davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (WA)

Who, What, When, Where, Why, and How?

I am Authorizing this Dispute I was contacted by a notice by CB/Express attempting to collect a late payment debt that I am unaware of seeing that I always make my payments ontime so I am not agreeing with this information. They reported negative and defaming information to my credit report beginning XX/XX/2022. I have not received and sufficient information in order to validate this matter. I do not agree with their actions. i have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) States Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) States also Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Consumer complaint received 2021-05-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent a letter on XXXX to XXXX XXXX, and Experian regarding an inaccurate item I found on my credit report, and to this day I have yet to see a response. I truly feel as is the credit bureaus are ignoring my dispute. As a litigious consumer I understand my rights and demand this account be deleted or I have no choice then to file for litigation. On top of this issue my personal information was impacted by the XXXX data breach, and could have fallen into the wrong hands. Lastly, I will add this section 611 ( a ) states that a failure to investigate within 30 days gives a reason to immediately remove those items from my credit report.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

How can i already try to fix something when I come to u first, and u act as if there is somewhere also to go to get stuff like this fixed, who also could u go to, Noone gives a XXXX. And u ain't going to do any thing about it either. I'm just telling you this now, so when it happens I ll say, I told u so. Then I'll hav the proof I need cuz I've don this before OK. Ur just Goin to waist my time and get nothingsolved. So ya, thats what up.
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

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 have a loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Transunion Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-03-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is zero, why is the account still on my credit report?
Consumer complaint received 2017-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with capital one. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX small children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the associated bank over the phone that the identity theft report was valid and the accounts would be promptly removed. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2021-12-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

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 have a loan with XXXX FIN XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the EQUIFAX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2022-04-27
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. (MO)

In accordance with the fair credit reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also States a customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I recently looked at my credit reports and noticed that XXXX XXXX  XXXX reported negative marks Paid, was past due 30 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (NJ)

A debit was card was opened and sent to me. I did not open this account. spoke with the issuing bank, advised them. stated account was opened on XX/XX/21 and i had it closed today, XX/XX/21. M & T bank was the issuing bank.
Consumer complaint received 2021-03-30
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. (WI)

TransUnion and XXXX  are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I'm trying to protect my credit file so I'm requesting a security PIN from the bureau 's ( XXXX, Equifax, XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) y name that is associated with my credit file is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2019-08-18
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. (FL)

About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 XXXX XXXX cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.
Consumer complaint received 2022-04-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

XXXX XXXX XXXX was a collection removed from my credit report ( XXXX, XXXX, XXXX ) on XX/XX/2021. This debt was deemed inaccurate all credit bureaus and XXXX XXXX XXXX  we involved in the investigation when this collection was disputed from my credit reports and just recently it has now been replaced or reported back on my credit reports with no explanation or reason why it should be reported. This is inaccurate and has already been removed before and is against my fair consumer credit rights.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Resource Systems, Inc (CO)

In response to complaint XXXX. United Resource system claims that they sent out notification of an account they purchased however, they do not have proof of delivery and i never received anything allowing my right to legally dispute the account that was previously already in dispute with the original creditor. Company also claims they sent out documentation after i disputed account on my credit report in XXXX however again i received no communication or documentation nor do they have proof of delivery. My complaint needs to stand as its practices are not honest or legal. I will continue to file complaints.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (GA)

I purchase a product from Home Depot using their credit card. I received the statement and made the payment of {$15.00}. The money was taken out of my account on XXXX XXXX. The next month I received a bill from Home Depot indicating that I owe them {$17.00}. I thought I called them about this. I received another bill the next month from Home Depot saying I now owe them {$37.00}. I called them yesterday questioning why I owe them when I paid my payment on time. The last day to pay on time was XXXX XXXX. Home Depot say that they did n't credit my account until XXXX XXXX so I was responsible for the late charge. They were willing to waive only XXXX, but say it was their company policy not to waive XXXX late charges in one month. I indicated that there should n't have been a late charge since I made the payment on time and it was taken out of my account in time. I do not believe that I should be responsible for them posting it to my account late and being penalized for it.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

My HSBC account manager Mr. XXXX XXXX and I had emailed several times since XX/XX/2020 to discuss about my account closure. I also contacted HSBC customer service to ask about my account closure because Mr. XXXX kept telling me that it would take several months to close my accounts even though my accounts balance was XXXX already. HSBC customer service agent also deceived that my HSBC IRA account left open because I would receive the dividends in future. 
I submitted my complaint to XXXX  to sue HSBC on my account closure and over charging me for the closure on XX/XX/2020. 
Mr. XXXX XXXX called me at the middle of XX/XX/2020. Mr. XXXX told me that HSBC only gave me {$50.00} ( annual maintenance fees ) back, but HSBC would not give my {$140.00}, {$98.00} ( termination fees ), and two {$95.00} transfer fees back. Mr. XXXX also told me that my both HSBC accounts were closed. 
I received a letter from HSBC Vice President and Compliance Officer, XXXX XXXX, responding my complaint on XX/XX/2020. The letter also confirmed that both my HSBC accounts were closed. 
Therefore, by the middle of XX/XX/2020, I thought my complaint to HSBC was closed even though I felt unfair that HSBC had charged me so many fees for my account closure. 
On XX/XX/2020, I received HSBC statement of XX/XX/2020 for my account again. I was shocked. I sent an email to Mr. XXXX immediately asking him why my HSBC account still was open. Mr. XXXX responded me that my account had been pending for closure and I received {$3.00} refund from HSBC. 

HSBC is not honest to me. It has been playing the games on my account closure. 

On XX/XX/2020, I submitted my reopen request to XXXX  online. On XX/XX/2020, I received a letter from HSBC wealth sales manager XXXX XXXX wrote on XX/XX/2020 to respond my reopen request. 
This letter obviously was written before my complaint reopening request. It reflected how HSBC handle my account closure from top management to branch account management. 

I have not received any other responses from HSBC responding to my complaint reopening request so far. 

I require that HSBC closes my account immediately. I also require that HSBC refunds me {$140.00} and {$98.00} ( closure fees ) back. 

I attached the copies of emails and documents from HSBC regarding my account closure. 


The attached was the letter HSBC written on XX/XX/2020 and sent me on XX/XX/2020. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion, XXXX and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if transunion, XXXX  and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of XXXX XXXX REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award
Consumer complaint received 2019-08-14
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. (MI)

XXXX  ; XXXX  and Transunion are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX/XXXX  XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017  payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.