davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
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. (OH)

XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX
Consumer complaint received 2020-03-16
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. (MA)

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX  immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with XXXX, XXXX  and Trans Union collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.
Consumer complaint received 2020-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

Wells fargo unlawfully withdrew {$13000.00} plus a {$120.00} processing fee from my savings account on XX/XX/XXXX for an alleged debt that I had no knowledge of without giving me any type of notice until after the funds had been unlawfully withdrawn. The bank acted on hearsay. I wrote to them and got a response in XX/XX/XXXX they sent me A fake order to withhold that was not signed from a judge XXXX XXXX deputy. Wells Fargo and the company that the alleged debt came from are in violation of the consumer fraud act. I am not their consumer/customer nor do I ever wish to be provided with their services. This is fraud in the highest form!
Consumer complaint received 2024-10-20
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. (FL)

I am submitting a formal complaint against the credit reporting agency Experian, which has failed to correct inaccurate information on my credit report following XXXX formal dispute attempts. On both occasions, I provided the necessary documentation to demonstrate that the reported late payments on the account in question were inaccurate. However, the information continues to appear on my credit report without the requested corrections, negatively impacting my credit profile and my ability to access credit on fair terms. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dates of Reported Late Payments : XXXX XXXX, XX/XX/year> It is important to note that this account is only being reported by Experian and does not appear on the reports of other credit bureaus, suggesting a lack of consistency in the reported information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 5 ), it is mandated that if the reinvestigation of a dispute does not resolve the consumers complaint, the credit reporting agency must delete the disputed information within five business days following the conclusion of the reinvestigation. Experian has failed to comply with this regulation by retaining the inaccurate information, constituting a direct violation of the FCRA. 
This negligence not only disregards Experians legal obligations but has also caused significant financial harm and emotional distress by impairing my ability to access credit under reasonable conditions. 
I request that the CFPB investigate this matter and intervene to ensure that Experian fulfills its responsibilities under the FCRA. I am requesting the immediate removal of the disputed account from my credit report and the implementation of necessary measures to prevent this situation from recurring. Additionally, I expect to receive confirmation of the actions taken by the CFPB in response to this complaint. 
Enclosed are supporting documents, including copies of the dispute letters sent to Experian, my credit report, and evidence of the inaccuracies in the reported information. 
Thank you for your attention to this matter, and I trust that a prompt resolution will ensure the accuracy and fairness in the handling of my credit report.
Consumer complaint received 2024-10-20
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. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. XXXX, XXXX, Experian has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

I applied and was approved online for the American Express Everyday card on XX/XX/2019. During the application process, I was presented with a welcome offer of XXXX points after {$1000.00} in spending within the first 90 days, which was what prompted me to apply. After receiving the credit card in the mail, I confirmed on XXXX XXXX via live chat to verify that the offer was attached my account. I subsequently spent over {$1000.00} but did not receive the points promised in the welcome offer. Upon chatting with American Express again, I was told that there was no offer attached to my account. When directing the chat agent to the previous live chat I had, I was told that I was declined for the offer stated by the previous chat agent despite this being my first American Express credit card.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent it a dispute letter on XX/XX/2020 filing a complaint on inaccurate information reporting on my credit report to all three bureaus. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract. Under federal law, they have thirty days to complete the investigation and I received no reply. 

On XX/XX/2020, I sent a letter as a formal notice of my intent to file a complaint with the FTC reminding them that Under federal law, they have 30 days to complete the investigation, yet they have failed to respond. 

This is a violation of my rights and I am not able to move forward with my life with these inaccuracies on my report
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

