davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute certain information in my credit report that I believe is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (MO)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-07
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account numbers XXXX, XXXX, XXXX, and XXXX and 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 2023-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (VA)

I opened up a new checking account at Ally bank using the promo code " XXXX XXXXXXXX '' where I was supposed to get a XXXX $ payment for opening an account and posting a XXXX $ direct deposit. I met the requirements with a direct deposit payment from my business checking account at XXXX XXXX. I've called the bank directly at least 10 times inquiring about the payment and the teller says everything looks good and to wait on a call back which I never received. I opened the account back in XXXX and the direct deposit of XXXX $ from XXXX XXXX posted on XX/XX/XXXX. Even if Ally wants to say that business checking payment doesn't count as direct deposits they could have communicated that to me during the offer window in which I could have found another way to satisfy the requirements but I have received zero communication about my situation other than my own call ins to these customer service reps that don't know anything about the situation or have any authority to make any decision.
Consumer complaint received 2022-08-22
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. (NC)

In accordance with the Fair Credit act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX
Consumer complaint received 2022-08-22
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. (NC)

In accordance with the Fair Credit act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX
Consumer complaint received 2022-07-12
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (OH)

This account was opened on XX/XX/XXXX. This account was reported closed on XX/XX/XXXX, which is inaccurate. After a recent review of this account today on XX/XX/XXXX, the account was updated. However the information is still incorrect because now the account reflects that reopened after being closed and is now reporting late payments. The account is reporting late payments on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of these reports are inaccurate because they are updates in payment history after the date in which the account was originally closed. Because this account is in a closed status and has been in closed status for over 2 years now. This account can't be reported late after previously being reported closed and charge off. 

This is an update in payment history after the account has been closed and charged off. I shouldn't have an active payment history on an account that has reportedly been closed and charged off. This inaccurate information falsely manipulates my creditworthiness, and it's hurting my ability to obtain credit. Experian and XXXX has failed to investigate this account properly after I have repeatedly asked to have the account updated correctly. This neglect has once again violated my consumer rights. I am again demanding the deletion of the following account : Account Name ; XXXXXXXX Account Number ; XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I am writing to formally dispute a fraudulent collection account added to my credit report by XXXXXXXX XXXX XXXXXXXX. Recently, I contacted Experian to dispute this collection ; however, I was only able to add a fraud alert due to the automated system. The automated voice system disconnected my call several times, preventing me from speaking with a live representative to resolve this issue. 

This collection account is fraudulent and should be removed from my credit report immediately. I filed a complaint with XXXXXXXX XXXX XXXX regarding this account, as it was opened as a result of identity theft. After reviewing the evidence I provided, XXXXXXXX XXXX XXXX agreed that my claim of fraud was valid. They confirmed in writing that they would remove the tradeline from my credit report. 

Despite this agreement, I now see that both Experian and XXXX have added this account as a derogatory item on my credit file. Based on this trend, I anticipate that XXXX will likely add the account as well, which will further harm my credit standing. 

I have saved the letter from XXXXXXXX XXXX XXXXXXXX as proof that they acknowledged the fraud and agreed to remove the collection account. I expect Experian to follow through on this agreement and remove the derogatory account from my credit file immediately upon receipt of this complaint.
Consumer complaint received 2022-09-14
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. (MO)

This is bothersome! The Credit Bureaus have kept reporting the fraudulent information on my Credit Report without properly verifying the disputed accounts and information. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted du to identity theft. I have been submitting multiple dispute letters attached with my complete identifying documents as well as the Identity Theft report I received from the FTC. The items I am disputing does not relate to any transactions that I have made or authorized, neither did I allow anyone to use my information to do transactions on my behalf. I am submitting this CFPB Complaint to request that the Credit Reporting Agencies remove the disputed items completely from my Credit report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balanced Owed : {$660.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. The Credit Reporting Agencies have failed to provide me copies of proof of verification or any documents bearing my signature.
Consumer complaint received 2022-11-16
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. (PA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-27
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. (MA)

Hi XXXX Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the Servicemembers Civil Relief Act ( SCRA ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the SCRA, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important matter.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I called the company, made a full payment of my remaining balance ( {$110.00} ) and told the representative that I wanted to close the account. I was told the account was now closed. 

