davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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. (TX)

I told the XXXX, Transunion, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX  XXXX Bankruptcies has been removed from my XXXX Consumer report dated XX/XX/2023 case number : XXXX. There is only a XXXX  XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, This is my second time submitting this information. After about XXXX months of dealing with ID theft I had requested removal of the fraud alert on the Experian file and enclosed all the required documents, which Experian indicated were needed as described in their original correspondence with me when the alert was put on the file. I received an acknowledgment in the mail but they placed and additional 90 day alert which is exactly opposite to that which I had legally request. I 'm attaching the documents which were provided and request for the fourth time that they remove the alert. Do I need to ask a federal judge to make them listen?
Consumer complaint received 2023-11-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In Complaint # XXXX I explained that I was a victim of an Internet Fraud activity in which my bank, XXXX XXXX XXXX XXXX US {$9000.00} to a Bank Of America XXXX BOA ) account which BOA had XXXX for the scammer or an agent thereof. I provided their account holder information including name, payment reference, account number, routing number and date in order to fully identify the perpetrator and the event. Also, I provided the XXXX Case ID ( # XXXX ) and the BOA Incident Report ( # XXXX ). 

In this prior claim I put forth XXXX questions to BOA : XXXX. Does BOA have procedures in place to properly vet their customers? 
XXXX. If so, were these procedures properly followed regarding the recipient of the wired scam funds, BIG EQP LLC? 
XXXX. Why has BOA not communicated with the XXXX XXXX with meaningful information? 
XXXX. If no recovery has been made, does BOA carry insurance or self insurance to protect victims of this increasingly prevalent occurrence and if so how could I, as victim, access these funds? 

In their response to the prior complaint, dated XX/XX/23, BOA answered NONE of these questions! Instead the response references privacy policies which do not allow them to to disclose any detailds about accounts. Although the responder wrote that she reviewed the correspondence carefully, even a simple reading would confirm that none of the questions in the original complaint inquire about details of their customer! 

Why couldn't the questions be answered? 

Furthermore, in telephone conversations with BOA personnel since the prior complaint was filed, I learned that XXXX the subject account had been frozen., XXXX there had been close to {$300000.00} of complaints against this account, XXXX initially that the account holder had " pushed back '' against the claim, XXXX more recently, that the account was permitted to be closed because the account holder DID NOT RESPOND! XXXX despite having properly filed a recall request form and " hold harmless '' letter in XXXX, XXXX XXXX asked to do both of those submittals again in XXXX. What did BOA do with the original complaint? Miscommunication and inaction on the part of BOA seems to be the only consistency. 

By not properly vetting their customer and not seriously considering a victims 's recall request and complaint relating to it, is BOA complicit in email fraud and wire fraud?
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX continues to call my father about my past due balance. My father has repeatedly told them to stop calling him. They leave threatening voicemails saying they are taking legal action against me.

They have never left me a voicemail on my phone.

On Tuesday, XX/XX/XXXX they again called my father and left a message that he needed to call XXXX. My father called them back and spoke with XXXX. XXXX told my father that I was going to be arrested due to non payment of my bill. She also asked him if he would pay my bill! She gave him all sorts of information about my debt.

When my father called me about this, I called XXXX. I was assured that they would not call my father again. I am XXXX   years old and my father has absolutely nothing to do with my credit cards.

Today, XX/XX/XXXX..my father has once again received a threatening voicemail from XXXX  with XXXX XXXX. My father is recovering from a severe illness. He doesnt need to have bill collectors waking him up when hes trying to rest.

The whole reason why Im behind on my credit card bills is because of my fathers illness. Ive been trying to help my parents out and assuring them that they arent putting me out ... now my father is freaking out that Im behind on my bills because of them.
Consumer complaint received 2023-09-02
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. (GA)

I notified Equifax that there are inquiries on my consumer report that i didn't authorize or have knowledge of. I uploaded the document that proves that my information was compromised and that my data was breached. They still haven't removed the fraudulent inquiries.
Consumer complaint received 2023-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$850.00} XXXX  XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

