davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX XXXX XXXX that were sent out are as follows : dispute letter XXXX -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter XXXX -- no response letter mailed XX/XX/XXXX after over XXXX days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after XXXX days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo any purpose
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Inactive modal Consumer Financial Protection Bureau Start a new complaint All complaints XXXX YOUR COMPLAINT XXXX  XXXX refuses to report to credit bureau the accuracy of a closed account. 

I do not owe XXXX  XXXX any money for a credit card that was lost/ stolen. 

I had two credit cards with XXXX  XXXX. One was a regular credit card for {$700.00} dollars. I paid this off XXXX. 

XXXX XXXX offered me an upgrade credit card however they failed to disclose that there was an annual fee attached to it. When I received a bill with a XXXX annual fee in XX/XX/year>, I immediately ask them to close the account. 

The original credit card that was paid off in XXXX to which I thought was closed due to the upgrade, was never closed by the company. 

The original XXXX  XXXX card was now mailed back out to me. I had several cards stolen that included this card. 
They were supposed to close the account with Zero liability. Instead they keep reporting.that I owe this debt. This is inaccurate. I would like this corrected. XXXX XXXX has ruined my credit. 

The other cars that was stolen has rectified the issue this is the only card that had reported continues to make me responsible for fraudulent purchases that I did not do. There should be a zero liability for the purchases. 

View full complaint Referred Status CFPB referred complaint to another government agency on XX/XX/year> Referred To Office of the Comptroller of the Currency We referred your complaint. 

After our review, we found another agency that is better able to help you with your issue. 

I spoken with XXXX  XXXX they promised to investigate and 30 or 60 days and send out a report and I have not received anything yet. But this investigation was supposed to start back in XXXX of 2024. 

If the consumer credit bureau takes a look at my credit report I have made all my other credit card payments on time. I have been a victim of data breaches and fraud. 

My XXXX XXXX went from a XXXX now to a XXXX due to XXXX  XXXX.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Spoke with agent on phone XX/XX/23 because they froze my account due to depositing a check for my minor daughter. They instructed me to go to a local bank branch and bring her birth certificate in herself, and they could unfreeze my accounts. So I have to drive 45 minutes to the nearest open branch with my daughter, her birth certificate, and her social security card and my state issued ID. For them to tell me that I have to get a physical ID card for her from the DMV or her student ID which she doesnt have one and until then I have no access to my money. Any of it to pay bills to eat anything. Now had they told me they needed a picture ID I couldve made arrangements, or at least tried so now Im out gas time and now I have no access to any money which is financially hurting me. Because two forms of ID with my physical ID is good enough for employment and for XXXX XXXX XXXX but theyre gon na hold my money from me until I can either get it issued ID from DMV which could take weeks or I can appeal to her school please make her physical ID because shes not in a grade that gets those, so they have put me in a position to where I have no access to any of my money, for God knows how long and theres nothing they can do I beg to differ.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Experian credit report on XXXXXXXX XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2022-08-11
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. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX at XXXX ), I made contact via phone calls and written asking for proof of a signed contract by myself and them and if they would provide it, I'd gladly accept responsibility. 3 disputes were filed with XXXX, TRANSUNION, and XXXX. The disputes was resolved in the favor of the collection agencies, I found this out upon checking my profile, so XXXX I filed a 4th disputed with all the credit agencies asking for written verification proof and a signed contract between these reporting collection agencies or to remove these item from my credit file. 

I owe no debt to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never signed a contract with them, nor do I know who they are. In accordance with the FCRA. These companies along with TRANSUNION, XXXX, AND XXXX has violated my rights under 15 U.S.C. 1681 602 A. states I have the right to privacy. 15 U.S.C 1681. 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( XXXX ) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. Act Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. 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 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2023-01-05
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. (NY)

I opened a secured personal loan with XXXX XXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward XXXX years later the loan and the interest have been paid off however I find out that XXXX XXXX XXXX charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of XXXX XXXX XXXX.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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. 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 the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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  Subject : Dispute Regarding Late Payment and Violation of Consumer Credit Laws I am writing to dispute the treatment of payments on my credit card account under the open end consumer credit plan with your company. According to the laws outlined in the 15 U.S. Code, specifically sections 1666b, 1681a ( 2 ) ( 1 ), and 6802, it is evident that there have been violations of consumer credit regulations. 

