davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

On XX/XX/2021 I submitted a dispute letter to Experian in regards to inaccurate and unverifiable information on my credit report. I submitted legible, required identification along with the dispute. On XX/XX/2021 I received a response from Experian stating that they did not process my dispute because my ID was not legible. They LIED! I submitted a copy of my ID, Utility bill, and last 4 of my SSN all legible. I called Experian on XX/XX/2021 and the representative confirmed that my ID was legible and they wanted to confirm it was me. I confirmed my identity over the phone and requested that they proceed to process my dispute letter. The representative denied my request and stated that I had to dispute over the phone. The representative stated that only XXXX and XXXX XXXX were the only accounts on my report in regards to the dispute letter. Experian lied again because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX are also on my Experian report. This is costing me time and money and stressing me out. Experian did not respond to my original dispute. Nor did they address ALL of the disputed accounts regarding the phone dispute. I am demanding assistance in dealing with this fraudulent company. 

Attached Documents : Original Dispute ID Sent With original dispute Experian Response to original dispute Call to Experian Log Experian phone dispute log
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After reviewing my credit report i noticed that there is a U.S. Bankruptcy Court items listed on my credit reports.Per the FCRA 623 ( a ) ( 5 ) : if the credit bureau can not VALIDATE the information from the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information.It is the credit reporting agencies, and / or other third party providers who collect information regarding public cases from public records.Public records information is NEVER validated by the recorder of deeds nor the U.S Court system due to the FAIR CREDIT REPORTING AGENCY PRIVACY LAW. 
Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On around XX/XX/XXXX Bank of America Closed my checking account twice because of my Disabled Status and National Origin as a XXXX XXXX XXXXXXXX, this is a Discrimination and Retaliation issues and violations of my XXXX XXXX XXXX  under Department of Justice. 

My Bank of America checking account accounts was Closed twice. 
1.Account # XXXX ( Bank of America opened new checking account from XXXX XXXX , Texas with Bank Rep. over the phone, than it was Closed. 

2.This account I open at Bank of America Branch in XXXX, California around XXXX or XXXX..Account # XXXX
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently noticed some accounts on my credit report that are not accurate to my person. I am making the complaint to have CFPB investigate and have these items removed from my file. I have included the accounts on here to get a proper and fair response for my submitted complaint. 
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
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

At least 3 financial institutions are using a ( new? ) system that asks 3 multiple choice questions that aim to authenticate the caller 's identity. At least one area of my information in the system 's data is incorrect, since a correct response on my part fails authentication. The first institution J.P. Morgan Chase offered no fall-back authentication process, so my account was frozen for 48 hours until I was able to reach someone high enough. Moreover, they will not tell me the name of the system they are using, so I can not even go directly to the data company to get the error fixed or to see the data they are storing in case it is completely wrong. Please help -- I'm straightjacketed from doing my fund management. As a second instance XXXX XXXX ( XXXX MD ) required the same questions as did Chase as part of my creating a CD account. My truthful answers again caused me to fail the authentication so I was not able to create the CD. I will be contacting XXXX in the morning. Finally, a friend reports that the system is also used by XXXX investment. Fortunately, she had no problem, because she desperately needed her money immediately. Doesn't the Freedom of Information Act mandate that the data company has to show me the data they have stored for me, so I can correct any errors?
Consumer complaint received 2022-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one is refusing to remove two hard inquiries that do not belong to me. I was previously a victim of fraud. I sent them a police report at the time and assured them it wasnt me they still allowed attempts to be made in my name even tho I had a security freeze with a number to call attached. I was never contacted. Now they say it can take up to 90 days to remove. This is hendering my way of living causing me pain suffering and stress. I would like the fraudulent inquiries removed immediately
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MD)

A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/2021 I applied for the most recent credit card offer advertised by the credit union of which I have been a member for years. I have other credit cards from this credit union that I have always paid timely as agreed. I usually pay off the balance of charges I have made on the credit cards so as to avoid interest charges. 

Since I joined the credit union years ago, my debt to income ratio has improved to it now being the best it has been. Also, my after-tax income is the highest it has been since I joined the credit union . 

Despite all of the reasons that a member would reasonably expect to have been approved for the most recent credit card offer the credit union advertised to its members, my application was denied on XX/XX/2021. The reason the credit union stated for having denied my application is because that I presently have maximum open-end credit.

I wrote the credit union asking for the underwriting department to reconsider. I submitted a counteroffer requesting the credit union reduce my line of credit by {$5000.00}, or in the alternative reduce the maximum credit limit on one of the other credit cards I have from this credit union by {$5000.00} and then send me the new credit card per its most recent offer with a credit limit of {$5000.00}. 

