davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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)

I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from XXXX, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability.

I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than XXXX  days ago, I filed a dispute with XXXX regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via Certified Mail ( Tracking Number : XXXX ), no tangible progress has been made in resolving this issue.

In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing.

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue.

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-07
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. (NY)

The balance on my XXXX credit card has been reported inaccurately since XXXX 2017. I contacted TransUnion and XXXX to correct this problem on XXXX XXXX, 2017 and again after the disputed results remained inaccurate. The balance on the account has been {$0.00} for over a month and I submitted the XX/XX/XXXX bill to TransUnion with all transactions and {$0.00} balance as proof. XXXX reports are accurate in both XX/XX/XXXX and XX/XX/XXXX and shows a {$0.00} balance. TransUnion shows a balance much higher than my credit limit, as owed. This inaccuracy continues to negatively impact my credit score.  The TransUnion File # is XXXX.
Consumer complaint received 2017-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2007, I did use my Chase debit card 5 consecutive times without knowing that I did not have enough fund to cover those transactions ( {$25.00} ; XXXX ; XXXX ; XXXX andXXXX ). For that reason, Chase did charge to me the amount of {$170.00} XXXX this is a {$35.00} each ). I did write a letter telling them that warning to me or decline the first time my debit card would be the right process to do, but Chase did approve these transactions and penalized me with all those astronomies charges, instead.In my letter to JPMorgan Chase, I did try to resolve the matter but the response I did receive it was a negative one and provoked the fact I had to close my account with that bank.
Note : I did not close my account because of those 5 transactions but because Chase did the same  process on 3 ( {$25.00} ; XXXX and XXXX ) more transactions which I was reluctant to honor.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (MA)

I am receiving letters from a company that represents XXXX. They are claiming that I owe them {$180.00}. I do not. Upon cancelation of my service from XXXX I asked the representative if I was clear of my obligation to them and they assured me that I was. I am receiving messages threatening my credit rating and I don't owe them anything.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (GA)

My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial is collecting on behalf of XXXX XXXX. They submitted a negative credit report even though I disputed it. They have contacted me about multiple claims, most recently in the amounts of {$550.00}, {$460.00} and {$300.00}, for medical services that I declined and they provided against my wishes. Their physician apologized to me at my  release because of their provider 's error. Bull City finally removed an old claim from my credit that I disputed for years but they are still trying to collect. 

I have tried to dispute with XXXX and with Bull City, but Bull City refuses to even acknowledge that I am trying to provide information to correct this error, and XXXX keeps trying to get me to fill out paperwork for XXXX XXXX but will not address the error.
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (NM)

I tried to use my unemployment eppicard and it got declined!! I right away checked online like I usually do to see what was going on. It did not let me log in and it kept saying suspend/fraud activity. Called costumer service about 20 times and actually stayed 5hrs in hold for someone to never answer!!
Consumer complaint received 2023-01-31
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2022-04-05
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. (IA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

Fay servicingin the selling our house in a foreclosure we do not know if they have the authority because we have not received a notice of servicing transfer and we have no paperwork stating do they own the loan and we want them to prove a chain of title transfer
Consumer complaint received 2021-05-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTECH DIVERSIFIED, INC. (TX)

I got hurt at my job which at the time was XXXX, XXXX the owner took me to the ER which was XXXX Texas ER. He had paid the bill in full I was under the impression that he had taken the bill through his insurance and paid it full. So I have tried contacting the collections to get it off my credit. They have not been communicating with me. I tried disputing it nothing has changed.
Consumer complaint received 2020-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

I have tried to make goodwill attempts to resolve account issues and I have been told false information regarding account. I was initially refused my right to change due date on account when it was current due to a job change in 2019. Which has had me in a bad position when I make payment another payment is already due. I have been making payments consistently above minimum trying to play catch up for past 4 months just to find out every payment has went to all to interest 100 % ... I have spoke with numerous departments with no resolve. I have been impacted by Covid situation and have been constantly threatened of repo even after payment made. I was told to call again when I made review on company but nothing came of it. I was told again that they hands are tied. I am aware that the vehicle I have Im paying almost double wat the worth of vehicle XXXX XXXX price and Even though Im making above minimum payments and consistently Im still upside down and company is reporting negatively on my credit report even though Im making above payments.
Consumer complaint received 2020-09-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation (OR)

