davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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: Bread Financial Holdings, Inc. (GA)

Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now  asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a kays. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Addresses are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-14
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: DISCOVER BANK (GA)

Greetings! For the past 3 months ( 2020 ) now I have humbly been working to clear up any and all errors on my credit report. In XXXX, XXXX and XXXX I have been working on asking the credit bureaus along with some companies to correct their wrong. I followed the blueprint I was allowed given the USA Law on the dispute process however these companies have gone to great lengths to violate and break the law. Now that they have done so month after month after month. I am humbly asking if you could please help me correct their error. They did not prove or validate anything to me according to the supreme law of Credit Reporting 3 months in a row. I am now asking to please have them correct their error. 
XXXX sent me a letter of a bill.. I don't ever recall walking or stepping foot into a XXXX  in mylife. 

This was like the time Soneone had open a XXXX XXXX card and I never still till this day walked or been inside a XXXX. I had that removed also. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ),. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2017-08-29
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. (SC)

This occurred from XX/XX/XXXX-XX/XX/XXXX The company is XXXX XXXX XXXX XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. XXXX has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( XXXX ), and even had a credit helping agency work on our behalf, but XXXX will not remove it, and it is false and erroneous.
Consumer complaint received 2023-01-28
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. (WI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (CT)

This company credit acceptance claim a contract is fraudulent altered for XXXX XXXX a dont know with what purpose maybe for get the approved for the bank he altered the down payment is XXXX contract say XXXX price of the car XXXX contract say XXXX over charge around XXXX dollar a contact credit acceptance and this company dont do no investigate they offer a settlement for XXXX a not accept that a they claim a accept that offer this company drain my credit with fraudulent contract a dont go to accept less of remove this account of my credit report and close this account if is posible contact XXXX XXXX the person on the contract
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I called the Experian customer support line to inquire about wrong information in my credit report. After waiting on hold for about 15 minutes, I spoke with an agent that was unable to assist me so she connected me to a dispute specialist.I can't recall his name but he had an XXXX accent. I certain there are phone records to validate. However, he was very rude and as I was having trouble understanding him due to his heavy accent. Long story short : he became frustrated and told me was going to hang up the phone in my face. I responded, that if you do that it would be very rude and I would contact his boss. He hung up the phone in my face.
Consumer complaint received 2017-04-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

I opened a credit card with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX I was separated from service with the XXXX with a debt I could not pay and I remained unemployed until XX/XX/XXXX. The debt was sold to Transworld Systems Inc. in XX/XX/XXXX-XX/XX/XXXX while simultaneously Treasury Offset was initiated by XXXX. Recently ( XX/XX/XXXX ) I received a letter from Transworld Systems Inc ( TSI ) telling me that the balance that I owe was several thousand over the initial debt and that TSI was attempting to garnish my wages. I contacted XXXX to provide me with the initial debt amount, I was told by a representative that they did not have that information. XXXX has collected my tax returns since XX/XX/XXXX leaving me with nothing and has allowed TSI to charge interest on my debt while not providing any evidence to support the continued offset of my tax return. I have contacted TSI for verification of debt with no response. I am currently seeking legal counsel for this blatant disregard of Federal law simply because XXXX is considered a Federal Agency. Please advise or take action on this matter, I am not the only one who has been placed in this situation.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX Balance : {$0.00} WFDS XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$510.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL (TX)

In XXXX XXXX I bought furniture from Rooms-To-Go. The sales person misled me and asked for my date of birth, income, and social security number. A month later I got a credit card in the mail from Synchrony Bank when I did not agree to or sign for a credit card. I called XXXX XXXX, XXXX to cancel the credit card and was able to. I still want to complain about XXXX and Synchrony Bank about the unauthorized used of credit.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my XXXX XXXX XXXX Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he XXXX XXXX XXXX and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX Cap One Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.
Consumer complaint received 2018-07-11
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. (MD)

Purchased one office chair in XXXX. XXXX sent two, then issued XXXX return. I got confirmation that they received return. However, they recharged me in XXXX for another chair. I had paid for the chair I bought, but their internal investigation keeps saying that my bill, now accumulating late charges for months, is correct. I got one chair and paid for it, but I am still Being reported as delinquent. The bank behind it, XXXX, sent me a letter stating that the investigation was closed and they were right. Please help.
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Since XX/XX/2019, I have been trying to receive verification of debt from Portfolio Recovery Associates, LLC. All request have been sent registered mail with signature returned. The account that PRA is trying to collect is listed as my legal name and a unknown company name. After repeated request PRA has failed to produce any documents with any signature 's or legal binding information and refuses to close account and remove from all 3 credit reporting agencies. Also have disputed with all 3 major credit bureaus and not one has been able to provide proof of debt from PRA but have failed to remove as well.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C.Tech Collections, Inc. (NY)

