davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (TX)

XXXXXXXX XXXX is reporting several accounts to all 3 credit bureaus with errors. I have contacted XXXXXXXX XXXX and the credit bureaus multiple times to dispute the accounts and every time they verify the information is reporting accurately. I have now located my credit reports from 2018 and have proof that these accounts have been re-aged. They are not correctly reporting the date of first delinquency and that is illegal. The accounts I am disputing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my XXXX credit reports from 2018 as proof.
Consumer complaint received 2024-04-05
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. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-13
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. (MO)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (CA)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 received 21 days notice that my payment was going to concern late
Consumer complaint received 2022-10-29
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: TRUIST FINANCIAL CORPORATION (FL)

I filed a dispute on my credit report concerning Regional Acceptance being allowed to continue to remain on my credit reports as a charge off. It has continued to remain on my reports even after it reported a 1099-C to the IRS for the {$12000.00} as income in XXXX. Income is no longer debt as taxes are paid on income. XXXX investigated and stated Regional Acceptance 's reported the information remains accurate when in fact it has placed the debt cancellation under the 1099-C as income paid out, not debt. Regional Acceptance has also altered the amount and name on the 1099-C which makes it hard to dispute. Regional failed to report the debt minus the fair market value they received from repossessing and reselling the vehicle in XXXX. 

Form 1099-C Cancellation of Debt Creditor : Creditor 's Federal Identification Number ( FIN ) : XXXX TRUI XXXX XXXX XXXX : Debtor 's Identification Number : XXXX XXXX XXXX XXXX XXXX Submission Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original document Account Number ( Optional ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Property Fair Market Value XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Amount of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} Interest Forgiven Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Identifiable Event Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor 's debt collection Policy Debt Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOAN Personal Liability Indicator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Box checked-Personally Liable
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am submitting this CFPB Complaint to dispute the fraudulent inquiries listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several inquiries and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they have not attempted to do.
Consumer complaint received 2023-10-13
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently XXXX : XXXX XXXX XXXX  Please remove Late Payment as this is incorrect information and is being used fraudulently XXXX : XXXX Please remove theses fraudulently addresses on XXXX : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. CREDIT CARD Please remove Late Payment as this is incorrect information EQUIFAX : XXXX XXXX XXXX Please remove unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX  Please remoce 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
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: M&T BANK CORPORATION (PA)

Why does M & T Bank not allow me to enroll online and check my balance? After making an initial complaint, one customer representative called me back but abruptly ended the call before answering all of my questions. They insisted that I either visit a branch or have a XXXX  meeting because they were unsure if I actually reside at the address I provided. However, there are two issues with this approach. Firstly, they have already sent credit card offers to my home address, which indicates that they are aware of my residency. Secondly, the more pressing concern is that my credit card application was already approved and I have been able to use the card. How can a bank approve my credit card without knowing my identity, especially if now they claim they do not know me and require a site visit? This is a fraud!
Consumer complaint received 2023-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (CA)

{$1100.00} United Collection Bureau , INC I dispute your claim and I am requesting validation form you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
-Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or a document that holds me responsible for this alleged debt. 
-Cease any credit bureau reporting until debt been validated by me as required by the FCRA XXXX 
-Send me proof that you are licensed to collect my debt in my state. 
-Send this information to my address listed above and accept this letter- sent as my formal debt validation request, which i am allowed under the FDCPA. 

i will await your reply with the above requested proof. Upon receiving it i will correspond back with you.
Consumer complaint received 2023-04-19
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 — Investigation took more than 30 days
Company: Westlake Services, LLC (IL)

Hello do WESTLAKE FINACIAL THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX  # 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 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 a account without my written instructions
Consumer complaint received 2023-11-13
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XXXX XXXX I closed my account. They informed me that I had a late fee of XXXX to pay. Told them I just sent you a payment for XXXX, I pay you XXXX every other month. My payment is just XXXX a month that I charge every month. So that day I went to the post office and sent out the check for XXXX certificated mail # XXXX. They received the check on XXXX XXXX signed for by XXXX XXXX. I never heard from them or got a statement at all in XXXX. On XXXX XXXX, they still haven't cashed the check for XXXX ( certificated mail and signed for as stated above ) so I stopped payment on that check and sent out a check for XXXX. I sent out a letter with proof asking the company why they still haven't cashed my check for XXXX, that enclosed is a check for XXXX sent out certificated mail # XXXX and tracking # XXXX account ending in XXXX enclosed all this information on the check too. I went to the bank today and they just cashed my check from XXXX XXXX, for XXXX, they signed for it on XXXX XXXX, XXXX XXXX I got a bill for XXXX. They are still charging me a late fee on top of late fees. Plus every day they call me none stop. I have no idea why, when all they had to do in XXXX is just cash the check for XXXX that they signed for and that would have been the end of it. But no they just had to harass me every day by phone never saying hello or never leaving a message either. They started this problem not me. This is a bank every one should be aware if how Comenity Bank is treating people. I would never do business with them again and I think every one should close there accounts with Comenity Bank and let them go under. They have XXXX different cards, close all XXXX different cards. They don't deserve anyone 's money, if they want to treat people this way for paying there bills. Shut them down.We all have the power to shut these companies down when we aren't treated right.
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (AZ)

My Equifax Score dropped 48 points over night without any changes I initiated to my credit file. 

Upon receiving the notification about my score drop from my free credit score apps, I immediately filed a dispute. This was XX/XX/2020. I also contacted Equifax directly via phone immediately after filing my dispute because I was unable to upload supporting documents on their website. A representative informed me I had to fax any information to update my credit file. I then faxed over an official statement from my lender stating the status of the closed account. I promptly faxed them the document with a cover letter that included my dispute number. I also included a letter of intent stating this reporting error caused me financial hardship and that I was filing a written complaint. I received an email on XX/XX/XXXX that my REINVESTIGATION has started from an non-reply email. When did the original investigation take place? What was the result? Was my complaint received? No email to respond to about my issue. On XX/XX/XXXX, I received a notification from my free credit reporting apps that my name had been updated, seemingly for no reason or purpose. Its now XX/XX/2020 and I have not received any notification from Equifax regarding my initial dispute or an acknowledgment that I filed an official complaint with the company. During this time, my Equifax credit score has not changed. Meanwhile, my XXXX  and XXXX  scores both increased because I have been working for years to repair my credit. 

Equifax not only failed to provide me notice of dispute within 30 days, they have not changed their error. Both of these matters are grounds for a lawsuit. I am trying to purchase a home and need my credit scores to be accurate for pre-approval. There has been no acknowledgement of wrongdoing or that I have filed a complaint from Equifax. I am emailing this message to the only email I can find for them hoping to get this issue solved.
Consumer complaint received 2024-07-02
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bread Financial Holdings, Inc. ()

On XXXX the first XXXX  I went to the Bank XXXX XXXX XXXX de XXXX XXXX ) requesting an extension of the limit of my credit card account. I gave them the evidence documents of my income but the Bank denied my request because of my age. This was the only excuse they said that they couldnt give me an update of the limit.
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 

I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this formal investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2023-10-13
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.