davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CT)

Due to recent financial hardship I went over 90 days past due. So i got in contact with XXXX to set up a payment plan to bring my account to current, the deal that was made was {$88.00} a month no interest if I agree to close the account and stay current on payments if I failed to do so the deal was off so I gave them my bank account and routing number to take the payment and was settled from there I believe this occurred XX/XX/XXXX. On XX/XX/XXXX I went to pay and it showed a balance of {$300.00} assuming this was a error I called XXXX, and was told the the agreement was voided due to non-payment, I replied with the bill is not due till XX/XX/XXXX and they said the original payment was never made, I verified they had the correct account which they did so I proceeded to contact the bank to find out what happened since there was plenty of money for XXXX to take. The bank told me that there was never a transaction attempted by XXXX in that time line. I then called XXXX again and explained to them what the bank had told me and they refused to help me at that point trying to tell me the fault was on my end not theres. In my point of view they purposely did not run the payment to try and void the agreement to continue to collect the interest which I had said to the manager that I was speaking with and she just continuely said they are no longer willing to help me and proceeded to report me negative to the credit bureau, at that point I sought legal advise and was told reporting to you was the best course of action
Consumer complaint received 2020-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item was updated from our processing of your dispute in XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX Status : Collection account. {$300.00} past due as of XXXX XXXX. 
Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX Reinvestigation Information : This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

These 2 account are on my Experian credit report. I have disputed these accounts as not being mine, I have no referance to what they are for. As can be seen above the reinvestigation info is sparse. I have been successful in removing these 2 accounts from XXXX  and XXXX XXXX. I don't understand why Experian  won't remove these 2 accounts as XXXX  and XXXX XXXX have done. I am trying to improve my financial situation and with most lenders using Experian the most, I would be grateful to the CFPB if they could help in my improving of my financial situation.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

While making a purchase, the sales person asked if I had a loyalty account. I do ( which means I have made purchases prior, not a credit card holder ). After she asked my phone #, she asked my email address, that's all. After my purchase she explained that I get 15 % off. I knew that but I was not aware that she was referring to a credit card. A Loyalty Program is just that ; a frequent buyer. She stapled my receipt to a brochure which explained Loyalty, Premier, and Elite. It seems she opened a credit card for me and I do not want it, nor did I ask for it. How do I get this closed without disrupting my credit?
Consumer complaint received 2020-07-15
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. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX  XXXX  Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX/XXXX  Account XXXX XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2020-04-27
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. (MS)

I have disputed erroneous information with the credit bureaus and only XXXX  has made a reasonable attempt to correct the information. Experian won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (FL)

I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

As requested by XXXX please see the accompanied Fraud Packet completed and supporting identifying document initially mailed a few months ago. Please provide me with a copy of their response through the CFPB portal for my receipt.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MD)

XXXX XXXX has reported me as being 9 times 30days late. I have contacted them numerous time sent my bank statements showing that they have received monthly payments from on time as payments were set up on Auto-pay at {$12.00} per month. I paid the account in full on XX/XX/2017 and was told that all incorrect lateness 's would be removed as they should have never been placed on my account in the first place this company is clearly in violation and I want my cr3edit report corrected as my score has dropped 100 points due to this
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX  XXXX XXXX said i didnt have credit history and XXXX  and XXXX cant seem to fix my credit with the inaccurate information they need to fix that asap
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is in regards to case # XXXX, XX/XX/2018 I sent complaint to Bank Of America through CFPB, received phone call from Bank Of America Regulartory Complaints team, On XX/XX/XXXX, received another phone call from Bank Of America Regulatory explained to me everything regarding my claims I had opened with Bank Of America, I also received via email a copy of everything we spoke about. From the conversation and letters I received I was thinking everything is solved as stated, however XX/XX/XXXX, I received a letter stating my claims was now resolved as of XX/XX/XXXX, however I called claims to tell them my claims was resolved back in XXXX. I was ask where did I received this letter from and to fax it over to the claims department, which I did on XXXX XXXX, XX/XX/XXXX, received another letter saying that my claim was resolved and the temporary credits for claim # XXXX and claim # XXXX on XX/XX/XXXX, I called again spoke with a lady name XXXX she said she was a supervisor I explained to her the claims was closed in XXXX by Bank Of America Regulatory department she stated that no the claims was never closed and we will be revering the temporary credit in the amount stated for the claims on XX/XX/XXXX, and I cant reopen and don't resend the letters because it won't matter, I told her I will resend the letters stating my temporary credits was permanent. which I did fax over was told they wont be considered the claims is closed as of XX/XX/XXXX, XXXX.I thought the claims been resolved in XXXX when I received the phone call and the letters.I am fighting XXXX and I don't have time to worry about this case because it was closed to my knowledge.
Consumer complaint received 2021-04-23
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: AMERICAN EXPRESS COMPANY (MA)

AMERICAN EXPRESS ACCOUNT ENDING IN XXXX, OPENED XX/XX/2020 FOR XXXX XXXX THE CARD ACCOUNT IS NOT LISTED ON HIS CREDIT REPORT, AND IS INSTEAD LISTED ON HIS SON ( XXXX XXXX ) 'S CREDIT REPORT, AND IS MIXING THE TWO FILES TOGETHER. INCORRECT PERSONAL INFORMATION IS NOW LISTED ON HIS SON 'S PROFILE, WITH NOTHING ON HIS PERSONAL CREDIT PROFILE. 

