davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (TX)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed serveral collection accounts on my credit report multiple times. This company continues to " Verify '' the debt, however, provides me with no proof. In addition, I contacted the collection agencies, and either received NO response, OR they are Unable to provide me with Validation or Verification, OR they send me a Completely Different person 's medical information. How are they continuing to report inacurate defamatory information and on top of that, violate someone's HIPAA rights?

I have attached a confirmed deletion letter from XXXX, an example of the UNABLE TO LOCATE responses I have received from the collectors,
Consumer complaint received 2023-01-06
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. (TX)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 2020-04-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (CA)

We have filed a report previously. The company told CFBP that everything was taken care of. It is nowhere near resolved. 

Statebridge company has proven to be the most impossible company to work with in the entirety of our adult lives. We call them and they hang up on us, give us the run around and are rude and uninformed. We pay and they hold on to our checks for weeks and then report our payment as late to credit bureaus. They have single-handedly ruined our credit. 

It is impossible to pay this company. If you call you are on hold for upwards of an hour and when they answer ( IF they answer! ) they hang up on you. They even call me to retrieve payment and when I answer and they switch me to an operator, they hang up on me! 

Because they are marking my payments as late, I am not allowed to pay online. No phone payments because of the reasons listed above, no online payments because they are marking my payments as late and no mail payments because they hold onto my checks and process as late. I am at my wits end and very close to hiring a financial lawyer. 

After our last claim with CFPB, Statebridge contacted us immediately and allowed me to make a payment in full over the phone, which meant future payments could be made online. I checked my account a week later and they said I was behind by {$120.00}?! How is that possible when they gave me the amount to pay? Now I am no longer allowed to pay online because I am considered behind. I have emailed and called them several times to no avail. I can not show up in their office because they are several states away. 

XXXX is the company that is above them and they are no help, either. I have told them several times my complaints and they have told me several times that they were working to send my loan to another company. That have been about four months now with no results.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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. 
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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 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 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 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

You are reporting an account that is not mine on my credit report. I sent a dispute letter and affidavit to the credit bureaus and the creditor on XX/XX/2023 which was over 8 months ago. XXXX was the only credit reporting agency to remove XXXX XXXX XXXX. Please be advised that this matter is being handled by a firm, and my lawyer is currently reviewing the situation to ensure that all appropriate legal actions are taken. I kindly request that you update your records to reflect the accurate status of this account and cease reporting it under my name. Please see the attached dispute letter, which is dated, and time stamped and remove this account pursuant 15 usc 1681a.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MN)

I was using XXXX money transfer on XX/XX/XXXX and mistakenly used the wrong phone with the write name. Typed XXXX instead of XXXX. 
Wells Fargo said they can't help because the transaction went through. I tried telling them there was an error in the number and the money went to a person I don't know but they said they couldn't reverse the transaction. They expect me to call the person myself.
Consumer complaint received 2020-06-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OH)

I was approved for a loan of {$500.00} XX/XX/2020. My agreement shows the payment dates extended into next year equaling to {$3300.00}. I have had about four payments taken out my account equaling to {$530.00}. 

XX/XX/XXXX {$85.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} I emailed customer support to see what my remaning balance is based off the payments already taken out and the response was this : " Thank you for your email of XX/XX/2020 in which you inquired about the current payoff amount due in order to settle your loan with BetterDay Loans completely. Upon checking here, you are following our Default or Scheduled Payment Option. And you are paying your loan in a number of installments equal to your payroll frequency over a years time. This option is reflected in the Payment Schedule section of your loan agreement. While this option may be more expensive, it offers the benefit of a fixed schedule. A small portion goes to your Principal and the rest to your finance fee. This is not mandatory to follow. You can pay off your loan anytime. 

The amount required to pay off your loan in full as today is {$490.00} finance fee not included. PLEASE NOTE, however, that this payoff amount is only valid for today from the time of this email. 

Please remember, you can also make a partial prepayment by paying {$20.00} or more, in addition to any scheduled payment by contacting BetterDay Loans three days prior to a scheduled payment. The additional amount that you pay will reduce your principal balance due and thus reduce the number of payments remaining ( but not the amount of each payment ). 

