davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX associates never provided me with any sort of documentation indicating this account belongs to me neither did they provide me with documentation containing my signature nevertheless Experian continues to report that account as a collection on my credit report. 


I do not have any responsibility for the debt being reported to my credit report, please remove this information immediately.
Consumer complaint received 2021-11-29
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. (UT)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Balance {$240.00} XXXX-Balance {$730.00} XXXX XXXX-Balance {$20000.00} FXXXX XXXX-Balance {$360.00} FST XXXX-Balance {$130.00} XXXX-Balance {$470.00} XXXXBalance {$0.00} XXXX XXXX XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$130.00} XXXX XXXX XXXXBalance {$12000.00} XXXX-Balance {$0.00} XXXX  XXXX XXXX-Balance {$0.00} XXXX XXXX FXXXX-Balance {$2400.00} XXXX-Balance {$0.00}
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called transunion numerous times and was told these inquiries would be deleted. Please delete immediately. These are unauthorized and I never consented. No consent is identity theft. See attached ftc report.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. 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. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX  XXXX, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Consumer complaint received 2022-08-08
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Late Date XX/XX/22
Consumer complaint received 2021-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( XXXX ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required XXXX-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : BANK OF AMERICA, BALANCE {$830.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On or about XX/XX/2022, I observed an unauthorized transaction on my Wells Fargo checking account in the amount of {$7.00}. from " XXXX XXXX XXXX XXXX XXXX ''. It ALLEGED that I made the transaction on XX/XX/2022, however, I am inside my apartment and i NEVER left! On the same day, the amount was reversed in the same amount of {$7.00}. I cancelled my debit card immediately and requested a new debit card. I contacted Wells Fargo customer service and spoke to XXXX ( phonetic ) refused to provide last name and advised her of the same and I was issued a claim number. XXXX LEFT ME ON HOLD for over FIFTY minutes and counting! I would like to know who made this transaction, I want them held accountable and why was I left on hold with this VERY serious issue!
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I recently opened a credit card with Capital One in XX/XX/2021. It is set up to autopay the full amount owed on the XXXX of every month. It's a XXXX Capital One card and I only use it for XXXX purchases because of the cash back reward. I used it for a few months without issue. I bought a TV with the card for XXXX, so my payment went from around $ XXXX to {$2000.00}. After that payment posted I repeatedly tried to use my card and was told the card had been declined and I had {$0.00} credit. The card has a {$3000.00} credit limit. The first time I called Capital One they told me there was a problem with the payment and they had sent a message to XXXX with no response. I called XXXX and they said, no, there was no communication and the funds had been debited by ACH and were in XXXX XXXX 's hands and immediately available. XXXX XXXX therefore lied to me. When I called again they said it was because the payment was higher than normal, and they did confirm that they had received and processed it, but that I wouldn't have access to my credit until the XXXX ( a week after payment had been made ). 
When I check my payment and credit accounts it shows the full payment has been debited from my Chase payment account to Capital One per the autopay settings, but when I call Capital One they said they put a " routine '' hold on the payment and won't release it for a few more days, due to the fact that my payment higher than normal. It shouldn't matter what the amount is, in my opinion. I've not exceeded my credit limit, the payment has been posted, Capital One has their cash. I'm almost XXXX XXXX XXXX, I've never had this happen before and have never heard of this, and my income is six figures, great credit score etc.. The funds are gone from my payment account, and Capital One acknowledges that they have received the funds, but they won't let me use credit. The attachments show the funds have been debited from my XXXX account and posted to the Capital One account.

What is going on here? This sounds like they are using the money for their own gains/use without letting me use credit. How is this legal? I have plenty of other credit to use but I find this extremely concerning. What if I were a lower income individual who needed the credit card to pay my bills? This could cause cascading injury to lower income people who rely on the credit card to survive and pay bills.
Consumer complaint received 2022-11-07
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. (CA)

XX/XX/2022 Called Equifax to understand what they are referencing when they say too many accounts open, too short a credit history and late payments. None of that is true. 
What I was told when i pressed the agent about how many is too many accounts and believe it or not she said 'my understanding of too many is more than one '. I remain flabbergasted one day later. These folks sit in judgment and clearly enjoy having this control over the general public. 
XX/XX/2022 Called XXXX, had a much better experience and they explained that i had a {$120.00} balance due with XXXX 's. I explained what happened ( wire transfer didn't go through as planned ) and the agent was understanding and said she would note the reason. I asked about all the other derogatory information such as too many accounts open and not enough credit history, she was far less able to answer these inquiries but offered to send me via mail my credit report. 
saved the most egregious for last : XXXX. You would not believe what I heard from their expert. XXXX claimed she was the XXXX. She told me point blank, " we are not experts ''. I am appalled. They are reporting on very sensitive financial documents that directly impact my credit worthiness and directly impacts my new mortgage. This is truly a travesty. This system does not work and needs an overhaul. I don't say this lightly, I feel victimized.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Collections & Recoveries, Inc. (FL)