When attempting to log into my.Equifax.com for the first time in a while, and to my surprise I logged into someone else with the same name as but not my SSN. The account that I logged into had negative accounts, which made want to go check my other credit reports, and to my surprise, I was able to see multiple negative accounts that were illegally added to my credit report due to fact that Equifax allowed my credit report to commingled with the same name as me. I had no collections, and now i have collections. I had no charge-off accounts, now i have charge-offs on my account. I had no never credit card on my account, but now i have never card accounts. I have called and spoken with Equifax about this twice, 1st notice XX/XX/2024, 2nd notice XX/XX/2024. Under Laws 15 U.S.C. 1681eb, 15 U.S.C. 1692g, i want to request that Equifax remove any all negative accounts associated with my credit report for their negligence in allowing my credit report to commingled with someone else with same name.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (FL)

Apparently there was a charge in XXXX  for {$39.00}. I had stopped using American Express due to a poor customer experience. When I finally got a chance to call amex to follow up on why i was getting hassled by them via text, email, and 1 phone call it was too late. They already sent in the information. Because it was several months, amex has already changed me late fees and finance fees but apparently they were written off. As we all know they there are so many fraudulent activity actors in this world that i was hesitant in speaking to anyone via phone, clicking on a hyperlink sent by a fraudulent person or an email telling me to log on through the hyperlink. Amex has told me that because i choose paperless statements they were not allowed to send me a paper message about this charge that has not been paid for 3 months and that it was my choice to get the statements this way. I said to them-how is someone who understands fraud actually click on a hyperlink or give someone vital information on a phone call. I said if they had paper mailed to me their attempts to get a hold of me to see why I missed such a small amount considering my account has a {$40000.00} limit. Is it possible that i was unaware of this charge and that amex had not done enough to prevent my account being sent to collections and or missed payments to negatively affect my credit score. Then i tried to explain all of this ( what i am writing here ) and they said to me that they have been trying to get a hold of me for months. I just dont understand why they would not send me a paper notification as to what is happening within my account.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XXXX XXXX I paid the outstanding balance of {$240.00}. On XXXX XXXX an unexpected refund of {$1000.00} occurred, leaving my account at- {$980.00}. 

When I contacted customer service, they claimed that I closed the account ( which is not true ), but they refused to explain the reasons and falsely blamed me for the closure. Therefore, I went personally to the branch in XXXX, Florida. After speaking with the Manager at my XXXX agency, I was directed to an agent who vaguely stated, " it's the bank 's policy not to provide explanations, so your money will be refunded within 7 to 10 days. '' This action will impact my credit history, despite having no late payments for years ( as a closed account is a stain that remains on my record for 7 years ). I chose the card to improve my credit and strategically reduced its use to qualify for a more significant credit, such as a mortgage for my home. 

Was I penalized for having no debt? Was my account closed for aiming to maintain a XXXX XXXX XXXX' balance to qualify for a larger credit? Is a closure of {$1000.00} beneficial for a financial institution that could have gained a {$350000.00} home loan? Who is truly making the mistake? 

Regions Bank has been my preferred choice for years, and I have recommended their services to family and friends. This unexpected and unfortunate experience raises serious doubts about the integrity and customer service of the bank. 

I hope that the Regions Bank intervenes and mediates in this matter to ensure a fair and prompt resolution.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been paid in full for moths ; however, each month after receiving confirmation of payment, the bank rejects and returns my payment in full, charges me a late fee. Then when my bank resends the XXXX XXXX processes the XXXX but leaves the late fee and then charges me each month additional late fees. I finally closed my account after paying off these fraudulent charges 3 months in a row. Yet XXXX XXXX continues to charge me late fees and once again damaged my credit score.
Consumer complaint received 2023-11-20
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. (NC)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
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. (NC)

XXXX XXXX Report Number XXXX Date Generated XX/XX/year> Based on contract the mutual consent the consideration and legality has not been met we did not have a meeting of the minds we did not come together to negotiate a deal XXXX Equifax and XXXX when I turned XXXX they started reporting/recording my personal information without my personal consent which is a violation of consumer law based on FCRA 15 USC 1681 ( a ) ( 4 ) which I have a right to privacy. As Stated, before this was done without any offer without any expectation or consideration. They the big 3 credit reporting agencies have been gathering info and money in my name without any consideration to me this entire time.

