davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

I am writing to file a formal complaint against IC System Inc. for their collection activities on behalf of XXXX XXXX XXXX. The incident involves their persistent attempts to collect an alleged debt of {$200.00}. Despite my request for verification of the debt, IC System Inc. has not provided adequate documentation supporting the validity of the claimed amount. The lack of transparency regarding the alleged debt, including dates, charges, and supporting documentation from XXXX XXXX XXXX, is of concern. The actions taken by IC System Inc. have been aggressive, and I believe they may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the Consumer Financial Protection Bureau to investigate this matter, seeking resolution through proper verification of the debt, cessation of aggressive tactics, and the provision of detailed information related to the alleged debt. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt attention to this complaint.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the many formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
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. (FL)

I am writing to formally file a complaint against XXXX, XXXX, & EXPERIAN, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, XXXX, AND EXPERIAN, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, XXXX, AND EXPERIAN I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, anxiety, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, including credit reports, correspondence with, and evidence of the impact on my family 's mental health. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have XXXX credit cards with XXXX XXXX  During the beginning of the Covid 19 pandemic, I lost both sources of income. I was working as a XXXX XXXX XXXX XXXX and an XXXX XXXX at XXXX XXXX over Georgia. I was unable to make the credit card payments in XXXX and XX/XX/XXXX and it was reported on my report as late payments. I contacted XXXX XXXX and was informed that the late payments were valid and could not be updated. I inquired about the CARES Act regarding late payments due to being impacted by job/income loss. 

I recently spoke with a representative at XXXX XXXXXXXX on XX/XX/XXXX regarding the possibility of having the late payments removed due being impacted by COVID 19 pandemic and my request was declined.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo home mortgage incorrectly reported the balance of my mortgage account in XXXX by XXXX which negatively impacted my credit score causing it to drop by XXXX points the day after reporting this information as it signifies delinquency on my mortgage payments which is not accurate. 

The balance on my mortgage statement issued by Wells Fargo is accurate but the balance of the account reported to credit report is incorrect ; I openned dispute with three credit reporting agencies but they referred me to the lender to correct information ; I contacted Wells Fargo and they openned a case that was supposed to be resolved by XX/XX/XXXX according to them ; then I contacted again after the information on the account was incorrectly reported in XXXX and was told that the case was closed as " Wells Fargo does not interfere with how credit reporting agencies calculate credit score '' ; they ignored the problem which is incorrectly reporting account balance but focused on the consequences of the problem which is not their responsibility to wash their hands and pass the buck to someone else. 

I had a credit rating of XXXX before that reporting error and it dropped to XXXX the day after ; no other accounts added or changes during the period of their reporting error and my score drop. 

The negative impact of the incorrect account balance has materialized already and I am paying for it in my cost of borrowing. 

I am only requesting that Wells Fargo correct the account balance reported to credit agencies to match the balance they send me on my mortgage statement and year end tax record.
Consumer complaint received 2024-01-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I reviewed my credit report last year XXXX and discovered a collection listing from Transworld Systems , Inc. I sent a debt verification letter dated XXXXXXXX  requesting validation of the debt on XX/XX/XXXX The post office receipt of delivery confirmed that someone at Transworld Systems , Inc received and signed the letter on XX/XX/. I also called the post office to confirm the receipt of the letter. As of today, XXXX Transworld Systems, Inc have not responded to my debt validation letter.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (TX)

I noticed on my credit report multiple phone collections all opened around the same time. I have never had a phone bill in my name I have been on my parents phone plan for the last XXXX XXXX and before that I was on my grandmothers plan. I would like these removed from my credit report. I am trying to work on my credit to be able to buy a house.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX DEAR EQUIFAX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your bureau I HAVE NO KNOWLEDGE of credit applications made to the following companies which are now inquires on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX THIS IS FRAUDULENT AND I REQUEST THIS BE REMOVED IMMEDIATELY I also request that the information with my address and phone numbers along with aliases of my name be corrected i go by the name XXXX XXXX only.please remove any other names you have reporting falsely on my report. 

please remove any address that is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX this is my official request to have the aforementioned items to be deleted off my credit report
Consumer complaint received 2024-01-23
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: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/XXXX, Your front door ran my XXXX XXXX XXXX for XXXX dollars through the XXXX XXXX XXXX terminal. XXXX then froze the funds until XX/XX/ according to them and as far as I know the company took off with the money and ran with it even though it was indicated multiple times that a refund was going to be issued. Since then american express has not investigated properly and sent this to a third party collection agency who has since reported it to my credit without fixing or investigating the merchant. I nor american express has recieved the money and now has made it my problem. I have since gotten the FBI involved and filed a civil suit. I would like this to reinvestigated properly. 
My attorney is XXXX XXXX his numer is XXXX and the FBI officer working on this fraud case is XXXX XXXX Email XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (MD)

This collection XXXX  started appearimg om my credit report this month. It states it was a collection from a XXXX Bank Indigo  Mastercard that was opened in XX/XX/XXXX and regerred to collections in XX/XX/XXXX. I never opened any credit cards on or around this time. I comtacted Imdigo Mastercard and was told that they have no record of any account in my name for this time period.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the many formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

I recently submitted a dispute to XXXX requesting the name of the Data furnished on my credit report regarding a bankruptcy. XXXX is violating my privacy per the FCRA, and the privacy act of 1974 and the right to opt out. I did not grant/authorize any third party data furnisher to report to XXXX nor any of their affiliates. ( a ) A consumer shall have the right, at any time, to direct a business that sells personal information about the consumer to third parties not to sell the consumers personal information. This right may be referred to as the right to opt-out. 

