davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (FL)

[ Date ] XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Regarding Inaccurate Personal Information Reporting by XXXX I am writing to file a formal complaint against XXXX Experian and XXXX regarding the refusal to correct inaccurate personal information on my credit report. Despite providing appropriate documentation, specifically a copy of my driver 's license as proof of my correct address, XXXX has failed to make the necessary corrections. 

I have recently noticed that my credit report with XXXX contains an erroneous address, which is negatively impacting my financial standing. As a responsible consumer, I understand the importance of accurate credit reporting and the significant role it plays in various aspects of my life, including obtaining credit, securing housing, and even employment opportunities. 

To rectify this issue, I followed prescribed procedure by submitting a written request along with a copy of my driver 's license, clearly indicating my correct address. Unfortunately, XXXX Experian and XXXX each rejected my request without any valid justification, leaving my credit report with incorrect information. 

The refusal to correct my personal information violates several consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to dispute and request the correction of inaccurate information on their credit reports. Credit reporting agencies, such as XXXX, are legally obligated to investigate and correct any errors promptly. 

2. Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA provides consumers with the right to obtain and dispute their credit reports. It requires credit reporting agencies to maintain accurate information and investigate disputed items within a reasonable timeframe. 

3. Consumer Financial Protection Act ( CFPA ) : The CFPA empowers the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action against financial institutions that engage in unfair, deceptive, or abusive practices, including inaccurate reporting of personal information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate the actions of XXXX, and ensure that they comply with the aforementioned consumer protection laws. Additionally, I urge you to direct XXXX to correct my credit report promptly by updating my address to the accurate information provided. 


I appreciate your attention to this serious issue and request your prompt assistance in rectifying the inaccuracies on my credit report. I look forward to a favorable resolution and the restoration of my accurate personal information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3.

THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX   REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!
Consumer complaint received 2019-03-10
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: CONSUMER PROTECTION ASSISTANCE COALITION, INC (CA)

CFPB please investigate this matter I have been disputing this account for over a year XXXX  refuses to remove this account even when it was stated in a CFPB responce this is credit manipulation at its best I have contacted, XXXX  they still refuse sent them copy of enclosed still nothing I see that you refer it ti OCC but I never get anything done or hear back from them I'm not asking for you to do anything your not supposed to do but if the FCRA laws are being violated and they are by false reporting I would think you can enact on that, there own report shows violations No date of last payment, no date it was closed just those reasons are violations to be removed .I give you permission to investigate
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: CAVALRY INVESTMENTS, LLC (MI)

This debtors is trying to collect on a debt that was included in a bankruptcy filed XXXX years ago for a ticket issue for a house waste removable amount that I no longer own. The debtors got an illegal judgement that I never received any communication regarding a threat of wage garnishment. The debtors got my bank account information illegal without my consent and took money out of XXXX of my bank using false wage garnishment paperwork.
Consumer complaint received 2016-01-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

On XXXX/XXXX/2016 I proceeded to pay my online bill to American Medical Collection Agency located in XXXX NY. Since I am unemployed I sent up arrangement to pay {$20.00} monthly.as it stands I had a balance of {$650.00}. I paid {$20.00} which was the agreed upon amount that I set up with this collection agency. When I checked my bank statement on XXXX/XXXX/2016 this agency took the whole amount of {$650.00} from my checking account. My confirmation for paying the {$20.00} was XXXX. What sickens me is that I never received an email stating that my {$20.00} was accepted. This is fraud in the highest degree and consumers must be aware .i am requesting the this collection agency refund what is owed to me.
Consumer complaint received 2023-07-21
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. (VA)

Account # XXXX I have disputed this account on Experian as I never signed up for this XXXX XXXX. 
In my online dispute, I stated the inaccuracies on this account such as an address that is not mine also the last name is different from mine. 

XXXX has sent me a letter which I will attach along with statements to my home all of which I never requested, which have someone else 's information on them I will also attach. 
This is negatively affecting me, as I have always had A+ credit.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (OK)

I've spoke with Wakefield and Associates four times to have three medical bills removed from my credit report. They were made in error by XXXX XXXX. XXXX requesated them to be cleared from my credit report and Wakefield has refused to provide me with any information to show they have complied. The last time I spoke with an agent with Wakefield she placed me on a ten minute hold then told me " We have a process and hung up on me. ''
Consumer complaint received 2022-12-14
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. (MI)

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX  I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (VA)

CB/XXXX. I have had this account for like 6 years. I use it and I pay it on time regularly. 

On XX/XX/XXXX, I called in and asked what is the payoff amount so that I may close the account with a XXXX  balance. They told me the pay off amount was approximately {$85.00}. I paid the full amount immediately and they confirmed it would be closed. The payment went through. I confirmed with the rep that my account was closed and they closed my account. 

Three months later, I got a bill for about {$180.00}. I called them and they said that is what I owe but I told them that I already paid the payoff balance and that they closed my account already. What are the charges for? They said it was the late fee since it was not paid on XX/XX/XXXX. How can there be a late fee when I paid off the full amount balance and request the account to be closed and they closed my account on XX/XX/XXXX. 
The payment and closure happened BEFORE THE DUE DATE, so no late fees and interest should have been accrued. 

Now my account is reporting with a balance of {$250.00} for the late fees and interest accumulated over six months for an account that I paid off and closed. This is not how a business should be run. 

I spoke with representatives three times and even though they confirmed I paid off the account and closed it on XX/XX/XXXX, they still insist it was late on XX/XX/XXXX and that they will not remove the fees/interest unless I pay them. I feel these fees and interest are not my responsibility if I did my due diligence to pay off my account timely and in full. It seems like this is an error on their part and it is their responsibility to rectify it by removing all financial responsibility on my part and reverse any adverse actions to my credit history.
Consumer complaint received 2021-10-19
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. (UT)

XXXX  account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I signed a contract for Windows and Installation with Lowe 's Home Improvement. 

I signed a contract for 24 months NO INTEREST as long as minimum payments are made. 

The employee that completed the contract was ultimately terminated for fraudulent activities. 

I have made numerous attempts to resolve the promotional charge to Lowe 's Credit Card by Synchrony Bank. I have made numerous attempts to work with Lowes Home Improvement in XXXX NC. 

I have disputed the credit card charges due to the promotional charge not being correct in which I had over {$2000.00} in interest added to my account. I was told I was on a 6 month no-interest promotion for which the promotion had expired and could not be changed. 

I complained that the sudden interest from the wrong promotion has put me over my credit limit and is damaging my credit report. 

Synchrony Bank increased my credit limit while my account was passed-due in dispute to cover up this " mistake '' and now my credit report has recently dropped XXXX points.
Consumer complaint received 2022-12-14
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. (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. 

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 an 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 personal 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 2023-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (OR)

My deceased mother owned a house with Wells Fargo as the mortgage holder. As trustee, I sold the home and closed in early XXXXXXXX XXXX XXXX. The funds were wired to the Trust account and I was informed by the title company that there may be an additional escrow refund and that they would be sent through the title company to me to pass through the Trust for distribution. 

On XX/XX/XXXX, I received an escrow refund at my new, out of state mailing address. The check was made out incorrectly. After speaking with Wells Fargo XXXX XXXX, I was advised to try to cash the check but the amount was too large and the banks I visited would not cash it. 

I followed up with Wells Fargo and was directed to send a copy of the check and request a reissue to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent the email on XX/XX/2023. 

On XX/XX/2023, I received an extension letter asking for more time to respond. I immediately called and was told a case worker hadnt even been assigned. 

A few days later, I received a call in response to my " complaint ''. They needed to verify my address over the phone, although they had already mailed out several documents to my new address. The following week I received a check for the escrow refund made out to the trust.
Consumer complaint received 2022-12-14
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. (GA)

Was a victim of identity theft.. Have multiple inquiries on my credit reports that wasnt me.. Ive sent letters, emails, phone calls, disputes, to please remove all inquiries..
Consumer complaint received 2021-04-19
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. (AR)

I have been trying to find out how some of this information came to be on my credit report. It is a public record, that should be removed. Experian is whom I have repeated mailed letters to but nothing in regards to this has been done yet. 

Date : XX/XX/2021, XX/XX/2021, XX/XX/2021
Consumer complaint received 2024-03-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Total Card, Inc. (CA)

In the year of XXXX  I had started to repair my credit., My credit card company XXXX XXXX  as well as XXXX suggested appliing for a Total credit card which i did, I was paying this Total Bill with my SSA monthly payments . Because of the specific date i get paid on, I was always late on my Payment. I explained this to them and they said I could not change the payment date, So everymonth the second my check hit the bank I was calling trying to make the XXXX XXXX deadline, But they informed although their branch was on the west coast, as i am, their financial branch was on the east coast, so i was technically late and was charged a XXXX finance fee. I could not afford this any longer and had option but to close the account. Now they have accessed personal information on line and are contActing my relatives and even my ex husband trying to find out how to reach me. they are making threats that they were sending someone to my house to serve me legal documnents for a XXXX balance that has grown out of control with late fee charges
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NC)

I was contacted by XXXXXXXX XXXX XXXX XXXXXXXX XXXX via mail over a year after moving out claiming we owed money for damages ( {$3300.00} ). The damage price seemed very high, and the long duration between us moving out and them contacting us seemed suspicious. It's worth noting that there was no formal move out inspection done with the apartment complex on our move out date. We asked why we were just now hearing about these damages, and looked into the Indiana law ( Indiana Code 32-31-3-14 ) which states they needed to contact us about outstanding damage costs within 45 days of moving out. In an email correspondence, they stated that they checked with their corporate offices, and claimed they sent us our first notice on XX/XX/XXXX. Our move out date was XX/XX/XXXX, which would be within the 45-day window. They also claimed that was our " second '' notice. The notice I received was sent the week of XX/XX/XXXX. Their reasoning behind the second notice was that they were in the process of sending a second round of statements as a courtesy to prevent sending past due balances to collections, and that the account was previously not sent to collections due to XXXX restrictions. We asked for the details they received from their corporate offices around the first notice since we never received anything in the mail. We were told we could request that information if we let it go to collections and chose to dispute it. We chose to let it go to collections, since we did not believe the first notice was actually sent. Fast forward to this year, and we were contacted by a debt collecting company ( I.Q. Data International , inc ). The notice was sent XX/XX/XXXX. In that letter, they claimed that if we wrote to them asking for proof of the debt, they had to stop collection until that information was provided. I sent them a letter within the 30 day dispute time window, which requested numerous things, but the most important thing being proof that a notice was sent within 45 days, so I could validate the debt on my end. I received a response from the collection agency. In their response, they failed to provide proof around the first notice. I called them once I received the letter on XX/XX/XXXX, explaining that their response to my request still did not provide the proof that I was contacted within 45 days. I was told that they had no obligation to provide that proof to me.
Consumer complaint received 2022-07-16
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)

It has been drawn out that you are not hindering records when I sent a copy of 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 needs to be removed in my file : XXXX, XXXX, M ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  XXXX Bankruptcy Reference # XXXX : XX/XX/2017.
Consumer complaint received 2021-04-19
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. (MD)

I have submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any results.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (IL)

I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX Credit Card company sent my debt to collection agency XXXX XXXX XXXX representing XXXX XXXX. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to XXXX XXXX I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on DXX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for XXXXXXXX XXXX ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; XXXX XXXX refuses to report debt settled and as XXXX balance. XXXXXXXX XXXX stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state XXXX XXXX reports the debt as accurate.