davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX )
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/XXXX I received a late pay with capital one credit card i contacted capital one XX/XX/XXXX because this was still showing on my XXXX  credit report and per my research this late pay should fall off after 2 years. The representative stated that this would fall off automatically, but at this time it still shows on my XXXX  credit report.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/2017, Chase closed all my credit cards with no reason given. I appealed the decision and my cards were not reopened. On several of the cards I had paid annual fees for the next year 's service of the credit card. These fees were not refunded to me, even though I not onger had the benefit of using the account.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX and XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2021-12-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. So this day XXXX days later i have not received any respond yet. Section XXXX ( a ) Stated account should be removed if no response within 30 days I feel like i am being taken advantage of and being ignored of my disputes. I demand these account be deleted immediately or i will file litigation for the stress you've caused me.
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (GA)

XXXX XXXX XXXX is violating my rights under the FCRA by falsely/inaccurately reporting the First Date of Delinquency, failing to open an investigation when a dispute was failed, failure to respond for PROOF of FIRST DELINQUENCY. 

CPA has reported a First Date of Delinquency to XXXX and XXXX CRA 's as XX/XX/XXXX and NONE to XXXX. They report a DATE OPENED of XX/XX/XXXX - 7 days following their " reported '' FIRST DATE OF DELINQUENCY. 

The ACTUAL 1st DATE OF DELINQUENCY is XX/XX/XXXX and supporting documentation has been provided to ALL CRA 's and CPA yet all they do - IN LESS than 24 hours of filing dispute with CRA is VERIFY what they reported is ACCURATE. It is IMPOSSIBLE for an account to be 1st DATE OF DELINQUENCY and 7 days later be in collection this alone should warrant a REAL INVESTIGATION as I have established the account as being past due since XX/XX/XXXX. 

XX/XX/XXXX - Returned Payment to XXXX XXXX ( Original Creditor ) XX/XX/XXXX - LATE NOTICE / PAST DUE NOTICE from XXXX XXXX The latest dispute placed XX/XX/XXXX at XXXX - SUPPLIED with SUPPORTING DOCUMENTATION The latest VERIFIED from CPA to CRA XXXX XX/XX/XXXX - XXXX FCRA states when the account is assigned to a COLLECTION AGENCY ( CPA ) it is a continuation of the ORIGINAL DEBT - XXXX XXXX XXXX 

Companies - Credit Protections Assoc ( CPA ) CRA 's : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX
Consumer complaint received 2022-09-15
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. (MI)

Concerning complaint # XXXX filed on XX/XX/2022, Experian claimed XXXX XXXX  account hd been reported timely. I am asking for Experian to answer the following questions. XXXX. What date did Experian receive the AUD from XXXX for the XXXX, XXXX update? XXXX. What date did Experian report that information from XXXX to update my credit report. XXXX. Did Experian calculate the XX/XX/2022 information with the credit score they reported. I find it difficult how my credit to ratio dropped from 70 % to 47 % once the new balance from XXXX posted, yet incredibly my credit score stayed the same at XXXX?
Consumer complaint received 2021-12-01
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. (GA)

I spent countless times sending letters and documents to Experian only for them to lose them or when I try to upload them on their website, they always tell me that the documents are illegible. Now I have resorted to Consumer Financial Protection Bureau to help get this matter resolved. I have talked to numerous of Fraud Specialist at Experian only for them to do nothing to resolve this matter. Experian representative XXXX is totally useless and unprofessional with an " I do not care '' attitude. I sent multiple certified letters to Experian only for them to respond after the 30 days time frame which is illegal and they are breaking the law. 

I have attached a letter from XXXX stating for Experian to remove and delete this fraudulent account which Experian refuses to delete and remove. The following accounts need to be deleted and removed immediately due to fraud and identity theft. I did not benefit from any services of these fraudulent accounts : 1. XXXX XXXX XXXX Account number # : XXXX Balance : {$8600.00} 2. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} 4. XXXX XXXX XXXX Account Number # : XXXX Balance : {$0.00} 5. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$3000.00} 6. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$10000.00}
Consumer complaint received 2023-03-24
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: AMERICAN EXPRESS COMPANY (IN)

In accordance with the fair credit reporting act, this creditors have violated my right. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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. 

15 U.S Code 1681e- Apersonmay not procure aconsumer reportfor purposes of reselling the report ( or any information in the report ) unless thepersondiscloses to theconsumer reporting agencythat originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose undersection 1681b of this titlefor which the report is furnished to the end-user of the report ( or information ). 

The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 

Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (WA)

I currently have an Ulta store account. I have never changed the process and how I made my payments to them. Ive never opened a second account, Ive always just had one account with XXXX. Two months ago for some reason they credited my payment to a different account and sent me two different statements showing both my current account and the closed account with now a - {$40.00} in the balance. Meaning that I over paid by {$40.00} on an account that doesnt exist. Ive talk to Ultas customer service to try to remedy this and get my {$40.00} back. I show my bill pay as successfully sending XXXX a payment. I have a statement from XXXX showing that they have a closed account with me that has a {$40.00} balance in it that is owed to me. Yet I can not get anyone at XXXX to refund that money.
Consumer complaint received 2021-12-01
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: ALLY FINANCIAL INC. (OH)

I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results. I was locked up in federal prison from XXXX to XXXX and I would like to have those fraudulent items removed from my credit report being that it is documented that I XXXX XXXX was XXXX.I would like for auto loans and retail card information to be removed from credit report also being that it is fraudulent.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX XXXX XXXX needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : XXXX, EQUIFAX and XXXX.
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: USA Cash Services Management, Inc. (UT)

Company : USA Cash Services I got an installment loan around XXXX or XX/XX/2019. Originally I had planned to pay the loan back early to avoid all the high interest accruing, but because I have medical issues and unpaid medical leave away from work, I have had a reduction in pay and I am unable to make the payments to this company. I have explained my situation to the company, but we were not able to come to a resolution. I explained that I needed some time to pay or to try to come up with an arrangement to stop the interest from accruing while I pay the balance down. I was advised that there is nothing that can be done unless I pay the balance in full. I explained that because of the time away from work, I am not able to make the i weekly payments, let alone pay the loan in full - I asked if there was ANYTHING that can be done, even if I made a partial payment. I was told that even if I made a partial payment, it wouldn't really make a difference because it would not be enough to keep it from going to corporate collections, and it would only go to interest. I can not afford to pay this loan at all because I have other bills that are more important ( rent, utilities, car payment, car ins, food, etc. ). 

