davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (NJ)

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-08-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

My father died unexpectedly in XX/XX/XXXX. I went through the XXXX XXXX XXXX XXXX XXXX court system to establish his estate which includes a condo he owns located in XXXX XXXX XXXX. I have a pending sales contract with a buyer. The title attorney sent over a written request for a payoff quote on XX/XX/XXXX to Carrington Mortgage Services LLC in which they were denied 2 weeks later. I submitted the death certificate and the letter of administration and requested a payoff quote on XXXX. I have called daily. The customer service reps continually provide poor customer service and gave me the run around. I have even ask to talk to a supervisor no useful information provided. This is a simple and common request to receive a payoff quote which validates 1 ) IF a loan exist 2 ) IF a balance exist so it can be paid off during the property sale ).
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (OK)

Account Number : XXXX Exeter Finance LLC I accept NO responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession and charge off account. Since you're supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect : 1. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. 

2. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately. 

3. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

4. Monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

I look forward to resolving this matter quickly. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/20 BBVA " Compass Bank '' at XXXX XXXX XXXX, XXXX Texas XXXX improperly took possession of what the teller thought was a counterfeit ( XXXX dollar bill ). 

On XX/XX/20 The United States Secret Service was contacted at the XXXX Texas Field Office. The Special Agent indicated that the Serial No. { XXXX } which the bank alleges was fake IS NOT in their system as coming up as fake. 

Moreover, the same bill that Compass Bank at the above location is alleging is fake originated from Compass Bank @ XXXX XXXX XXXX. XXXX Texas XXXX XXXX XXXX XXXX XXXX. 

So if the U.S. Secret Service is in error ( highly doubtful ) and Compass Bank at XXXX XXXX XXXX is correct ... there is still the problem that the bill originated with Compass Bank at XXXX XXXX. 

What I want is the {$100.00} to be returned to rightful owner.
Consumer complaint received 2023-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (VA)

Approximately XX/XX/2023 I applied for a JetBlue Mastercard on a promotion to earn XXXXJetblue points. I applied through Barclays on-line and received an automatic response that they could not immediately approve and additional review was required. Within a week, I received a letter from Barclays indicating that they were unable to approve my application due to one of the following reasons : Our records show that you already have or had the maximum allowable number of products with us. I do not have any Barclays products, according to my cbr I've never had any Barclays products. However, I do have products with XXXX XXXX. I believe that I have been unfairly denied credit with Barclays and the explanation provided seemed was intentionally broad in nature to potential deny consumers credit based on reasons other than credit score or credit history. I do not have any negative marks on my credit, my debt to income ratio is moderate, and my credit score is good. I believe this is a case of potential discrimination and unfair practices. Barclays did not extend an opportunity to obtain additional explanation for the denial and only provided an XXXX XXXX XXXX for questions. The application number is XXXX.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

As a response to a bounced payment, the TD based company in charge of the XXXXXXXX XXXX XXXXXXXX store credit card chose to reduce the credit card limit to a number intentionally below the balance on the account so as to maliciously and immediately cause severe, excessive damage to customer 's credit score. Theu reduced a limit by 87 % ( XXXX to XXXX ) to INTENTIONALLY cause damages to a person 's credit score, making it more difficult to do anything in life. Effectively a form of defamation.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

I have been in pure XXXX due to the fact XXXX XXXXXXXX XXXX  has had the wrong mortgage account for over 21 years on my credit report and also they reported the incorrect mortgage account included in my XXXX bankruptcy i have all the documents to prove it is false and inaccurate and XXXX is very lucky i can't afford an attorney to sue them. 
So i was put in XXXX because of XXXX negligence and arrogance they ruined my credit and life and put me in pure XXXX because they were being beyond predatory towards me and i hope the CFPB can help me get my life back please punish XXXX and get me some financial compensation because i have nothing, i have never even used my credit ever in my life also a bankruptcy attorney at the XXXX his name is XXXX XXXX and he knows XXXX was and is wrong as XXXX left shoes. I was not allowed in XXXX when XXXX was dragging me to court to even contest or object to anything and the banks should not be allowed to hide behind the courts and ruin someones life just because they filed a judgement i have been through pure XXXX due to XXXX false reporting and they got an extra {$14000.00} i could've used that to buy a new house.
Consumer complaint received 2023-12-01
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. (TX)

This is my endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (IL)

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/2024, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports.

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

Good afternoon, I've recently been aware of a remaining bill from XXXX after checking my credit score and saw I had a collection. Almost a year ago, XX/XX/2023 I called XXXX letting them know my circumstances and that I'll have to stop my service. The person I spoke to was able to waive the cancellation fee and told me my balance was clear, I would just have to return my equipment back. It took a little longer due to having to move but once I returned all my equipment, on XX/XX/2023 I called XXXX again where they verified what the workers at the XXXX had communicated to me, which was my account was cleared but to hold onto my receipt in case of issues. Now almost a year later I'm getting billed from XXXX of about {$120.00}. I've tried to reach XXXX countless times through their phone number where I never got ahold of a representative, I tried to use the call back feature but was unable to due to problems logging into my account and I even messaged them on XXXX because I heard we can reach a representative but again was no help. I finally located the headquarters number where I spoke to a representative letting them know I have no problem paying the bill I was just never notified, I wasn't called nor sent an email with these charges and due to moving never got a letter. The representative told me they will try to remove the collections, that they will send me an email but I never received an email and I called Saturday, XX/XX/2023. I received misinformation and was hit with a bill almost a year later with no notice. I would like this bill completed removed from my credit report and will happily pay it if a representative reaches out to me, which again they haven't.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AZ)

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

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 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested Method of Verification under FCRA 611 ( A ) ( 7 ) Trans Union failed to provide It in 15 days so I am demanding {$1000.00} as the FCRA requires. I sent my dispute via CFPB Complaint # XXXX on XX/XX/23 The dispute involved violating my right to privacy. 
Because I gave no one written permission or any consent to report this information on my consumer report. The Gramm -Leach -Billey Act states I as a federally protected consumer have a right to privacy. How can a financial institution Update/ verify information when they should not be reporting these accounts in the first place. 

