davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2020 I received a letter via XXXX from XXXX XXXX XXXX regarding a Comenity Capital Bank My BJ '' s Perks Mastercard. On Monday, XX/XX/2020 I contacted XXXX XXXX XXXX via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from XXXX XXXX XXXX I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed XXXX XXXX XXXX that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from Comenity Capital Bank My BJ 's Perks Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that XXXX XXXX XXXX sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe XXXX XXXX XXXX any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form XXXX XXXX XXXX harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.
Consumer complaint received 2017-08-01
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: EQUIFAX, INC. (MO)

THIS IS MY THIRD REQUEST TO DELETE THESE ACCOUNTS FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE NOR APPLY FOR. XXXX DELETED THE INQUIRY BUT NOT THE ACTUAL ACCOUNT. WHAT SENSE DOES THAT MAKE. THEY DO NOT BELONG TO ME XXXX XXXX CARD AND XXXX XXXX ( XXXX XXXX ) If you viewed the attached documents.. My birth certificate CLEARLY shows my correct date of birth which is XX/XX/XXXX.. That is not what 's being reported. Please be advised that this is my THIRD WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.
Consumer complaint received 2016-05-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I am in correctly being wrongfully reported as, " late payment '', on my car loan. I bank with Wells Fargo and have a car loan with their, " Dealer Services '', division of Wells Fargo Bank. I sent XXXX payments to Wells Fargo through their bill pay portal attached to my checking account to pay for my Car loan payment. In XXXX occasions the payments were not processed immediately, they were processed several days after I had authorized the payment and thus rendered late by, " Dealer Services '', claiming that they are separate divisions and if I want a payment to be process immediately I have to do it through the dealer portal, which I since have started to do. The last payment that was authorized on Saturday the XXXX / XXXX / XXXX and was not processed until the XXXX/XXXX/16 on the other end of the, " Dealer Services ''. This is the same bank, Wells Fargo, and they have deliberately reported negatively to stop me from pursuing a refinancing on my car loan that is at an Extortionate rate of XXXX % for this loan. They refuse to refinance it and are attempting to sabotage my credit score by withholding payment and not processing my payment on time to impact my credit score. 

Please help me take these negative listings off as they are the only negative information that is on my credit report and impacting my ability to qualify for a mortgage loan. 

Thank you very much for all your help and great service you provide to the consumer.
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2018-07-03
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: Consumer Portfolio Services, Inc. (VA)

To the lender : Hello all, Im writing this letter hoping to finally get a resolution to an ongoing issue that Im having with Consumer Portfolio Services. 

Years ago, my vehicle was repossessed at the end of my loan ( I was behind in payments by 2 months when my loan matured ). My car was repossessed in XX/XX/XXXX. I recovered the vehicle in XX/XX/XXXX. 

Again, I recovered my vehicle and paid the balance of the loan in full. 

Since then, I have tried very hard to improve my credit and financial status. 

I am now trying to qualify to buy a home. 

***CPS has reported to the credit bureaus, continuously, that not only AM I CURRENTLY 90 days late, but that I have an active repossession. CURRENTLY! *** I own my vehicle in full. You have your money. 

This reporting is hurting my ability to qualify for a home and prosper in other areas of my life. 

I have reached out to your accounting department to beg them to remove the item and that route has been unsuccessful. Ive been trying for months with no help. 

In addition, a recent report was entered from CPS that I was late again! How can this happen? ( screenshot below ) I understand that your company can leave those items on my credit for 7 years and that its up to your discretion as to whether you want to continue reporting this or not. 

Im at my wits end trying to figure out how to fix this and I am begging you for help here.

Its been OVER four years since Ive paid the loan in full. 

Our business is done and was a win/win for both of us as far as your company receiving interests and fees, and me owning my vehicle clean and clear. 

Ive paid my dues. 

Please! Be kind and help me by removing the item from all three credit agencies completely. 

