davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I am filing this complaint regarding TransUnion 's failure to provide access to my credit report. Despite multiple attempts to retrieve my report through their online platform, I have been met with consistent errors stating that " Your online credit report isnt available at this time, '' as shown in the attached screenshot. 

Key Issues : Inability to Access Credit Report : TransUnions system has consistently prevented me from accessing my credit report. This includes attempts to log out and try again, as their platform suggested.

No alternative method has been provided, and I have been unable to verify or review the information TransUnion is reporting about my credit history.

Lack of Transparency and Assistance : Despite their acknowledgment of this error on their platform, TransUnion has not provided adequate assistance or explanations to resolve this issue.

Violation of Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to access my credit report to ensure its accuracy and dispute any errors. TransUnions failure to provide my credit report denies me this right and jeopardizes my ability to manage my financial well-being. 
Resolution Requested : Immediate Access to Credit Report : I request that TransUnion resolve the issue and provide immediate access to my credit report via their online platform or alternative methods ( e.g., by mail ).

Investigation into System Errors : TransUnion must investigate the cause of the persistent error and provide a detailed explanation of the steps they will take to prevent such issues from reoccurring.

Assistance in Resolving Disputes : If any inaccuracies are found in my credit report once accessed, I request that TransUnion assist in resolving these issues promptly in compliance with the FCRA.

Supporting Documentation : Attached is a screenshot of the error message displayed on TransUnions platform when attempting to access my credit report. 
Impact and Final Request : This issue has caused significant frustration and has prevented me from exercising my rights under the FCRA. I kindly request the CFPBs assistance in ensuring that TransUnion resolves this matter promptly and provides access to my credit report without further delay. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Consumer complaint received 2022-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with the company stated below CAPITAL ONE XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX CAPITALONE XX/XX/XXXX XXXX CAPITAL ONE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into CAPITAL ONE, XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors above is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-09-24
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)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of remaining items in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-09-23
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: FIRST NATIONAL BANK OF OMAHA (CA)

My name is XXXX XXXX im writing regarding FNBO credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WI)

hello., I have submitted the formal complaint about your company as it follows below. 


in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My Ex girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us $ XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP. 







XXXX I placed 5 phone calls to commenity bank trying to resolve this matter and now it says my account is closed, I DID NOT CLOSE my account, I sat on hold now for well over a hour for someone to answer my phone, I did place a message through the portal on their consumer website. Now that I am trying to log onto the website to contact them and see where they are with helping me it would not let me log in and is telling me that I am now in a closed account which will not let me see what is the status of everything. this is now my 5th claim on CFPB against the company with NO LUCK. I am out of the country and this is ridiculous. I been trying to resolve this matter since XXXX or XXXX of 2022. I need a email update @ XXXX where they are with the investigation as I am out of the country and do NOT have any means of communication to them in the XXXX XXXX.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

On Friday XX/XX/year>, my online banking was locked due to transfers I made. Rather than call to confirm, US Bank locked the account. I called and spoke with a representative who could only apologize ( despite me saying not to ) and say wait 48 hours. We are beyond 48 hours and I can not access my account. Emails to corporate on Friday and Monday were met with generic emails that passed the buck. I can not view any of my accounts with US Bank, including my two credit cards that had nothing to do with my checking account. Everyone just hides behind policy and email.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (AZ)

I set up an online account with Experian in XXXX of XXXX in order to create a fraud alert and freeze my credit. I attempted to sign into my account on XX/XX/XXXX and XX/XX/XXXX and was unable to do so using the user name and password created during the initial online account set up. When attempting to reset my password, I was given a message that the password reset link was being sent to an email address I have never used and does not belong to me. Consequently, I am unable to access my online account because they have an email address on file that does not belong to me. I called repeatedly on XX/XX/XXXX and XX/XX/XXXX to speak with an Experian representative to correct the email address error and reset my password. I was stuck each time in an infinite loop with a virtual assistant trying to get to a human to help me with my issue. After hours of repeated attempts, I was unsuccessful in reaching a live person to help me. I am concerned that my online Experian account may have been hacked, but can not reach anyone at Experian to assist me. I have no idea how to proceed from here to get resolution to my problem.
Consumer complaint received 2024-10-17
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: CNG FINANCIAL CORPORATION (TX)

