davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( lnquiries ) : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX. XXXX.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wellsfargo Bank Consumer Bankrupcy Team is failing to report to all 3 credit bureau XXXX XXXX XXXX XXXX when my credit card account number XXXX endinging in XXXX for the credit card amount XXXX was discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts on XX/XX/2019 when they received the notice of the order of the Discharge notice showing that the credit card account number XXXX was paid off in Chapter XXXX Bankrupcy and Discharge by the Bankrupcy Courts. 
And reporting it as late payment and close account when is suppose to be noted as Paid and Discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts when they sent them the order of the Chapter XXXX Discharge notice showing that this credit card account was discharge in Chapter XXXX Bankrupcy and was Discharge on XX/XX/2019
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (IL)

I have 2 accounts with comenity bank. XXXX XXXX XXXX and XXXX XXXX XXXX card. My credit limit was decreased on both cards causing me to be just a few dollars away from the new credit limit. Also in result of this my credit score was affected tremendously. I have made all my payments on time with this company and they had no valid reason to decrease my credit limit without proper notice. I also sent them a certified letter asking them to give me more details and I have not heard back from them at all. I called the customer service and the representative stated that I had a drop in my credit report. I told her that my credit score has increase over XXXX points in the last 6 months and her claims were false. I believe this was a malicious attempt to ruin my credit. I want answers and them to be fined for this action.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ EQUIFAX ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA.

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of James R. Vaughan, P.C. (AZ)

This company XXXX XXXX, XXXX which I have No Contract is a third party agency that has sent fictitious documents stating that I owe them an amount to my place of employment and originally an old address which I never received. Nothing was ever sent to me certified mail nor registered mail to my correct address. Furthermore, this company is actually an attorney posing as a third party collection company. Which is in violation of 15 U.S. Code 1692e. False or misleading representations. Ive sent them a validation of debt by registered mail which I havent gotten a response back yet.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

hello and good ay the credit bureaus and XXXX XXXX put a negative remark on my credit for XXXX I never went to college. Im in America trying to make it. Please help me. The company refuses to hear me and its not mines. They are designed to make this happen. They said my credit would get ruined if its not paid.
Consumer complaint received 2024-10-21
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. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XXXX - {$730.00} INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank ( Citizens Bank is a brand name of Citizens Bank, N.A. ( NMLS ID # XXXX ) decided to reissue my debit card because they were informed that a merchant I used in the past may have been prone to a data compromise. I received this information in a letter date XX/XX/XXXX, so I called on XX/XX/XXXX to learn more. 
Citizens refused to provide me with information as to who the merchant was and whether or whether not my account was compromised. They told me that information was confidential, and they are not obligated to share that information with me, their customer. 
As they acted on information related to my account, I dont see how this information could be considered confidential and not shared with me, the customer. The Citizens representative said that they were trying to protect me by being proactive, which I appreciate, however I again wasnt given any information as to where this potential data breach happened. 
I was then told that Citizens doesnt want customers calling merchants and accusing them of not adequately securing their transaction data. I noted that seems like Citizens is trying to protect itself, not the customer. 
If a merchant that I used was compromised and shared that information with Citizens, I should be able to also receive that information, so I can choose not to use that merchant going forward. Withholding information from its customers is a serious issue for Citizens and my hope is that you can help address this action.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

Our home was flooded during Harvey and was a total loss. Finally the County has bought us out ; however, this home is still showing up on credit report. This has messed up our credit and need this fixed before we can get a new home. This has been the longest two years of our life and are just trying to get this to move along so my kids can get in a home before another school year starts.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I went to apply for an apartment, and was denied because of a RNT Debt of {$6600.00}. The amount is incorrect, since the property took me to court and was awarded a lower amount about 1/3 of this amount by a court judgement. They have this on all three credit reports and with such an excessive high balance it is impossible for me to rent any apartment at all. The apartment community although practicing fair housing, since they got a rehab loan from the government, intended to defraud me and a social service agency willing to help me catch up on the rent. They were going to take the money and still evict me. One of the leasing agents told me about their nefarious plans. I went to court on them, they also refused to repair anything in the apartment, we had a swarm of sewer gnats coming out of the drains, and they even called my utility company and lied that I had moved and had my lights turned off, because I fought them in court. They filed the wrong paper work, and could not evict me, and had to start the process over again, but the judge gave them the extra month in the judgement it took to finish the paperwork. This is a foul, dirty apartment company, and they are still upset that I fought against them when they lied and were going to use me and the social service agency.
Consumer complaint received 2019-04-18
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On XX/XX/XXXX I received monitor alert for things that I have no knowledge for or have applied for. All three credit reports reflected XXXX XXXX XXXX with a date of fraud starting XX/XX/XXXX with a total fraudulent amount of {$5200.00} which is now being collected by a company called Fair Collections and Outsourcing. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX, XXXX, and XXXX   with dispute letters stating I reside in the state of Texas at my current address since XX/XX/XXXX. I do not live in Illinois. I sent my identification with my signature and my proof of address. I contacted them about fraudulent accounts being on my credit report as well as XXXX XXXX XXXX and Fair Collections and Outsourcing that someone obtained an apartment in my name and I wanted this unauthorized account to be deleted. As of XX/XX/XXXX the {$5200.00} is still reporting on my credit report. This has not been removed. I have proven this is not me and I am not getting any assistance to remove these fraudulent items from my credit reports which is hurting my credit.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing with XXXX XXXXXXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only Transunion had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX XXXX and Transunion.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/2019 I learned my credit score had dropped almost 40 points suddenly. With an otherwise 100 % clean financial profile, the sole reason I could think of was XX/XX/2019 I paid off a {$1000.00} dollar credit card at XXXX XXXX XXXX. 

