davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I applied for and was approved for a Ulta Beauty MasterCard with Comenity Capital Bank ) but never received the physical card. I received the first statement for the account showing the purchase and assessed late fees, despite never receiving the card. I promptly called customer service and paid the full amount of the purchase on the day I received the statement. Customer Service did not provide any solutions or support to rectify the problem for the assessed late fees in its entirety. I felt my concerns were not adequately addressed and no concrete steps were taken to resolve the issue.

Name on the Ulta Beauty MasterCard is incorrectly spelled - no resolution.

Physical credit card never received - only last 4 digits of CC is known. 
No instructions or next steps were provided to move forward in rectifying the issue. 

I called customer service multiple times with no resolution. 

I continue to receive statements with late fees and interest charges, despite conversations with their Comenity service department The original balance is paid in full, there should not be any further charges on the account, especially since I requested the account to be closed. 

XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX OH XXXX disputing the late fees and interest charges. 
XX/XX/XXXX received another bill with additional late fees and interests assessed.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

The vehicle in question was involved in an accident that I was found to be not at fault. The car was totaled out and paid by XXXX XXXX. The information reporting to the credit bureaus is incorrect. The account should be showing as closed and the remarks are incorrect as this was not apart of a repossession. I have requested this information to be updated and removed and have had no luck.
Consumer complaint received 2024-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (MN)

NewRez LLC is the servicer of a mortgage for a single family home. The property was sold, with closing on XX/XX/year>. Funds in the amount of the payoff statement were wired by the buyer 's title company ( XXXX ) to NewRez on XX/XX/XXXX. XXXX XXXX identified that the mortgage had not been paid off and closed on XX/XX/year>, when noticing the autopay tied to the mortgage account came out of her bank account. She notified her title company and they notified XXXX. She called NewRez at this time, and was only then informed that the wire transfer was insufficient. NewRez claims to have reversed the wire on XX/XX/XXXX, due to insufficient funds as XXXX XXXX property taxes had been paid and the escrow account was short, leaving closing funds short {$890.00}. NewRez had not notified anyone of the new payoff amount. They also did not notify XXXX XXXX or XXXX that closing funds were short, despite stating they usually hold wire transfers for 5 days and notify relevant parties to resolve final amounts. XXXX can find no record of the reversed wire and has not received the funds back. Both XXXX XXXX and XXXX have been in daily communication with NewRez, with no resolution. Customer service is unable to help, even when escalated to supervisors. The wire department at NewRez has not responded to the multiple investigation communications from within NewRez. At this point, NewRez can not find the {$250000.00} that was wired to them on XX/XX/XXXX. A second investigation has been opened at NewRez and is ongoing, with a due date of XX/XX/XXXX. XXXX can not wire a new payoff until the original funds are returned. There appears to be no urgency to resolve this by NewRez, and they just keep telling us to call back the next day. Meanwhile, the mortgage account remains open and is accruing daily interest, and XXXX XXXX maintains an open mortgage for a property she no longer owns. 

Please note that complaints are also being filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Attorney General.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please see the attached documents to understand what had happened. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 statements and payment confirmation receipts. 
There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information. 
I have confirmed with my creditor that the payment was processed within the allowed grace period. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 2024-10-08
Product: Credit 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: NAVY FEDERAL CREDIT UNION (VA)

I tried to make payment arrangements with Navy Federal that would fit my budget and the representative put me on hold for 30 minutes came back to the phone and hung up on me. Navy Federal has withdrawn money from my savings account to pay off the credit card debit. All my income is from Social Security Disability. I have received several emails and phone calls harassing me to pay.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (VA)

I have two credit cards from two different credit card companies. Both credit card are in the amount {$700.00} with a {$170.00} Annual fees which was taken from the {$700.00} credit card but placed on my card account as the amount owe them. But if they already taken the annual fee out the {$700.00} available credit then I'm paying these two companies twice. I only received a credit of {$520.00} after they've taken the annual fee off. The problem is that the annual fees have already been taken out of Both cards. But I'm paying them the {$170.00} twice and this is unfair. The name of one of credit cards is Indigo credit card and the other one is Fortive credit card in which I haven't received the card yet but was able to create my account and that's how I found out that I'm being charged twice for the annual fees on these cards
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX account number : XXXXXXXX XXXX XXXX account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Here I leave two Attachments as proof. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year>
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: Experian Information Solutions Inc. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
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. (VA)

XXXX, XXXX, XXXX Reported Accounts : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the XXXX major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX stations managed by XXXX.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Consumer complaint received 2024-08-13
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. (GA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
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: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX 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 2023-04-07
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. (AL)

I disputes this account on XX/XX/2023. I have sent in my drivers license and now TransUnion is still requesting information for my identity. My complaint number XXXX. However, they will not delete this account XXXX Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.
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: Experian Information Solutions Inc. (NY)

It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion.
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (NC)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-10-25
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NV)

The loan servicer NewRez XXXX Shellpoint did not credit my account the payments to make it current. The payments were sent from XXXX and we have clear records it was delivered to the server. Payment was sent XX/XX/year> but they filed a motion and went ahead with attempting to foreclose anyways. They filed XX/XX/year> even though there was adequate time to have the funds credited which would make the loan current. This is an abuse of my rights that they didnt credit my account and chose to litigate
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MD)

Formal Complaint and Demand for Immediate Correction : On XX/XX/scrub>XXXX XXXX XXXX, I filed a dispute with XXXXXXXX XXXX  regarding a charge of {$140.00} by XXXX for ordered items that were not received. XXXXXXXX XXXX failed to resolve the dispute within the legally mandated XXXX timeframe per the Fair Credit Billing Act ( FCBA ). The attached document clearly indicates that XXXX did not resolve the dispute until XXXX XXXX XXXX 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$140.00} or any associated fees, due to its failure to resolve the dispute within the required timeframe. 

I demand the immediate removal of all fraudulent information from all credit bureaus, including XXXX, XXXX, XXXX, and Innovis. This includes the reported past due amount and any related negative marks on my credit report. 

I reserve the right to pursue all available legal actions against XXXXXXXX XXXX and all other parties involved for their failures and illegal actions in handling this dispute. Failure to comply with this demand will result in further legal action against all parties involved.