davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : XXXX XXXX
Consumer complaint received 2021-08-18
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)

I recently filed a report with XXXX  XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-04-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC (SC)

Received the first phone calls today from the third party collection agency for Balance Credit. Called twice in a row and left XXXX voice messages. Stated they had more than one number for me, which is incorrect. Then they proceed to immediately contact my family. They didnt not wait or give me a chance to respond prior to leaving messages on my system. Voicemail sounds threatening and asked to validate address and work address. They are harassing and abusive when dealing with people.
Consumer complaint received 2020-12-09
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: Choice Recovery, Inc. (OH)

On XXXX XXXX, 2020, CHOICE RECOVERY INC add a derogatory mark on my credit reports. CHOICE RECOVERY INC did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2021-04-28
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. (NY)

I started disputing unauthorized inquiries on XX/XX/XXXX. I never got a notification or response from the bureaus so I sent another dispute on XX/XX/XXXX. Still 45 days later I haven't received any type of correspondence from the bureaus so I have decided to dispute again today, XX/XX/XXXX as well as file this complaint.
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible
Consumer complaint received 2021-03-15
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. (CO)

XXXX XXXX, XXXX : a credit report was being pulled on the consumer, which notified the consumer of significant drop in their credit due to a 'late-payment ' on a credit card through Commenity Bank XXXX XXXX XXXX. 
XXXX XXXX, XXXX : XXXX XXXX was called, and consumer was directed to Commenity Bank XXXX XXXX, XXXX : Commenity Bank was called on the phone several times in an attempt to speak to someone who might help, but no progress was made. Consumer was directed to file a dispute, which would only continue to show up on the consumer 's credit report having a negative impact. The consumer believes they should not be punished for an issue they were unaware of. 

Details of the issue : Comenity Bank filed a payment as over 30-days past due to credit reporting agencies, after absolutely zero attempts were made to contact the credit card holder. The credit card holder has made nothing but on-time payments to this agency, and in fact, autopayments were applied to this account to ensure no payments were made late. This credit card was actually paid off in full in the fall of 2020, bringing the account balance to {$0.00}, but when the consumer made a purchase at the end of 2020 his autopayments were not resumed for some reason, therefore leading to this late-payment. Again, to be clear, absolutely no attempt was made to contact the credit card holder about the delinquent payment, leaving the consumer completely unaware of this issue since the consumer believed autopayments were being withdrawn from their bank account ( as this was the preferred setting on this account ). This consumer WAS in midst of making a home purchase, and this negative issue has completely halted this process for said consumer and their family due to the negative impact made to their credit report over a {$75.00} charge. This consumer asks Commenity Bank to please kindly consider removing this negative report made to their credit, as the consumer was never contacted by email, phone, or mail to made aware the issue even existed until the credit report was pulled.
Consumer complaint received 2021-08-18
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)

I recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants Adjustment Service, Inc. (GA)

I am having a problem with MERCHANT ADJUSTMENTS. I HAVE REACHED OUT TO THEM ABOUT 120 DAYS NOW REQUESTING VALIDATION THAT ANYONE AUTHORIZED THEIR COMPANY TO RETRIEVE MY MEDICAL INFORMATION AND PROOF OF THE ACCOUNT NOT JUST A BILL THEY CREATED. THEY ONLY TOLD ME THAT SOMEONE AT THE ALLEDGED HOSPITAL TOLD THEM I AUTHORIZE ANY PROVIDER TO SEE THEIR MEDICAL INFORMATION. 

IF THIS WAS THE CASE, THEY STILL WOULD NOT BE ABLE TO ACCESS ANY OF MY MEDICAL INFORMATION BECAUSE THEY ARE NOT A PROVIDER THEY ARE A COLLECTION AGENCY.I ASKED FOR THAT LETTER, AND THEY REFUSED TO SEND IT TO ME. 

