davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (TX)

I applied for a loan. They told me the loan was approved at a specific interest rate for 5 years and a specific payment amount. All I had to do was login and accept the offer. They said a soft credit check would be done to determine my interest rate, then a hard inquiry after I accepted the approved loan. I logged in and accepted the offer, only for them to turn around and state that the loan application was denied and they did a hard inquiry so now it on my credit report, which will affect my credit score and me subsequently looking for another loan. If they knew you were going to deny the loan they should not have done an hard inquiry. And how can you say the application was approved, only to deny it after the offer put fort by the company was accepted. 

https : //www.prosper.com/
Consumer complaint received 2022-10-27
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 Account XXXX XXXXXXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 1 Bank Name : XXXX XXXX XXXXXXXX. Name : XXXX Bal : {$2700.00} 2 Bank Name : XXXX XXXXXXXX XXXX. Name : XXXX Bal : {$3300.00} 3 Bank Name : XXXX XXXX XXXX. Name : XXXX XXXX : {$2400.00} 4 Bank Name : XXXX XXXX. Name : XXXX Bal : {$2600.00} 5 Bank Name : XXXX XXXX XXXXXXXX. Name : XXXX Bal : {$3800.00} XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX Bal : {$8900.00} 7 Bank Name : XXXX XXXXXXXX XXXX. Name : XXXX Bal : {$840.00} 8 Bank Name : XXXX XXXX XXXX XXXX. Name : XXXX XXXX : {$610.00} 9 Bank Name : XXXX XXXX XXXX XXXX. Name : XXXX Bal : {$7900.00} 10 Bank Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Name : XXXX Bal : {$5100.00}
Consumer complaint received 2022-12-02
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: Affirm Holdings, Inc (GA)

1. CREDIT REPORTING 2. IMPROPER USE 3. IMPROPER REPORTING 4. DESCRIPTION SEE BELOW Be it known that this notice of consumer check and challenge for lawful reporting compliance is officially composed a writ and formal complaint that you are reporting one or more of the following illegally : XXXX XXXX XXXX / Case # XXXX XXXX  XXXX XXXX XXXX XXXX / Case # XXXX -XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX  XXXX / Case XXXX XXXX XXXX  XXXX XXXX/ XXXX Upon receiving my Consumer Report, please provide me with physical proof of compliance and verification. 
You are not authorized to retain or report this allegation if it is not physically irrefutable. 
The use of subterfuge to prove compliance and accuracy of every single aspect of the data is unlawful. In order to ensure that your company retains CURRENT, TRUE, CORRECT, COMPLETE, and MANDATED information in accordance with the FCRA regulation, I demand that you annul any and all details that are inaccurate or not in compliance. 
Please review and ensure your full compliance with the laws governing your practice of reporting consumer credit profiles. 
note : I DO NOT authorize you to mis-report any misinformation now or in the future. 
You must return to or maintain compliance as mandated without injury or prejudice towards me now or in the future.
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a Very Good to Excellent credit rating until there was 1. ) One fake {$580.00} collection placed on all 3 credit bureaus from XXXX to XXXX XXXX and 2. ) a high 93 % usage, with me as a new authorized user, XXXX XXXX XXXX  posted on my account that I immediately called XXXX, closed my XXXX XXXX, and asked to have that info removed from my credit report the same day it posted to the bureaus upon seeing how being a new XXXX harmed my credit in late XX/XX/2023. I filed a fraud alert at Fraud.gov for the collection, and two were immediately removed from XXXX XXXX XXXX which I could see when viewing my daily reports. Transunion has locked me out of viewing my daily credit report since XX/XX/2023! I have spoken XXXX three times, deleted cookies, caches, installed a new XXXX XXXX, even deleted and created a new TU account with c/s help and nothing has helped TU open my credit report to me since XXXX XXXX. I can not view what is incorrect on TU because they will not allow me to access my own credit report. I can log into TU but accessing my credit report isn't allowed. I am asking for help.
Consumer complaint received 2022-08-19
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)