In XXXX I received a text message from the company stating I had a remaining balance of {$2.00}. I called the company and explained I had paid out the remaining balance and had closed out the account the month before. I was told the representative had made a mistake and left the account open, that the {$2.00} ( in interest charge of XXXX purchases and {$0.00} balance ) would be voided and the account would be closed. 

On XX/XX/XXXX I received once again another text message stating I now have a balance of {$66.00} ( continued interest charges on XXXX purchases and {$0.00} balance, plus late fees ). I called once again, asked to speak to a supervisor since this was the second time the account had not been closed. I spoke with supervisor XXXX # XXXX ( XX/XX/XXXX at XXXX XXXX  ) and tried to explain the situation, and my multiple attempts to close out the account. The supervisor was extremely rude and disrespectful. He stated they wouldn't close out the account until I paid the {$66.00} in fees, and that I had no choice but to pay the fees because that is what the computer shows I owe. 

I have now received multiple calls from different individuals stating they are from collections attempting to collect the {$66.00} debt. I do not understand how the account has been sent to collections if the account remains open with the company still acquiring fees. 

It is unethical and against the law for the account to have remained open after I requested to close it, twice, and for the company to continue to charge me for an account I no longer agreed to keep open. 

My daughter attempted to call for me on XX/XX/XXXX to see if she could resolve the issue before putting this complaint in, and was told there were no supervisors available for her to speak with and that the only think they could do is transfer her to a XXXX speaking representative ( since I only speak XXXX ). 

Ive exhausted my ability to resolve directly with the company as their proposed solution has been for me to pay and still nothing guarantees they will actually close the account. 
I would like the help of CFPB in resolving this matter before having to search for an attorney. I would also like for other people to be aware of the companies ethics and lack of respectful customer service.
Consumer complaint received 2022-09-14
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. (CA)

This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. 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. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am filing a complaint against Experian for allowing multiple unauthorized inquiries to appear on my credit report. After contacting both Experian and the creditors responsible for these inquiries, none could provide proof that I authorized them. Specifically, I did not give any written or verbal consent for these inquiries, and no legitimate purpose has been confirmed. The unauthorized inquiries in question are : XXXX. XXXX XXXX, Date : XX/XX/year> XXXX. XXXX XXXX, Date : XX/XX/year> XXXX. XXXX XXXX XXXX, Date : XX/XX/year> These inquiries have had a negative impact on my credit history and have limited my ability to obtain credit. Since I did not authorize these inquiries, there is a concern regarding potential misuse or misrepresentation of my personal information. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with an explicit, permissible purpose should appear on a consumer 's credit report. Failure to verify proper authorization may indicate non-compliance with these regulations.I request the CFPBs assistance in ensuring that Experian promptly removes these unauthorized inquiries from my credit report. Additionally, I ask that the CFPB investigate these circumstances to prevent any potential misuse of consumer information that could lead to unauthorized or misrepresented credit inquiries in the future. Regards XXXX XXXX
Consumer complaint received 2023-02-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

This afternoon, I was dismayed to see accounts that shouldnt be on my credit report, and I have no idea how they got there. I check my report regularly, but this time there were surprising errors. I even tried refreshing my browser, hoping it would help, but the inaccuracies remained. Im asking for a detailed review of my submitted documents to ensure I never have to face this issue again.
Consumer complaint received 2022-09-14
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. (CA)

I have 2 more inquiries that are unauthorized please delete them someone is running my credit and applying for credit in my name. I have highlighted the 2 inquiries that are unauthorized in the attachment area
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

i recently reviewed my credit report and noticed that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ). i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-09-14
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. (GA)

Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately.
Consumer complaint received 2022-12-05
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. (TX)

FCRA Violation : hard enquires not mine 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 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