX XXXX directly ; so I did, I called them on the first days of XX/XX/XXXX and finally a floor manager by the name of XXXX was able to credit the store card with the {$340.00} for the shipping, she told me she would not be able to credit me for the late fees or interest charges. 

I called Comenity again to request credit for the charges on the shipping charges that were being disputed. I asked why the account or the charges had not been suspended to avoid late fees or other charges, they told me something to the effect that my card did not have that service, which I found arbitrary as the account continue to be charged on charges that were being disputed and the possibility existed of them being eventually removed, furthermore, my account was reported to the credit reporting agencies for late payments. 

Today I spent most of my day appealing to Comenity for a credit on charges that I feel where not justified as the charge that originated them was not right. I called seven times today because a got hang up on when I asked to be transferred to a supervisor or a manager, the last person I spoke with suggested I called XXXX XXXX for the credit since they were the ones that charge the shipping charges. 

In my opinion, the account should have been put on hold until a resolution was achieved, instead they continue to charge me until the account accumulated {$130.00} in interest and late fees. I will make a payment to the account to avoid the damaging reports to the credit reporting agencies but this bank should be monitored for this kind of unfair business practices.
Consumer complaint received 2023-04-19
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Academy Mortgage Corporation (LA)

I was working with XXXX XXXX to get pre-approval for a loan which we received. I asked for two good faith estimates to be generated so we have an idea of closing costs and payments before we made the final decision to accept a counteroffer from the Seller. I received these Good Faith Estimates on Wednesday XX/XX/2023. After I reviewed these, I called XXXX we went line by line to understand all the costs. I asked at the end of the call to confirm what my closing costs were going to be, and he verbal agreed that number was as I stated. I then immediately followed up at XXXX with an email confirming what we discussed. I received a text message at XXXX stating that their own broker fee was placed in the wrong spot on the form and my costs would increase by {$12000.00}. We had already based out decision to accept the counteroffer after the phone conversation we had earlier and the email confirmation of what was told to me on the phone. Per the texts from XXXX, I was told that the system messed up where the fee was applied. My question is how many other people have gone to closing because of this issue and paid more than they expected but had no recourse shop around because it was too late. I received a call from XXXX, the area manager, who informed me per the small print on the good faith estimate they are free of any errors and miscalculations. I could understand a thousand here or there but ~ $ XXXX and your own fee is what was wrong seems a lot bigger deal. She refused to cover that mistake and since we were not contracted to work together has no reason to really help. She did offer to cover half the amount, but I am sorry this was a huge mistake on their part and again this is their own fee and how they make money how do you mess something like that up. I also, like others I am sure, make decisions based on closing cost as to how much out of pocket do I want to be at closing. I was using these numbers to decide if I want to put more down or buy more points to get a better note which I used to determine if this investment property would be worth getting. Having to spend nearly $ XXXX more then what was on the Good Faith Estimate sheets and my total which was verbally agreed to was correct, puts a huge impact on my investment decision. This additional money because their standard system generated form that they always use placed their own fee into a wrong category almost cost me my deal since I had to now go shop for a different loan provider and in the end cost me more money. This is better than being surprised at closing with $ XXXX and being told oh well our estimate says we are not responsible for bad calculations even. I entered into a purchase agreement because of the numbers they represented to me and from that point my clock starts ticking before closing on everything I must get done. I did not have time to waste shopping around for another lender nor was not looking to take more hits from credit inquires since I had to shop around.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (CT)

I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. XXXX, XXXX, and Experian refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.
Consumer complaint received 2023-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

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. Thank you.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (GA)

I received notice from XXXX of a collection from this collection agency of a debt from XXXX who was bought in XX/XX/XXXX by another debt collector and was included in the bankruptcy I filed on XX/XX/XXXX because I dont owe or never owed XXXX anything beyond my contract with them.They have opened an illegal account and placed this collection once again on my credit report and it needs to stop. I filed bankruptcy for relief from debt I dont owe, not to be recharged by other debt collection agencies and placed on my report to hurt my credibility. Vivint cant be reached by the CFPB as was stated in the case from XX/XX/XXXX which lead to being reported to FTC in the final resolution. I have provided proof of the original debt and the dates which were years ago not XX/XX/XXXX as shown on this bogus debt. I had no service with XXXX at that time, the contract had expired because it was completed. To this date this agency and other collections agencies continue to buy this debt and come after me. This needs to stop. It is not a valid debt.