davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (FL)

I have sent several times to Experian letter to remove a bankruptcy that's not mine and they have failed to do so. All other credit bureaus have already deleted this information. I got a letter from the courthouse saying they did not send that information to Experian. I will include proof of that, please remove this from my credit : Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Consumer complaint received 2022-11-12
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights : Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-12
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. (SC)

In accordance with the Fair Credit Reporting Act Convergent accounts below have violated my rights : Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX OF XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to file a formal complaint against XXXX and TransUnion, two of the major credit reporting agencies, for their failure to accurately report my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute incorrect bankruptcy information listed on my credit reports provided by XXXX and TransUnion, both agencies have unjustly verified this information, directly impacting my ability to secure loans, credit lines, housing, and employment opportunities. 

According to my understanding, the FCRA mandates consumer reporting agencies to ensure the maximum possible accuracy of the information included in consumer credit reports. It also requires these agencies to conduct a thorough investigation of any disputed information upon receipt of a dispute from a consumer. Unfortunately, XXXX and TransUnion have failed to uphold these obligations. 

Furthermore, I have confirmed with the bankruptcy court in Virginia that they did not furnish my bankruptcy information to any credit bureaus, raising serious concerns about the source and verification process employed by XXXX and TransUnion. XXXX, another major credit reporting agency, does not report any bankruptcy information on my credit report, indicating a discrepancy in reporting and a failure by XXXX and TransUnion to assure maximum possible accuracy as required by law. 

I respectfully request the CFPB to intervene and ensure that XXXX and TransUnion adhere to the FCRA by conducting a proper investigation into my dispute and removing the inaccurately reported bankruptcy information from my credit reports immediately. The persistence of this incorrect information infringes on my rights and hinders my financial well-being.
Consumer complaint received 2022-11-12
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-15
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: Experian Information Solutions Inc. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2018-01-21
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$1300.00} XX/XX/XXXX These account are fraudulent and I want them remove at once. I am a XXXX victim of identity theft and will be writing the state and government about this fraud because it is not right and I have already submitted police reports. I want these accounts removed at once.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-15
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. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION (KS)

In XX/XX/XXXX BBVA sent me a threatening letter asking for my attorney information and that they were ceasing communication with me. When I called to ask why this letter was sent and why they needed my attorney they could not find time to answer that question. The previous month and previous CFBP complaints they acknowledged and credited back late fees they erroneously had charged me based on their customer service. Since then I have received multiple letters with no additional insight and most recently they decided to lower my credit limit and/or close the card based on unclear/loose reasoning that appears to be targeting me since I questioned their process and filed with you, the CFBP. Today, XX/XX/2020 they received my payment for XX/XX/XXXX that did have a due date of XX/XX/2020, without any grace period to receive the payment they charged {$39.00} late fee on XX/XX/2020. Again, they seem to be quick to charge and quick to provide poor service are red line target the clients they want to have on their books.
Consumer complaint received 2022-11-12
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. (CA)

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

XXXX XXXX XXXXXXXX : account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting any of the following items of information, any 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coast 2 Coast Financial Group, LLC (IL)

Coast 2 Coast Lenders are denying me my rights to dispute a alleged debt with their company. On XX/XX/2022, I attempted to dispute the alleged debt that they are attempting to collect. On XX/XX/2022, I received the same dispute returned to my place of abode stating it has been refused. Contents of dispute have been included.
Consumer complaint received 2022-11-12
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. (CO)

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. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX PREAKNESS XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXccount Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AZ)