Thanks much for your consideration.
Consumer complaint received 2021-09-14
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. (FL)

on XX/XX/XXXX a charge-off account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$5.00} ,850 to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX I opened XX/XX/XXXX FOR {$5800.00}, XXXX XXXX XXXX opened XX/XX/XXXX for {$0.00}, XXXX opened XX/XX/XXXX FOR {$0.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2024-02-29
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-06-04
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)

On XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX XXXX pulled my credit check or whatever, I never spoke with them or gave them permission to do so. I called the company and asked how could they do that and how they got my information to do and wanted to dispute it and was told to dispute it with the credit agencies. There was also checking account inquiries recently that I did not do, I don't know with what banks, credit report says last one was 17 days ago and I haven't inquired since I started banking with XXXX XXXX sometime around XXXX.
Consumer complaint received 2020-08-25
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. (LA)

Transunion should not be reporting that I am ( 60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-07-16
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. (TN)

I have 2 inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on my credit file
Consumer complaint received 2017-08-01
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: DISCOVER BANK (TX)

I have a Discover credit card account, and on my statement I noticed a purchase on XX/XX/2017 from a clothing company in Arkansas. I did not recognize the charge. I immediately notified Discover and they began an investigation. On XX/XX/2017, I received communication from Discover stating that " The dispute was previously resolved in your favor, but after reviewing this new documentation ( from the merchant ) we 've determined that the transaction is valid ''. I have also reviewed this " new " information provided to discover from the merchant. On one page the merchant says it was a telephone/mail order. Then a hand written note states the order was made by e-mail. The merchant complains the charge back was invalid and now Discover has reversed its decision. A matter of note, much of the documentation from the merchant is unreadable due to small type and poor copy quality. Also, on one page the merchant is named as " XXXX XXXX '' and on another page as " XXXX XXXX XXXX ''. The purchase in question is listed as clothing. I absolutely did not order clothing from this company. I do n't see anything new here, just contradictory information and/or statements. Discover also states, '' We are required to report your account to the Consumer Reporting Agencies as a disputed account ... '' This appears to me as a muted attempt to intimidate the customer into removing the complaint.
Consumer complaint received 2022-10-12
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. (ID)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (LA)

I have a debt filed by National Credit Systems for XXXX reported XX/XX/2020. In regards to technicality, a formal letter was never received notifying me of the inaccurate collections before it was put on my report by the agency.
Consumer complaint received 2021-03-03
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. (FL)

Information is reporting on my XXXX XXXX  and Transunion reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being removed.
Consumer complaint received 2022-02-17
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. (CA)

XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.
Consumer complaint received 2019-06-04
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: CFS Holdings, Inc (TX)

I received my Credit Report from all 3 credit bureaus, & a Inquiry is showing for CONFIDENT FINL SLTNS/W on XX/XX/XXXX & XX/XX/XXXX. It is showing that someone tried to apply for a credit card from CONFIDENT FINL SLTNS/ using my identity. I have never tried to apply for a credit card from any company as I have no effort and do not wish to have credit cards.Also I am victim of fraud and are taking the necessary steps to resolved this matter as well. I have called CONFIDENT FINL SLTNS and explaining that this was fraudulent and have spoken with several representatives but have not been successful of getting this Inquiry removed.This mark is very damaging to my credit and I have no knowledge of this, and will like to have this removed expeditiously.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (PA)

I ordered my credit report in XX/XX/XXXX, and looking on it I found a credit item that I didnt recognize, so I tried reaching out to them which is called XXXX XXXX and ask for verification of the debt, I spoke with someone on the phone and they said they would send something out, I never received anything, so then I sent in a letter requesting the information on XX/XX/XXXX via certified mail, Still I havent received anything yet So I tried to dispute with Experian twice and they keep sending the report back as accurate, without showing me how they verified it, I asked to see something with my signature or a canceled check stating it is mine, and they are refusing to prove the debt to me.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

a. I fully paid off all my charges in XX/XX/2018 for my Citibank AAvantage Card. 

b. I called in XXXX to close the account and was assured by the agent I spoke with that I did not owe anything including the annual membership fee. 

c. At the end of XXXX, I received an email stating that my account was past due and I owed over {$600.00} due to the annual fee remaining on the account and accruing interest and late fees. I had not been receiving statements since we moved to XXXX and assumed the account was closed after the phone call in XXXX. 

d. After numerous lengthy phone calls, which culminated with Citibank reviewing the audio transcript of my XXXX call with the agent to close the account, Citibank acknowledged the error and removed the annual fee, all the late charges and interest. 

e. Now I am trying to purchase a new home and the only blemish on both my wife and my credit reports is this issue that was reported by Citibank as the account being 90 days past due. This has dropped our scores significantly from a 30 year unblemished history. 

f. I have requested that all the adverse reporting be removed, but several weeks later after multiple phone calls nothing has happened. Several of the agents that I have spoken with have admitted the Citi error. I'm sure these calls were recorded I am a XXXX  veteran with four tours in XXXX and my wife is also a veteran. Between the two of us, we have nearly 50 years of service and this is the first time we have had negative items on our credit report. Please help.