davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I went to bank of america at XXXX XXXX XXXX XXXX in XXXX SC to cash a check that was wrote out to a young lady that I was buying a truck and trailer from. The check was for XXXX and it was wrote out to her personally so I went to the bank with so I can pick up the equipment. The first day they said it was to late in the day and we had to come back tomorrow. The following day we went back to the bank and attempted to cash it again and the teller said no funds was available. I contacted the lien holder and they said no way there 's money in there. So the teller called her manager who name was XXXX she said oh the signatures do n't match what we have in the system. I called the lien holder again and XXXX the lien holder at XXXX XXXX said tell her to call me. I told her what she said and she called her manager which is over the bank. XXXX which is the branch manager said hold on, came back 20 minutes later and said, i 'm not calling nobody and I 'm not cashing the check end of story. We left and went to another Bank of america and the manager looked at the notes they put in the computer, laughed and told us to have a seat. He went to his office verified the check with the lien holder and cashed it. I feel I was discriminated against because the color of our skin. I contacted the manager over that county and she apologized to me saying the branch manager did n't know she can call the customer to verify the check. That 's a bunch of XXXX and she know it.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX A 3RD PARTY COMPANY IS REPORTING INFORMATION OF A BANKRUPTCY XXXX  XXXX TO ALL 3 CREDIT BUREAUS OF MY CREDIT FILE. THIS INFROMATION WAS NEVER REPORTED BY THE FEDERAL BANKRUPTCY COURTS. XXXX REPORTED THIS ON MY CREDIT FILE AND WAS NEVER A PARTY TO MY XXXX XXXX BANKRUPTCY REFERENCE FILE # XXXX. 

A FORM 609 WAS SENT TO XXXX UNDER THE FCRA GUIDELINES REQUESTING THE REMOVAL OF THIS INFORMATION FOR : XXXX XXXX XXXX / DATE OF BIRTH : XXXX SS # XXXX / XXXX XXXXXXXX XXXX DATE OF DISCHARGE WAS XX/XX/2017 / BANKRUPTCY FILE # XXXX XXXX HAS CONTINUED TO IGNORE MY REQUEST OR RESPOND TO MY REQUEST TO REMOVE THIS ITEM FROM MY CREDIT FILES ON TRANSUNION/ XXXX XXXX. 

THE XXXX XXXXXXXX XXXX HAS FURNISHED EVIDENCE THAT THEY NEVER SUBMITTED DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS TRANSUNION/ XXXX XXXX AND THAT I WOULD NEED TO TAKE THIS MATTER UP WITH XXXX. 

XXXX REPORTED THIS ERONEUS INFORMATION TO THE 3 MAJOR CREDIT BUREAUS WITHOUT THE RECOMMENDATION BY THE XXXX XXXX XXXX OF XXXX XXXX THE XXXX XXXXXXXX TRUSTEE.
Consumer complaint received 2021-06-07
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. (NJ)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via e
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This was previously corrected inaccurate late payment and derogatory comments such as 120 late for both old closed mortgage accounts XXXX XXXX XXXX and XXXX and it was put back on.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX reported to all three credit bureaus that my XX/XX/XXXX payment was 30 days late. The payment was not 30 days late. My payment was due on XX/XX/XXXX. I paid off the entire account on XX/XX/XXXX. The XXXX payment was 19 days late, not 30 days late as incorrectly reported. XXXX and XXXX have already removed the incorrect information from my credit report. Transunion, however, has refused to remove the incorrect information from my credit report. The representative at TransUnion told me that the creditor can report a thirty day late payment on my credit report any time within a 30-day period. This information is also WRONG. Also, TransUnion has refused to allow me to re-dispute the incorrect information on my credit report.
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CA)

I have an unemployment forbearance. The unemployment forbearance is currently in effect. 
Problem : The credit reporting companies are reporting me as late, all while the forbearance is in place and the lender does not consider me late. First of all, the forbearance should have been in place months before, I simply did n't remember the option. Second, making me whole ( and I can argue the fairness of whole ) and not late or past due with the company and they get to keep reporting it as late seems unfair and deceptive. 

The CFPB should not allow late payments, which are included in the time of the forbearance, to report as late on the Credit Bureau. This practice serves no purpose, is unfair, and hurts the borrower more than it helps. What 's the point, being late and getting a forbearance, or just letting it all go bad?
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

Account Name : 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 and 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.
Consumer complaint received 2021-05-21
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. (OH)

I have reached out to experian about a dispute and was informed that they did not fix the error. I filed a cfpb complaint regarding a XXXX account and was informed by XXXX that an updated aud was submitted. I have reached out to experian and they have refused to accept the updated aud and keep advising me to submit a dispute but then come back and say they will not reinvesigate. Experian is the only credit reporting agency reporting this account incorrectly and i would like it fixed.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

FAIR COLLECTIONS & OUT XXXX Alleged Debt to XXXX XXXX XXXX   in XXXX Florida. I have uploaded my actual lease that expired XX/XX/XXXX. I gave 60 day notice and moved out the weekend prior to XX/XX/XXXX. The complex did not find that I owed any damages or fees. They do not allege any debt on my occupation of the unit in question. They claim that I signed a " mystery '' lease for that same apartment and that I never paid anything until they took possession on XX/XX/XXXX. I had been living in a one bedroom sublet in another county close to my work. I never received any bills or collection notices. 

The first I heard of this fraudulent debt was when I moved down to XXXX Florida in XX/XX/XXXX and tried to rent new apartment. I was declined due to an active collection for an alleged debt to XXXX XXXX equal to {$2700.00} and reported to credit bureaus XXXX of XXXX. The " collection '' company is listed as : Fair Collections & Out XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I was admitted to a hospital in XX/XX/XXXX and was released the end of XX/XX/XXXX. That is when I relocated to XXXX XXXX FL. After the apartment that declined me informed me of these fraudulent credit reporting I contacted the the owners and managers of XXXX XXXX. The district manager claimed I somehow signed a new lease and never paid on it. Yet the charges they claim include {$50.00} to change the locks on XX/XX/XXXX. I contacted FCO and  they only wanted me to send {$1300.00} to close the case without any documentation supporting the fraudulent reporting of debt. 

Since then I have tried everything to remove this claim. Each time a complaint is filed with credit bureaus they wait until the very last day to report that the creditor verified the debt. Yet, they are never required to deliver any proof of the debt 's existence. Neither parties have ever attempted to answer the question of how I could be living in two places at the same time. 

The lease on my current Apartment ends XX/XX/XXXX. As of today I have not been able to gain approval for a new home. Giving FCO a time to respond is a waste of time since I have already provided the proof you need to order all three bureaus to rmove the collection. 

Last note. I would never have agreed to rent that apartment. I only had that large apartment as I took Family Leave and cared for my Father until he passed in that unit. I could not wait to get out of there because the memories of his passing and the grief I felt was debilitating and ultimately led to my Hospitalization. Also, the three bedrooms were needed for myself, my Dad, and a live-in caregiver hired to assist me with my Dad 's care. The complex sent nice flowers and thoughtful notes after he passed again proving the management team were intimately aware of the situation.
Consumer complaint received 2019-08-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES (GA)

I have Student loans that have the wrong address and spelling on the account. The accounts owed are not mine. I have disputed these actions. They have taken the accounts off and then put them right back on. The accounts are ruining my credit. I have sent Dispute letters into the three credit breaus on XXXX, XXXX and XX/XX/2019 about this matter. On my Credit it states that I owe nothing in student loans but they are still saying I owe XXXX.
Consumer complaint received 2022-08-10
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. (MD)

XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX ( Vin # XXXX ) for {$16000.00} and was financed through XXXX XXXXl. On XX/XX/XXXX, the car was vandalized and on XX/XX/XXXX, it was taken in to possession by XXXX car insurance. They totaled the car due to the damages done to the car. At the time of XXXX taking possession of the car, the amount owed was {$13000.00} and XXXX paid {$12000.00}. My GAP  insurance that is through XXXX XXXX XXXX XXXX was contacted ( Claim # XXXX ) and an amount of {$440.00} was credited back to car dealer and they paid the remaining balance of {$570.00} on XX/XX/XXXX. XXXX XXXX keeps reporting that I still owe a balance of {$4000.00} because they have reported to the credit bureaus that I still owed the original amount of {$16000.00} and the payment that was received from XXXX of {$12000.00} just reduced the payment and {$4300.00} is still remaining. The car was paid off by XXXX and XXXX XXXX XXXX XXXX by XX/XX/XXXX. XXXX XXXX is still reporting on my credit that my car payment has been late since XXXX and it was charged off for non payment in XX/XX/XXXX. I would like for the late payments and the charge-off to be removed from my credit. I can't get another car because of the misreporting to the credit bureaus
Consumer complaint received 2020-10-20
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. (NY)

On XX/XX/XXXX, I called the companies that that the bureaus alleged to have incorrect info and not the them - so I called to verify and they were not able to verify the wrong amounts reported, wrong open date of accounts
Consumer complaint received 2015-09-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CIT BANK, NATIONAL ASSOCIATION (OR)