DISPUTE WAS FILED WITH XXXX, AND AMERICAN EXPRESS HAS BEEN NOTIFIED. NEITHER HAVE RECTIFIED THE ISSUE.
Consumer complaint received 2023-07-25
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: Early Warning Services, LLC (FL)

Reference Case number : XXXX Account number ending XXXX Closed Charged off. I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( XXXX XXXX ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call XXXX XXXX at XXXX, I spoke with XXXX XXXX XXXX XXXX customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. XXXX XXXX incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my XXXX XXXX. I believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to EWS ( Early Warning Services ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against XXXX XXXX and satisfy the open invoice as it relates to my research of this claim.Both XXXX XXXX XXXX XXXX along with EWS ( Early Warning Services ) have violated my rights- In accordance with the fair credit Reporting act XXXX Account XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-01
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. (SC)

This is NOT a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.It has been 30 plus days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as the are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INTRODUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (FL)

Well more then 7 years these people from XXXX XXXX have been hunting me down. They affected my credit more then 7 years ago and ever since then have been trying to add themselves to my credit with different collection agencies they sell the collection to. Now they are affecting my credit for so long even while I told them many years ago that if I did recognize this collection everything was already paid off but this is getting out of hand. Now they sold this account to another collection agency and they are affecting my credit under the company name of VANCE AND HUFFMAN LLC. And are lying and saying that this collection was opened in XX/XX/2019 for the amount of XXXX which is totally inaccurate. This company has been hunting me down and now affecting my credit and all of this is stressing me out and I need someone to help me and find an ending to all of this. This is not the first time that I contact XXXX  and the other credit reporting agencies about this and now this account under a new collection agency is trying to make false allegations with false dates to have me pay for something I did already and putting something on my credit that was already erased more then 7 years ago.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC (GA)

I am refinancing my home and discovered that my cureent mortgage company, NewRez, ran my credit several times in XX/XX/2019. This was done without my consent or knowledge. I recall them sending me mail adn leaving me messages wanting me to refinance then. This was done without my knowledge or consent.
Consumer complaint received 2018-06-15
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. (IL)

I am an authorized user of this XXXX account of which was explained to me by XXXX that this account would be reported to all national bureaus However I have reviewed my credit file with Experian and have not seen any reporting thus far for almost a year. I received document form XXXX XXXX explaining the request to have the account reported. I've attached XXXX 's document to reflect more information.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Regarding my last payment on a mortgage loan with Mr Cooper/Nationstar mortgage. I requested a payoff of the loan as it was supposed to be the last payment. The mortgage mailed me the payoff which I received XX/XX/2021, but the payoff was due XX/XX/2021 in that letter. I wire transferred the fund to the mortgage company twice and the loan was paid XX/XX/2021. The mortgage recorded a late payment for XX/XX/2021 on my credit report. They need to remove the late payment of XX/XX/2021 from my credit reports. I wrote them 3 times disputing the late payment status, I called them 5 times, I disputed it through the credit bureaus are well.
Consumer complaint received 2020-04-26
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. (MS)

I have disputed erroneous information with the credit bureaus and only Equifax has made a reasonable attempt to correct the information. XXXX  won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.
Consumer complaint received 2016-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Genesis Credit Management, LLC (WA)

The collections account was opened XX/XX/XXXX and. Did not receive any contact from this company until I contacted them on XX/XX/XXXX. Upon my request for them to provide me with documentation proving this debt was valid, I received documents that lacked the specific documents as required under XXXX XXXX XXXX which hold that when the company collected a security deposit from me it was required to conduct an inspection and create a move in checklist to be signed by all parties and furnished to all tenants which they failed to do. Also the rental agreement is not valid under Washington state law being that the agreement has clearly been altered without the consent of all parties which was required to reflected by all parties adding their initials to show we acknowledged the information being added and agreed to it as part of the rental agreement. Genesis credit management did not properly investigate the validity of this debt. This account has already been investigated and removed my Transunion report as of XX/XX/XXXX but Genesis credit management has not reported this information as required to all CRA they reported they have reported to.
Consumer complaint received 2023-02-07
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion refuses to update/remove inaccurate information from my credit report. They are reporting late payments on accounts that I have never paid late. They are reporting accounts that are not mine and they refuse to show me any form of methods of verification.
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: EQUIFAX, INC. (VA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.