Three Financial experts, two at XXXX XXXX XXXX, one at Equifax told me this should not happen and " something is wrong ''. A woman at XXXX XXXX XXXX told me that when she paid off a credit card her credit score rose, not declined. 

My credit score at Equifax I dropped from XXXX to XXXX in less than one month. My credit score with XXXX XXXX. On a XXXX XXXX XXXX website that uses XXXX which uses XXXX I have a rating of XXXX 's on five of the six categories and a XXXX on the 6th. There have been NO adverse actions on my financial status of any kind in the last two-and-a-half years. Zero. 

I did apply for a small loan to buy a golf cart but I was told my credit score would not drop because it was just one hard inquiry for which I was approved. 

I reviewed my most recent up-to-date credit report. I couldn't find a single adverse action of any kind listed on it. 

Thank you Please note : 3 years ago I applied for a home equity loan at XXXX XXXX XXXX XXXX. Again I had an excellent profile. The only thing they could use to deny me was I had too many credit cards. 

I explained I only had three, one had been canceled and the other two were with XXXX XXXX XXXX XXXX! Now they're saying I don't have enough credit cards or I canceled one! 

When you call the bank for help on matters like this they throw up their hands and refer you to the credit company. 2 years ago I called Equifax on a similar situation as above. 

That time I had five years of payments to the penny and more verification. Equifax would not help. 

After they heard from the Consumer Financial Protection Board they straighten my credit out in less than 24 hours and added 32 points +/- to my credit score which had been unjustly reduced from fraudulent hard inquiries by car dealers. 

This is a racket! The only people who benefit are banks using this unjust process of reducing your score for the most minor infraction then requiring years to read store it. 

With a lower credit score Banks can AND DO then charge you much more interest in selling you their money! I've talked to bankers and they agree that the process is unjust but they don't do anything to change it or to help you. They religiously report every little thing once a month to the credit bureau, insuring if there's a basis to reduce your score they provide it. 

When you call Equifax they make you jump through hoops with years of data most people don't have at their fingertips, then refuse to help you claiming you haven't proven your identity. Far less proof is accepted by every other institution of almost any kind. 

END OF STATEMENT XXXX XXXX, XXXX XXXX CFPD website would not allow the last four digits of my social security number
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

Collections of Athens severely and still calling and reporting on my credit file from when I had old XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX with no account number attached on file nor did they have my ID info for proof when I check with their manger! Yet I have signed up with XXXX XXXX XXXX who have sent coll of Athens countless letters to seize and remove the incorrect information on my credit file with all 3 bureaus and they have ignored it and ignored all my calls and messages thereafter and ignored proof sent to them via email! # XXXX EVEN MY DOC FROM THE XXXX  XXXX ( XXXX ) XXXX here! 

CALLED THEM LEFT A MAG SAYING I OWE NOTHING. <XXXX  and XXXX> ins paid up!! XXXX! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a call from XXXX stating they need to confirm I would be home to serve me papers from another agency. I asked for that agencys information and they gave me a number to call, XXXX. My call was answered by XXXX who had the last four of my social my maiden name only and simply told me they were going to garnish my wages for the amount of XXXX which the original balance was XXXX the remaining is their legal fees. I asked for further information and was given an account number of XXXX which i called Bank of America about, and did the same 4 years ago when a collector tried the same thing, and again they have no records of me having a negative debt with them. I have an account with them currently. I asked her the date on the account and its from XX/XX/2006, that is when it was closed. When I asked for more information she got hostile after I told her that it wasn't a legitimate account, and just said I will be served and have to go to court and hung up on me. I tried to call back and could not get anyone to answer after the phone kept ringing for 10 minutes. I used my XXXX XXXX account to call from a different number and within 30 seconds XXXX answered and I asked the company name which was given to me as XXXX and said it wasn't an Acronym. I asked for an address and they hung up.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

Good Afternoon, We are having a problem with our bank, BMO Harris Bank. On XX/XX/2019 we made a deposit to a personal checking account. the deposit was a check drawn on a foreign bank account. The deposit was acknowledge by the bank teller. We got a copy of the check and a copy of the Domestic & Foreign Items Collection/Cash Letter Form. 

On XX/XX/2019, a letter was issued and mailed. It was a letter acknowledging receipt of the mentioned collection and it being presented for payment. 

On XX/XX/2019, a letter was issued notifying that the collection item was not going to be paid. The reason was THE LEGAL PERIOD FOR PRESENTATION WAS EXPIRED. On the letter is states that the item was enclosed, but it was not. Only a photocopy of the check was attached to the letter. 

Since then, the branch has not been able to obtain the original check back. The bank in XXXX requires the original check to be returned. It has been 5 months now, and the bank has no answers for me. They can not locate the original check. The letter form received when the check was deposited states that the unprocessed item was to be returned via mail. No one is able to help get a phone number for the legal department or a XXXX Rep. Is there something that can be done and can you help me? If so I can email you all the supporting documentation.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Immediate Credit Recovery (AR)

the collector called from a local phone number indicating they were representing another party form the same office regarding student loan debt which is presently being paid. Also the previous party who arranged repayment of student loan debt did not disclose how funds would be distributed, thirdly the collection agency indicated they never received information I faxed and mailed to them on a timely basis, and it is my belief that this was done to run me over the time deadline to qualify for payment arrangements, in addition, the collection agency never offered a plan to have the debt not being reported on my credit as well as my dependent child 's report
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Debt Collection Company is trying to collect a debt that I have never signed a contract with them. They have purchased my debt from a company that sold it to them. They have been harassing and threatening to bring me to court.
Consumer complaint received 2024-08-30
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. (TX)

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.