So I have received the same collection notice about a {$100.00} XXXX XXXX XXXX XXXX bill from CTech Collections and have confirmed with XXXX  I have a XXXX balance under Acct number XXXX. Despite calls to CTech they continue unabated with harassing phone calls and letters.
Consumer complaint received 2023-01-23
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. (TX)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer REPORTING agencies which is XXXX, XXXX and transunion did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (TX)

Im XX/XX/XXXXAND XX/XX/XXXXoff XX/XX/XXXXI am being reported as missed payments resulting in negative credit drop I have nicely tried to dispute this multiple times Directly with the lending club, then I have tried to dispute with the credit bureaus, if lending club truly records phone conversations they can go back and reflect on the fact that we had total job loss due to Covid, during Covid no company is supposed to report negative credit, the payments were made and caught up, also LENDING CLUB Has been directly debiting automatic payments from my bank account ever since I got another job, ( I can prove this ) and as of today lending club has reported that I am late on those payments as well, according to the drop in my score again. Due to the illegal practices of reporting negativity during Covid and MY job loss I would request that once and for all lending club delete ALL negative reporting to all three credit bureaus. This is illegal practicing and when I do call, most of the people you speak with do not know what they are talking about or false information, again if they have recorded phone calls they can go back and reflect on those and see that when I called and the individual I spoke with assured me there would be no negative reporting during my job loss and covid which is actually still happening.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I would file a dispute and the dispute will open and close out on the same day. No real investigation is done and this has been done several times. 

I am a victim of identity theft and several information breaches including Equifax. Someone has been using my information to acquire things for personal gain.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

My mortgage was transferred to BSI Financial, as servicer, in XX/XX/XXXX. The first PILOT ( payment in lieu of property taxes ) payment for XXXX to the municipality was due on XX/XX/XXXX ( note that these are paid out of escrow ). I called BSI Financial customer service on XX/XX/XXXX, spoke to someone and informed them of my issue, and subsequently emailed them the overdue notice from the municipality. Since then, I've received another overdue notice from the municipality and subsequently I have called BSI Financial customer service two additional times. They claim that they are escalating the issue, but no progress seems to be made. I have no confidence that my PILOT payments will be made on time for this quarter or in future quarters.

Also note that this is the second CFPB complaint I have had to submit against BSI Financial since my mortgage was transferred to them in XXXX.
Consumer complaint received 2021-02-22
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: Global Lending Services LLC (AR)

I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.
Consumer complaint received 2018-07-11
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: Experian Information Solutions Inc. (MD)

My wife and I submitted a request to XXXX and Experian over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.
Consumer complaint received 2017-08-29
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. (AZ)

I pulled up my credit report from all three credit bureaus, Experian, XXXX and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XXXX 2009 on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the Arizona XXXX XXXX on XXXX XXXX, 2017 requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XXXX to XXXX 2017 to Experian, XXXX and XXXX on the bankruptcy and they all responded back by saying the information was verified.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I pulled up my credit report from all three credit bureaus, XXXX, Equifax and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the XXXX Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX to XX/XX/XXXX to XXXX, Equifax and XXXX on the bankruptcy and they all responded back by saying the information was verified.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

for the past several years I have been trying to get my fraud charged off checking acct cleared up and NFCU refuses to follow REG E pertaining to the fraud> also I feel racially profiled as a XXXX woman in her late XXXX. I want my acct reopened and the fraud charges removed from my acct so I continue doing business with NFCU. Also I have since moved
Consumer complaint received 2020-06-27
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. (GA)

I have contacted XXXX, XXXX and Experian to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX   account. XXXX  put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over XXXX points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony bank sent a notice with my latest bill ( received XX/XX/24 ) that starting within the next 60 days, a {$1.00} paper statement fee will be charged to my account each month I am sent a paper billing statement with a balance greater than {$2.00} ( even if one is also provided to me in electronic form ). 

They are trying to charge me for a billing statement.