XXXX. Timing of Payment ( 15 U.S. Code 1666b ) : The law stipulates that a creditor may not consider a payment late unless reasonable procedures are in place to ensure that each periodic statement, including the necessary information, is provided to the consumer at least 21 days before the payment due date. I have observed that the periodic statements from your company have not been consistently delivered within the specified timeframe, leading to confusion and potential late payment penalties. 

XXXX. Reporting of Information ( 15 U.S. Code 1681a ( 2 ) ( 1 ) ) : The law prohibits the communication of consumer information among related parties without proper authorization. It has come to my attention that there may have been unauthorized sharing of my personal information among affiliated entities, which is a clear violation of consumer privacy rights. 

XXXX. Disclosure of Personal Information ( 15 U.S. Code 6802 ) : Financial institutions are restricted from disclosing nonpublic personal information to third parties without providing consumers with a compliant notice. I have not received any such notice from your company regarding the disclosure of my personal information to nonaffiliated third parties.
Consumer complaint received 2022-08-08
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (NJ)

I have been trying since XX/XX/2022 to have XXXX, XXXX and XXXX reflect my mortgage term correctly at " 259 Months '' instead of incorrectly at " 264 Months ''. Each credit agency advised that they reflect what is reported by Freedom Mortgage, I contacted Freedom Mortgage and they issued a letter dated XXXX XX/XX/2022 that states they are reporting it correctly at " 259 Months ''. After disputing with XXXX, XXXX and XXXX while providing Freedom Mortgage 's letter of XXXX XX/XX/2022, it became clear that Freedom Mortgage was NOT reporting " 259 Months '' and was actually reporting " 264 Months ''. For XXXX, Freedom Mortgage incorrectly changed reporting from " 264 Months '' to " 22 Years. '' In Freedom Mortgage letter dated XXXX XX/XX/2022, they now contradict their XXXX XX/XX/2022 letter, still claiming to report accurately, but now reporting at " 22 Years ''. Freedom Mortgage states that the XXXX reporting guidelines dictate that mortgage terms should be in yearly values. 

In my letter of XXXX XX/XX/2022, I set forth all the rationale why my term should be reported correctly and accurate at " 259 Months '' and advised that if Freedom Mortgage can not correct this I will file this matter with the appropriate jurisdiction. 

Today, XXXX XX/XX/2022, I received a call from XXXX XXXX, Freedom Mortgage Escalation Specialist, who advised that Freedom Mortgage will not make any further changes and they stand by their XXXX XX/XX/2022 Freedom Mortgage Letter position.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid my credit card off early with fees back in XXXX. 
bank penalty charges are being applied to my account due to the fact I paid my credit card off early penalties of cash withdrawal limits was not outline on my statement when I paid off the entire amount Therefore, I am being penaltized for paying the card off early using their website that had assist the amount that need to be paid in full XX/XX/2022. 
XXXX, refuse to let us speak to someone about the account on XX/XX/2022 at XXXX eastern standard time We want to work with Bank of America but they refuse to work with us.
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (IN)

Is it that hard for the Credit Bureaus to remove the disputed Items from my Credit File? I have been sending letters to the Credit Bureaus to requesting the removal of the inaccurate personal information and Fraudulent account from my Credit Report. But despite all my extended effort to have the Credit Bureaus respond to my letters, I came to a realization that the Credit Bureaus have been ignoring my letters as well did not comply with the Fair Credit reporting Act section 605b. The Credit Bureaus continued reporting the disputed items on my Credit report without proper verification. The following items : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$9400.00}, are items incurred due to identity theft and must be removed from my Credit Report. If the Credit Bureaus claim that the Items belong to me, I will need the Credit Bureaus to provide me with copies of documentation which bears my signature to support the Credit Bureaus ' claim. If the Credit Bureaus can not provide me with documents I am looking for, I would greatly appreciate it if the Credit Bureaus would immediately remove these items.