davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Throughout the month of XX/XX/XXXX, I applied for several apartments because my children and I needed to get our own place, but our applications kept getting denied due to our rental history. We haven't lived anywhere in many years, except with family, due to a major illness that I acquired about 5 years ago. So the last place I applied to, I asked, and they informed me of the place it came from. Per XXXX Rental history, it stated that owed money from a place I rented back in XXXX. It also had the address listed. The information is incorrect. I've reached out to all XXXX credit bureaus. disputed and also the company that does the rental history for XXXX ( XXXX ) to inform them that this info was incorrect, but it has not changed and is still listed on my report and not allowing me to obtain housing. When I left the listed address, I didn't owe anything. I've provided XXXX 's to verify that the address was too old to be on this report. My credit reports say {$570.00}, but my Rental history report says {$570.00}. I want all of it to be removed as soon as possible. If I'm correct, conflicting information should be removed. Am I not correct?
Consumer complaint received 2022-10-18
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. (TX)

I AM NOT A CREDIT REPAIR COMPANY. I AM THE NATURAL PERSON THAT OWNS THIS ACCOUNT AND THE SSN ATTACHED. I have been disputing these accounts for years now. I read in an article date XX/XX/XXXX ... " XXXX, XXXX, Experian may have violated credit reporting rules, XXXX XXXX XXXX says '' ... ... it also states " XXXX said in his XXXX XXXX letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. The subcommittee found that XXXX changed between 43 % and 47 % of the disputed items each year from XXXX through XXXX. Experian corrected about 52 % of the disputed late payments or other bad data and XXXX fixed between 49 % and 53 % of disputed credit reports during this time, the subcommittee found ... '' These companies DID NOT investigate my accounts. Per the CFPB website .... " On your side through lifes financial moments. 
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions ... .. '' this is FALSE. This company has not responded to my disputes and the CFPB has not done anything to help me. For the past two years this has caused much stress. If nothing is done, I will be joining a class action lawsuit against your company. XXXX, XXXX, XXXX
Consumer complaint received 2020-07-06
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2022-09-20
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NY)

I filed a dispute and they said it would take until XX/XX/XXXX to get an answer on that dispute when legally I should have never had to wait for the provisional credit it should be immediate. Also I am still waiting on two deposits that I deposited into Credit Karma from XXXX XXXX one was for XXXX the other was for XXXX XXXX both were illegally withdrawn and they never turned back up in the XXXX XXXX  account
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XXXX XXXX, XXXX, I noticed an unauthorized debit to my account of {$250.00}. I notified the bank that this was an unauthorized charge and to return the money to me. They also confirmed to me verbally that they immediately had flagged the account to not allow any further debits to this bank account. In that I knew my monthly health insurance charge would probably debit from the account, I notified the bank about this in writing to allow that charge particular charge to go through. At that time I had enough money in the account to cover this charge. I also filed a claim, per the bank 's instruction to get the {$250.00} back. 

Then on XX/XX/XXXX through the XXXX I noticed that additional debits to this same account had been allowed by XXXX Bank. Other than the health insurance charge that I had expected and allowed, the other charges were still in question. I called them repeatedly asking why they allowed further charges to go through since the account had been flagged a week before. No one at the bank has been able to identify who they paid these XXXX charges to totaling an amount of {$1000.00}. The only comment on my statement against each of these XXXX charges is notated as " Check or XXXX XXXX ''. I have called XXXX Bank in XXXX, CA. several times since then, as well as the XXXX Bank Customer Service, and no one can tell me who this money was paid to. As of today, XX/XX/XXXX, XXXX Bank XXXX Customer Service told me on the phone at XXXX, that they could see that the account had been flagged at the end of XX/XX/XXXX to not allow any further charges to go through, however, since XXXX Bank has closed the account effective XXXX XXXX, XXXX, they can not explain who the money was paid to. 

To make matters worse, because this is a sole proprieter business account, the bank told me that they can not do anything about the original claimed debit of {$250.00}, AND that even though I have spent an average of XXXX hours/week for the past XXXX weeks following up on the XX/XX/XXXX unauthorized debit, and questioning these XXXX unknown additional charges in XX/XX/XXXX, no one at the bank has escalated the problem to determine why they allowed further debits to go through on my account after XX/XX/XXXX, even though the account was to have supposed to have not allowed further charges to go through. 