I had an account that appeared on my credit as a collection for a company I had previously done business with, it was a cable provider. I canceled my account and returned the equipment to the carrier and I found that they had sent me to collections even though I didn't have a balance and had returned all the cable equipment. When I saw the {$500.00} collection I initially disputed it with all three bureaus because I knew I didn't owe them. The account was deleted by XXXX and XXXX because the company could not provide proof of the balance they were trying to collect or where it came from, now it is being reported to XXXX and XXXX is refusing to do anything about this. I know that this information is incorrect and it is harming my credit rating. it was already deleted by the other bureaus because the collection company can not provide proof of where this balance came from and XXXX needs to do the same.
Consumer complaint received 2020-01-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I have been attempting to short sale my property for several months. I received a HUD Approval to Participate in a pre-foreclosure sale in XXXX. It took a few months to obtain an offer that meets the ATP terms, but one was finally received and faxed to Flagstar on XX/XX/2019. The assigned underwriter, XXXX XXXX, advised the file was selected for audit and should be completed by XX/XX/2019. That date came and went, but we have received no short sale updates. Worse, Flagstar is now refusing to take any accountability for receipt of the offer. XXXX adamantly asked that my agents stop contacting her via email for updates and only call to the account management team via phone. When they call the account management team, anyone they talk to, two agents now ( XXXX and XXXX ), both advise several times now that XXXX is the only person who can give an update on the short sale. While my agents have emailed XXXX back with the account management teams rebuttal that she is the only one who could provide an update, she has stopped replying to us all together and we remain completely in the dark. The buyers are requesting updates and I am concerned that Flagstar 's staff 's lack of accountability and games in pointing the finger back at one another will lose us this buyer and I will be needlessly forced into an avoidable foreclosure.
Consumer complaint received 2020-01-15
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)

inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT  XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}
Consumer complaint received 2018-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DC)

I have two mortgages with Wells Fargo. When I use their " Make a Payment '' function, I am able to pay one mortgage ( enter pay date, amount, acct from which the money is to be withdrawn ) without incident. And then when I try to make the 2nd payment, I get a " lost internet function '' message and that they can't process a payment at this time. 

This has happened several months in a row. I have no reason to believe that the loss of internet function is accurate. On two occasions, I forgot to complete my transaction later and incurred late fees as a result. I have also called their payment processing center to report this issue, but it continues nevertheless. Can someone please look into this? Thank you.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

On XX/XX/XXXX I was involved in a car wreck in my XXXX XXXX XXXX that I financed through bridgecrest via XXXX. The vehicle was fully covered with XXXX motor vehicle Insurance & gap coverage through XXXX. XXXX deemed the vehicle a total loss and issued their payment within weeks. As of today XX/XX/XXXX both companies covered the principal cost of the loan but gap took way longer than expected. Being that XXXX covered the vast majority ( over XXXX ) of the principal which was about XXXX, I was under the impression that gap would cover the remaining. Unknowingly to me bridgecrest has still been charging me the note that has now acclimated to over {$1600.00} for 3 months that it took for XXXX to cover the gap. My note was not behind prior to the accident. So this balance is still accumulating on a vehicle thats been totaled and no longer in my possession. When I tried to speak with representatives at bridgecrest they refuse to find a common ground. How am I being held responsible for a note on a vehicle that was deem a loss months ago? This seems like predatory lending. The principal has been paid in full at this point by XXXX XXXX XXXX but bridgecrest is still actively billing me for the note & charging late fees for this vehicle Ive been without for over three months now. I want to resolve this as soon as possible as the fees are still accumulating and my fear is that it will continue to negatively affect my credit.
Consumer complaint received 2023-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (SC)

I received an obvious scam letter in the mail from the company calling it Phoenix Financial Services on behalf of XXXX XXXX XXXX XXXX attempting to collect a debt for an unknown global medical response in the amount of {$1100.00}. There was no other information provided and I do not owe this debt.
Consumer complaint received 2020-01-15
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. (CA)

Experian has allowed another medical charge on my credit report, from the same collection agency named XXXX XXXX XXXX that I reported to the CFPB and on my Identity Theft report as reporting fraudulent information on my credit report. The charge on my credit report for {$400.00} is fraudulent and does not belong to me. Also, being that Experian is fully aware of my identity theft ( that I have reported to them over 5 times ) and which I am still working to resolve, they did not make me aware of this charge being placed on my credit report. I found out through trying check my credit report. I would like for Experian to please remove the fraudulent charge of {$400.00} from my credit report. Thank you.
Consumer complaint received 2020-01-15
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. (NY)

Due to Equifax Breach back in XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all XXXX major bureaus - XXXX, equifax and XXXX. In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN and DOB. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX Bank. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX and XXXX. Both companies - XXXXXXXX and XXXX - already took measure and removed these fraudulent accounts from my report.