davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as ofXXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, XXXX, XXXX, and Equifax, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

YOUR COMPLAINT XX/XX/XXXXXX/XX/XXXX I had applied for a credit account with them in XXXX. It was approved for {$200.00} I never used it and it eventually closed in XXXX due to no use. At the time when they closed it they reported it as a charge off and a bankruptcy which it was not. Since the account was never used there was no amount to charge off or to include in any bankruptcy. I contacted XXXX XXXX / XXXX XXXX and was told my account was never negative and it was never used hence the reason for closing. At that time they informed me to dispute it with the credit bureaus by which I did dispute with Equifax, XXXX  and XXXX  three times. On each occasion they stated the account was accurate. I then called back to the credit bureaus and was told this is the information that XXXX XXXX XXXX gave them. I questioned the credit bureau for proof of this delinquency and what was given to them as verification that this delinquency and negative credit rating is incorrect. I got a letter from all three stating that they would not dispute the same thing and for me to contact the creditor. Shortly after I disputed with the creditor XXXX XXXX XXXX  more than two times via certified letter and no response was given. I went back to the credit bureau for the information to be corrected and updated. At that time I pointed out to them that according to their credit report as of XX/XX/XXXX to the current date there has been no activity, no scheduled payments and no high balance reported for this credit card since opening which proves that this account was never used just opened. Basically till date I have been denied the right to a fair and accurate credit report that has subsequently caused defamation of my character to potential lenders due to the negligence of XXXX XXXX XXXX , Equifax , XXXX  and and XXXX  . I  immediately request that this information be corrected to reflect never late, the account status of charge off and included in bankruptcy be deleted. 

View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/XXXX The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MD)

I settled two of my delinquent Barclay credit card accounts with a XXXX XXXX XXXX XXXX in Virginia. One account was settled on XX/XX/2019, and the other on XX/XX/2019. Since the settlement, the status of my credit report has read that the debt has been satisfied for less than the full balance. On XX/XX/19, my credit score dropped dramatically as Barclays is currently reporting that one of the accounts, that had been settled, is now behind and that I owe a balance of {$5300.00} dollars. This is inaccurate. This reporting is only showing up on my XXXX report and not with the other credit bureaus. Time is of the essence as I am looking to purchase a new home and this recent ding on my report will put the process in jeopardy. As the delinquent accounts were just recently settled, I am not sure why Barclays is now reporting the account with a balance owed with a failure to pay.
Consumer complaint received 2023-01-03
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (AL)

I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Consumer complaint received 2020-10-22
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. (NJ)

On numerous occasions, I have filed a complaint with the CFPB regarding the violations that Transunion is doing. My past complaint numbers are XXXX, XXXX, XXXX and there is more. I sent Transunion several letters and ask for verification and validation of the bankruptcy that is reporting on my credit report and to date, Transunion is violating my Fair Credit Reporting Act rights 609 and 611 by not responding and validating where they received the information. I also spoke to several reps from Transunion and they advised that they validated the debt via the bankruptcy court. I have attached a document that the bankruptcy court mailed to me stating that the do not verify such information. How is it possible that they can report items and not verify where they receive this information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( Agencies ) are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (IL)

In XX/XX/XXXX I canceled my XXXX XXXX  with XXXX. I returned the equipment and even received an email notice from XXXX that equipment was returned on XX/XX/XXXX. I also spoke to a representative in XX/XX/XXXX because of the circumstances of needing to cancel my service the early termination fee was waived and as long as the equipment was returned the amount owed to the account would be {$0.00}. I received bills in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they had not fixed the bill and each month I called, each time speaking with a representative and they would go back and look at the notes to XXXX out the account again. On XX/XX/XXXX I spoke to a representative that applied the appropriate fee waivers and after a couple hours on the phone I was told the balance was XXXX. I never received another bill from XXXX or any other communication regarding this account, until XX/XX/XXXX. I received a phone call and the same day a credit alert to my XXXX credit report that a collections had been place on my account from Diversified Consultants for the {$320.00} from XXXX  that had been turned over to them for collections. They have not been willing to removed this from my credit reports, XXXX   shows this balance as XXXX again after 3 days of calling and going through old notes the account was corrected. However XXXX XXXX at Diversified Consultants is not willing to remove this from my credit report. The bill was XXXX and it was XXXX fault that this account was placed for collections. I feel that diversified needs to take this collection account off my credit report since XXXX shows a XXXX balance.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (FL)