On top of these issues, they actually closed my account and charged off an amount of {$430.00} against me, which will wind up going to collections and negatively affecting my XXXX XXXX. This entire situation is Outrageous! I really don't know what to do to get my money bank that the bank took out of my account. I guess I will go ahead and make a XXXX XXXXeport about this, but I need the CFPB 's help to get me answers and my money back. Please XXXX XXXX Copy of XXXX Bank XXXX.
Consumer complaint received 2022-10-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX, # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX, # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I RECIEVED A EMAIL SAYING MY CREDIT SCORE WENT DOWN XXXX POINTS WHEN I CHECKED MY EMAIL I REALIZED THERE WAS A FRADULENT ACCOUNT ON MY CREDIT REPORT I HAVE NO KNOWLEDGE OF WHO XXXX IS I WORK REALLY HARD ON MY CREDIT AND I AM SO DISSAPOINTED BECAUSE I AM CONFUSED OF THIS EVEN HAPPENED WHEN I HAVE A FREEZE ON MY ACCOUNTS WITH ALL 3 BUREAUS. AS FOR THE STUDENT LOANS I HAVE MADE SERVERAL ATTEMPTS TO GET THEM REMOVED OFF MY REPORTS I HAVE NEVER IN MY LIFE APPLIED FOR A STUDENT LOAN FOR MYSELF OR ANYONE ELSE PLEASE REMOVE ALL XXXX OFF MY REPORT
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a XXXX XXXX XXXXg. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-29
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: AMERICAN EXPRESS COMPANY (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. 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. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
AMEX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

TWe have been caught up in the MyFedLoan program for years. Finally, in XXXX, we received a notice that we have made 152 Qualifying payments, which is more than the 120 required, and that we have no more Qualifying payments to make but our loan still has a Balance Due- can you help us to get them to XXXX the discharge before Fedloan quits? Thanks you!!
Consumer complaint received 2022-08-20
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. (TX)

XX/XX/2022 To Whom It May Concern : I am livid, you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist that you comply with the law by providing the requested information within the 30 days allowed. 
I submitted to you a notarized Affidavit of Truth and Facts outlining the inaccuracies and unauthorized inquiries on my Consumer Report and nothing has been resolved. 
As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 
In accordance and pursuant to the Federal Credit Reporting Act 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission. 
I will also be seeking compensation for the errors that were previously listed in accordance with and pursuant to the Federal Credit Reporting Act 15 USC 1681 ( n ) ( 1 ) ( a ) ( b ) - willful non-compliance and permissible permission. I may receive {$1000.00} per error to that which I am entitled of privacy and did not give written permission to disclose any information in my consumer report.

XXXX, XXXX, and TransUnion have violated both of my rights by furnishing the following accounts with errors without my written consent. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX XXXX specific XXXX XXXX Automobile Dealers, New XXXX XXXXL Auto Financing Companies XXXX XXXX XXXX XXXX  Personal Loan Companies XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice XXXX XXXX XXXX XXXX : CFPB Attn : XXXX XXXX Assistant Director of Enforcement Federal Trade Commissions Attorney Generals Office State Senate XXXX XXXX XXXX XXXX XXXX Texas Small Claims Court XXXX XXXX Texas Comptroller Federal Reserve System FDIC
Consumer complaint received 2021-09-23
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. (TX)

I give Consumer Financial Protection Bureau authorization to communicate, investigate and be the third party on my behalf. I have constantly sent Experian notices to update an account XXXX  to XXXX balance since XXXX. Experian uses tactics such as they do not have me in the system under my name when communicating back to CFPB yet they are easily reporting incorrect data under my file. Experian has proof of who I and I've sent my social security and driver 's license. Experian is continuing to VIOLATE my rights. When will the violations and inaccurate reportings stop? Attached is a drover license.
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (IL)

XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX EQUIFAX XXXX XXXX Inquiry :XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX THESE HARD INQUIRIES WERE PUT ON MY XXXX  CREDIT REPORT WITHOUT MY CONSENT.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (AL)

On two different occasions I have been told that I have no equifax report when applying for credit. I can login to my equifax and see my report and information. I have contacted equifax several times about this issue. They are also not reporting all of my trade lines when those companies have assured me it is being transmitted correctly to equifax. They are denying access to my report.
Consumer complaint received 2022-09-20
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)

I am submitting this 10th CFPB Complaint to follow up the previous CFPB Complaint I submitted last XX/XX/2022, to request that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. Why is so hard for the Credit Bureaus to remove the accounts and information that resulted due to identity theft? The Credit Bureaus should and must always comply the Federal statute and have the disputed accounts and information deleted under the Fair Credit Reporting Act section 605b. The Credit Bureaus did not just failed to comply with the FCRA regulation and ignored my requests, they have declared that the Disputed accounts and information are verified and are accurate! This is blasphemous! The Credit Bureaus never sent me copies of proof of verification let alone copies of documents bearing my signature to support the Credit reporting Agencies ' claims. Under the FCRA section 605b, I am requesting that the Credit Bureaus immediately remove the disputed accounts and information completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and Medical XXXX Balance Owed : {$23.00}. Once again, these accounts and information resulted due to identity theft and must be removed completely from my Credit File in accordance with the FCAR section 605b.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My accounts with Capital One have always been enrolled in the companies autopay system. From the months of XXXX to XXXX of 2019, the card on file was not being charged. I was under the impression that my accounts were enrolled in an autopay system, as they always have been. When I realized I had missed payments, I immediately reached out to Capital One and was assured these late payments would be removed on my behalf as it was a failure on the autopay systems behalf and not my own. When I called back in 2019 to talk to a representative, I explained that I was taking care of my mother who had recently XXXX XXXX XXXX XXXXXXXX XXXX. I was not residing at my current address, as I left the county to stay with my mother. I did not receive any correspondence that my payments were not being received, and again, I truly believed my accounts were enrolled in an automatic payment system. The nice representative I spoke to transferred me to a supervisor and by the end of the call, I was assured these late payments would be removed on my account due to unforeseen and challenging circumstances and the fact that the autopay system did not charge my card on file. The supervisor also stated because I was a good customer, she would as a goodwill and gesture of good faith remove the late payments. I recently retrieved a copy of my credit report and saw that the late payments still remain on my file. I ask that someone please assist me as promised long ago. The records will show that I had never been late with a payment until these unfortunate series of events. I have been prompt and have never missed another payment since 2019.
Consumer complaint received 2022-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified information on my consumer credit file recently as a week ago that is a direct result of identity theft. This item is not related to any transaction completed by me. The Company which appears fraudulently on my consumer credit files name is XXXX. I have no idea who they are. My Social Security number, my date of birth, and other sensitive data has been compromised by all three major credit reporting agencies which include XXXX, XXXX, and Trans Union and all three agencies have had data breaches. I have filed an XXXX report and a police report with my local agency.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (IL)

A company called XXXX on XX/XX/XXXX ran my credit. I hadn't had my credit ran since XXXX. I want this removed please. I've sent multiple letters on this before.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

I have student loans through XXXX. I was a young mom of 4, went to school and later divorced and a single mom. My loans have always been on either deferment or on an income contingent based plan and my payment amounts are {$0.00} a month. On my credit it shows that I have 12 missed payments from XXXX. I have called XXXX several times. I was told that my accounts came out of deferment on XX/XX/XXXX and went back in to deferment on XX/XX/XXXX. Let me be clear, that is not even 30 days. I didn't have an amount owed because they were in deferment. It shows that I do take this seriously, the accounts were current before this and have been since then. I am being severely affected in my life now from these negatively impacting my credit. I have asked if they would remove the so called missed payments and they have repeatedly told me that they can't, that I have to dispute with the credit bureaus, but they would send me a credit reference letter to make up for it. I am trying to buy a home and these 12 " missed '' payments are severely affecting my credit score. Without them I would have a 755+.