On or around XXXX XXXX my legally separated x-wife went to the dentist and was seen and was billed for the visit. During the Divorce hearing the judge ordered her to pay the Bill. She waited until after she was remarried and then paid the bill under her New Married name. Ever since XX/XX/XXXX I have been receiving collection letters and phone calls asking me to pay the debit, I have repeatedly told the collection agency this is Not my debit. On XX/XX/XXXX I received another collection letter stating that the due amount is {$970.00} and I currently live in the state of Florida. The debit initially was opened in Nebraska and this debit is not mine and too old to collect. I would like the harassment to stop.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

Hello, What is the reason a XXXX looks at 2 year history of employment .... 

... how likely it is that you'll continue to make that amount of money. And many are paying more attention to your current employer. 

Ok, so if this is the case, why would you deny me a loan in which you approved on XX/XX/2021. Now on today XX/XX/XXXX after sending a letter of why I had an employment gap, notating that I have XXXX. All of a sudden I am denied? I will be taking this issue further in legal pursuits. I feel discriminated against. I informed you all before you took another jab at my credit scorXXXX. Now how can I find another suitable XXXX? It should have been a simple no, but as soon as I mentioned XXXX, my loan was denied and closed. 

XXXX XXXX XXXX XXXX delivered the news in a very unprofessional manner. He said the phone conversation was recorded, so please listen to it. I will continue to email every person within this company until I receive a proper explanation. Attached is the letter I sent yesterday. You tell me where you felt I was to be denied reasonably. Thank you all for your time. And if you know of any other important contact names that I should be aware of, feel free to email me and let me know. Otherwise, please forward to direct personal.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

On XX/XX/XXXX I opened an account with XXXX XXXX XXXX card. At that time, I was given a credit limit of {$8500.00}. I used it to transfer 2 balances from 2 other cards and had a few other purchases but remained well under the {$8500.00} credit limit. During that time, I have paid every month on time and no missed payments. Today XX/XX/XXXX I received a letter informing me that my credit limit was reduced to {$6100.00}. Which has now cause my card usage to go from 70 % which I know is high but was working on reducing it to 97 % usage. That is completely unfair to do and will have adverse affects to my credit for the next several months while I now scramble to try to pay it down. I was told it was due to factors on my credit file, however the only difference in my credit file has been my score that has increased. I used XXXX to keep track of my credit score and when I applied for this card I was in the high XXXX. I am now in the XXXX range and do not understand how a company could put a customer into a position, on purpose, to hurt someones credit file. This is pathetic customer service for someone who has never been late and was given a credit limit 5 months ago only to have the credit card company decide to decrease it.
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

CHASE CARD
XXXX XXXX XXXX XXXX XXXX
XXXX  HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF XXXX THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2023-05-17
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: TRANSWORLD SYSTEMS INC (VA)

Transworld Systems Inc Fraudulently Contacted one or all three credit bureaus without validating a this debt. I Required this company to supply me with a list of items to validate debt such as ; Proof of ownership, Proof of a contract between myself and their company, Proof company has a legal right to collect in my state ie. To date this company has failed to provide this information. This company is in direct violation of federal statues.
Consumer complaint received 2021-12-14
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. (FL)

Based on complaint # XXXX Experian required proof of my XXXX card as they are having issues with the number they have on file. How strange when out of dozens of disputes that I have sent to Experian they have never mentioned that my XXXX number does not coincide. This is another strategy they use to avoid removing unverified accounts.
Consumer complaint received 2022-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

So I called capital one on XX/XX/XXXX to get clarity as to why my account was randomly closed on XX/XX/XXXX, and the dispute team, fraud department, and management could not give me a direct answer but what may have been a reason. My account is Closed and is hurting my credit score while I'm also being denied opportunities because I have false late payments with a closed account. I've been calling to get clarity and nobody cares to answer my question but they are continually reporting negative and inaccurate information to my credit profile which is causing defamation, violating my privacy while they are being negligent. Capital is failing to follow procedures to correct the situation.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Im filing a complaint against Fifth Third Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Last week of XXXX when my husband called 5/3 Bank disputing an unauthorized charge made by XXXXXXXX XXXX. This bank said that they will block our debit card and will send us a new debit card and we will receive it in 7 to 10 business days. 2 weeks has passed, we never received any debit cards. My husband followed it up on XXXX XXXX, and XXXX XXXX with same statements, well expedite the card within 5 business days and mail it to you but we never received it. We were charged for {$30.00} for the cards which do should have not done. 

My husband and I went to meet the Bank rep XXXX, on XXXX. XXXX and said the same thing. He mentioned we will received it in 5-7 business days but never received our debit cards. XX/XX/XXXX, my husband and I went to this branch again and spoke with the bank manager XXXX XXXX, Branch Manager and said the same. Nobody gave us a call as they promise to us.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX