davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I am writing to file a formal complaint against the credit bureaus XXXX, XXXX and Equifax regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored. 

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BYL Collection Services (AZ)

I just became aware about this debt in collections. I had never received a notice that was account with the creditor is in default nor that I had a missing payment. I became aware about this debt through a job that I was recently applying for. They notified me that because this account is in collections and the resulting derogatory marks on your credit score, that they would not be able to hire me until this is resolved.
Consumer complaint received 2019-02-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on student loans with the XXXX XXXX and XXXX XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2017-03-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Alliant Capital Management LLC (WI)

I received two messages from XXXX, whom called from a local number XXXX on XXXX and XXXX in her message she Indicating I needed to call her immediately before she proceeds with legal action against my name and social security number, she did not leave the name of her company however asked to call XXXX ext XXXX. 

I did call the number and a gentleman explained that they are collecting a debt on behalf of their client in the amount of XXXX. He would not provide the company name or any other information. He did agree to send a debt validation letter. What is concerning is the address for the letter is to a XXXX and the current creditor is from a company I have had no contact with either by phone or mail. I XXXX the phone number and found numerous complaints on XXXX and XXXX.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (CA)

I first got a letter from credit protection association to pay my bill I was worried and payed it off right away and now they have been harassing me through mail and phone, one male on customer service was very rude was yelling at me and saying my payment did n't go through and if I did n't pay my credit will get hurt. The latest letter i had is XXXX/XXXX/2016
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

Weltman , Weinberg & Reis Co. of XXXX Ohio received a judgement against me in XXXX Court for a credit card I was unable to pay on because I became XXXX. As of XXXX XXXX, 2016 they have tried to hold/attach my social security XXXX check & my husband 's social security money direct deposited into our joint bank account via the court system. I never even received notice of this latest hearing. Just a notice from the courts that it was done. 
I know the money in the joint checking was tried to put on hold cause my bank contacted me. They did hold the money in the joint savings account, which was a small amount transferred for end of month expenses via the regular joint checking. 
So now, we are faced with the point where Weltman , Weinberg & Reis will try to hold our social security money every month if they want to.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC (NV)

My name is XXXX XXXX and I am having issues with a collection company that is collecting a debt for an apartment complex. The apartment complex : XXXX XXXX XXXX '' is actually trying to charge fees that are not accurate. I requested a copy of the information and the break down of deposit shows the apartment complex is listing : Insufficient Notice fee of {$1100.00} which per their collection policy was only to be charged once the contract expired and a tenant was going month to month and did not give 60 day notice. Then they charged a Lease buyout fee which was {$2200.00} and {$500.00} for which the collection policy indicated " Lease Buyout '' Should you vacate the premises before your lease expires you will be charged a Buyout Amount of {$2200.00} and early termination fee of $ XXXX.They are also charged miscellaneous fees which would be considered normal wear and tear. When moving in the carpet was stained and they want to charge for Shampooing along with touch up paint and cleaning. All which is part of normal wear and tear. Also the Deposit sheet also shows move in date as of XX/XX/XXXX which would make no sense since the lease did not begin until XX/XX/XXXX. 

Also the break down shows an opening charge of {$99.00} what was that from?
Consumer complaint received 2022-09-07
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)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

BANK XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (NV)

I attempted on several occasions to obtain assistance with the late fees on my account which were incurred while I was in the hospital from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with Target Card Services DBA TD BANK. I have spoken to the following agents : XXXX, XXXX, XXXX. Supervisors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
I have never been late on this acct since I opened this acct until I landed in the hospital. I requested only XXXX Late fees to be waived of {$38.00} and {$36.00} and they refused as I was more than 30 days late.. I have never had this issue with none of my other credit card accts until this one. They are extremely rude, unprofessional and have on several occasions violated UDAAP. This is not a professional way to be running a bank in this capacity. They refuse to allow me to speak to anyone in charge above their phone supervisors.. I have offered to fax my hospital paperwork verifying this to be true. and the bank refused to remove my late fees and review my documentation. have other accounts with other banks and never had this issue before and this is quite disturbing. Not to mention these agents have committed many UDAAP. This is something that needs to be seriously investigated as they do not think they have to follow any laws as nothing applies to them except their made up policies which they said they can change at anytime with no notification to the customer. I completely disgusted with this organization. I would not call them a bank after they treat their customers the way they have.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (ID)

I sent my payment to MACY 's via online banking on XXXX XXXX. It was for payment in full. The payment was miss applied to another account, that not only was delinquent, was " charged off '' due to a bankruptcy! I 've asked it to be corrected. Macy 's admits they have my funds, YET they want me to FAX them a copy of my bank statement.
Consumer complaint received 2022-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (OR)

