davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2023-04-05
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 (NM)

On XX/XX/XXXX, Capital One sent me a notice that told me they were closing my account ending in XXXX. The only reason they gave is " this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement ''. I did not violate the Customer Agreement and this is discrimination. They are not allowed to close my account because it doesn't meet expectations for account usage. The notice said " Please stop using this account immediately and destroy any cards and checks associated with it ''. They advised me in this notice I am responsible for any balance there is. 

This is discrimination against me as a consumer and is in violation of 15 USC 1691 for closing my credit card account and denying me credit when applicant, myself, was in good faith and exercised my right. This is also in violation of 15 USC 1642, USC 1681, and 12 CFR 1002a, a creditor shall not refuse to grant an individual account to a creditworthy applicant. Capital One violated 15 USC 1691d ( 2 ) ( B ) because they took adverse action against applicant and they did not give proper written notification of adverse action which discloses proper information as stated in this law. They also violated 15 USC 1691d ( 3 ) because they did not provide a statement of reasons for the adverse action taken that contains SPECIFIC reasons for the adverse action taken. 

I sent two notices to Capital One requesting detailed information on why they turned off my credit card account and what exact part of the Customer Agreement they claim I violated. I did not receive any notice or information with my requests. Capital One ignored both notices. The first notice I sent them was on XX/XX/XXXX and the second notice was on XX/XX/XXXX. The second notice I also send an affidavit of fact to them along with an invoice for them to reimburse me for damage caused and penalties for violating my rights. As of today they have not responded. I am seeking my credit cards be opened again and usage immediately and my billed invoice be paid to me by check within 10 business days of them receiving this complaint. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX and I use this credit card account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost significant revenue for two times my truck was in need of repair and I was not able to get it fixed due to not having this card. Not only did this cause a loss of revenue but a lot of unnecessary stress and XXXX According to 15 USC 1691e, Capital One is liable to pay applicant {$1000.00} per violation and {$10000.00} in punitive damages.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Dispute of Incorrect Address Information on Credit Report To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding Experians, XXXX handling of my request to remove outdated and incorrect address information from my credit report. Despite multiple requests to correct this information under the Fair Credit Reporting Act ( FCRA ), my report still includes addresses that are no longer valid or do not pertain to me. 

Specifically, my Experian credit report includes the following incorrect addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses do not reflect my current or past residences and, therefore, are inaccurate. Under the FCRA, credit reporting agencies are required to maintain accurate information. Failure to remove this outdated and incorrect information is not only misleading but potentially harmful to my credit standing. I kindly ask the CFPB to assist in ensuring that Experian complies with the FCRA by updating my credit report to reflect only accurate and relevant information. 

My current address, which should be the only address on file, is : XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX, TX XXXX Thank you for your attention to this matter, and I look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-15
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. (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 XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX XXXX XXXX XXXXXXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment XXXX also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
Experian : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-28
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-04-05
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-04-05
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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 2023-05-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NY)

Citi bank started litigation for a time barred debt which has way past it's statute. Every time I file a complaint to the CFPB the response of the bank is simply that this matter is in pending litigation which is exactly the reason why I actually filed this complaint that they began litigation on time barred debt in violation of the FDCPA. Their continued response that the matter is in litigation is not an answer or an excuse, it's actually the core issue and violation why I'm complaining about and must be properly addressed.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : 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
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (OK)

The company was Barclays. XXXX I made conctact with them on XXXX and filed a complaint after I kept receiving bills in a married name that I used over 25 years ago, and I have never had or applied for a credit card thru them. They advised me that on XX/XX/XXXX credit was applied for and a issued to XXXX XXXX, and it was for XXXX and they had all my information SSN and DOB and current address. When I asked what it was used for they advised that on XX/XX/2023 for 8 days in a row the card was used at XXXX in Florida for XXXX each day, and then at XXXX XXXX in California for the amount of XXXX and the phone number for them was XXXX. I asked what can I do about it, and they advised they would investigate. Then just a few days later I received a letter that all the information was correct and it was my debt. I'm a XXXX XXXX  and I have a credit score of XXXX. I do not need bad credit on my report, especially one that I did not create. I made a police report. Approximately one year ago XXXX XXXX XXXX, in XXXX, texas sent out letters that their Computer systems had been compromised and everyone 's patient data had been obtained by someone on the web. I have had no problem til now. I just don't know what or where to go from here.
Consumer complaint received 2023-08-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (MT)

I acquired a loan on an RV with Alliant Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( Phone XXXX ) in XXXX of XXXX. Since that time I have made XXXX payments on the loan including the latest, XX/XX/XXXX. 

The paper statements I have received for the loan do not seem to accurately reflect what should be paid to principle and interest- they do not follow any amortization table, given the specifics of the loan. 

I have tried repeatedly to contact Alliant Credit Union and have not had any success in getting them to explain to me what they are doing with the payments- except for them to say 'the money is applied to interest first and then any left over is applied to principle '. 

This does not make sense, again, given what the loan interest rate and payback period is.
Consumer complaint received 2022-11-11
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2023-12-01
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: EQUIFAX, INC. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.