davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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: Bread Financial Holdings, Inc. (IL)

In accordance with the fair credit Reporting act XXXX Account # 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 payment on a credit card account under an + open end consumer credit plan as late for anv purpose.
42.5K
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The credit bureaus will not fix the collections account for XXXX XXXX. I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX  letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.
Consumer complaint received 2022-05-24
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. (NC)

In accordance with the fair credit Reporting act XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXXXXXX XXXXXXXX ACCT # : XXXX, has violated my consumer 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.
Consumer complaint received 2022-05-24
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. (TX)

The credit bureaus will not fix the collections account for XXXX XXXX I have a letter from the company stating it is not a collection and it was paid in full yet it is still a collection on all 3 of credit reports. I have sent several letters to the credit bureaus and yet nothing is ever done or fixed. XXXX XXXX letter clearly states that if the credit bureaus have something else that I need to contact them, well I have and nothing is fixed. This was NEVER a collection account, it was an auto loan. I paid it off in XX/XX/2020.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I XXXX XXXX a consumer is still having problems with a Bankruptcy on my credit report. I have asked the several times that the bureaus show me how this information was furnished. They have yet to mark the accounts as disputed. The bureau has completely disobeyed the FCRA. They have not removed this account from my credit report. So, I'm requesting that all XXXX XXXX accounts on my credit be removed. 15usc1681 604a Section 2 states that a consumer reporting agency can not furnish account without, my written consent.
Consumer complaint received 2022-05-24
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. (GA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-24
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: Creditors Bureau Associates (AZ)

I, XXXX XXXX have been dealing with issues with XXXX having a debt collection that was not opened under my name and I have no business with this lender stuck on my XXXX credit report. I have reached out to XXXX and the XXXX LABS on multiple occasions where XXXX doesn't send any investigation results or updates pertaining to this account even after as long as 30 days. I have a FTC complaint # for this case XXXX and I am reaching out to the CFPB as XXXX and XXXX labs are in violation of 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impressions as to its source, authorization, or approval as you XXXX XXXX is stating that someone other than me a consumer in fact, is the creditor when I am the creditor.
Consumer complaint received 2022-05-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CO)

I submitted a fraud dispute to Experian in regards to a account by the name of XXXX XXXX XXXX The account is fraud and I provided Experian with a FTC report and police reports. 
On XX/XX/XXXX Experian allowed the company to place the account back on my credit.Experian failed to notify me of the fraud account was being added back and is required under the FCRA. 

I never was contacted by XXXX. I have tried to mail them my complaint and call. The phone is a joke to contact someone next to impossible and the reps who are answering barley speak English and do nothing to assist. They just inform you, that you dont have an account and they can look up anything by a account or social they want a phone number. I have gone round and round with them. 

I did not OPEN the XXXX account nor obtain goods or services from it. Im a victim of ID THEFT from a former friend roommate who used my info. 

Experian claims they got information the account is valid and not fraud, which is infact false. 

Under the FCRA I am asking and demanding to know what documention was used to verify this account? what where there methods and procedures used as well also want the contact nanme and phone information.

I submitted a FTC report updated, and a copy of a 2 page police report outlingin its fraud Companies and disagree with findings and not like the outcome because they are gon na lose out on profits. Experian also benefits by leaving the account as they are paid to have this listed on my file. 

Experian, needs to provide me within 15 days documents used to verify, methods used and contact information of who gave them that information.

The creditor also replied to Experian after 30days. The creditor has failed to give me ANY DOCUMENTS OR INFORMATION on this whatsoever.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Collection {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX Collection {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00}
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

The debt collector contacted me by mail on XX/XX/2022, and claimedI am responsible for a debt in regards to an apartment lease. The letter provided on this date claimed I owe a debt of {$2600.00}. I responded to this letter disputing the debt and requesting additional information as required by law. 
In response to my letter, I received additional correspondence on XX/XX/2022, restating the alleged debt amount of {$2600.00} and listing the original creditors information. This letter also mentioned a 2 % interest fee that is not outlined or agreed to in any of my contracts, or agreements. 
On XX/XX/2022, the apartment complex sent a final account balance to me via email. This invoice reflected a total outstanding balance of {$2600.00} which included an Early Termination fee of {$1700.00}. After much back and forth via email and phone, apartment complex representatives finally conceded that we should not have been charged for both the cancellation fee and the rent responsible fee. At that time the rent responsible fee was removed from the final account balance. 
On XX/XX/2022, an apartment complex representative sent a final account balance via email which reflected a total outstanding balance of {$1900.00}. This statement included an Early Termination fee of {$1700.00} and allowed for 30 days to pay any outstanding balances. Neither final account balance provided reflects the correct amount of the cancellation fee based off the Notice of Intent to Vacate signed by all parties on XX/XX/2022. 
A letter stating the above was mailed to the debt collector in XX/XX/2022. Included in this correspondence was supporting documents. On XXXX XXXX the debt collector sent another letter by mail stating that their duty to provide verification has been fulfilled and that they would not respond to any additional requests. To this day, they have not sent the correct total owed but continue to charge me interest. On XX/XX/XXXX, my husband contacted the debt collector by phone and was told the debt amount is valid. While on the phone, I logged into the apartment complex portal and am able to pay the lower amount directly without interest. Im confused why a debt collector is refusing to acknowledge that their amount is incorrect.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (FL)

