davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX ( XXXX ) XXXXXXXX XXXX Re : XXXX FRAUD DISPUTES Identity Theft Resolution Professional XXXX EXT : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 I am writing to bring to your attention a matter of grave concern regarding the discriminatory practices I have experienced with XXXX XXXX XXXX XXXX , as well as the subsequent inaccuracies in reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to reasonable accommodations under the Americans with Disabilities Act ( ADA ) to ensure equal access to services provided by financial institutions. Despite multiple requests for accommodations, XXXX XXXX XXXX XXXX has failed to provide me with the necessary assistance, thereby violating Title III of the ADA. 

Specifically, XXXX XXXX XXXX XXXX has refused to allow me to make payments over the phone or in person at a branch, which are essential XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This refusal to accommodate my needs is not only discriminatory but also constitutes a violation of my civil rights under the ADA. Moreover, XXXX XXXX insistence on penalizing me for being unable to make payments through these inaccessible channels is further evidence of their discriminatory practices. 

In addition to the denial of accommodations, XXXX XXXX XXXX XXXX has also inaccurately reported my account status on my credit report. Despite the extenuating circumstances surrounding my inability to make payments, XXXX XXXX has failed to update my credit file accordingly, resulting in severe financial harm and further discrimination. 

Furthermore, XXXX XXXX failure to acknowledge and address these violations has forced me to seek assistance from Adult Protective Services due to ongoing victimization online, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It is imperative that XXXX XXXX XXXX XXXX rectifies these egregious violations immediately by : Allowing me to make payments over the phone or in person at a branch without penalty. 
Updating my credit report to accurately reflect the circumstances surrounding my inability to make payments. 
Providing compensation for the financial harm incurred as a result of their discriminatory practices and inaccurate reporting. 
Failure to take appropriate action to remedy these violations will leave me with no choice but to pursue legal action. I am prepared to seek remedies under Title III of the ADA, as well as any other applicable laws, to ensure that justice is served. 

I have also copied the Consumer Financial Protection Bureau for their attention to this matter. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

XXXX XXXX [ Enclosures : Documentation of XXXX, previous communication with XXXX XXXX, relevant legal citations ]
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 status incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is incorrectly reporting information to XXXX, XXXX  and XXXX. They are reporting to XXXX  that the open date on an account is XX/XX/XXXX and reporting to XXXX and XXXX  that the open date is XX/XX/XXXX. I've disputed this account with all 3 bureaus since XX/XX/XXXX and they always report that the information is verified and accurate. How can it be verified with different account open dates? 

I have asked all three bureaus : XXXX, XXXX and XXXX  to provide me with a copy of an original contract with my signature to prove I indeed have an debt with Wells Fargo and that the information they are reporting is accurate. Neither of these companies ever sent me any proof or documentation to verify what they are reporting was accurate which is a FCRA violation of my consumer rights. 

The company has also listed this account on my credit report as a charge off but still reporting the account late each month and further damaging my credit history and preventing me from being able to obtain credit and start my business, purchase a car or buy a home. If the account is charged off, its already a derogatory remark on my file and should not continue to be reported as a charge off and late on my credit report each month. That is a FCRA violation and I demand this account be deleted immediately from all three bureaus and levy any fines deemed appropriate against this company under FCRA and FTC guidelines.
Consumer complaint received 2023-11-30
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-17
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)

See Attachment I have Disputed the inaccurate information with TRANSUNION, XXXX, XXXX and they have failed to uphold their duty. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 containing any of the following items of information Any other 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-06
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. (TX)

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

The letters are stated with items and issues. 

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 containing any of the following items of information Any other 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-14
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: ID Analytics, Inc. (FL)

sagestream has some inquiries on my report that are not mine. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX, XXXX- XXXX   XXXX  XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX- Mortgage Cos. 
XXXX Inquiry from XX/XX/XXXX, XXXX- Real Estate Sales/Rent XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX XXXX Dealer S Inquiry from XX/XX/XXXX, XXXX- Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Auto Financing Consumer XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX Auto Financing XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Automobile Dealers, XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX # Inquiry from XX/XX/XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
Factual Data Inquiry from XX/XX/XXXX, XXXX- Miscellaneous Reptg.  Agencies Ccb/ppc Inquiry from XX/XX/XXXX, XXXX- National Credit Card Cos . 
XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX National Credit Card Cos . 
XXXX XXXX XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX- All Banks XXXX XX/XX/XXXXInquiry from XX/XX/XXXX, XXXX- these inquires are not mine
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I applied and received a CAPITAL ONE XXXX credit card around XX/XX/XXXX the terms were when i spent {$500.00} within 90 days I would receive a {$200.00} credit on this card,. 

I spent the {$500.00} within the time period, but they refused to give me the {$200.00} credit. 

I called customer service and they said my card did not qualify for the credit. The literature indicated this card would receive the {$200.00} credit. No one ever told me by voice or letter that I would not receive thias credit. That is why I applied for this card. ( called around XX/XX/XXXX and again on XX/XX/XXXX they violated the terms of our agrfeement, so I closed the account. I currently have a balance of {$200.00} on this account that I must pay.
Consumer complaint received 2020-01-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NJ)

I am writing to request your help. My rights and credit have been affected by this issue on a late payment for XX/XX/XXXX with Honda Financial. My account information is AMERICAN HONDA FINANCE. Account # XXXX. Opened XXXX XX/XX/XXXX. Original balance : {$11000.00}. 