1 ) XXXX XXXX- # XXXX. 
2 ) XXXX XXXX- # XXXX. 
3 ) XXXX XXXX XXXX - # XXXX. 
4 ) XXXX XXXX XXXX I submitted Method of Verification request via CFPB Complaint # XXXX on. XXXX/XXXX/XXXX. 
I did not receive the MOV in 15 days as required under the FCRA 611 ( A ) ( 7 ) and demand my {$1000.00} be mailed to me immediately.
Consumer complaint received 2023-04-25
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. (FL)

On XX/XX/2023 I submitted a dispute for XXXX XXXX Account # XXXX. I requested that Transunion remove this account from my credit report as it is over XXXX old.
Consumer complaint received 2023-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (HI)

on XX/XX/2023, received letter from Aargon Agency for a past due debt for XXXX XXXX of {$32.00}. 
On XX/XX/2023, responded via written letter asking for XXXX XXXX Billing reflecting a balance due of {$32.00}. I noted that I never received any past due invoices from XXXX XXXX since my last payment dated XX/XX/2023 and included a copy of the cleared check. 
On XX/XX/2023 received response from Aargon Agency with a XXXX XXXX ledger. 
I asked for the XXXX XXXX billing and expected a copy of the actual billing invoice of XXXX XXXX. 
On XX/XX/2023, called XXXX XXXX directly and spoke with XXXX in customer care. She is to provide copy of the XXXX XXXX bill reflecting the past due amount. I also requested that debt collection stop as i never received any communication from XXXX XXXX in XXXX or XXXX or even after the last payment done on XX/XX/2023. 
Please note : The collection letter dated XX/XX/2023 is unsigned and at the bottom it notates " Original Creditor '' as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Hi XXXX. 
A XXXX search of XXXX XXXX XXXX XXXX describes a retail apparel store, why would this be on the collection letter? 
Is this a collection scam? Thus the added need to request a copy of the XXXX XXXX billing NOT a ledger that can easily be made up.
Consumer complaint received 2023-12-05
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

This XXXX collection account was the subject of previous CFPB complaint # XXXX. The collection agency XXXX XXXX claimed they did not receive my dispute letter and that they had sent the account back to XXXX. 

XXXX subsequently placed the account with a new collection agency, Transworld Systems of XXXX XXXX, PA, which is the subject of this complaint. I sent a request by certified mail disputing the amount and requesting a detailed accounting of the amount XXXX claims I owe. Transworld Systems signed the certified mail request card ( a copy of which is attached ), indicating they received my dispute letter, but they have never responded to me. The XXXX account remains on my credit report. This is an infraction of the FCRA. 

I switched from XXXX to XXXX XXXX XXXX on XX/XX/2023, and XXXX acknowledged the transfer by text message on the same date ( copy attached ). I subsequently received notification from XXXX that they claimed to provide service through XX/XX/XXXX and were billing me an additional {$120.00}. I have had XXXX XXXX XXXX service since XX/XX/2023, which XXXX acknowledged. XXXX has never provided me with a copy of the final bill.
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please delete all complaints associated with this email and personal information below. You and the credit bureaus do nothing to help the normal citizens of this country. It is nothing but a waste of time, no one checks anything, follows up on anything because you dont care. Im sure if I was in this country illegally you would handle immediately and offer even more credit, insurance, phone, place to stay, etc. Im an American citizen and nothing has been done to help me. I will take a different approach and I promise you all will be exposed of how you do nothing but forward complaints back and forth and no one checks anything. Please erase me from your system. You guys are absolutely worthless!
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (CA)

XXXX XXXX DATE : XX/XX/XXXX This is my second dispute WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE REWCEIVED ON XX/XX/XXXX? 

WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of grave concern regarding the accuracy of my EQUIFAX credit report, as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My recent investigation of the Equifax credit report has revealed numerous inaccuracies and incomplete information on the following accounts, and I must insist that these matters be rectified promptly : XXXX. XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX - Reporting 30 days past due in XX/XX/XXXX, despite no Date of First Delinquency reported. 
- Account Status marked as " PAYS_AS_AGREED, '' raising questions about the 30 days past due notation. 
- Missing information under Delinquency First Reported and Date of Last Activity, causing confusion. 

XXXX. XXXX Account Number : XXXX XXXX - Reporting a balance of {$320.00}, even though the account has been closed/charged off ( balance should be {$0.00} ). 
- Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE '' despite only one instance of 30 days past due in XX/XX/XXXX. 
- A past due amount of {$46.00} is reported on a closed account. 
- Inconsistencies between Date of First Delinquency ( XX/XX/XXXX ) and Payment History ( reporting on-time payments in XX/XX/XXXX ). 

XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX - Account Status reported as " NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE, '' despite no late payments indicated in the Payment History. 
- Missing information under Date of Last Activity, raising questions about the account 's status.
Consumer complaint received 2023-09-22
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 (CA)

I am writing again this complaint to CAPITAL ONE I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I NEED XXXX XXXX  DELETED FROM MY EQUIFAX REPORT ASAP. 
I NEED TO HAVE ALL INQUIRES REMOVED FROM ALL XXXX CREDIT REPORTS ASAP
Consumer complaint received 2023-12-01
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. (OH)

This is the second time I have asked XXXX XXXX XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXX XXXX  XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.