I received a settle in full offer by email from american express, regarding account ending in XXXX, on XX/XX/20. The settlement offer had indicated : if I pay {$180.00} by XX/XX/20. the account would be adjusted to settled in full. On XX/XX/20 I called XXXX, Which is an XXXX XXXX  office, and discussed settling the account. The Representative had indicated an immediate payment of {$160.00} wound be sufficient to settle the account in full. I made the payment on the phone with my checking account. On XX/XX/20 American express updated my credit report to reflect the {$160.00} payment, however they marked it as charge off, therefore my credit score tanked 14 points. I was in the process of refinancing and this cost me substantially. 
I called the previous phone number, the Representative confirmed the account was settled in full, and connected me to the credit reporting department. Here 's where it get interesting. 
American Express credit reporting department confirmed they knowingly, inaccurately updated my credit report and explained this is American Expresses policy. I asked in detail, why would my report show the payment, as charge off? the answer : after we receive the payment american express waits 20-30 days before updating the status of the account. I said, but American Express went in, and updated the payment amount on XX/XX/20 and inaccurately changed the status as charge off, instead of settled in full. I indicated to the Representative : you have a responsibility to accurately report the status to the credit bureau. I then opened a dispute through the credit reporting agencies. American express again, refused to accuracy update the account status. Please direct this illegal policy to end
Consumer complaint received 2020-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Recovery Systems, Ltd (DE)

I recently joined XXXX XXXX to check my credit, which then brought me to collections with XXXX  and XXXX. I then went to XXXX  to dispute three collections, all three of which are over a year old. I was never informed in writing previously that I owed any amount to Nationwide Inc for XXXX collections, so I was confused to see {$130.00}, {$100.00}, and {$80.00} collections I'd never seen. The disputes through XXXX  were filed XX/XX/20.
Consumer complaint received 2024-10-20
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: Experian Information Solutions Inc. (CA)

Accounts investigated and closed as requested by me. A fraud alert was placed on my report. And the accounts were closed. The hard inquiries also have to be removed on both Experian and XXXX credit reports. 

Please remove inquires XXXX  XXXX NA Inquiry date XXXX XXXX, XXXX and XXXX XXXX NA Inquiry date XX/XX/XXXX.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX STATEMENT. Ms XXXX of executive resolution dept confirms ALL HIDDEN INTERNAL CALCULATIONS ARE CORRECT BUT STATEMENT READS DIFFERENTLY. 
My calculations BASED ON STATEMENT XX/XX/XXXX.OF THE {$2.00}, XXXX OTHER CREDITS {$1.00}, XXXX WERE REVERSED CREDITS ** THAT RESULTED IN NEW PURCHASES UNAUTHORIZED {$340.00} XX/XX/XXXX {$470.00} ADJUSTMENT TEMPORARY CREDITS OF XX/XX/XXXX ARE NEW PURCHASES BACK ON CARD XXXX DISPUTES NOT IN MY FAVOR ARE NOT NEW PURCHASES see attatched statement XX/XX/XXXX.total $ XXXX.and then {$12.00} {$110.00} {$170.00} XXXX NOT NEW PURCHASE {$75.00} REVERSALS TOO {$200.00} XX/XX/XXXX {$280.00} XX/XX/XXXX ARE ** NOT NEW PURCHASES AUTHORIZED BY ME. EITHER. THEY TOTAL {$1.00}, XXXX ARE NOT NEW PURCHASES. see attatched OTHER CREDITS {$2.00}, XXXX MY CALCULATIONS BASED ON THIS STATEMENT ARE : BAL {$1.00}, XXXX - MINUS {$2.00}, XXXX OTHER CREDITS = -MINUS - {$1.00}, XXXX + REAL NEW PURCHASES I AUTHORIZED {$910.00} = BALANCE OF MINUS - {$600.00}. USAA CALCULATIONS BALANCE IS + {$960.00}??? BIG DIFFERENCE.??? WHY???
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated (IN)

I received documentation that I have been sued in a court of law for a debt I didn't incur and have no knowledge of whatsoever. It is my name, my address however I don't have credit cards nor have I had credit cards. 
I was out of state for the winter and came back to this. I want to know where were the statements mailed for this because this is the first time I ever heard about this debt.
Consumer complaint received 2020-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My mortgage was recently sold to Carrington Bank. I created an account on their website so that I could make a payment. Company charges a fee to pay either online or via telephone. Is there some sort of rule against this? In this day in age everything is paid online.
Consumer complaint received 2020-03-16
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. (CA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX
Consumer complaint received 2020-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (GA)

Complaint XXXX ; Chrysler Capital responded to my complaint however the problem still remains they attached a copy of the contract however which did not state that the loan would not be re-amortized after GAP by not doing so they changed the date of payoff as set forth in the original contract.