THIS IS A IDEA OF THE LETTER I SENT THEM AND THEY SENT NOTHING Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until the debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you Will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by certified mail. Kind regards, The listed items are entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2020-10-28
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)

A XXXX XXXX XXXX collection # XXXX is reporting twice on my Experian credit report. I have submitted a dispute in the past which did not resolve this error by Experian. I need the duplicate account removed ASAP as now I can not close on my new home due to this error.
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to resolve all my errors and inaccuracies with the credit bureaus such as XXXX, XXXX  and TransUnion but they are taking more than 30 days in the investation. .Those errors are afecting my credit score and I want to solve that.
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On Sunday, XX/XX/2019 a fraudulent charge appeared on my bank account as a debit card purchase in the amount of {$100.00} this charge appeared as " XXXX XXXX XXXX XXXX XXXX. This charge was a charge back initiated by someone that we sold some electronics to over 5 months ago. this is clearly fraud. Its my understanding that capital one has zero percent fraud liability for their debit cards, however when I attempted to contact them over this issue ( twice ) they seemed very unsympathetic to my case and could not help me, I needed this money desperately to buy my prescription medicine. This fraudulent charge has stolen {$100.00} from my bank account and I need this money back as soon as possible.
Consumer complaint received 2020-07-19
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: Experian Information Solutions Inc. (TX)

FTC Violations Wrong name - XXXX XXXX Please remove these address, do not live there : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX {$740.00} XXXX XXXX  {$570.00} Inquiries - XXXX XXXX
Consumer complaint received 2017-09-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I paid down my home equity line of credit to XXXX but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the 7th try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said  that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until 2026 even though I no longer borrowed any money. I was told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done. 
I placed a complaint with the CFPB because of the confusing and conflicting information I have been receiving from the various representatives of BofA noted above. When I checked the status of my first complaint, I saw a response with further erroneous information. As BofA will not contact me directly but will respond to CFPB complaints, I will continue to correspond through this channel. 
BofA has incorrectly charged me a {$74.00} release fee, and {$450.00} for an early closure that I never requested. Furthermore, while BofA is NOT responding to me, they warn they will continue to charge interest on the fees that are in question. I find this irresponsible and unethical -- I 'm literally paying BofA not to respond! I do hope the CFPB complaint system can help me here. I have been a customer of BofA for 20 years and they do not have the decency to contact me directly.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the XXXX pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the XXXX pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I have purchases on my credit card from a trip I made to XXXX, XXXX back in XXXX of XXXX. I reported the problems to Wells Fargo immediately and they cancelled my credit card and sent me a new one. They credited me for the charges after I reported them as fraud. Within XXXX weeks, they charged me back for those transactions and told me that the chip was used on the card. I know that I did not use the card for those purchases. In fact, one of the businesses called " XXXX XXXX '' is not a " real '' business. They have no store front and I ca n't find them on the web. Wells Fargo has not been able to tell me who they are or how to reach them. Here are the purchases shown on my VISA that I did not make : XXXX {$110.00} XXXX XXXX {$100.00} XXXX XXXX {$72.00} XXXX XXXX Since XXXX, I have been back and forth with the Wells Fargo Fraud Department, the Dispute Department, and the Executive Team. I have talked to over 10+ agents between those departments and no one has done anything to assist me. Honestly, I do not believe that they chip was used but that is what they are telling me. I asked them to prove that to me but they have n't. In addition, I asked Wells Fargo to contact the merchants to give us copies of the receipts. They told me that process takes 30 days and we conducted that " process '' during the time period of XXXX XXXX to XXXX XXXX and the merchants did not respond to Wells Fargo attempts. After that 30 day process, Wells Fargo told me that I could enter into an arbitration period. However, everyone I talk to now tells me that " if '' the chip was used ... .and the merchant does n't respond to Wells Fargo 's requests for a receipt, then the customer is still responsible for the charges. They are not willing to allow me to enter an arbitration process. I do n't know what to do but feel as though I need to hire an attorney to represent me as Wells Fargo does n't care about me or my problem and has wasted a lot of my time between calls to find someone there that can help me. I did not make these purchases ... .nor do I believe that my credit card was swiped at these businesses. In addition, the 2 merchants did not respond to Wells Fargo and no one has shown me any receipts of the transactions. In the meantime, Wells Fargo is continuing to bill me for these purchases AND bill me interest for them as well. I need to understand my rights and what steps I need to take now as I 'm not getting anywhere with Wells Fargo at this point. Please let me know what I can do to help myself as Wells Fargo is not offering me any assistance at this point.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (VA)

I have a car loan with SAFCO, on my credit file it shows they reported that in XXXX, XX/XX/XXXX and XXXX, XXXX and XX/XX/XXXX that l never made my payment where in fact l did make payment, they have failed to report it to the credit bureaus and it shows on my credit file as payment not received. I have tried to get them to correct this and report the payments. They claim they did and l disputed it with the credit bureaus as well and nothing is getting corrected and reported correctly. Here is SAFCO address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX and there number is XXXX My account number is XXXX with SAFCO. 
I need your agencies help to get this corrected please. See attached screen shot. 

XXXX XXXX XXXX
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.