davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my credit report and I noticed my accounts that was not reporting accurately. I had some late payments on my accounts that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy.. These accounts has not been late on the payments I've attached a copy of my reports to these complaints on the following dates shown on my credit reports that I attached. I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX  as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (VI)

I advised Discover card that I was in a XXXX  XXXX and couldn't make payments. I provided the rep my forwarding address. There was some fraud charges on the card and the fraud department refused to take my report. After they charged off the card I asked for a settlement. I wasn't working then and my only income is social security XXXX. At the time they want me to pay XXXX. I can only pay XXXX in total with payment arrangements. 


Also, I want to know the status of the account, when it was charged off and if it's time barred?
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VI)

I am a combat XXXXXXXX ( XXXX XXXX ) veteran who is trying to fix my credit report so I can get a loan. Equifax continues to report erroneous and incorrect information. I called them several times after trying to file a dispute online. The online site is not uploading supporting documents, I am getting an error every time. Also, I asked them to fix my name with the correct information, my name is XXXX XXXX . I have been married for 15 years and they had just my maiden name listed. The correction is also incorrect, my name is now XXXX XXXX. My name is hyphenated, not slashed, how can you all allow these people to treat our nation 's veterans in such a manner? today is XXXX XXXX and I am very much stressed trying to fix these issues. For months I am trying to get my credit straight to no avail. I am going to write a letter to congress, something drastic has to be done to protect our rights as veterans and citizens. 
Everyone is using Covid as the trump card, we have to remain focused and do our jobs. Thank you.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Capital One Bank N.A. are violating a standing cease and desist order. All three companies continue to contact me and communicate with me via phone and email.
Consumer complaint received 2019-11-19
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 — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (LA)

XXXX is reporting a 60 day late payment on my mortgage account. I filed a dispute in XX/XX/2019. The result received indicated the information had been confirmed with Freedom Mortgage and will remain on my credit report as a 60 day late payment. I contacted Freedom Mortgage and was assured that my mortgage was never reported 60 days late. The creditor insist there is nothing they can do because they never reported the information. XXXX  insist there is nothing they can do because it is information received from Freedom Mortgage. I've filed a second dispute with XXXX and received notification that I could not file a second dispute on the same issue. The inaccurate information remains on my credit report.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (GA)

Previous complaint filed XXXX and was resolved but they charged back the interest again. I have been paying all the purchases balances in full from XXXX, this is when they had a problem with their payments processing, the XXXX payment made was adjusted in XXXX but Interest charges were adjusted last month due to complaint filed. But they charged the interest again, calling them did not help and they want me to file written complaint again. 

Please help.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statement and payment confirmation. 
I have confirmed with my creditor that the payment was processed on time, and there was no delinquency on the account. 
There may have been a clerical error in reporting the payment, leading to the incorrect late payment entry.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (FL)

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT | INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either witten or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others.

( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 5 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity ( by physically veritying the orginal signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on tile for the accounts usted below. Your failure to positively venty these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 

The following inquiries are not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received an email re ; a charge for an XXXX I did not order nor approve a payment of {$1000.00}. They sent a receipt containing none of my personal information except my email which was used to send the receipt. I called their number and talked to someone who I became suspicious of they connected me with the ATF representative. He began asking me questions about my personal information which I refused and he quickly hung up.
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

Complaint Regarding Lack of Clarity and Unfair Charges on Best Buy Credit Card Dear CFPB, I am writing to file a formal complaint regarding a lack of transparency and unfair practices related to my Best Buy Visa credit card. 

When I applied for the card, I was only presented with two options : the My Best Buy Credit Card ( no annual fee ) and the My Best Buy Visa Credit Card ( also advertised as no annual fee ). Based on this, I believed I was applying for a no-annual-fee card. However, I was later informed that I have a Best Buy Visa Gold Card with an annual fee, which I was not aware of during the application process. 

I have reviewed both my physical card and my statements, and nowhere is it indicated that this is a Gold card with an annual fee. Despite this, I was charged an annual fee, followed by a late fee for not paying that annual fee, which I had not expected or been clearly informed about.

I believe Best Buy and Citi should be more transparent about the card options they offer, as this lack of clarity is both deceptive and unfair to consumers. I am requesting the following : 1. A return of the annual fee and late fee, as I was not properly informed about them. 
2. A downgrade of my card to the My Best Buy Visa Credit Card with no annual fee, as initially expected.

I would appreciate your assistance in resolving this matter, as I believe Best Buys credit card application process needs to be clearer to prevent further confusion and financial penalties for consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (FL)

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT | INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either witten or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others.

( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 5 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity ( by physically veritying the orginal signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on tile for the accounts usted below. Your failure to positively venty these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately.

The following inquiries are not authorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On my XXXX Credit Report there is a Capital One ( account # XXXX ) showing as Open Account with a Balance {$0.00} dollars with a credit limit of {$1000.00}. 
This account was sold to XXXX XXXX XXXX ( account # XXXX ). 
This account is being reported twice on my XXXX Credit Report. 
Please remove this erroneous information from my XXXX Credit Report. 
Thanks
Consumer complaint received 2024-09-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX has been Resurrecting a FALSE DEBT by using Identity Theft of a FORGED XXXX XXXX XXXX that was never agreed to and never known to exist ; In XX/XX/XXXX - Presented a FORGED Signature lifted off a SHORT TERM AGREEMENT that was PAID. The NOTE was ACCELERATED by LENDER Countrywide XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX ADMITS in XXXX to having known of the Accelerated NOTE from OVER XXXX years ago. XXXX XXXX was named on MATRIX Creditors Matrix in a Bankruptcy Filed XXXX resulting in DISCHARGE OF THAT DEBT on XXXX XXXX XXXX brought forth a NEW FORGED NOTE for a different Principal Balance claiming FALSE DEBT IS OWED knowing that no Reaffirmation Agreement and also that the MATURITY DATE is recorded as XXXX last date XX/XX/XXXX and never decelerated. On XX/XX/XXXX Filed a NOD with a false DEBT claimed OWED for either XXXX XXXX OR XXXX XXXX and NEITHER is true. I have no DEBT owed. That I filed an Identity Theft Affidavit Filed XX/XX/XXXX WITH THE XXXX XXXX XXXX as informed by a Letter received in XX/XX/XXXX ; and with the FTC for IDENTITY THEFT XXXX XXXX On XX/XX/XXXX XXXX XXXX responded that " They already determined '' there was NO FRAUD ; Despite that a FORGED disclosure was already Evidenced by A Federal Judge on XXXX ; and ADMITTED as FORGERY OF MY SIGNATURE and a Forged Note Affidavit once a new internal Loan was claimed to exist and falsely claimed to be recorded in XXXX XXXX RECORDS -- NO DEBT/LOAN is recorded and this is IDENTITY THEFT. 

XXXX XXXX has not responded to the issue of FORGERY but for claiming they " At some earlier '' point before having received the AFFIDAVIT OF FORGERY to state that they decided it was already decided where never has this been brought forth until XX/XX/XXXX AS IT DID NOT EXIST. I in XXXX, having received THAT odd response where the FORGERY WAS PROVIDED, and called XXXX and informed that I needed to FILE A POLICE REPORT with AFFIDAVIT. I am Attaching that IDENTITY THEFT AFFIDAVIT provided here. The Identity theft Affidavit.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called Capital One back in aproxmitaley XX/XX/year> trying to set up payment plan on my credit cards on what I owe because I had a hardship last year in moving abruptly and choosing between eating or paying my rent. They stated I couldn't do a payment plan so I just made little payments when I could. Why couldn't they do a payment plan with me if I was ; trying pay them back I had a change in jobs and hardship like XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This morning, I was stunned to see incorrect accounts listed on my credit report and I can't understand how they appeared. I check my report regularly, but today there were errors that I didnt expect. I thought refreshing the page might help, but it didnt ; the inaccuracies remained. Because of this, Im asking for a careful review of the documents I provided so I wont have to worry about this ever happening again.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-23
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. (IA)

I have sent a dispute to TXXXX XXXX regarding the charge off being reported on my account and sold to XXXX XXXX XXXX which was not licensed to collect a debt in my state Iowa where I live. I received a letter from DNF stating that they have placed the account with XXXX XXXX XXXX attorney for review. 

No, under the Fair Credit Reporting Act ( FCRA ), a bill or invoice alone is not sufficient proof that a debt or account belongs to you. The FCRA requires that information reported on your credit report be accurate and verifiable, but the burden of proof for a debt belonging to an individual lies with the creditor or debt collector. They must provide more substantial evidence, such as : Signed Contracts or Agreements Proof that you entered into the agreement for the credit or service in question. 

Account Statements or Transaction Records Documentation showing your use or acknowledgment of the account. 

Verification of the Debt If you dispute a debt, the creditor must verify the debt by providing detailed information showing the original amount, interest, fees, and evidence of your responsibility for it.