davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (GA)

I submitted a dispute to Experian to fix issues with items on my credit report not reporting 100 % accurately and not having permissible purpose for reporting to my file. The FCRA requires all information be reporting with 100 % maximum possible accuracy and with permissible purpose. Their so called " investigation '' hasn't fix a single issue on my credit report. It's been well over 30 calendar days since my last attempt ( s ) to fix this issue. It has been very detrimental to my health, because I am an elderly women, and lately the accounts have been taken a heavy toll on me mentally, because the accounts are inaccurately reporting, and adversely affecting my financial well being in a major way. Please remove or correct these negative accounts at once.
Consumer complaint received 2020-03-11
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)

I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

I checked my credit report and saw more wrong items that I did not authorize or approve. Here are the following inquries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Here are the following accounts that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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. (TX)

Good afternoon, This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the Credit Bureaus is deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

The following accounts remain inaccurately reported : XXXX. **Account with XXXX XXXX XXXX XXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX XXXX XXXX XXXXXXXX : Recently I checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

XXXX. **Account with XXXX  XXXX XXXX XXXX checked my credit report and noticed late payments from your company. This account is inaccurately reporting payment history. Please update to paid as agreed/ never late. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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. 


EXPERIAN 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/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.

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!
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Dear Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo for their failure to comply with federal regulations concerning the extended hold placed on my account funds. Despite multiple attempts to resolve the issue with the bank, they have failed to provide a reasonable timeframe for resolution, and they continue to ask for more time to complete their investigation, which has already exceeded **six months**. This is well beyond what is considered reasonable under applicable federal regulations, specifically the **Expedited Funds Availability Act ( EFAA ) ** and **Regulation CC**.

# # # Details of the Issue : Wells Fargo has been investigating an issue with my account for over **six months**, far exceeding the allowable timeframe for holding my funds while conducting an investigation. Despite repeated requests, the bank has not provided a clear or reasonable explanation for the prolonged hold and has refused to commit to a specific timeframe for resolving the issue. I have been informed that the investigation will only be closed " when the bank feels comfortable, '' which is vague and non-compliant with regulatory standards. 

This conduct violates the following regulations : 1. **Fraud Investigations** : Under **Regulation CC**, fraud investigations should be resolved within **45-90 days**. If additional time is needed, the bank is required to provide provisional credit to the account holder. Wells Fargo has exceeded this 90-day period and continues to request more time without offering provisional credit or providing adequate updates, which is unreasonable according to EFAA guidelines . 

2. **General Holds ( for Compliance or Legal Issues ) ** : Wells Fargo has not properly notified me of the specific reason for the hold or the legal basis for continuing to withhold my funds. They have now held my funds for over six months, causing significant financial hardship, and their ongoing requests for more time without resolution are unjustified.

# # # Regulatory Violations : - Wells Fargo has failed to resolve the investigation within the 90-day maximum limit outlined by **Regulation CC** for fraud-related matters.

- They have not provided provisional credit to my account as required when investigations extend beyond the regulatory timeframe. - The bank has failed to communica
te clearly about the reasons for the extended hold or provide a legally compliant resolution timeline.

# # # Impact : This indefinite hold on my funds has resulted in serious financial hardship, as I have been unable to access my own money for over six months. Wells Fargo 's continued delays and refusal to comply with federal guidelines have left me with no choice but to escalate the matter.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX card, {$21000.00} credit limit, past due XXXX days+ XXXX {$14000.00}, I am the victim of identity theft with XXXX XXXX XXXX. XXXX opened a credit card under my name and SS number without my approval. The fraud was committed by a person with a California address and I have never lived in California. I have provided identity information to confirm who I am and filed a police report. XXXX has not communicated with me and has taken NO ACTION. This was first reported to XXXX in XXXX and they refuse to remove the information. I have tried to communicate with XXXX and have left email address and phone numbers but they never respond.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent
Consumer complaint received 2024-11-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

I have been locked out of my account for over a week. Ive tried resetting the password multiple times and it redirects me to call the Citibank. Ive spoken to 4 different representatives and each time Ive been redirected to go into a branch since I could not remember my safe word which was created over 7 years ago. I am in a state that does not have a branch so I have been not able to access my funds.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

Dear CFPB, I am submitting a formal complaint regarding a potential violation of the Fair Debt Collection Practices Act ( FDCPA ). I am currently being pursued by two separate debt collection agencies regarding the same debt allegedly owed to XXXX. 