Signed a Lease for XXXX XXXX printers for our little home business. ( details can be provided ) At the same time we signed a legal binding Contract for and investor in to our business that ended up being a scam but we were still under contract. Having been scammed we had to default on the lease which had been sold to CIT XXXX. We returned the machine within 18 months as that is when we found out we were scammed. Machines returned in 100 % perfect working order. Today they want {$120000.00}. They have had the machines for over a year we offered to pay the delinquency of {$14000.00} plus attorneys fees. We need to close this matter.
Consumer complaint received 2021-06-07
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: Experian Information Solutions Inc. (LA)

Inaccurate information on my credit report willams and associate how can my be opened on XX/XX/2019 And my last activity be on XX/XX/2019. Did not do an investigation when I dispute my report for inaccurate experian told me everything was verified correct.
Consumer complaint received 2017-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

JUST ANSWER THESE XXXX QUESTIONS AND STOP LYING AND EVADING WHAT YOU DID AND DID N'T DO : Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 1. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 2. If not, are they only denying sending me a rejection letter on that date? 3. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 4. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 5. Wells Fargo either needs to admit they sent me something on that date via XXXX or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny it.
Consumer complaint received 2017-07-23
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: SYNCHRONY FINANCIAL (OH)

A credit card was obtained early XXXX of 2017 in order to make a XXXX purchase. The account the following month was paid off in full. Then late XX/XX/XXXX a smaller purchase of XXXX was made towards the account. No statement was issued and thus the payment was missed following month I received a letter on XX/XX/XXXX stating, " based on a recent review of your account, synchrony bank '' has lowered your credit line to {$350.00}. Your account remains open and available for use, subject to the new credit line. '' This is as I feel an unfair and extremely deceptive practice. Especially when I never received a statement and the account was also previously paid off in full. So by missing one payment that I was n't notified on synchrony as a company chose to decrease my credit line. Then when I called them and spoke to a supervisor she told me specifically that it 's due to a soft pull on my credit, which I also did not authorize. This chain of events caused me to also have a denial for a XXXX credit line for my business, XXXX XXXX due to the account being of high balance compared to limit after the credit line decrease. I have 2 other accounts with Synchrony Financial /Bank and neither of them have decreased my credit line, in fact within the last 6 months one did under go an increase. Please help!
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

I received a letter from rent recovery attempting to collect a debt. I requested that the information be verified and was confirm that the debt was valid. Upon further investigation I discovered I was being violated due to incorrect reporting and unfair debt collection practices. I sent the letter from XXXX XXXX back showing violations, along with an affidavit of fact, a letter stating my claim and resolution along with an invoice for the aforementioned violations. The letter I sent has been confirmed as delivered.
Consumer complaint received 2015-05-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (VA)

XXXX said opened a account on XXXX XXXX 2000.I did not open an account then nor do I have one now. They say I owe {$7400.00}. I have no idea what this is about.
Consumer complaint received 2017-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (VA)

XXXX XXXX XXXX telephoned me repeatedly. When I finally answered, their representative told me I owed XXXX XXXX XXXX {$65.00} for a XXXX Credit Account. I do not have such an account, and never had. I settle my XXXX balances with my checking account or linked XXXX debit card. When I asked them to describe the purchases that totaled {$65.00} they could not. I then asked them to submit details in writing, and all I received was a paper " notice '' ( attached ) with the same amount and lack of detail.
Consumer complaint received 2017-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I sent payment of {$75.00} before the due date they have not received it. I sent it through Wells Fargo Bill Pay I sent a request they inquire about the payment. XXXX XXXX calls me every other day reguarding payment I informed them that I have asked Wells Fargo to investigate. I have even sent XXXX XXXX the case number. But they keep calling asking the same questions 1 ) my phone number, address, and about payment they keep saying they will make a note but they keep call asking the same questions.
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tried for years to help EXPERIAN to report correct addresses on my file. I have sent numerous occasions via certified mail of copy of Driver 's License for both the former and current address. To date, EXPERIAN refuses to comply! Please remove the following address from my Credit File at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Should be : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Former Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax, XXXX and XXXX refuse to fix and follow FCRA rules and regulations in ACCURATELY REPORTING creditor account information on consumers credit files. While disputing previous LATES being reported by XXXX ( ACCT # XXXX ), The Credit Bureaus recently updated that I was more than late 30 days for XX/XX/2023. My payments are due on the XXXX of each month. I made my payment prior to XXXX. How are they reporting me late after they received the payment? They are deliberately keeping me in a negative account status which is severely impacting my credit. This is fraudulent reporting and it is illegal. I have attached a receipt of my most recent payment made and also a copy of a complaint I filed with XXXX