davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not late on these accounts I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was stolen in ( BACKDATE AT LEAST A YEAR TO WHEN YOU DID THE FIRST HARD INQUIRY AND PUT THAT YEAR AND PLACE HERE ), since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (MS)

I got my credit pulled to apply for a personal loan and was told that I had several credit accounts on my credit report. I was alarmed because I never applied for credit at any of these companies. When this person showed me the companies listed, I immediately knew that I was a victim of Identity theft. I went to the police department and filed a fraud and identity theft report on these companies. Montgomery wards, seventh avenue, XXXX XXXX XXXX and an XXXXXXXX XXXX  XXXX cellular account. I never applied to any of these companies.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (MD)

I have contacted Hunter Warfield by email and telephone to resolve this issue. I have provided documents of the court case from the locality 's landlord tenant court and this item still remains on my report. I do not owe this company nor XXXX XXXX, the company they claim to represent. I'm now in the process of obtaining a mortgage ( 4 years later and they're still reporting this incorrect information after I've contacted them informing them that it was incorrect ).
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
Transunion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I, XXXX : XXXX am speaking for myself in this claim. LVNV FUNDING is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. This negative reporting on my credit report has cost me securing a new car. LVNV FUNDING is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to LVNV FUNDING for whatever the reason, I have included, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting as I will fully exercise my rights and seek remedy in full.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC (CA)

On XX/XX/year> there was a credit line purchase of XXXX $ That I have no knowledge of. Jefferson Capital System XXXX XXXX allowed this fraudulent transaction to take place at there company with out my knowledge this purchase has impacted my score very bad. I will like the the company to take full accountability for allowing this for happening.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY ()

During XXXX of XXXX  I opened a Chequing account with the US arm of TD ( Toronto Dominion ) Bank as an expatriated citizen living in XXXX. The primary purpose of this account was to facilitate any transactions I had to do in US dollars ( seeing as there are significant holds and fees in cashing US XXXX  and performing currency conversions ). At the time I had 3 XXXX  from the US Department of the Treasury related to COVID-19 payments ( a.k.a Economic Impact Payments ). I intended the cashing of these to be the first transactions on the account. 

As part of this process I submitted all of my personal information of my status as a citizen including federally issued documents from when I lived in the US. As a part of their account opening process they do seem to allow XXXX addresses.The account was opened after some verification process was attempted over the phone in the ensuing month. 

Immediately after the account was accessible I attempted to setup Online Banking. After gaining access on their mobile phone and browser based applications I attempted to cash one of the 3 XXXX  ( I believe it was for XXXX USD on XX/XX/2023 ) ; and it seemed to go though and be put on hold. A few hours later I attempted to re-sign in to the account only to receive errors that I was not allowed to sign in and had to contact them over the phone. After multiple discussions with their support people I had learned that my account had been flagged by one of their departments for fraud or suspicious activity, and that they were no longer allowed to keep providing me service. ( or rather that it was frozen ) However, in the ensuing months I seem to keep getting notices in my email about account activity ( including that monthly statements were generated as well as the hold status of the XXXX  ). I've also received paper mail as if I were a normal customer with access to their account. 

Frankly I don't have much desire to do any further business with them ( they don't seem to have any\many reliable processes on dealing with expatriated Americans, even though they offer products that advertise for that purpose ). However they do still have one of the three federal COVID-19 payments. Which as a tax paying citizen I would appreciate getting it back ( I think it's fair to say XXXX dollars is not an insignificant sum to most people ). 

Unfortunately I only learned of the CFPB recently, otherwise I would have submitted this much earlier back in XXXX  with many more specific dates. Any assistance you may be able to provide would be much appreciated. I've gathered as many details as I still have including account information, paper statements ( of which I have at least one ), Paper notices of the hold, and my debit card and will provide them freely to any and all parties upon request.
Consumer complaint received 2022-11-15
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: Specialized Loan Servicing Holdings LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609  ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1   ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609  ( a ) ( 1  ) ( A ) and 611 ( a ) ( 1  ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15  U.S.C. 1681g  ] ( ( a ) Information on file ; sources ; report recipients. XXXX  shall, upon request, and subject to 610 ( a ) ( 1  ) [ 1681h  ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5  digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611  ( a ) ( 1  ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, please investigate the unverifiable item/accounts/information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX : {$0.00}
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, transunion failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXXXXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Transunion has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

I am a XXXX XXXX I ordered XXXX authorized transaction from XXXX XXXX XXXX ( based in XXXX ) and for XXXX year, they made fraudulent charges, totaling over {$1900.00}. XXXX has a protection plan, but they are playing hard ball and stonewalling me. I went through the process, and it has been over 30 days. I need help to reclaim {$1900.00} taken from my checking account. I have contacted the bank and the bank says to contact XXXX who does nothing. The date the fraud started was XX/XX/XXXX and it has been continuing until XX/XX/XXXX, in the total amount of {$1900.00} by XXXX, through XXXX
Consumer complaint received 2018-03-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