I did not receive any statement with a due date at all, I called their customer service on XX/XX/XXXX and they stated they only allow XXXX method at a time. They said that my, account got enrolled in email statements back in XXXX. I dont remember enrolling the account online. I have not been able to access my email since XXXX of XXXX because it was hacked. 

I have already tried to fix this with them in different ways including a goodwill letter I sent to them on XX/XX/XXXX, they did not even investigate or mark the account as disputed per FCRA regulations. This is preventing me to purchase a home and it is not even my fault, nor a financial issue. I really would appreciate your help since this is causing a big impact on my Credit Report. 

I demand a deletion letter from Honda. If they refuse to provide me this, I will not hesitate filing a lawsuit for the following violations : unfair business practices, negligence, failing to provide late notice and some other violation that will come once I talk to my attorneys.

See attached : - Documents sent to Honda - Proof of funds ( this was not a money issue ) - Proof of email hacked Thanks to whomever reads my complait.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A Bank of America checking account was opened fraudulently in my name. This account was opened in XXXX of XXXX. I discovered the accounts existed XX/XX/XXXX because I received an email that this account was now opening a digital debit card. When I discovered this information and realized I was a victim of identity theft I immediately reported the fraudulent activity to Bank of America, all three major credit bureaus, social security administration and here at the cfpd.
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-08
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. (NJ)

XXXX XXXX put several lates on my account. I had automatic payments scheduled. They are such a large company. I called several times and they said that they would update my account and apologized for the late reporting and they would correct. Now its been several weeks and no respose not even a letter to update. I contacted the credit bureau and they never even sent us a letter with the status its been over 3 months, I need help with this. I pay over 2500 a  month at XXXX XXXX. They are amazing with service and I feel that they overlooked my requests. I have auto matic payments please help to update my credit report
Consumer complaint received 2024-03-14
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (TX)

I used a debt consolidation company from an advertisement that I got in the mail to reduce my credit card debt named " Freedom Debt Relief ''. 

I paid them {$2800.00}. They charged me more in FEES ( {$1400.00} ) then actual reduction in my debt ( {$1400.00} ). I cancelled my account with them on XX/XX/XXXX after starting on XX/XX/XXXX. 

They charged me {$1300.00} in XXXX legal fees in the amount of {$960.00} ( XX/XX/XXXX ) and {$370.00} ( XX/XX/XXXX ). They were " Settlement Fees '' which I DID NOT agree to before the charges. I found out only after the payment plan was settled. 

In addition to the {$1300.00} in legal fees, they charged me a total of {$100.00} in monthly fees ( which I was never informed of when I signed up to their program ). After 8 months of being ripped off, I cancelled.
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp. (IL)

Requested verification of debt. Did not receive any response within appropriate time. I told them that I have not received the verification of debt, but they keep on harassing me. 
At TrueAccord Corp., we understand that money might be tight right now. Just tell us about your circumstances or set up a payment plan that works for you to pay your {$1600.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX ( XXXX ) account ). 

Even if you can't pay, we need to hear from you soon. 


Do what you can This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 


Copyright 2023 TrueAccord Corp . 

XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( XXXX XXXXXXXX ) Office Hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXXXXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. 
Unsubscribe Dispute this debt Privacy Policy Log in to your account We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. 

This was originally an account with XXXX XXXX XXXX ( XXXX ), account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/XXXX_glb
Consumer complaint received 2020-01-12
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. (CA)

fraudulent accounts 1. XXXX XXXX/XXXX XXXX ( XXXX XXXX , XXXX XXXX Is the issuer ) Balance : {$14000.00} Acct # XXXX XX/XX/XXXX Open date : XX/XX/XXXX 2.  XXXX CARD SERVICES ( XXXX XXXX Credit Card ) Balance : {$13000.00} Acct # XXXX Open date : XX/XX/XXXX 3. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$6000.00} Acct # XXXX Open date : XXXX XXXX XXXX. XXXX/XXXX XXXX ( XXXX is the issuer ) Balance : {$780.00} Acct # XXXX XX/XX/XXXX XXXX. XXXX XXXX/XXXX-Credit Card ( Issued by XXXX ) Balance : {$5800.00} Acct # XXXX DXX/XX/XXXX
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I was traveling and was scammed by a vendor on the beach on XX/XX/. I bought two drinks and was charged {$870.00}. I immediately called Bank of America to open a fraud claim. They denied it on XX/XX/XXXX. I called again and opened another claim. They denied it again on XX/XX/XXXX. The bank told me that the vendor had proven that I had approved the purchase, but it was not my signature and I'm sure if they were to actually look at the receipt it would be very obvious that it was a scam. Two drinks obviously do not cost {$870.00}.
Consumer complaint received 2020-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Comenity regularly deceives customers to collect undue fees and interest on its POS credit card products. 
The stream of consumer complaints is incessant - with new complaints posted weekly as you can see here : https : XXXX 
and here : https : XXXXcomplaints In my case, I was recently charged a late fee, despite making regular monthly payments well in excess of the minimum due payment. 

In my correspondence with the company, they avoid answering direct questions, and instead obfuscate and confuse by quoting irrelevant paragraphs of their terms and services agreements. 

I will attach our correspondence, if attachments are allowed by this online form. 

Most specifically : - my credit card was issued ( at web POS ) on XX/XX/2019 - I made regular monthly payments of {$120.00} every month no later than the XXXX. 
- I was assessed a late fee of {$27.00} on XX/XX/XXXX. 
- The company would not explained how and why that fee was assessed. 

With you help, I would like to prevent them from extorting and exploiting more customers, as they continue to do regularly and on a large scale. 

Thank you.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Items that need to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$40000.00}