davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAB, INC. (AZ)

On XXXX MST on XX/XX/year> I received a call and voicemail that was very aggressive saying a man named XXXX XXXX needed to call back regarding his client All Inclusive Contracting. They said I needed to call them back ASAP or that they would pursue litigation. 


This was not the correct XXXX XXXX as I do not own any properties or have worked with a Contracting company before. 

This also caused me to waste 2 hours of my time calling medical providers thinking this was a past due medical debt when it was confirmed I am current on my medical payments and do not own anything. I also tried calling RAB XXXX  for clarification but their number leads to a dead end with no way to leave a voice message or contact a person. 

I would like RAB XXXX to stop contacting me and make sure they are calling the right people in regards to their debt collection practices.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2023-12-08
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding inaccuracies on my credit report, which has recently come to my attention during the process of attempting to purchase a car.

I believe these inaccuracies are in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ). Upon reviewing my credit report, I discovered several pieces of information that are incorrect and do not accurately reflect my credit history. These inaccuracies have adversely affected my creditworthiness and, consequently, my ability to secure favorable financing terms for the car purchase.

I have attached a copy of my credit report highlighting the discrepancies for your reference. I would like to draw your attention to 15 U.S.C 1681, which mandates the accurate reporting of consumer credit information. I believe that the discrepancies on my credit report are in violation of this law, and I kindly request your assistance in investigating and rectifying this matter. Please see below whats reporting on XXXX, XXXX, And transunion. 

XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX {$760.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2300.00} Enclosed with this letter, please find copies of the following documents for your review and investigation : 1. A copy of my credit report. Identity theft affidavit, and police report.

2. Any supporting documentation that verifies the correct information.

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter, ensuring that the credit reporting agencies comply with the provisions of the Fair Credit Reporting Act. 

Your prompt attention to this matter is greatly appreciated, as it has direct and immediate implications for my financial well-being. I look forward to a swift resolution and a correction of the inaccuracies on my credit report. 

Thank you for your time and assistance.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX  XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX 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
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I opened a bank account with USAA on somewhere around XX/XX/2023 in the amount of {$10000.00}. On XX/XX/2023 when my fund should have been available it showed me that my funds were currently unavailable. I called when the next business day they were opened. They informed me that I am under investigation for fraud. I asked them for what reason did they have to put me under investigation. That my accounts have been closed because USAA decided they do not want to do business with me. They said they could not tell me as it is an investigation. I called several times after that trying to get information or my money. They advised me there is nothing they could do and they don't have any other information other than my account was under investigation for fraud and I need to wait 60 days to get my money. I asked XXXX speak to a supervisor and they told me this was the highest I was going to get and the investigation department would not speak to me, they don't take calls. Reluctantly, I obliged because I had no other option. I called day 60 to make sure the process was moving along and request my checks. I spoke to a woman in the fraud specialist department on XX/XX/2023 and she told me yup they will be moving this along because the 60 days are up and the checks are being prepared today and would go out in the mail the next day which was a Friday. Here it is Monday XX/XX/2023 calling to check to see if the checks were actually mailed and they were not. Before XX/XX/2023, the fraud specialist people would not let me speak to a supervisor or escalate my call, but now the specialist told me she needs to escalate my call and then hung up. I am beyond mad. This company is lying to me first of all. When I spoke to that woman on XX/XX/2023, she told me that the institution that the funds came from ( XXXX XXXX ) are the ones who flagged the deposit as fraud. So of course I call them, their fraud department said I dont know why they would tell you that because we did not flag this as fraud. We even gave them a confirmation number. If there was a concern for fraud, they would not release the funds let alone give a confirmation number. Not only that, I started doing research and it seems like they held my money longer than there were allowed to. Also, they are telling me today that they checks were not sent and then they keep hanging up on me which is the third time I called.
Consumer complaint received 2023-08-28
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: Bread Financial Holdings, Inc. (HI)

Comenity Bank- Victoria Secret store card On XXXX I walked into the VS store and paid off my credit card in full with Cash. 

XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my VS account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. 

XXXX called comenity and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. 

XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX Email received by XXXX regarding credit score dropped by XXXX due to this bill XXXX Emailed Comenity bank regarding this. Agent replied back they need an additional 30 days to investigate. 