The legality is the consumer reporting agencies have a duty to follow the FCRA we demand that all negative adverse info be removed/deleted from this consumer credit report due to a simple violation of the FCRA as stated before 15 USC 1681 ( a ) ( 4 ) to remove all late payments, charge offs, repossessions, all balances, collections, inquiries, utilizations any adverse information because as the consumer it is my right to privacy.

Above is the date generated where I contacted them and here is the report number is above as well and this was never satisfied this not only is an invasion of my privacy it is also identity theft that they are making profits off of my name and personal information without compensation. 
Respectfully XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (FL)

I had a payment on XX/XX/XXXX I got an email that the payment didnt go through today XX/XX/XXXX. The amount was {$220.00}. Now the balance is {$590.00}. I am overdrawn in my bank account. And Im trying my best to get that resolved. I am barely making it Im on a fixed income. I called in and spoke with an agent named XXXX. And she told me that Im at risk of going to collections. And to move a payment she needs 50 percent I have had cash Central since XXXX of XXXX I have not missed a payment. This is the first time. I have other expenses to pay I have bills and a roof over my head to pay. Last month I was out of town due to a family emergency it has been difficult to get back on track due to my hours getting cut. I called back and spoke with another man I explained the situation and he asked what I wanted to do. And I asked what options there are because I have no way of paying. He asked if Im able to make a payment in two weeks I said I hope I can and he was very snarky towards me he asked me whats going on I said Im in a hardship and he goes what do you mean by that? He went to make a change in the account and he claimed that he couldnt access my account because another agent was in the account. And it was the previous agent that I spoke to it says my account will be charged off and sent to a 3rd party collection. This is not a fair. And I want to come to a resolution to this matter. This has been very tough time for me. My account is overdrawn and I have no way of making up the missed payment. I want to consider an arrangement or come up with a settlement and not do business with this lender again.
Consumer complaint received 2016-03-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

I can not get any help from EXPERIAN. I tried emailing the message below as a result of all my mailed correspondence being returned to me with the claim that their Agency thinks I am not me. They are ruining my credit and will not help me with anything. I am blocked on their website form filing any disputes on my information. I can not get help by mail. No one will assist me at all. 
Please read the following email : Sent to Experain : I just spent two hours attempting to navigate your site. At this point I have no idea if I even have an account. I can not login. I can not find my report. I can not figure out what I was charged for or how much I was charged after inputting credit card information twice. Which I also can not understand since the only reason I even started this whole process was because I was offered FREE access to my Experian report. 
Kindly explain what is going on. I need to know what I have been routed into here. 
In addition I was just declined credit due to my Experian report and I am told I have the right to my FREE report. How do I request that? I am requesting that. 
Your agency is giving me a rating that is XXXX points below all the other reporting agencies. Due to the impossibility of emailing anyone at your Agency and also not being allowed to access my online information, I can not dispute information that is obviously incorrect. Otherwise there would not exist such a large discrepancy in the numbers. 
I would appreciate any assistance your can provide on these issues. 
If you can not assist me with any of this, I need contact information for whomever can. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I sent a certified letter asking the company ( Jefferson capital ) to verify this debt. I never did business with this company and have no knowledge of the debt with them. They replied with some generic letter and would not provide me with the proof of contract between me and them or the contract between them and the supposed original debtor. no chain of custody provided and they would not remove the debt from my consumer credit report as required under the FCDPA.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I walked a check into the branch. ( Drawn from my home equity line of credit ). They gave me instant credit and said the remainder would be available the XXXX. Upon checking on the XXXX, I see an administrative hold placed on the funds until the XXXX. On the XXXX I checked with the institution the money was drawn from and the money was drawn on the XXXX. I went back to the branch they advised to call customer service/, she couldn't help asked for a supervisor. My question was plain once you guys get the money from the institution that the check was drawn, will the hold be released the supervisor said no. She could not explain to me why if I made a deposit by check and the check was paid why do I have to wait an additional 10 days to receive the funds. I think at the very least the hold should be released once they receive the funds.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

( See attachments and supporting documents ) Equifax, XXXX, XXXX shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file