davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (FL)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax Credit bureau is currently still reporting XXXX XXXX duplicate time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2022-06-29
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. (FL)

Experian, XXXX and XXXX are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXXaccount XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX is listed as the original company when its actually wise loan Worst Delinquency on XXXX states the account is 90 days past due while XXXX statesCharge Off/Other Derog. XXXX states on XXXX last activity was XX/XX/XXXX but on XXXX states last activity was XX/XX/XXXX XXXX states on XXXX last activity was XX/XX/XXXX but on transunion states XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on transunion XX/XX/XXXX on XXXX also reported as foreclosure on XXXX last activity reported XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion. XXXX last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion and XXXX the balance on XXXX states XXXX but on transunion and XXXX the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on transunion last activity was XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion.XXXX  last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion closed date XX/XX/XXXX on XXXX but XX/XX/XXXX on transunion.XXXX  last updated XX/XX/XXXX on XXXX XX/XX/XXXX on transunion XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX XX/XX/XXXX on transunion XXXX last updated XX/XX/XXXX on XXXX but on transunion XX/XX/XXXX closed date on XXXX XX/XX/XXXX but XX/XX/XXXX on transunion XXXX last activity reported on XXXX XX/XX/XXXX but on transunion XX/XX/XXXX
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-07-03
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. (CA)

I believe that Experian 's membership program for fetching and managing credit reports has a security vulnerability that is actively being exploited to steal Experian accounts without the use of passwords, security pins, and other security measures. 


I personally have had my experian membership information changed by a hacker 3 times in the last month. 


Wed, XX/XX/XXXX, XXXX PM Thu, XX/XX/XXXX, XXXX AM Thu, XX/XX/XXXX, XXXX AM Each time I contacted Experian and recovered my account, then prompt changed the password to a uniquely generated 15-character string. That password is then stored encrypted in a password wallet. Likewise for my security pin and other security information.

It is incredibly unlikely that a hacker would have access to that changed information each time, without also compromising my entire online identity. Yet my XXXX  and XXXX accounts remain safe, as well as all other accounts. 

I am not alone as this is happening to others XXXX XXXX XXXX_experian_XXXX XXXX XXXX XXXXexperianXXXX XXXX XXXX XXXXexperiansXXXX/ XXXX XXXX XXXXexperianXXXXXXXX Experian 's inability or unwillingness to find and fix this security issue on their site puts millions of americans at harm, promotes credit fraud and worse of all, the hackers can request the credit report through the site, then getting even more personal details on the customer with which to launch other attacks. 

I have called Experian on the third time to let them know that this is a serious issue, and I believe the CFPB should also take this seriously. There are likely thousands of victims who are not tech savvy enough to know they are compromised.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

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

The 3 Credit Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV XXXX Balance {$150.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (SC)

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this, per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-07-03
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. (GA)

CFPB complaints on complaint numbers ; EXPERIAN- XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.
Consumer complaint received 2022-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation (FL)

XX/XX/XXXX disputed also disputed XX/XX/XXXX advise debt been verified when payment history show different on every report also account type different on the credit reports XXXX XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : AUTO LOAN STATUS DATE : XX/XX/XXXX XXXX show : BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment STATUS DATE : XX/XX/XXXX XXXX show XXXX BRIDGE CREST ACT # XXXX BALANCE : XXXX ORIGINAL BALANCE : XXXX BALANCE UPDATED : XX/XX/XXXX ACCOUNT TYPE : installment account STATUS DATE : XX/XX/XXXX payments history shows different on every report also if car was sold at auction or for lessor value report should not show the full balance
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

I have a mortgage with Truist Bank ( formerly SunTrust Bank ). The bank 's recent merger means my online account now logs into the Truist website. But especially back in XX/XX/XXXX, the new website was not as intuitive or functional as the former SunTrust website. The new website was ( and still not ) as clear as the old website in informing that a payment was scheduled and what the amount was stipulated. 