Yesterday on XX/XX/XXXX I received a call and voicemail from XXXX from phone # XXXX who couldn't even be bothered to provide their full business name which they later disclosed today on XX/XX/XXXX as being XXXX XXXX XXXX. The voicemail provided a file # XXXX and mentioned threats of a lawsuit review. I called the phone number back same day on XX/XX/XXXX and spoke to a XXXX XXXX who spoke XXXX using a lot of legal jargon and telling me this was about a check n go loan from XXXX or XXXX. XXXX XXXX then stated she has record of me opening email communications of the debt through my IP address which is another scammy thing that's pretty much stalking since I would never consent to be tracked in any way by an unknown sender. Not sure how they are permitted to behave this way if they are a legit business. XXXX XXXX also threatened recommendation for my license to be suspended and or for a lien to be filed yet continued to say the debt is in dispute. XXXX XXXX said the borrowed debt is around {$900.00} but are showing a total amount of over XXXX that is due. XXXX XXXX gave me the phone # XXXX to call for further information. XXXX has never sent me a letter to explain their involvement in the debt and check n go has nothing on file for me to explain where this debt is or was. I called check n go today XX/XX/XXXX several times to hopefully speak to someone knowledgeable but they can't find anything. Today I called XXXX back to attempt yet again to get more information and spoke to a XXXX XXXX at phone # XXXX in the legal department who would not allow me to speak or ask questions about the debt and if I tried to ask anything he would yell and accused me me of borrowing money and not paying it back and of talking to him like he was a child. Very unprofessional! He mentioned my debt was sold but never said to who and said they have my fingerprint and video footage. Then afterwards, told me the call may be recorded which he shoulda said from the beginning! Very threatening! Poor and inadequate communication! I
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

Subject : Debt Validation Request I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ). 
2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt. 

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided. 

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX PA ) XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00}
Consumer complaint received 2022-09-23
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 (IL)

Hello my name is XXXX XXXX and I have been having this same problem since XX/XX/XXXX XXXX XXXX with capital one and I am furious that I have been calling and emailing and sending out letters for months with no help. I reached out and they reached back out and said they will solve my problem. Someone used my information on that day and its an application inquire on my report. I will appreciate it if they take that fraud information off of my credit report now. It has been way longer than 90 days! I should not have that on my report.
Consumer complaint received 2022-10-03
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. (CA)

the first progress report account that's reporting on my credit report account number XXXX XXXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in TransUnion it says they open XX/XX/2020 while in XXXX it says XX/XX/2020 which makes this report invalid please delete immediately..
Consumer complaint received 2022-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On ~ XX/XX/XXXX Chase bank informed me that my business account was closed. It was literally XXXX days after I deposited client insurance checks exceeding XXXX dollars. 

Chase then informed me in person at the branch that a credit issue on my report needed to be resolved - ( outstanding debt of XXXX ). This was resolved and my account was closed in total. I was told that the XXXX would be returned to me on XX/XX/XXXX Upon calling multiple times, I have been told pieces as to what precipitated the closure, E.g - Outstanding credit card balance on personal credit report - Client checks deposited could not be verified - Client contacted did not verify - Client did not understand CHASE representative At this point, 1 of the 2 checks have cleared the client and has been funded, but chase refuses to release the funds. Chase claims since they were deposited together, they are holding the main check until the minor check clears They are holding the minor check until they reach BOTH clients ( man and wife ). 

I have spoken to both, but CHASE does NOT have a case manager on this and I must initiate the call on two parties during their work hours. 

In the meantime, my XXXX XXXX has opened another account in with the help of relatives, and continues to meet client needs. 

However, I have suffered significant damage to my reputation, and have NOT received the XXXX already cleared. 

The entire closure was due to CHASE, and their system that does not take into account language barriers that drove the miscommunication. 

I NEED my funds ASAP