I provided detailed information to this company that i had overpaid XXXX XXXX XXXX  XXXX in full, and was due a refund that i disputed XXXX XXXX. XXXX provided the credit. 
XXXX sent to collections to XXXX XXXX that i provided with all the documentation. At which point they said they would go back to XXXX to obtain proof of the amount due in the first place. Which was never provided. I don't know what legal action i can take, but will be suing them if they damage my credit, which i received a letter that they threatened to do. 
I have proof i owe nothing to them, already paid to XXXX all amounts due. 

This damaging and i would like XXXX XXXX held responsible for unfair debt collection practices as they have no proof that i owe any amounts.
Consumer complaint received 2020-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Their response was a billing statement to my complaint through the CFPB which proves nothing. A statement is not proof this account is mine. Continuing to play games with me and my credit theyre going to find themselves in a class action lawsuit because if they did this to me Im sure theyre doing it to others. So I will make this issue well known. If I open a card in somebody name and run it up youre going to give a statement to the person whose name the card was in. That doesnt prove it was theirs. It should be some proof provided when and how this card was applied for because it doesnt look familiar to me
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (ME)

Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.
Consumer complaint received 2022-04-05
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. (TN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Consumer complaint received 2022-08-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2017-08-07
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: EQUIFAX, INC. (TN)

To whom this may concern, I have asked XXXX and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MN)

PLEASE MAKE THIS INFORMATION PUBLIC. 

Attach is the screenshot showing illegal double charges by AppleCard. 

Several unsuccessful attempts have been made to solve this illegal charge. 

Complains were file with the CFPB. AppleCard started to act after several complaints were filed with the CFPB. 

It appears Apple Card is in the habit of illegally overcharging the customer
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

In XX/XX/2020, I attempted to set up automatic payments on my target card, in XXXX my card was declined, when I contacted Target Card Services, the employee advised me that there was a mistake and the reoccurring payment was only for one payment. 

I advised them when I set this up, that was not explained to me, and made no sense. The employee I spoke to said that shouldve been explained to me and that she would remove any late fees or reports to the credit bureau, due to the payment plan not being explained to me correctly. 

On XX/XX/2020, I was notified by my financial expert, that there was a 30 day late reported to credit bureaus for XXXX. I immediately contacted Target Card Services, and spoke with the employee/supervisor XXXX. XXXX said she could not remove the reported 30 day late report, even if it was there fault. I explained to her that I was told months ago it would be removed from my account, and she said there was nothing she could do on her end.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION (CT)

I have a motor cycle loan with fifth third bank, which was previously held by XXXX XXXX. My loan balance as shown on my statement and my account was {$2500.00}. However I was told my pay off amount was {$5600.00}, with no explanation or breakdown of fee 's. 
A vehicle loan should incorporate interest into the total payment and divide it by the life of the loan. Late fee 's where applicable was attributed to the next months payment. I do understand that there could in some instances be early pay off or fees associated with early payment, my understanding is that those typically a percentage of the remaining balance. In this case my remaining balance was {$2500.00}, which couldn't possibly justify a pay off amount of {$3000.00}. 
I have not been offered any explanation or breakdown as to what this charge is or could be, rather I have been offered a history of the loan since they acquired it approximately 2 years ago, and theoretical hypotheticals based on interest and late fee 's which make no mathematical sense. 
As of today after paying what was my remaining balance of {$2500.00} my account shows an outstanding balance of an identical XXXX, but based on the payoff amount offered today that balance would actually be {$3000.00}. 
This feels like predatory lending practices by fifth third bank charging fee 's without explanation or rationale and holding the title to my property for penalties that haven't been explained through 4 customer service calls and management escalation.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$870.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (OH)

I got an email that I had got a loan out from Speedy Cash or XXXX XXXX XXXX. That I owed XXXX dollars and had to pay it right now or I would be charged with fraud and be suied for $ XXXX in court. I never got a loan out from them or anyone else lately. I do need a loan but have been denied. I called both companies they have no loan on file for me or even an account. I never received paperwork for a loan and no money was ever put into any bank account.