This means when I logged into my SunTrust account back in XXXX only to find it have " updated '' to the new website and the new " shiny '' but unintuitive design of the website. But nevertheless, I follow the " Make a payment '' button, selected XXXX to schedule my " Monthly payment '' and " Additional principal '', and scheduled my payment for XX/XX/XXXX. The scheduling for XX/XX/XXXX is ahead of the XX/XX/XXXX due date ( and XX/XX/XXXX grace period date ). 


However, the system apparently only scheduled the " Additional Principal '' and nothing else. Thus, XX/XX/XXXX only accepted a {$100.00} payment while the " Monthly payment '' of {$500.00} was not processed. When I scheduled the payment, there is no UI that tells you amount that was scheduled. Even now ( as of XX/XX/XXXX ), if you schedule a payment ahead of the Due Date, the XXXX informing scheduling and amount of the " Payment '' is not visible in the " Make payment '' section, nor the " Activity '' log of the Account view, nor even the " Home '' tab of the website. You have to go the Quick Link under the Home tab > Click " Transfer money '' > and then click " Manage transfers ''. 


Only that area show " scheduled '' mortgage payments ( unintuitively as " transfers '' ). It is notable even now, I only see the completed " transfers '' of only the " XX/XX/XXXX Payment '' for the Mortgage Payment Due XX/XX/XXXX and the " XX/XX/XXXX Payment '' for the Mortgage Payment Due the XX/XX/XXXX. 

This is likely evidence that the system to view scheduled payments even through this hidden way was not yet working in XXXX. 


Thus, when I attempted the schedule the payment, I was left unaware of any issue. Since I operated under the belief that I paid correctly, I did not check the website during XXXX but checked XX/XX/XXXX to pay within the grace period of the XXXX payment. But this point of time, this mean I was already " delinquent '', locked from online payment where I must call-in to pay, and was report to Credit Agencies XXXX 


I paid all overdue and due debts on XX/XX/XXXX via the phone. But the missed payment was still caused by a lack of feedback ( and possible glitch ) in the new Truist bank system. I opened a case with Truist bank to reverse the report to the credit agencies but was denied XXXX. The latest denial is informed to me via letter dated XX/XX/XXXX.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 I, XXXX , a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Equifax of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Equifax must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Equifax 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Equifax would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Equifax stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Equifax answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Equifaxs method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Equifax verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Equifax verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Equifaxs grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.
Consumer complaint received 2022-07-03
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. (MA)

Its showing on Experian a account which a repeatedly told them that I do not have this account anymore, I am authorizer user in this account on XXXX XXXX XXXX and I called Experian more than XXXX times and nobody has been able to help me. so please I need to someone to look into this account and take it off because I do not have this account anymore. 

the inaccurate information is from XXXX XXXX XXXXXXXX amount of {$16000.00}. I do not have this account anymore
Consumer complaint received 2022-07-03
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-03
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk ) XX/XX/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 2022-07-03
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act US Dept of EDXXXX Account # XXXX and XXXX XXXX  Account # XXXX, had violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-07-03
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX 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 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 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The auto loan amount and terms have changed. The agreement is currently involving an amount due of under XXXX dollars to be paid off in monthly installments of XXXX dollars over three years. I have agreed to these terms and had made loyal payments for several months now. The balance reflected in my credit reports shows a past due amount ( but yet written off ) of over XXXX dollars. This is damaging my score. It needs to be updated immediately.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, approx XXXX I went to the Fifth Third bank XXXX ATM XXXX on XXXX XXXX XXXX I attempted to make a cash deposit of {$1100.00}. The machine alerted an error and was supposed to reissue my cash back to me. The machine only returned {$6.00}. I then checked my account balance and the money was not there and the machine reported an error with cash deposits after my money wasnt returned. I attempted to call the bank and the call center was closed and I received no response on the companys user chat.