davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
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. (AL)

My ex girlfriend opened a checking account at XXXX XXXX XXXX. After her and I broke up I called the credit union and advised then we had broke up and I would like my name removed from the account. I also stopped direct deposit of my pay check to that account. Some time after all this, my ex over-drafted the account, and it was charged off and set for collections. It also shows on my credit file. I have called and wrote the credit union several times asking for it to be removed. They still refuse to remove the account from my files.
Consumer complaint received 2022-03-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My husband and I had a home equity line of credit with SunTrust bank, which we paid off in XXXX of last year when we sold the property. We are in need of copies of 4 checks written against that account. We have spent a total of 8 hours on 3 separate occasions trying to get this information. The first call, the person said they would order the checks and they would be mailed to us within 10 days. We called to follow up in about 3 weeks and no one had a record of this. The second person gave us a ticket number, but when we called today to follow up no one could reference the ticket number. Today we both called and have been given different answers after very long hold times. The last person I spoke to said that they do not have access to records of accounts closed before the Suntrust/BB & T merger . We can not complete our income taxes without this information.
Consumer complaint received 2021-09-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I show a bankruptcy on my XXXX, XXXX and Experian credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

First Progress Account # XXXX is currently violating FCPA 15 USC 1681s-2- Resposibilities of Furnisher of information to consumer reporting agencies. DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. I have directly requested validation of Debt regarding First Progress Account Number XXXX via USPS Certified Mail XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX. First Progress Did Not Validate this debt in pursuant of the FCPA. I mailed the letters in pursuant of the ADMINISTRATIVE PROCEDURE ACT.. In addition First Progress has reported different payment history to XXXX than XXXX. On XXXX credit report is shows " No Data Available ''. On XXXX there are codes and figures in payment history. Futhermore the IRS states " Cancelled Debt '' as " gross income '' ( see enclosed IRS publication on Cancelled Debt
Consumer complaint received 2018-03-25
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. (FL)

XXXX and Transunion are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet XXXX and Transunion has yet to removed from my credit files.
Consumer complaint received 2018-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.
Consumer complaint received 2024-03-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc (VA)

Date Reported : XX/XX/XXXX Collection Agency XXXX AND XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of First DelinquencyXXXX XXXX XXXX The collection was for a wifi device that was stolen from my property and still has an active police report. I told XXXX and they copied on it. I went to sea duty and never got an notice about collections from XXXX and/or XXXX XXXX XXXX Upon my return I was surprised to find this collection notice and I paid right away. The account however was reported and still shows on my credit profile. XXXX XXXX isn't doing anything to help me out except saying that account is closed. I disputed with XXXX credit agencies and only XXXX remove it from my credit report. XXXX and XXXX are not doing anything unsure why. Request that this be removed due to the fact of me being on XXXX XXXX out to sea and not getting any consideration. It is literally XXXX USD and now hurting my prospects to get a hosue.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I have sent several disputes to XXXX, XXXX and Equifax for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but  XXXX, XXXX and Equifax states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with Equifax. 2.XXXX keep stating XXXX XXXX Credit Card is verified as Open when my dispute clearly states that it is to be charged off  with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

On or about XX/XX/XXXX, I noticed my monthly statement from Lowes had a late fee charged. I called Lowes customer service number and explained that I noticed a late fee charged and that my payment is not late. I have my monthly payment taken out on auto bill pay from my bank. The payment is made the day before the due date. My payment date is the XXXX of each month ; and it is paid on the XXXX. When I call Lowes, they reverse the late charge. Unfortunately, charging a late fee occurred every month. I had to call every month to tell them the same thing ( late fee should not be charged. payment is not late. ) and when I was charged twice for a late fee, ( one fee for being late, another fee for not paying the late fee with my payment ) -- -they would only reverse one of the fees!!! Lowes has since penalized my account because they said I am late so often ( lie ) they have raised my interest rate!! -- -- I notice on my monthly statements, that XXXX XXXX is who takes care of the monthly statements ; I have a JCPenneys  account, too. XXXX XXXX is also the institution that takes care of JCPenneys monthly statements, and I have never had this happen on my account with them. I want this fraud attempt to stop -- -- I want my interest rate put back or lowered. I have not checked my credit report as of yet, so I do not know if Lowes has been reporting late payments on it, and if they have I want all negative remarks or statements removed immediately. one more thing, I initially filed a complaint with BBB, the BBB contacted Lowes, and I did receive a call once from Lowe 's around end of XX/XX/XXXX of XX/XX/XXXX ; and have not heard anything from Lowes since ; I contacted BBB on XX/XX/XXXX for follow up telling them I have not heard anything from them or Lowes, and they said to refile complaint with BBB.
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (NV)

I have a vey common name and did not know that other peoples information would be reported on my credit profile. I just stared checking my credit and notice so many accounts that should not be showing on my credit account
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have contacted Capital One. I have been sent to many departments. I also have disputed with XXXX XXXX. XXXX XXXX said this is my debt. However, Capital One has no record of it when I call them. All I need is the correct debt collection contact so I can pay it, dispute it or otherwise. I am unable to do anything to repair the issue if the collection department does not have record of this debt. 

Can someone get me the correct account number and phone number for me to call? 

