davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX, I submitted a complaint to CFPB regarding Transunion 's inability to provide me ( the consumer ) with the method of verification used to verify an erroneous bankruptcy on my credit report. The complaint was filed because after attempts on XX/XX/XXXX and XX/XX/XXXX, Transunion failed to provide me any information on how this information was verified or who would've furnished this false information to them. They merely stated it was verified and this has remained on my credit report without explanation. 

On XX/XX/XXXX, Transunion responded to the XX/XX/XXXX CFPB complaint stating that they would get back to me in 30 days to inform me of how they planned to resolve this issue and/or provide me with their method of verification used. It is now XX/XX/XXXX, past 30 days, and I still have no answer as to how this erroneous information ended up on my credit report. 

At this point, this erroneous and unverified information needs to be deleted from my credit report immediately. 

Refer to CFPB complaint ID : XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

I am writing to vehemently dispute the validity of a collection account appearing on my credit report, which was allegedly reported by AWA CollectionsXXXX. It has come to my attention that the inclusion of this account has had detrimental effects on my creditworthiness and financial standing. 
Upon thorough examination of my records, I have found discrepancies regarding the alleged debt referenced in the aforementioned collection account. Despite diligent efforts to obtain validation and verification of this debt, AWA Collections agency has failed to furnish any substantiating documentation or evidence supporting its legitimacy. 
Furthermore, I must emphasize that the inclusion of this erroneous collection account on my credit report is not only inaccurate but also constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Therefore, I requesting that the CFPB can help facilitate the matter and AWA Collections agency promptly removes the disputed collection account from my credit report within the next XXXX business days.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (TX)

I alerted the company ( MONEYLION ) that someone opened an account fraudulently using my information. They acknowledged through their investigation that indeed the account was opened fraudulently. It was initially opened in XXXX and I alerted them. Even after they found out that its fraud they are still reporting it to the credit bureau and its showing me 60days past due. I need them to stop reporting it and remove my information from this account.
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (ID)

I made two purchases XX/XX/XXXX {$160.00} and XX/XX/XXXX {$140.00} totaling {$300.00}. They sent me my first bill XX/XX/XXXX stating I was past due charging me a {$29.00} fee. They also state a previous balance of {$270.00} which is incorrect, I havent used this card in over XXXX XXXX  prior to this. Stating my balance is {$480.00}, nothing is adding up. They want {$70.00} by XX/XX/XXXX. Im being scammed.
Consumer complaint received 2021-07-29
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: Informative Research (DE)

- Informative Research pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Per XXXX at XXXX XXXX XXXX Ph # called and gave me ID # XXXX. She stated that the file is in litigation status and that they have filed a civil suit againist me. When I requested to get the debtors information she declined information several times. She transferred me to another Rep whom gave me the information for Bank of America and gave me a number. I called Bank of America and they advise that that Case Manager XXXX would help me. I spoke with XXXX whom advised that she was collecting on a debt from 2008 I advise that the statue of limitation for collection has been exceed and she went to say that they had the right to continue to sue me for {$6700.00} for a credit card that I am not even aware that I had. I asked for more information but they wanted to just continue to ask me for my personal information such Social and DOB and address.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OH)

[ 1 ] On XX/XX/XXXX, I purchased airline tickets using a Chase credit card, paying {$3800.00} in total, with {$3000.00} charged on the card and {$830.00} paid with XXXX Chase Ultimate Rewards points ( Exhibit # 1 ).

[ 2 ] Subsequently, the flights were cancelled, and on XX/XX/XXXX, I received a notice from Chase stating that I will get a refund for the flights in the amount of {$3000.00} and XXXX points ( Exhibit # 2 ).

[ 3 ] On or around XX/XX/XXXX, I received a check from Chase in the amount of {$550.00} that seemed to be intended for a refund for the portion originally paid with Chase Ultimate Points ( Exhibit # 3 ). I deposited the check upon receipt.

[ 4 ] Since then, I have contacted Chase customer service more than a few times requesting the refund of : a ) {$3000.00} that was originally charged on the credit card and a refund for which was promised in the notice from Chase mentioned above. 
b ) {$270.00}, the difference between the value originally paid with Chase Ultimate Rewards ( {$830.00} ) and the amount of check that I received in XXXX ( {$550.00} ) that is mentioned above. 
However, by XX/XX/XXXX, I have not received such refunds.
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/19 @ XXXX from XXXX states calling from portfolio recovery I received a call, agent identified herself and the company. I ask her to remove my number she told me she could not do so. I then asked her to cease & desist all calls to my number and gave her my number. She said she couldnt do so and ended my call. 
XX/XX/19 @ XXXX from XXXX another call and I answered and stated to cease calls before I heard a voice then they hung up XX/XX/19 @ XXXX from XXXX agent stated from portfolio recovery I asked her to cease all calls and she said she couldnt do so until I told her who she was speaking to. I again asked her to not call my number. She hung up.
Consumer complaint received 2024-03-12
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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CO)

XX/XX/2019 I was at Home Depot and was told I would save XXXX dollars off my purchase that day if I signed up for a credit card. I agreed to do that and paid the remainder I owed on the bill with my debit card. I left the store believing my debt was paid in full. 