The bill was paid in full on XX/XX/23. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you
Consumer complaint received 2024-05-17
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: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX XXXX
Consumer complaint received 2023-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (FL)

I contacted OneMain Financial asking for a business loan and it was processed as a Debts consolidation loan, when I was very clearly not in debt. 

I allowed a titles loan on my owner/payed out car and continue on to use for business which of course failed and I began struggling with payements. 

Furthermore, my vehicle broke down and I could convince any Onemain Financle tel. Agent to help me with an extra bit of loan to repair the car and remain in good standing with them. ( Getting to work, and if I had no options, they wouldnt repo a broken car ) Ive spoken to other Onemain financial tel. Agents since this problem and they simply apologize. 

In the end I still have a delinquent standing with my loan payements which furthers my issues when asking for help from any other branch. 

XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. XXXX has refused to do so. On XX/XX/23, I called XXXX and spoke to an agent named XXXX who refused to provide me with an Employee ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute letters
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 15 u.s.c 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

Dear EXETER FINANCE, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I NEVER gave EXETER FINANCE any written instructions to furnish any information STATING LATE OR UNPAID STATUS on my consumer report which is a violation of 15 USC 1681b. These companies have caused severe stress and anxiety due to the abusive and unfair practices. You all should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
EXETER FINANCE - XXXX I was never late on XX/XX/2022 for this account please update the account as Paid/Current. THE ACCOUNT WAS PAID IN FULL ON TIME. 

By the provisions of the Fair Credit Reporting Act, All three Credit Reporting Agencies should be reporting the same exact and accurate information. 

EXETER FINANCE- PAID IN FULL NO LATE PAYMENTS I demand these items be investigated and ANY late payments be removed from my report, and I demand that you provide me with concrete evidence and ALL documentation proving that I am or have been late. 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 am not asking for verification of the account, but physical evidence for verification of payment history. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 

Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (IL)

Dear Sir or Madam, This is second time submitting this complaint ; first time was in XX/XX/2023 ( see the attached ). 

I was having financial difficulties in making the monthly payments at then my house XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). So I had contacted Wells Fargo for the loan modification, and they asked me to write a hardship letter ( see attached documents ). I had contacted them multiple times and finally they granted me the loan modification over the phone. They instructed me to make bigger payments during the next 3 or 4 months which I did. After the extra payments were made they did not modify the loan. After repeated calling and speaking with them, they stalled and said the paper work will be going out for the modification. But they never did. 

I ended up making extra payments because of what they promised to be the loan modification ; I was led to believe I have the loan modification and made me make extra payments. 

After that my house ended up put for for short sale ( see attached ) and I lost all of my equity in the house of over XXXX XXXX
Consumer complaint received 2023-08-28
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: Affirm Holdings, Inc (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-08
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (OH)

On XX/XX/XXXX I attempted to close my checking account with TD Bank that was opened approximately 2 weeks ago. I attempted to transfer the balance myself the night of XX/XX/XXXX and was locked out of my account and received a message stating that. 

I called on the phone and to either close my account or fix my account to be in a position to transfer the money to a functioning account I must enter into a branch which I am 10hrs away from the closest one and was given only that option. 

Obviously I cant do that and do not have the means to drive 10hrs to close my account and have the funds dispersed to which they said they cant do over the phone either along with being very stubborn. 

I just need my account closed and the remaining balance of {$120.00} sent in the form of a check to my residence which is different from which is on the account.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I had XXXX on my Venmo app but a fraudulent charge at a local XXXX took XXXX from my venmo balance then a 2nd charge at XXXX for XXXX transferred the amount from my personal bank account to my venmo account. Both were on XX/XX/2023 one at XXXXXXXX XXXX and the second one at XXXX pm. This fraud also transferred XXXX from my bank to my Venmo account four times adding up to XXXX cash on XX/XX/2023. Venmo did reimburse my bank account the XXXX and the one XXXX XXXX charge but Venmo is refusing to reimburse the second XXXX charge of XXXX to my Venmo account. I have proof that I had XXXX XXXX and could not have made these transactions at XXXX I was in recovery at the time.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act Kohls Department Store acct # XXXX has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 



15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions.

Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.