I purchased new XXXX XXXX XXXX  back in XXXX XXXX XXXX  from Westlake Financial. Due to my divorce I lost my home and my credit went downhill. I had no choice but to purchase this car. I believe the interest rate is at 26 %, I recently looked up how many payments I've made since I've purchased the car. I have made over {$17000.00} in payments since XXXX of XXXX. My balance is still at {$16000.00}. How could this be? I need help. I am on XXXX and I can not afford to keep making these payments. I feel I've been taken advantage of. I have made my payments on time except for when my payment date was changed at my request and the payments apparently were 30 days late. I also had to defer a few payments. But as the creditor can see I have been extremely consistent in making monthly payments of {$450.00} a month. Now being XXXX XXXX XXXX and on XXXX. I need all the help I can get. I have contacted Westlake Financial and they said they don't refinance. I went to XXXX XXXX XXXX where I originally purchased it to maybe trade it in but they would not do this. Please help. 
Thank you
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (FL)

I have submitted all of the required documentation to remove the XXXX XXXX Inquiry is appearing on my credit report. I have spoken and was advised to submit the information and it will be removed in 72 hours. The inquiry is still showing on my report.
Consumer complaint received 2019-02-27
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GREAT LAKES (GA)

I have received repeated calls over the course of six months from Great Lakes on behalf of my student loans, even after I have requested them to cease and desist. They are violating theTCPA and it is interfering with my mental health. 

I want the collection calls to STOP, and i want to set up a p
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My husband passed and since then I have been struggling to make my mortgage payments. My home is in foreclosure and I have been trying to work with my lender Wells Fargo to find options to help me keep my home but I am constantly getting the run around and unable to get flat answers from them. After researching online I have realized I am not the only XXXX in this situation and feel I am being taken advantage of and not being treated fairly nor properly. I am now facing a sale date on XXXX/XXXX/2016 and can not even file bankruptcy to save my home as I have exhausted that option way to many times and can not afford to pay my mortgage on top of a payment plan through the court. I need more time to figure out my options and for Wells Fargo to work with me instead of selling my home.
Consumer complaint received 2023-04-14
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have had 2 accounts open in my name fraudulently and I addressed the issue with the credit bureaus. XXXX is the only one right now I'm having issues with. They processed my documents that they requested, removed the accounts in XX/XX/XXXX and then re-inserted them on the report this month ( feburary XXXX ). 

This is really putting us in a bad position and I'm hoping that this will help! 

Thank you,
Consumer complaint received 2023-07-31
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)

I sent a letter to XXXX and Equifax to correct incorrect information that is showing on my credit report. Both companies are refusing to delete the incorrect reporting information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. Both companies have been given several chances to update the information. Instead, I am getting that the accounts have been verified. How can an account be verified when the information reporting inaccurate. Equifax disputes on this account was done on XX/XX/, XX/XX/ and XX/XX/. Each time the information came back verified. Experian disputes was done on XX/XX/2023 XX/XX/ and XX/XX/2023. 

According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : Acceptance now and
Consumer complaint received 2024-02-16
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. (IL)

I called the credit reporting agencies. I have contacted your offices to dispute and emphasize that the inquiries and accounts appearing on my consumer report are unauthorized and were reported without my permission or consent. I wish to underscore that this situation falls under the category of Aggravated Identity Theft, as defined by 18 U.S. Code 1028A. Your immediate attention to rectify this matter in compliance with legal requirements is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (PA)

I'm a natural person. Transunion continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Accounts 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 2015-06-22
Product: Credit card — 
Issue: Application processing delay — 
Company: CITIBANK, N.A. (FL)

When we were in XXXX, a vendor accidentally XXXX billed a charge of XXXX XXXX, They issued a credit the same date, XXXX/XXXX/15. 
Unfortunately the XXXX charges ( same day ) were billed at different exchange rates and were billed US {$23.00} and US {$22.00}, but the credit ( same day ) was for US {$22.00}. 
When I questioned Citibank they were unable to assist me and explain how XXXX transactions were for different amounts on the same day, they told me to refer to XXXX XXXX XXXX. Does the XXXX XXXX XXXX exchange rate vary by minute? This appears fishy to me.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (FL)

I need you do something this company is stolen my money I resquest to them a file a dispute against a company and they just transfer me over and over without result after days trying to do this ; a agent with really bad attitude answered the call and place the issues on top of that after contact them, I call a month after and they just transfer again my calls and they just said I have to wait!!! this is incredible I 'm still waiting without results and this company just stole money from people
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX C/O XXXX XXXX XXXX is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of metro 2 fair credit reporting guidelines
Consumer complaint received 2021-06-06
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: EQUIFAX, INC. (MD)

I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.