I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. 1 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} 2 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} 3 ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} 4 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} 5 ) XXXX XXXX XXXX  : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} 6 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} 7 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} 8 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} 9 ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$3500.00}
Consumer complaint received 2021-03-11
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. (FL)

In late XXXX, a surprise adverse account was furnished to the credit bureaus ( XXXX XXXX and Transunion XXXX by a debt collector for a {$57.00} delinquent amount owed from XXXX to a radiology company. I was not ever informed of, nor do I recognize, this account. I have had good medical insurance and pay all my co-pays and deductibles at the office or when receiving bills. I have no other collection or adverse accounts reported on my file. I disputed the entry with all three credit bureaus and the debt collector quickly removed all notations. A few months later, the account appeared again under the name of a new debt collector. I disputed with all three bureaus : It was quickly removed. A few months later it appeared again under the name of a third debt collector. I've disputed and the notation was removed by two credit bureaus and XXXX says they are looking into my ( third ) dispute. I have informed the bureaus that this account, no matter the debt collector, is inaccurate. The debt collectors may be selling the account. The names of the debt collectors are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-01-10
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX )
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Experian after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$570.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Consumer complaint received 2022-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (SC)

XXXX Student Loan ( State SC ) - ( now loan moved to Aidvantage ) - I was mislead and told to go into forbearances. I owe {$71000.00} for a XXXX year in-state college ( XX/XX/11 ). This is an absurd amount. If there is anyway I can get or become part of the settlement. I was in forbearance as COVID-19 hit which is why I did not default on the loan. Any help would be appreciated.
Consumer complaint received 2024-03-13
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. (CA)

Hello, i just checked my credit report and i was shocked from the fact that i have a collection from XXXX XXXX XXXX on my credit report in amount of XXXX $ original creditor XXXX, ive never even had XXXX in my life and i do not have a contract with XXXX XXXX XXXX, i need to get this collection removed asap because im im the process of buying a house for my family now and this collection is really hurting me. Thank you in advance. 

Account number XXXX Date opened XX/XX/XXXX Amount XXXX XXXX
Consumer complaint received 2017-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CO)

I lost my job in XXXX. XXXX XXXX put me in collection then and statute of limitations is almost up. My job loss led to poor credit. EOS CCA has stated debt began in XXXX in order to try and collect a debt. They are dishonest and unethical. Please fine them for their dishonesty under federal statute. 

XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

Re : claim XXXX. 
I just submitted feedback which closed the claim. After submitting feedback, I checked my BSI account. They have credited me {$50.00} on XX/XX/19 but not the {$79.00}.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NV)

Last month there was fraud on our account due to XXXX Payment. We put freeze on our account and yet wells fargo still let another fraud payment go through. we opened a new account and closed old checking account, more than a month later another fraud transaction came through. Wells Fargo said that for 30 days transactions from old account still come through!!! Even if there fraud. Makes no sense and it's been more than 30 days. I spent XXXX hours on the phone with different departments not being able to help why fraud charges are still coming out of new account. They told me I would receive phone call a month ago from Wells Fargo and I never received any call from executive office regarding this on going fraud to my old and new account.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am with XXXX XXXX XXXX and we are working with a client to release a lien. The company in question however doesn't appear to be a functioning business. I was hoping you could find us the Successor to the company to try and request a lien release from them. The Company is called : ReconTrust Company, N.A. 
XXXX XXXX XXXX XXXX, CA XXXX '
Consumer complaint received 2022-05-05
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. (NJ)

1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

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

15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information other than records of convictions of crimes which antedates the report bemire than XXXX years. 

15 U.S.C. 1681S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX. XXXX XXXX XXXX XXXX. {$4700.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX {$390.00}