The credit union has not responded to my request for reconsideration and my counteroffer.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america decieed to close my checking account and did nit notify me at all by phone, email, text message So i went to branch and they told me my mother might of closed it ut that wasnt the case i went agian to a different branch and was told its stilll pending and it was closed due o misabuse so i dont no how long i have to wait for my remaining funds but can access my funds until its finalize close and they said i will recieve a check but i have bills to pay and its affecting my livelyhood ....
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (WI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

First, I want to acknowledge that I am the Original creditor, consumer and natural person. On XX/XX/21 I received a letter from capital one stating that my account has been closed due to adverse past legal action. On XX/XX/21 I sent capital one a certified letter with return receipt asking them to provide with me with where and whom had given them this information on my credit file. As a consumer they have violated my right to credit in pursuant to 15 USC 1691D ( 6 ). I received a letter from capital one on XX/XX/21 validating the debt which I did not ask for. Capital one has failed to provide me with the proper documentary evidence which has led to my inability to obtain credit.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Dear Sir or Madam, I am writing to formally dispute several items on my credit report, as I am a XXXX XXXX XXXX XXXX The accounts and inquiries listed below were opened or occurred without my knowledge, consent, or authorization while I was XXXX XXXX XXXX XXXX XXXX. I respectfully request that these items be removed from my credit report under the protections provided by the National Defense Authorization Act for Fiscal Year XXXX and the Fair Credit Reporting Act ( FCRA ). 
I am requesting that you block & permanently remove all information that is the result of this fraudulent activity and ensure that these items no longer negatively impact my credit report. I have enclosed the necessary supporting documentation, including proof of my victim status. 

Account Name Account Number Amount XXXX XXXX XXXX {$47000.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$240.00} XXXX XXXXXXXX {$11000.00} XXXX XXXXXXXX {$110.00} XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$87.00} IXXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX {$610.00} XXXX XXXXXXXX {$1000.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (PR)

Dispute of Late Payment XXXX XXXX XXXX ( Account # XXXX ) Dear XXXX Team, I am writing to formally dispute the late payment reported for my account with XXXX XXXX XXXX, account number XXXX. While this account is marked as paid and closed, I have noticed that it reflects a derogatory late payment status of 60 days. 

**Points of Dispute : XXXX XXXX XXXXLate Payment Accuracy** : The record indicates a late payment status, with the last reported activity dated XX/XX/year>. I believe this late payment is inaccurate based on my payment history and the account being paid in full. I respectfully request verification of the alleged late payment, including any documentation that supports this claim. 

XXXX. XXXXImpact on XXXX XXXX : This late payment adversely affects my credit score and my ability to obtain favorable credit opportunities. Given that this account is closed and paid, it is my request that any negative reporting be reconsidered. 

XXXX. **Request for Investigation** : Under the Fair Credit Reporting Act, I request that you thoroughly investigate this matter. If you can not provide adequate verification for the late payment, please remove it from my credit report. 

Please send me written confirmation of the results of your investigation and any updates made to my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

A counterfeit check for the amount of {$5500.00} was cashed from my checking account on XX/XX/2021. I did not notice till XX/XX/XXXX due the disruptions caused by COVID. When I finally reached a representative at the Regions Bank Priority Banking Services it was XX/XX/2021. The representative explained the process and told me to fill out the claim form that he would email within 24 hours. He clearly stated when I asked him that I was within the timeframe to file the claim and that I should not worry. 

I filled out the form ( which was sent again on XX/XX/XXXX in a different format ( Regions Check Fraud eSign system ), talked to the branch manager ( XXXX XXXX ) who told me not to worry that the money would be back in my account, and signed the electronic form and sent it by XX/XX/XXXX. 

I had not heard from the fraud department so I called today and a supervisor ( XXXX ) told me that the claim had been denied because I had filed it after the 30 days from the day of the counterfeit check being cashed. This was not the information I was given by three other Regions Bank representatives. 

The fraud with the counterfeit check was done by someone who knew about my checking account at Regions Bank- and that would be someone working at the Bank.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (TX)

Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why
Consumer complaint received 2023-04-18
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX, OH XXXX 2. Dept of EDXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX 3. XXXX XXXX  XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions or crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-19
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. (FL)

Im honestly shocked and confused by the fact that there are inaccurate accounts showing up on my credit report today. I routinely monitor my credit report, but this time there were errors that seemed to appear out of nowhere. I even tried refreshing my browser in hopes that it was just a glitch, but the errors didnt go away. Its frustrating that the inaccurate accounts didnt disappear. I'm requesting that the documents I sent be reviewed thoroughly so I dont have to worry about this happening again.
Consumer complaint received 2024-09-19
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. (WI)

Upon reviewing my credit report, I noticed that there were a few accounts listed that i do not recognize at all. These accounts do not belong to me, i have never given any of these companies my information. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1.JXXXX XXXX  XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. 
-Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 2.XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 4.XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 5.XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting 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. (CA)

I have asked Equifax for my credit report and they will not give it to me. I asked them to clean up some things such as old outdated information. I have a report dated XX/XX/2023 Confirmation XXXX, XX/XX/2023 Confirmation # XXXX, and XX/XX/2023 Confirmation # XXXX. I had a dispute regarding my report and now Equifax will not allow me into the system to speak with a live person stating that I can't be verified through their system even though I just spoke with someone named XXXX with ID # XXXX on XX/XX/2023. I am also being told that I do not have a credit file with them but I have just given you ( CFPB ) three confirmation numbers above from order credit reports. This is a malicious move and it is against the law. Equifax has no right to keep my file from me. Here is another report from XX/XX/2023 confirmation # XXXX I have correspondence from Equifax dated XX/XX/2023, stating that I made a report that I believe that I was a victim of identity theft. I never made such a report. I also have a letter dated XXXX XXXX that Equifax was unable to locate a credit file for me in their database. This is an outright lie. when I have all these letters from them. Also, the agent XXXX ID-XXXX told me that she had lifted the freeze on my file and she did not I had to go online and do it myself. The reference number she gave me is XXXX and for my report XXXX. I can trust their actions.