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 602 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 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

On XX/XX/XXXX I put a check into an ATM to fund a new account at 5/3 Bank. I already have multiple checking, savings and business accounts and have for about 20-years. This check was to fund the new personal account. I checked the next day to find the issuing bank ( XXXX XXXX XXXX ) which is local, had paid the {$5000.00} check to 5/3 but it was showing up in the 5/3 account as " Pending ''. I waited 2 days and checked again. Still pending. I did a chat with 5/3 complaining that was not right. Said they would not release the money to my account until XX/XX/XXXX ( 10 days ). Their response to my complaint was " The availability of funds does not guarantee that the check has cleared the bank that it is drawn on, or that the check is authentic. Each deposit goes through the same verification process. Whether a hold is placed on a deposit or not is determined by the life and activity history of the account the deposit is going into. Also, it would depend on the issuing bank verifying the deposit during processing ''. But the check had already cleared the issuing bank. I could see it on the activity statement ( I have access to that account as well ). 5/3 has done this several times before when I deposit a check of over {$2000.00}. It's almost automatic. 

Now, here is what they are doing I think : The put a hold on the big checks that come through ( even if they are cleared the next day by the issuing bank ) and then make money off the float. Interest from my {$5000.00} won't amount to much but if they do this some 10,000 times per month, it would be sizable. In the meantime, they are telling the customer the check hasn't cleared or isn't " authentic ''. 

Now, one solution on my end is just to change banks but I have about 10 accounts, credit cards, debit cards, etc. and to change all those would be a huge burden I don't have time to do. Plus, I have no assurance another bank will be any better. 

For the most part, 5/3 has done OK over the past 20-years. Local managers have gone out of their way to accommodate but this is out of their hands. 

If, for some reason, the bank has reason to believe a check is fraudulent or the money isn't transferred in a timely manner, a hold seems appropriate but when the money is transferred in 24 hours and they still hold it for 10 days, that just plain unethical.
Consumer complaint received 2022-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grow Credit Inc (TX)

I would like my derogatory remark removed. This account is are misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$32.00}. I have reached out to this creditor multiple times that this debt is not mines. I never lived at the listed address and I never had service with this company. I have provided police report as well. The creditor stated to me that there was nothing that they could do to assit with this fraudulent account. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2024-10-25
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. (MS)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
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 may 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 three 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects three 30-day late payments in XXXX XXXX XXXX XXXX XXXX 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 2024-10-25
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. (OH)

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT 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, violated my rights. I looked at my Experian credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
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. (IL)

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX
Consumer complaint received 2023-10-19
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. (FL)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 -- -- -Equifax -- XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Garrison Investment Group (VA)

I am disputing information on my credit report stating I have missed a payment to FOUNDATION FINANCE CO reported on XXXX XXXX XXXX. The information listed above is not information related to any transaction by me. Please provide identification of such information is shown as late. Please remove late payment off of my credit report.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-08-19
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP of education, 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 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (PA)

I applied for a credit card I received in the mail 0 % interest on purchases for 15 billing cycles and 0 % interest on transfers for 18 billing cycles. When I got my card it wash for 12 billing cycles for both purchases and transfers. I called on XXXX talked to XXXX explained what happened and she said she would fix it I would get new papers in 7 to ten days. I never received anything so I called again XXXX talked to XXXX. He said I had to prove that is what I was offered and I had to fax them a copy of it. I did. Waited then called on XXXX talked to XXXX explained everything he put me on with his supervisor XXXX he said they were looking into it .it was under review. Called XXXX talked to XXXX  and she explained that it not what I sighed up for. Now I have proof his is what I signed up for I have the papers. One time they are going to fix their mistake, then I have to prove that I had the papers. Once I prove it then they said thats not what I signed up for. I think this is a XXXX XXXX XXXX  all I want is 0 % for 15 billing cycles 0 % for 18 billing cycles. Thats what I sighed up for
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.