davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts below : Account name : XXXX XXXX Account Number : XXXX I dont have the full account number but this is whats showing on my credit report. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ATG Credit, LLC (TX)

I defaulted on a student loan from XXXX back in 2018. The debt has been sold to multiple collection agencies since. The Most recent collection agency trying to collect the money, in amount of {$6000.00} is ATG Credit. They refuse to provide any documentation of my signature that I signed a contract/promissory note/financial instrument with ATG collection agency. They are reporting a collection account listed across all credit bureaus ( XXXX XXXX, and XXXX. ) I do not owe ATG money. I have never signed an agreement to repay a loan with them.
Consumer complaint received 2021-08-07
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. (MS)

Account Name : XXXX Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.
Consumer complaint received 2021-03-24
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. (MI)

I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I've made several attempt to dispute the bankruptcy showing on my reports to Experian but to no avail. I contacted XXXX XXXX the reporting company for Experian and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and Experian has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that Experian has not contacted them for any information.
Consumer complaint received 2024-02-19
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX,
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

I'm behind one payment, nearing two payments due, I was diagnosed with XXXX and going by through treatment. 
Before things worsened, I called US Bank mortgage to see if they might be able to help in some way so I can have the ability to pay for my XXXX and XXXX treatment. 
They stated they only could : Do repayment plan- meaning " catch up '' Forebearance plan- meaning " let payments stack on each other, then try to catch up '' And Refinance- meaning possibly qualify for lower interest or restart loan amortization for another 30 years but not guaranteed. 

None of this really helps in any way to consumers in my situation.
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (TN)

Account XXXX : XXXX XXXXeference Number : XXXX Right below is the latest response from PlusFour. 

" The information provided by you to us is the same that we have on file for you. If this is not your debt then please provide information proving that this person is not you. If you are a victim of identity theft or fraud there are steps that you can take. Otherwise based on the information you have provided to us and what we have from the creditor this debt is yours. You account is marked as disputed and will remain so until you are able to resolve it. '' I don't have to provide information to prove the person is not me. It is PlusFour 's job to prove it belongs. They have yet to show a signature or proof that they are authorized to collect this alleged debt from me.
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NC)

XXXX closed a MasterCard earlier this year because of a missed payment. The account is in my name but was being paid monthly by my ex-wife. I have since taking over the account and have been paying it down. However because the interest rate is so high, it is making it difficult for me to pay it off and creating a financial strain on me.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Was told debt sold to midland  and agreed to pay as long as would be deleted from my credit report and they agreed and when paid and called to see status they said original creditor would need to delete from report and they couldnt help then original creditor says they cant help because they sold debt Im going in circles. These two accounts are paid and are to be deleted as stated by midland. XXXX XXXX   a # XXXX XXXX XXXX  a # XXXX
Consumer complaint received 2018-01-29
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. (NY)

as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX NA XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX
Consumer complaint received 2018-01-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

Since the beginning of my lease, they have been applying payments incorrectly so every month my late fees were getting further and further behind. Now they are saying i owe all of that because the system they were putting my additional payments towards the base rent instead of applying those payments to any additional charges they were charging. 

Started lease payments in XX/XX/XXXX. In year XXXX I made 8 payments and including additional charges for taxes and late fees. So total of 5 late fees in that year which i already paid. Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

For payments in XXXX, Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

My statements shows i am past due payments totaling in over XXXX dollars every month when my lease payment is XXXX a month. Most of those months i paid XXXX or XXXX or XXXX higher to pay off late fees they keep on assessing. Every time they did not apply those late fees to any of my late fees. 

They will not correct the issue, and say i am still behind payments, but i have paid XXXX payments in year XXXX so i am not behind and made the full payments for year XXXX. I call the company every single month and have to correct this every time they say they will take care of it then assess me even more fees the next month. I have emailed that company to complain and they respond saying to reach a different dept no one wants to help out and i am about to take them to small claims for all the late fees i have paid them since they can't get it right and apply the payments correctly. 

Someone needs to stop this company from earing XXXX 's of dollars of people like me charging erroneous charges. For all the time i have had to miss work to call them and complain to the company they should be paying me for all the frustration and wasted hours on the phone.
Consumer complaint received 2022-02-16
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: Bread Financial Holdings, Inc. (CA)

It should be against the law to have a creditor reduce your credit line. Please realize that this causes a domino effect to our credit! A higher utilization leads to lower credit scores, which other lenders could perceive as an increase in risk and lower the limit of other cards that a consumer has. Im going to reach out to an attorney to see if this can be a cause for a class action lawsuit. This should be prohibited!!!!
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OR)

in XX/XX/2017 I XXXX XXXX went into sales and tried to open an account and upon being told XXXX would have to wait to see if I was approved after running my credit I decided I didn't want the card and was told It would be stopped. in XXXX I looked at the XXXX   account and it says I have an open card fit them in my hard inquiries and this is why I never wanted them to finish my application. I was told it wasn't sent in and it would all be taken care of. I want to dispute this inquiry because I literally said never mind fro this reason. ive never even received a card or a account number so I basically was never told if I would even have the account so I figured the info was never sent in
Consumer complaint received 2018-01-29
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-01-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On XX/XX/2017 I sent out a certified letter EQUIFAX which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. EQUIFAX sent me a report by mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OR)

A Citibank XXXX card was opened in my name back in XX/XX/XXXX by a family member without my permission and was illegally used. The ending charge-off balance was over {$700.00}. I filed an ID theft complaint not long after the account had shown up negatively on my credit report and the account was removed around XX/XX/XXXX. Unknowingly the account was posted on my XXXX credit report around XX/XX/XXXX. I only found out about the negative item after I applied for a mortgage refinance. While my refinance was successful, the account caused my credit score to decrease and made my interest rate higher than it should of been. Needless to say, I was furious at the fact that Citi/XXXX would repost an account that was already deleted. This item still stands on my XXXX report and I am demanding that Citi/XXXX remove this item. The account number begins with XXXX ... .. under the name XXXX XXXX XXXX .
Consumer complaint received 2021-03-24
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. (MI)

I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NC)

I attempted to use my American Express card to purchase tickets to a show at a website which I had not used before named XXXX. I was unfamiliar with the website and attempting to put together a trip. I did not realize that what I was purchasing was so expensive and that it included trip insurance, and a few other add-ons. This occurred on XX/XX/XXXX. Suddenly, I realized that the total purchase price was {$940.00}. At about the same time, my potential transportation fell through and I decided to cancel the trip for good. When I received no response from the email XXXXXXXXXXXX, I attempted to contact the trip insurance ( which I had not realized that I was purchasing ) email address about cancelling the trip -- - All on this same date of XX/XX/XXXX I phoned American Express and indicated my predicament and mentioned that I wanted to cancel immediately. At first, American Express told me I could do nothing until the purchase was actually charged, then when it was charged, I was advised to file complaints, which XXXX  refused to resolve. I never received an answer from the vendor, or so-called 'trip insurance '. I attempted to cancel with every party within an hour or two after the purchase. Have never had bad experience with other credit card companies, and clearly the XXXX folks were not willing to negotiate this with me. I have sent them appeals through out the year ; In the year XXXX, the purchases on my XXXX card totalled about {$20000.00}. I have enjoyed 40 years of paying the XXXX bill promptly and there has never been this kind of dispute previously with XXXX representatives refusing to ameliorate. -- It really appears that XXXX was deceitful and tried to trick me to be responsible for a charge for which I did not benefit.