The first agency, XXXX XXXX XXXX, is attempting to collect the debt under account number XXXX XXXX The second agency, Transworld Systems Inc., is also attempting to collect the same debt under account number XXXX. Both agencies claim to represent the same creditor, XXXX, but the amounts they are seeking differ. 

Specific Issues : Multiple Collection Agencies : Both XXXX XXXX XXXX and Transworld Systems Inc. are attempting to collect the same debt owed to XXXX. 
Discrepancies in Amounts : The amounts claimed by the two agencies differ, which has caused confusion as to which agency is authorized to collect the debt. 
Insufficient Debt Validation : I have received documentation from Transworld Systems Inc. That includes a summary of move-out charges. However, this does not constitute sufficient validation of the debt under the FDCPA.

Legal Justification : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), debt collectors are required to provide validation of the debt upon request. This includes : Proof of the debts amount and nature. 
Proof that the debt collector is legally authorized to collect the debt. 
A simple summary of charges, such as a move-out charge list, does not meet the standard for debt validation under federal law. According to 15 U.S.C. 1692g, validation of the debt must include the original agreement or contract that established my obligation to pay, along with evidence of any assignments or transfers of the debt between agencies.

Further, the Consumer Financial Protection Bureau 's regulations under Regulation F, which became effective in XXXX, clarify that debt collectors must provide clear and accurate information, including itemized details of the debt and evidence that the debt collector is entitled to collect. 

Request for CFPB Action : I kindly request that the CFPB investigate the following : Determine the legitimacy of both agencies ' claims and ensure that only one agency is entitled to collect this debt. 
Enforce compliance with the FDCPA and Regulation F, ensuring that proper debt validation is provided, including itemized statements, original contracts, and proof of transfer, rather than a mere summary of charges. 
Provide guidance on how to resolve the discrepancies and conflicting claims by both XXXX XXXX XXXX and Transworld Systems Inc. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring that my rights as a consumer are protected.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing and sending this complaint with absolute certainty and extreme frustration, It has been so long that I have been trying to communicate these errors to no avail. 
There are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security NumberXXXXXXXX XXXX XXXX XXXX XXXXXXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Good Afternoon, I had an American Express XXXX, XXXX XXXX XXXX XXXX  card and have been a loyal member since XXXX  XXXX only contacting you today because I do not agree with your decision to bundle my american express XXXX XXXX XXXX into the other XXXX cards and closing all three. I dont think its right and quite frankly I call XXXX on your decision. The XXXX XXXX had maybe XXXX to XXXX transactions a month and NONE were disputed. You claim the reason you closed my accounts were because of that, why would I dispute the XXXX transaction I was making a month on that card when I received a credit for it? On top of that my amex business platinum is completely fine, I wonder why that is.. I was even able to open up a brand new platinum card. Youd think if I was abusing any system I would not be able to do that. Now XXXX at risk for losing my XXXX membership welcome bonus offer from my business gold all because you cancelled my card for an illegitimate reason before the XXXX  months were up. I worked every hard to achieve that bonus and prided myself on being a loyal American Express member for over XXXX  years now. I am not looking to reopen the personal cards, but at the very least have the business gold investigated and potentially reopened so I may AT LEAST keep my welcome bonus points. Again I do not agree with the reason it was closed I believe its illegitimate, reckless, and flat out distasteful to close a members account on baseless merit. There is no disputes on that card that abused the system and like I said if there was I did XXXX transaction a MONTH on that card. There was ZERO reason for it to be bundled up with my personal cards. My business platinum remains fine and I was able to apply for another platinum. PLEASE RECONSIDER THIS DECISION. SUPPORT WILL NOT ALLOW ME TO SPEAK TO INTERNAL TEAM. FIX THIS!