I am a victim of identity theft. I have an active fraud alert with all 3 credit bureau. I am actively working to clear all fraudulent claims. I've worked previously with a collections agency for a XXXX account XX/XX/2017 which was proven not to be mine. However, that agency sold the outstanding account to Diversified Consultants. I have sent written communications to both Diversified as well as ; all 3 credit reporting agencies with no avail. With an active fraud alert and Police report on file I would like to have this account in the amount of {$520.00} for XXXX removed from all 3 agencies. I have not previously received any correspondence from this company prior to being alerted by the credit bureau.
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I am requesting a one time 30 day courtesy foreclosure postponement. 

I've never been reviewed or considered for payment assistance options in the past. I've faxed in a complete payment assistance application packet to Wells Fargo directly and the foreclosure office XXXX XXXX XXXX. 

I was unable to submit this application through the Wells Fargo online banking portal, " loan tracker '' as this feature was not available online as stated it was through the Wells Fargo online website. 

I am requesting a foreclosure postponement to be granted by either Wells Fargo or the foreclosure office XXXX XXXX XXXX, for the reason that I would like to retain my property and I was not aware a possible " unemployment forbearance plan '' can be offered or considered, due to my unemployed hardship. 

I would like to retain the property through a payment assistance option as I am currently seeking employment in an effort to apply for a loan modification once employment is gained. In the event I am unable to to reinstate the account upon gained employment, I would like to attempt a loan modification to help with the past due balance. 

I have faxed my completed application to Wells Fargo and the foreclosure office XXXX XXXX XXXX.
Consumer complaint received 2018-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MT)

A subpoena was issued against my personal banking information on XX/XX/XXXX.

I was not served the subpoena and Wells Fargo did not notify me of the action being taken on my personal bank account.

The legal matter in which the subpoena was a part of is a case that does not involve me or my personal property.

I am neither the plaintiff nor defendant, I am a non-party.

Wells Fargo released my information to the plaintiffs without notifying me of this action.

I did not know of the filed subpoena or the execution of the subpoena by Wells Fargo.

The information disclosed caused the plaintiffs to submit a second subpoena on XX/XX/XXXX which Wells Fargo once again did not notify me about.

I was able to file a Motion to Quash the subpoena due to notice given by a party other than Wells Fargo.

A third subpoena has just been filed on XX/XX/XXXXand once again Wells Fargo has done nothing to notify me of the potential action on my account.

I have brought this issue to the attention of Wells Fargo legal.

XXXX XXXX, a paralegal within Wells Fargo 's legal order processing department responded to my grievance on XX/XX/XXXX by written letter assuring me that there was a courtesy notice sent to me for the XX/XX/XXXX subpoena and that the liability of service falls on the attorney who filed the subpoena, not the financial institution.

I responded by stating that a courtesy notice supposedly sent by Wells Fargo was never received by mail, email, or phone call for 3 separate filed subpoenas and that I need a copy of the said " courtesy notice '' to evidence their action or else Wells Fargo admits liability.

The information released by Wells Fargo has allowed the plaintiffs to harass me through further subpoenas that cite specific information that should not have been released by Wells Fargo in the initial subpoena.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems (NC)

Financial data systems L. The account was opened on XX/XX/2015. I had a procedure to remove my first XXXX  at XXXX XXXX XXXX XXXX XXXX. After they removed the XXXX they apologized and said they did not have any other devices in stock and that it would take at least another month to get more in stock. They said that would mean they would need to reopen a healer wound. The doctor did not recommend this and referred me to what they called a sister clinic. I asked the receptionist if this procedure would be covered 100 % by my insurance ( as it has in the past ) and the receptionist reassured me it would. I went straight to the sister clinic and had the XXXX XXXX by a med student. This med student XXXX the device improperly, which would cause me to XXXX XXXX XXXX to have the device removed three years later when the device was somehow undetectable. Then I receive calls from a credit collection agency saying that I never paid my hospital bill. I called XXXX XXXX XXXX XXXX XXXX and the sister clinic ( which was actually new XXXX XXXX  medical centers ) to try to figure out how I could possibly have a bill. They stated over and over that my insurance didnt cover the procedure. I called my insurance who stated procedure should had been covered. I called the collection agency and relayed this information and to no avail they claim that I still owe them money for this procedure.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc. (CA)