I have an auto lease from Honda Financial. Honda Financial reports 2 late payments in my credit reports. I contacted Honda Financial on XX/XX/XXXX and provided my bank 's routing number and account number and requested from Honda Financial to have my account with them on auto pay ( I wanted every month my {$270.00} car payment to be electronically debited from my checking account, so I will never have any missed payments ). Honda Financial representative advised me over the phone that she will set up an AUTO PAY for me. So my first payment was automatically debited from my checking account by Honda Financial after 2 days on XX/XX/XXXX. On XX/XX/XXXX I am leaving the country for 3 months. I came back in to US on XX/XX/XXXX and checked my accounts to see if all the payments went through. I noticed that Honda Financial did not withdraw my 3 months payments. I immediately checked my credit reports and noticed that Honda Financial reported 3 late payments on my account for none payments. I contacted to Honda Financial immediately and I was advised they did not receive my payments. Now Honda Financial refuses to report to credit bureaus that the information they have reported is done by Honda Financial 's mistake. I was on AUTO PAY and Honda Financial did not debit my monthly payments as agreed on XX/XX/XXXX. 
Honda Financial 's mistake damages my true credit worthiness.

The late payments Honda Financial reported is done by it's mistake. 
Please Help to resolve this issue. 
Thank You.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C.Tech Collections, Inc. (NY)

C.TECH collections never contacted me about a medical debt and reported the collection to XXXX XXXX XXXX reporting without establishing contact with me first. This negatively impacted my XXXX  score dropping it by XXXX points. I was unable to secure a loan due to my lower XXXX  score. C.TECH was unable to provide proof that they attempted to contact me. They had no evidence by mail or recorded phone conversations.
Consumer complaint received 2021-09-02
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. (CA)

On XX/XX/XXXX I sent Equifax a " Method of Verification '' request regarding the alleged bankruptcy they have on my credit report. 

On XX/XX/XXXX Equifax sent me the results of their supposed verification and claim they verified it as accurate from a third party source of XXXX. 

On XX/XX/XXXX I sent Equifax copies of a letter from XXXX stating the bankruptcy in question was deleted from my report. I also sent a copy of the XXXX consumer report public records section showing NO bankruptcy. I asked Equifax to delete this from my credit report as it was not properly verified as they claimed. 

On XX/XX/XXXX Equifax again sent me another letter stating they again verified this bankruptcy through XXXX. 

On XX/XX/XXXX I sent Equifax another follow up dispute again with the letter and consumer report from XXXX showing NO bankruptcy being reported, again I asked them to follow FCRA laws and DELETE this UN-VERIFIED bankruptcy. 

On XX/XX/XXXX Equifax sent me the same letter stating this bankruptcy was once again verified through XXXX, and also a letter stating they would not re-investigate this dispute.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TRANSUNION IS REPORTING INCORRECT INFORMATION ON THIS ACCOUNT XXXX XXXX XXXX, WE ASK TO VERIFY THIS ACCOUNT AND ALSO THE INFORMATION THEY ARE REPORTING IS INCORRECT. DATE DO NOT CONQUER WITH THE OTHER CREDIT AGENCIES REPORTS, THEREFORE THE INFORMATION IS NOT BEING VERIFIED BY TRANSUNION.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One - $ XXXX XXXX  XXXX XXXX XXXXXXXX XXXX in XXXX XX/XX/XXXX, original charge for concert at XXXX XXXX XXXX XXXX XXXX concert postponed, requested refund through XXXX XXXX- who tickets were purchased through XXXX XXXX No refund, disputed charge with XXXX XXXX They gave a temp credit XXXX XXXX XXXX XXXX reversed credit and rebilled stating that XXXX XXXX said it is a valid charge, same time XXXX XXXX also recharged me {$640.00}. XXXX and also credited me $ XXXX Still leaving the original charge from XXXX  on my credit card. 
Contacted both companies, with no resolve. XXXX XXXX stated it is a XXXX issue and XXXX said they already credited us- which is true but then rebilled us the same exact date, leaving a charge of XXXX from XXXX. 
XX/XX/XXXX since we had no resolve we said we will just go to the concert XXXX XXXX concert postponed again, refilled for a new refund. 
XXXX XXXX XXXX denied our refund stating we were already issued XXXX. 
XXXX XXXX Contacted XXXX XXXX again to dispute charge- They refuse to dispute charge stating they have already done everything they can do and the merchant needs to refund us. 
XXXX XXXXXXXX tried to contact XXXX stadium again- no response. 
I am here as I have exhausted all other options to get my XXXX back.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, XXXX  and Equifax. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.