Thank you
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (IL)

i would like to file complain with BMO bank, for holding my refund and not releasing it back to my acct. even when merchant successfully refunded me, this is not the first time i have encountered this with BMO holding my money & not releasing, this particularr refund /transaction was cancelled & refunded on XX/XX/XXXX, according to XXXX XXXX XXXX & everyday i see the amount pending & BMO system keep 's changing the date of the transaction to hold the refund longer .i will attached proof below amount is {$850.00} date of the transaction XXXX XXXX2024 refunded-XXXX  XXXX2024 same day & cancelled by XXXX XXXX XXXX BMO online banking show 's inaccurate date the said transaction and as fallow 's XXXX XXXX,2024 amount {$850.00} PENDING XXXX XXXX2024 amount {$850.00} PENDING ( previous date & original transaction was changed to XX/XX/XXXX. ) i will attached proof below note that this incident has been happening with my acct specially when i have a refund not the first time & refund from them ( ( BMO Bank ) take 's forever sometime 's week 's to resolve until we file and escalate the issue & thats the only time that the bank will do something to released the money.
Consumer complaint received 2021-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

On XX/XX/XXXX I received a call from CMRE attempting to collect a debt place with it by XXXX XXXX This was CMREs first contact with me. I stated I dont owe the debt, it was written off and I had proof. I was told CMRE doesnt verify debts, the debt is valid and placed with it in XX/XX/XXXX by the hospital. I asked the the debt be verified over the telephone that moment, and the staff person told me we dont verify debts I will mark it as disputed and she hung up. 

I followed up the phone call with a written request and a copy of the email indicating XXXX XXXX was writing off the debt in XX/XX/XXXX. I asked CMRE to verify and validate the debt as indicated in my correspondence. I made a second written request on XX/XX/XXXX. I have gotten no response.
Consumer complaint received 2021-02-04
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: AES/PHEAA (GA)

I started noticing some inaccuracies on my credit report. Then I started sending letters to the companies and the credit bureaus but after about 6-8 frustrating months of sending letters and evidence of what was going on. I did not get any answers. Now I decided that I need to send a complaint to the Cfpb. 


So, over the last 6-12 months, I have been active in disputing XXXX/XXXX XXXX Account # XXXX XXXX/XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 


XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX/XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 


Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed FEBLOAN Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover the payment history is in error and I have tried to dispute with this with Fedloan and XXXX but to no avail they did nothing.
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Portfolio Recovery Associates, LLC is not licensed or registered to operate in my state which is a violation to the laws in Wisconsin. I did not sign a contract with this company, and have been trying repeatedly to get them to remove their accounts off my credit report, to no avail. I feel harrassed/
Consumer complaint received 2017-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WY)

Planned to pay off mortgage in full. On XXXX XXXX, 2017, the outstanding principal balance was {$42000.00}. Arranged online bank-to-bank payment of {$42000.00} on XXXX XXXX, 2017. Wells Fargo did NOT apply these funds like usual, but listed this huge payment as " pending ''. I knew a few days of interest and a lien removal recording fee of {$12.00} would need to be paid by additional funds to complete the pay-off process. ( The system Wells Fargo uses would not let me pay these extra costs/fees/funds through online banking. ) That is why I called the Wells Fargo mortgage office by telephone XXXX XXXX, 2017. The employee who helped me said the easiest way to complete the pay-off was to go to a physical branch. So late in the afternoon on XXXX XXXX, 2017, I went to the physical branch in XXXX, WY, and the branch manager - first name - XXXX helped me calculate the extra funds needed to pay off the loan by calling the pay-off portion of the mortgage office. That office emailed him an up-to-date pay off notice which he printed at his desk, and then cut me a cashiers check for {$100.00} to settle the issue. He stuffed the final payment due in either a XXXX or XXXX next day delivery envelope that would go out on Monday, XX/XX/XXXX, with delivery guaranteed Tuesday XXXX XXXX, 2017. The problem is that the interest and lien removal should have totaled only {$85.00} ( which is what posted to my online account ) while Wells Fargo received a cashiers check for {$100.00} on XX/XX/XXXX. Meanwhile I was sent two more letters by US mail from Wells Fargo asking me to pay two more additional amounts, neither which agreed on the amount due. However, {$100.00} payment minus the {$85.00} credited to my account means I actually overpaid by {$16.00}. I called the pay-off office to explain the wrong info and asked to be refunded the {$16.00}. The female who " researched '' the issue said I was not due a refund. Next I asked to speak to the CEO of Wells Fargo. Instead I was patched through to a XXXX XXXX in the administrative division whose title is " Executive Resolution Specialist ''. He took my complaint and said someone from his office would respond within 48 hours. I told him I was not treated right by other employees who proved unwilling to listen or be helpful and did not know if he would be an improvement. I asked for information about who to contact at the federal government level ( which he did not provide ) and told him my wife and I would be closing out our last remaining business tie with Wells Fargo by closing out our checking account. Then I began this complaint with the CFPB. Seems like an awful lot of XXXX banking experience for a simple request to be refunded a {$16.00} overpayment! A sum which I was not promised would be refunded to me.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am disputing an inaccuracy on my credit report, The account ( XXXX XXXX ) is still showing on my XXXX report and should be removed due to the age of the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX, and a decade later is still currently showing on my 3 credit reports and would like the vendor to remove it.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Previous CFPB # XXXX XXXX sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my credit score. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with XXXX for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!