I am a XXXX citizen an I applied to refinance my Reverse Mortgage and discovered that during the moratorium on debt collections in the State of California that XXXX Bank had not only sent my account to collections but both companies XXXX and a XXXX XXXX were both attempting to collect and reporting negatively on my credit.
Consumer complaint received 2019-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (SC)

My daughter had XXXX  in spring of XX/XX/2017. We received a 25 % discount for paying the bill in full the morning of her XXXX. The lady informed us if we received a bill after XXXX, to call them and they would take care of it because we paid in full. We did receive a bill of {$270.00} and we called the business office just as suggested. The lady informed us that she would take care of it immediately. Fast forward 30 days, we receive the same bill. Again, we called and talked to a manager this time. They also agreed to take care of it because they noticed we paid in full. We thought all was well until I pulled my credit report since we are applying for a new mortgage. This was a negative debt in collections. First, we never received a bill stating it was in collections. This is keeping us from getting a desired rate on our mortgage due to their clerical error. We can provide a documents showing we paid her amount in full the day of XXXX.
Consumer complaint received 2021-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (LA)

I have a loan with Tower Loan located in XXXX XXXX, LA. My first payment for my new account was due XX/XX/2020 however due to the pandemic I had a problem making that payment. As of today that payment is still past due however I had intentions on making that payment this week. I was told that if I did not pay the XXXX and XXXX payment that there would be legal fees added to my account and my wages garnished. My first payment is not even 60 days past due as of today however the branch manager XXXX indicated I am 60 days past due and that if I don't pay XXXX and XXXX in full legal action will taken place. To threaten someone with legal action and wage garnishment during a pandemic is disgusting. To add to my embarrassment of not being able to pay my payment as promised, XXXX refused to make any other arrangements with me as per XXXX " he could have sued me last month for this debt ''. What I don't understand is how if my payment was due just last month? I would like to make arrangements to catch up on my payments however the branch manager refuses. He refused to provide a number or email address to their home office, he only redirected me to the site. I have completed their complaint form twice and received no response.
Consumer complaint received 2019-08-23
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. (GA)

I filed a dispute and complaint with TransUnion regarding the collection account on my credit report. They sent me a response stating that it was a frivolous dispute and that they believe that I received services and/or merchandise from the company. First off this is a fraudulent account that XXXX XXXX had already removed and then they sold it to a collection agency. This account is being reported by multiple collection agencies with different amounts. This is fraudulent within itself. They are required by the FCRA to dispute and/or block any and all items deemed as fraud as long as I have provided an Identity Theft Affidavit and/or Police Report and verified my identity. I have sent all of those documents and more. I have mailed out something certified to them as well because if this account isn't removed, I will sue and I have already retained an attorney.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have already submitted a complaint re multiple unauthorized withdrawals from my account at Bank of America with the CFPB, complaint # XXXX, and the bank has contacted me. The Resolution XXXX from B of A, XXXX XXXX, did contact me on XX/XX/XXXX and said she would be readily available by phone or email. I have called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX and left voicemails each time. I also emailed XXXX XXXX and I have not heard back from her at all. I am concerned because she said she responds to voicemails on the same day. The phone number she gave me does not have any options for speaking to anyone else. It just goes directly to her voicemail. 

I would like to be assigned a new Resolution XXXX as it is very urgent that I be refunded immediately. I have filed a hardship with the Bank of America Claims Department but nothing seems to be happening. The amount stolen from my Unemployment Debit Card with Bank of America is {$15000.00}, and as I am currently unemployed, I urgently need that money to pay rent and all other bills. 

In addition to the documents attached here, my original CFPB report and two dispute letters sent to Bank of America and two Identity Theft Reports, please see my original complaint for the filed Police Report, and the filed Federal Trade Commission Report.