( b ) A business that sells consumers personal information to third parties shall provide notice to consumers, pursuant to subdivision ( a ) of Section 1798.135, that this information may be sold and that consumers have the right to opt-out of the sale of their personal information. 
Attached is a letter from the Bankruptcy court stating that they do not report to credit bureaus. I demand that XXXX correct this matter by updating my credit report with the requested deletion.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX XXXX, account number XXXX. I have no knowledge of this account and i have disputed it a number of times, ive asked them to validate this debt, and ask them to supply infomation on how they validate this item. doesnt belong to me.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XXXX ) I asked to close my accounts with HNB in XXXX or XX/XX/XXXX. 

XXXX ) I received physical mail correspondence dated on XX/XX/XXXX that both accounts were closed. 

XXXX ) I continued to receive notices that the balances of the account were at or below XXXX. Also account were listed as open in their web portal XXXX ) I chatted with HNB  on XXXX requesting resolution of the matter and they said it would happen XXXX ) I chatted with HNB again in XXXX XXXX once and on XX/XX/XXXX and the matter is still not resolved. I XXXX have followed up once in XXXX or another time in XXXX, but am not sure, their abysmal service to me has run together. 

XXXX ) It feels as if they want to make closure as painful as possible truly an awful customer experience
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (GA)

So maybe it was early XXXX end of XXXX I was in the bealls store making a purchase when cashier asked if I would like to apply for a credit card I was like sure applied got approved the cashier assured me that I would get the card within 7 to 10 business days so I used the temp card or paper to make XXXX purchase of {$63.00} I wanted almost a month never received a card so called don't remember who I talk to I explain to them I never received a card so that said no a problem we can fix this so she asked me what was the address on the account so I told her my current address she said that was not correct and I was like okay maybe it's under in old address I literally gave her 7 different address everywhere I ever lived and all of them were wrong so she said that I would have to mail a copy of my ID for proof of identity I was like no I'm not doing that just close the account so she said that she closed the account I was still responsible for the balance of {$63.00} so I agreed this was the early part of XXXX so the early part of XXXX I paid the {$63.00} dollars so I thought I was done with company until they sent me a bill saying I owe XXXX in late me fees I was so confuse and called the company I ask them how I owe a balance on closed account with a XXXX balance the said that I didn't make my payment on time so for 3 months I was harassed with calls emails etc until I just paid them {$180.00} worth of late fees on a closed XXXX balance account to me I felt like it was far they were just taking money from me the only reason why I paid because the were falsely report to credit report on a closed account so finally they stop harassing me just for them to hit with some other fees with a bill in the mail so I called them once again she said she would take off all fees and remove from my credit and still hasn't done
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-11-08
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. (VA)

Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from XXXX about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) XXXX assumed this role without permission nor my consent, also XXXX did not respect my rights to privacy which is under 15 USC 1 [ ... ]
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

These accounts are fraudulent and are falsely reporting on my consumer report. I request that all accounts and inquiries be removed from all credit bureaus immediately. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX XXXXXXXX {$2400.00} Hard Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-01-24
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. (MO)

Experian notified me yet again with another LIE by tell me disputes are ready to view on line, LIE LIE LIE LIE LIE LIE LIE LIE LIE as you can see thats not true and more deceptive practices b this FRAUDULENT CROOKED COMPANY
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

I am the subject of an improperly handled bill payment transaction with PayPal Credit ( Synchrony Bank ) for two lines of credit -- one interest-bearing at 12.99 percent and the other at a promotional rate of zero percent for six months. 

I am reporting this issue to the CFPB to ensure that Synchrony Bank does not benefit from any penalty revenue paid and that I am properly refunded. I also hope that Synchrony Bank is held liable for this and that this serves as evidence of negligence on their end in any future legal proceedings. 

On XX/XX/23 I called PayPal Customer Service to make a payment to PayPal ( Synchrony Bank ) prior to my due date of XX/XX/23. I asked PayPal to charge my bank account {$490.00}. I asked them to first allocate roughly XXXX dollars of this, the minimum payment due on the interest-bearing account, to the interest-bearing account. I then asked them to allocate the balance of this payment to the zero percent promotional account. 

On XX/XX/23 I was notified of a missed payment by Synchrony despite having asked them to post my payment. I called customer service and spoke with a " XXXX XXXX '' ( Confirmation # XXXX ). This individual told me they remedied my issue and that my account was no longer delinquent. 

On XX/XX/23 I received a letter from PayPal Credit ( Synchrony Bank ) stating that they could not make the allocation as requested because my XXXX payment was past due. 

I then called PayPal at XXXX XXXX on XX/XX/23 and spoke with an account manager in the Customer Service Department by the name of " XXXX '' who had been with the company for six years. XXXX informed me that I didn't pay my bill and as a result I could not make my allocations as desired. XXXX also told me that I had to pay double the minimum payment on my interest-bearing account ( XXXX and XXXX bills ), and that the rest of the money would be allocated to my special financing rate. 

I then decided that Synchrony 's services weren't worth my money and that they didn't need my interest revenue, so I paid my bill in full at XXXX dollars for both accounts. 

I have attached an XXXX Sheet with my calculations to justify my allocation request.