I want to find a resolution, but I am very afraid that this will soon go to collection and will be added to my credit report as a collection account.
Consumer complaint received 2020-01-27
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. (SC)

This is an official grievance against XXXX XXXX based in XXXX, Georgia. This company is reporting an incorrect payment status. This company has consistently disturbed my consumer rights under the Fair Credit Reporting Act and has resulted in much unneeded financial AND XXXX XXXX. For starters, they're reporting an incorrect 60 day late payment status on an account on my credit file. I have always paid this account on time and it has been paid in full. I disputed the incorrect payment status in XXXX, XXXX, XXXX, and XXXX of 2019 and received no responses. In spite of my efforts to remedy this depressing problem for many months now, XXXX XXXX has entirely overlooked my interactions and legal submissions to correct this erroneous information on my credit report. I am quite aware of the many, various other grievances filed towards this company for their unjust and questionable business. This company 's less than professional interactions or lack there of has caused severe harm, not only to my capability to initiate credit & good interest rates, but also to my character as a Professional and as a person. Please allow me, and the countless other consumers just like me, to put a conclusion to the performance of these ghastly business habits immediately. I genuinely appreciate your time and service in this matter and hope to hear from you very soon.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (SC)

Ive banked with Chime for about 4 years. On XX/XX/XXXX I received an alert that stated CHIME Alert : Did you attempt this transaction? For {$100.00} on XX/XX/XXXX ; at XXXX XXXX? REPLY Y to accept or N to decline This Transaction. Reply STOP. So I replied N. I received a message within the same minute stating Thank you for response! A customer service agent will contact you shortly. I received a call from the Chime customer service number. The customer service agent had explained that someone was attempting to log in to my online banking to do fraudulent activities, and in order to properly receive the alerts on my end they needed to run sample tests. The agent assured me these were just sample tests and the money would go back into my account with 24-72 hours. The first test was for the amount of {$1500.00}. The second was {$500.00} through XXXX. The agent explained that my account was under investigation and would give me a call tomorrow for an update. The next day they called me and asked to do another sample test since they restarted the system so my correct information would be in, they also asked for my social security number. Did another sample test of {$3500.00}. Since my correct information was in the system now, I was going to receive messages for the transactions of the sample tests and instructed me to reply N to all of the alerts. Which Stated, Chime Alert : Did You Attempt This Transaction? 
For {$1500.00} on XX/XX/XXXX ; at Chime Wallet? REPLY Y to Accept or N To Decline This Transaction. Reply STOP. I waited a couple of days and called back to chime to ask about my money. I was transferred to a supervisor who informed me that I was scammed!
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (FL)

I have a loan with BMW financial my payments are automatically taken from my XXXX XXXX checking account each month. I had this load almost 2 years now. I don't know the reason why and BMW financial  never told me the reason why the payment of {$1100.00} for XXXX XXXX XXXX was taken from my bank account twice causing XXXX XXXX XXXX to charge me overdraft fees and put other wrongful limits on my checking account. I call them and let them know that and they stop the reaccuring draft because it tried to get withdrawn several times. But XXXX XXXX XXXX still did not take out those overdrafts they just refunded a portion of the fees and I just have to live with those over drafts on my checking account.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I fell behind on our mortgage due to the XXXX XXXX ; I called my lender XXXX to ask for a forbearance program, which they approved me for. Eventually I went back and forth with XXXX... some reps would say I was still approved for extensions while others said I wasnt. Eventually I applied for a loan modification, which I was told I qualified for ; XXXX gave me my new rate terms and payment. I was extremely relieved and happy. Within XXXX weeks I was told that the approval was done in error, and that I need to start the mod process all over again, which I did. I submitted all the required docs and scheduled the XXXX to be done on the property ... which it was. XXXX then denied my modification because I was at 72 % XXXX and the cutoff was 80 % XXXX : I submitted an appeal asking for any type of assistance just to get back on track. Today XX/XX/21 they just sent me another denial : I am asking for assistance with saving my home and getting back on tract. I am willing to restart the mod process and ask for another appraisal.
Consumer complaint received 2018-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I have been disputing with Source Receivables Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}. However, XXXX, as of XX/XX/18, shows Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Source Receivables at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get Source Receivables to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.
Consumer complaint received 2021-12-01
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 — Their investigation did not fix an error on your report
Company: NCB Management Services Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Consumer complaint received 2021-12-01
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. (GA)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (MD)

Original Creditor : XXXX XXXX XXXX Current Owner : XXXX  XXXX XXXX  Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$440.00} Account Number : Ending in XXXX Original Creditor : XXXX XXXX Current Owner : XXXX XXXX XXXX Resurgent ID : XXXX Current Balance : {$430.00} Resurgent capital services is the debt collection company that has emailed and text me for far to long. I have even be curse at over the phone by one of there representatives when I asked for a debt validation letter.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX, XXXX, Transunion FRAUD Account # XXXXXXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of Trans Union not complying with the consumer law if not remove immediately I will be filling for damages with the law