Now I have received a credit card bill for XXXX and being threatened with interest charges for a credit card I have never used and was not told that I was going to have that debt. I was frauded and misled, and I don't appreciate it at all what so ever. I was lied to, mislead, frauded by XXXX XXXX.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Hello, I have noticed my Equifax score is 50-60 points lower than my other bureaus. I then noticed that XXXX XXXX XXXX XXXX ( XXXX ) is reporting that my first date of major delinquency is reporting asXX/XX/XXXX and is still reporting as open. The account seems to be updating monthly as a new delinquency sinceXX/XX/XXXX This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with Equifax ( see attached dispute ) and received the results as accurate oXX/XX/XXXXI called XXXX onXX/XX/XXXX and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through Equifax and not XXXX. I then called Equifax and was told the opposite and that XXXX verified the dates. I feel XXXX is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through Equifax that were returned as verified. There is also an image where XXXX is reporting the first date of major delinquency as XX/XX/XXXX and as open.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have opened several disputes regarding incorrect reporting for XXXX years for XXXX and XXXX Account # ending XXXX, that was closed by the merchant in XX/XX/XXXX, due to the store closing. The account was never late since it was opened in XXXX. In XXXX I called the merchant to request a settlement for the balance since the account was already closed, and I was approved and made the agreed payments on time. The final payment was made in XX/XX/XXXX, as agreed. It appears XXXX XXXX has been reporting the account as a charge-off due to delinquent payments even after I have provided all pertinent documents to prove the on-time payments, including receipt of payments for XX/XX/XXXX thru XX/XX/XXXX on bank statements, company statements, and also the many letters I have received from XXXX XXXX with conflicting account states of both never late and past due which I have included again in this complaint as well of my current credit reports from XXXX reporting excellent payment history but still reporting late payments, and TransUnion reporting the account with XXXX information and delinquent. When I spoke to a XXXX XXXX XXXX at XXXX XXXX regarding Case # XXXX @ XXXX XXXX XXXX, I was advised XXXX # XXXX was sent to all three credit bureaus reporting no late payments. Settled prior to charge-off with XXXX rating, however I received a letter dated XX/XX/XXXX, showing when I agreed to the settlement the account was past due, which was incorrect. This error has continued to affect my credit worthiness, and I have not been able to secure a loan causing a hardship. I would like the issue to be re-investigated and be forwarded information from the investigation ex. dates of late payments that proves the delinquency and resolution. I would also appreciate the reporting be corrected once and for all. Please refer to CFPB complaints XXXX, XXXX, XXXX from XX/XX/XXXX. Thank you.
Consumer complaint received 2024-06-06
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Consumer complaint received 2023-03-01
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-14
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. (GA)

I pulled my credit report and noticed several inquiries that I did not authorize. I sent in a letter to have the sources investigated to Equifax. Ive called in and the results are always given within 3/4 days, which is not enough time to investigate. The following are the inquires I am disputing : XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/. I have contacted the original creditors and they have no record of my information.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

After obtaining the method of verification from all three credit agencies, in which they all said XXXX  XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.
Consumer complaint received 2021-07-29
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. (TX)

not mine : FCRA violations remove the XXXX that's not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} XXXX Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Account charged off. {$1700.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Collection account. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Account charged off. {$190.00} written off. {$190.00} past due as of XX/XX/XXXX. 



Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex see attachments for the evidence that makes this a curtain call
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I discharged a loan with Citizens One Bank for my XXXX phone on XX/XX/2017. The bank continues to send collection notices. After a complaint to the CFPB, Citizens One says they never received the upgrade payment from XXXX and that *I*, the customer who paid the loan off, am on the hook for the upgrade payments. 

Or, at least I think that's what Citizen One says. They continue to send debt collection notices for the loan that I paid off. 

XXXX, meanwhile, seems to owe {$260.00} for the upgrade that was never paid to Citizens One. 

No one at XXXX responds. No one at Citizen 's One has returned my call seeking clarification. 

This debt was paid by the consumer. This debt involves two companies -- neither of whom seem to understand what happened, neither of whom are responsive to calls and inquiries. 

I request intervention. I request explanation from XXXX and CITIZENS ONE. I request that the upgrade money be paid to the bank so that this loan in my name can be closed as I met all my payments. 

XXXX is the world 's most valuable publicly traded company. Together with CITIZENS ONE they offer telephone upgrade loans. Mine has been paid off for two years. But, apparently, when these loans get confused there is no company that considers itself responsible for the mistake or responsive to its consumers. 

CITIZENS ONE sent a confusing and non-helpful response to a previous complaint that did NOT GIVE INSTRUCTIONS on how to settle this loan with XXXX an CITIZENS ONE. I have called to complain and written the CFPB to continue the complaint but have received no response at all