davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like my late payments to be removed from my credit report. I was going through a tough time in which I couldnt make on time payments due to being in school and having too much going on personally. It would be greatly appreciated.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XX/XX/year> I filed complaint # XXXX against XXXX for failing to abide to the federal law COPY OF MY REPORT again XX/XX/year> submitted more documentation to prove XXXX responses to be frivolous and delaying time SEE THREAD as of now open company reviewing and delaying, attached new documentation that there responses etc SEE ATTACHED there response and my request they have identified me as we FLAGED MY ACCOUNT AS A VICTIM OF FRAUD ( I HAVE NEVER BEEN A VICTIM AND NEVER REQUESTED A FRAUD ALERT ON MY ACCOUNT ) I only requested a consumer Statement to prevent future fraud, XXXX in whole as deliberately put a fraud alert on my account knowing the obstacles etc preventing throwing up flags to question anyone to extend credit in my name SEE DENIAL TO EXSTEND CAR LOAN BECAUSE OF THIS then they pound me with there paid service to boost my score and tailor to my likings and results at this point I have nothing to dispute and or know what's correct and not because as of today XXXX I STILL HAVE NOT RECIEVED MY REPORT
Consumer complaint received 2020-10-01
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: ENCORE CAPITAL GROUP INC. (PA)

MCM # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Original Account # : XXXX XXXX  : XXXX XXXX Credit Card I filed for bankruptcy on XXXX/XXXX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.
Consumer complaint received 2020-10-01
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. (CA)

I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account : Name of company that reported the late item ( XXXX XXXX XXXX  ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT ( PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). When XXXX XXXX XXXX as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their
Consumer complaint received 2022-11-09
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. (IL)

I am submitting this CFPB complaint to request to the Credit Reporting Agency to remove the reported address from my Credit File since these addresses are not my legal address. I never received any mails in this address and and must be removed as soon as possible. Once again, I am requesting that you remove the following address as soon as possible :
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (SC)

XXXX procedures were paid upon receiving the work. Both instances, the office manager presented me with a bill before the procedure and I signed and agree to pay the same day. The statements sent by the collection show my payments, but it also shows other charges I never agreed on. Also, the dates are incorrect and after paying both bills in person the same day of dental work, never returned to the clinic for any other work.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2020, I tried to make a purchase on line, however the transaction was declined because i made a mistake when providing my address which is linked to the card. Shortly after, i contacted the merchant because the funds appeared withdrawn from my account. The merchant provided clear proof that the transaction was declined by American Express. Although the transaction was declined by American Express and no authorization was given to the merchant, American express claims that the transaction is still pending and won't release my funds back into my account. American Express have engaged in Florida 's Unfair Business Practices. American Express are holding these funds to enrich themselves to make money on interest. There is no excuse for them to hold these funds when the transaction was declined. I have attached an email from the merchant confirming that the transaction was declined and never authorized.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$0.00}, {$0.00}, {$1600.00}, {$620.00}, {$570.00}, {$3300.00}, {$430.00}, {$980.00}, {$1300.00}, {$1300.00}, {$2700.00}, {$1200.00}, {$1200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO LOAN OR LEASE 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$430.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following inquiries were not authorized by me. I believe these inquiries are fraudulent. I have been dealing with a lot of stress trying to figure out what is going on. I have already submitted an FTC report. I have called each of these companies and none of them can provide any proof that I authorized these. They are not helping me get these removed. I am out of options at this point. I am asking you to please get these removed as soon as possible as they are all fraudulent. I am trying to buy a house and this is hurting me. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (FL)

On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the Automatic Clearing House ( ACH ) Debit feature on my account despite the fact that I never authorized automatic ACH payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX ( usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic ACH payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This ACH occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic ACH payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an ACH transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXXXXXX XXXX XXXXXXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX XXXX  XXXX actually documented that the credit bureaus in fact reported to XXXX XXXX XXXX XXXX  that their was hard inquiries and low credit scores when I spoke with the credit bureaus XXXX, XXXX, experian I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY (WA)

Received a check from Wells Fargo Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which Wells Fargo Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to WFargo closing my account for no reason in the first place. 
It states that Wells Fargo has requested an update to my XXXX XXXX XXXX consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. 

I will gladly mail you the letter and check.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXX XXXX  XXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX XXXX XXXX actually documented that the credit bureaus in fact reported to XXXX XXXX XXXX XXXX  that their was hard inquiries and low credit scores when I spoke with the credit bureaus XXXX, Equifax, XXXX I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I refinanced my home with Rocket Mortgage in XXXX. They charged my escrow for home insurance in both XX/XX/XXXX and XX/XX/XXXX but I was canceled for non payment! According to XXXX XXXX, they were never notified by Rocket Mortgage that they were the new lender and because they did not do this they sent the wrong payment amount in XX/XX/XXXX ( {$1300.00} approximately ). XXXX refunded the premium to XXXX XXXX ( previous lender on file ) and canceled my policy. Rocket Mortgage again sent a premium from my escrow in XX/XX/XXXX in the amount of {$1500.00} and it was again refunded to XXXXXXXX XXXX Sadly, i had damage from a windstorm in XXXX of XXXX and when I called XXXX I was told I had been canceled more than a year ago and had no coverage. I then called Rocket Mortgage sure that this must be a mistake. They admitted the mistake in several phone calls between myself and XXXX. Apparently a calamity of mistakes on both sides. Now Rocket Mortgage is placing me with a lenders insurance policy at twice the rate and charging me a premium for XXXX when I was not insured as well as XXXX. That is just wrong. I have tried filing a claim with their lenders insurance for my roof damage and still have no policy although I have been notified of the exhorbitant premium that will be added to my mortgage. I can not afford my mortgage to be increased nor do I have the premium they are charging me. I am afraid that at the end of the year they will raise my payment to where I can not afford it and then try to foreclose on my home! I paid my premium. They require me to pay through escrow and I trusted them to make my premiums therefore insuring that my homeowners is paid and in effect. Not only are they forcing me into a policy I can not afford but they have ruined my chances of getting coverage elsewhere for 2 reasons. XXXX I was canceled for non payment and had a lapse in insurance for over a year. XXXX I need to replace my roof before anyone will insure me. I also am still trying to locate the missing premiums that I paid from my escrow account.
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (FL)

I am so stressed that Experian is reporting false information. Investigation took more than 30 days and they are breaking the law by failing to respond to my dispute.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Bank Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX  XXXX Account number : XXXX 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 an account without my written consent. 

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 then Records of convictions of crimes which antedates the report by more then 7 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 the information is in accurate. 
This isnt not the first time, the three credit bureaus Experian, XXXX and XXXX have violated my rights. 
XXXX never responded to my certified INVESTIGATION letter I sent over 45 days ago. 
This is the second investigation I have had in 3 months, one online, one via certified mail. Neither solved my issue.
Consumer complaint received 2022-11-09
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: DISCOVER BANK (FL)

In accordance with the tair credit Reporting act XXXX Account ending # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.