We also remind you that BetterDay Loans never charges any prepayment penalties on partial or complete early repayments and repaying your loan early can greatly reduce the costs associated with this form of borrowing. As such, prompt repayment of your loan will reduce the costs associated with borrowing and is recommended. '' I asked them where is the {$530.00} going if its not going towards my balance. I shouldnt have to keep paying if the payment is already at my loan amount.
Consumer complaint received 2020-06-12
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. (FL)

See attatched Letter dated XX/XX/XXXX XXXX Equifax XXXX Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched XXXX C DEBT XXXX 3 ) XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation XXXX XXXX STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) XXXX DIFFERENT ACCOUNT NUMBERS???
Consumer complaint received 2020-04-13
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capitalone credit card # XXXX access denied via internet. Required a new password and verification ask for the phone in US that I do not have. Presently due to the corona virus I am in XXXX and the country That does not allow any travel. Anyway my presence in US would not Make not a difference since I am using phone of my daughter when in US.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (MI)

This is my follow up request about my unauthorized inquiries. The credit report showed credit inquiries by your company that I do not recall that I authorized it.. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries deleted from my credit file immediately because it is making it very difficult for me to acquire credit loan or any transaction.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Formal Complaint Regarding Misleading Credit Reporting Practices by Capital One Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Capital One concerning their misleading and erroneous reporting of my credit information. My name is XXXX XXXX, and I am a customer who opened an account with Capital One in XX/XX/XXXX, which was subsequently closed later that same year. 

The issue at hand revolves around a collection of {$300.00}, which I paid off on XX/XX/XXXX, after speaking with a Capital One representative. During our conversation, the representative assured me that upon payment, I would receive a letter confirming the deletion of this collection from my account. Furthermore, they assured me that their team would remove this collection from my credit report. 

However, despite my compliance with their request and assurances, Capital One has consistently reported false collections on my credit report year after year. These inaccurate reports have falsely indicated that I am behind on payments by 30 days or 150 days, despite the collection being resolved. 

Moreover, in XX/XX/XXXX, Capital One reported the account as closed, even though it had been closed for over four years at that point. Additionally, they continue to assert that I owe them money, despite all financial obligations being settled. 

Furthermore, the relentless daily calls from Capital One only exacerbate the distress caused by their inaccurate reporting and undermine my financial stability and peace of mind.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm genuinely perplexed. No matter how many times I assert that I'm the one behind this letter, it seems the message is continually overlooked. Let me clarify : I'm the individual instigating these disputes under my own name. However, this particular item is unfamiliar to me. I fail to comprehend why you're labeling these as fraudulent or posing a high risk. The documents I've submitted are authentic, they're mine, duly filed with the appropriate agencies, and they support my stance. Let 's set the record straight!

Firstly, I'm aware that under FCRA Section 619, obtaining information under false pretenses carries severe penalties. Any individual knowingly and willfully obtaining information on a consumer from a consumer reporting agency under false pretenses may face fines or imprisonment, or both, as per Title 18 United States Code. 

Crucially, I have never shared my documentation with anyone else, which seems to be the basis for the claim of high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ), if a consumer reporting agency reasonably determines that a dispute by the consumer lacks sufficient information to investigate the disputed information, they may terminate the reinvestigation.

Furthermore, under 617 Civil liability for negligent non-compliance ( 15 U.S.C, 1681o ), any person negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer for actual damages sustained as a result of the failure, along with the costs of the action and reasonable attorneys fees in the case of any successful action to enforce liability under this section. 

Here is the list of items that are unknown to me : 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 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the Indiana Bar Association. I am being forced as a single dad of a XXXX XXXX   son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (UT)

ComenityBank/Victoria Secret is reporting a XX/XX/2020 & XX/XX/2020. late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.
Consumer complaint received 2024-01-10
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX and XXXX XXXX has for a long time said that I have too many accounts that I have been late on payments. I have never been late with a payment with them or any other creditor. My account with them is now close and I owe them nothing. I would like for them to not have access to my credit because there is a freeze there and I owe them nothing. 

XXXX  XXXX has reported to my knowledge that I am using over 100 % percent of my credit with them. and owe over XXXX USD on my total available credit. This was true but now has been changed to I owe {$74.00} of {$500.00} credit line. I think that is incorrect and needs to be updated to the credit reporting agencies. 

Please if you need any more info let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX
Consumer complaint received 2020-06-12
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: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXX {$3500.00} DEPTEDXXXXXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}
Consumer complaint received 2022-05-21
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)

I saw copy of my credit report and there were accounts which is not mine. 
I believe that. I was victim of identity theft, I am requesting that the items be blocked to correct my credit report. Enclosed are copies of identity theft and proofs of my identity supporting my position.