davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

We chalked up {$470.00} worth of reward points with Comenity Bank and asked for a cash back for that amount. They then deposited to our account with a credit union {$4.00}. This took place on XX/XX/2023. My wife has made multiple calls and emails to try and correct this error since that date. We have received many different answers on when this was to be corrected. We even asked for a supervisor to talk with and then they hung up on my wife. We feel that after 30 days plus of waiting that this needs to be resolved. Please respond by email or phone as to when this will be corrected. Thank you,
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment was incorrectly reported due to a clerical error on the part of XXXX. My payment was made on time, as confirmed by my bank records, but was mistakenly recorded as late due to a processing error within XXXX 's system. This error has unjustly impacted my credit report and does not reflect my true payment history. 
Evidence provided : Bank statement showing the payment made on time. 
Confirmation from XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (MO)

1.Original Creditors Name : XXXX XXXX XXXX XXXX. XXXX  ( XXXX XXXX ) Closed {$4100.00} 2. Original Creditors Name : XXXX XXXX XXXX XXXX Closed {$1000.00} 3. Original Creditors Name : XXXX XXXX XXXX XXXX XXXX Closed {$520.00} In accordance with The Fair credit reporting act this account has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Prosper Marketplace, Inc. (TX)

I havent checked my credit report in a while and realized that I had a lot of hard inquiries that I did not do, XXXX XXXX XXXX  on XX/XX/year> was the hard inquiry I dont even know what it is ProsperXXXX ( finance ) on XX/XX/year> XXXX ( bank ) on XXXX XXXX XXXX XXXX  ( bank ) on XX/XX/year> XXXX  ( bank ) on XXXX XXXX All of this hard inquiries were not made by me, Im thinking is when I lost my if and social was around the time this were made, and was just noticing these,
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Transunion because I saw some UNVERIFIABLE items on my personal profile which are UNKNOWN to me Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NJ XXXXThis address isn't mine I didn't live here, please eliminate the fraudulent address. Account : XXXX XXXX XXXX XXXX : $ XXXXPlease block and remove this account from my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these items are inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-08
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. (NJ)

I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Experian because I saw some UNVERIFIABLE items on my personal profile which are UNKNOWN to me Name : XXXX XXXX XXXXThis name is not MINE, Please remove as Per FCRA 605B. Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXThis address isn't mine I didn't live here, please eliminate the fraudulent address. Account : XXXX XXXX XXXX XXXX : $ XXXXPlease block and remove this account from my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items areinadvertently resulting in me being extorted.
Consumer complaint received 2022-06-08
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. (FL)

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX date : XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2022 XXXXnquiry date : XX/XX/2022 XXXX-Inquiry date : XX/XX/2022 XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove personal information from my credit report, name is incorrect and also the address listed on the credit files doesn't belong on my credit report. 

On the attachments below i uploaded a few documents showing my physical address and also a copy of my credit report with the errors that's on it circled, Plus many more important documents is attach to it.

According to the act, there shall be no charge for this updated report. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

These are clear violations of my federally protected consumer rights. 

Thank you for your time and help in this matter
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2021 during the XXXX XXXX sales, there was a website that was offering consumer electronics at a discounted price. I wanted to purchase a XXXX console and filled out my card details through a " secure '' transaction form and was charged {$100.00} on my Chase account. The transaction stated that it was done through XXXX by an anonymous pseudoname. Nevertheless, I recieved a tracking number through USPS and it said I would recieve the package in 5 days. Attached is an image of the transaction, the merchant name, date, and amount. 

I wait for 5 days and my package has not arrived. The tracking number says that the package was delivered but there was no package. I call Chase to dispute this transaction because I have not recieved the package and there is no contact information from the merchant. No e-mail, no phone number, no address. No information at all to reach out to the merchant. Chase intially credited back the original amount however, a month later, they charge me again for that amount. 

I call Chase to ask them why I was charged again even though it was disputed and I never recieved the item. They said that because the tracking number says that it was delivered, that means that the burden of proof is on me that I never recieved the package. I called the XXXX about this and provided them the tracking number to invesitgate what happened to this package. The XXXX discovered that the package was never meant to be delivered to my address and that this was a classic case of mail fraud. ( Attached is an email from them. ) You can check the tracking number on USPS website and see that the label was created but never shipped. ( Also attached ). This further proves that this was a case of mail fraud. 

I provided Chase this information and they investigated this issue again but I did not hear back. I call them to ask why I didn't recieve any update and they said they did not change their decision. They said that the matter should be resolved between the merchant and the consumer. There is absolutely no way for me to contact the merchant. I have explained this several times to Chase and provided all this proof and they still reject and ignore my case. I have never seen an investigation team so blind to the facts that they think that I was not a victim of fraud given all this proof.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses and names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The INCORRECT Addresses that should be deleted are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Financial Business and Consumer Solutions. (AZ)

I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and XXXX were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.
Consumer complaint received 2022-11-01
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. (MN)

This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (GA)

I recently pulled my XXXX consumer report because I found my dream car to replace my original car that was recently totaled by the insurance company. I was doing my due diligence before going to seek financing and found that Nationwide Recovery Systems ( NRS ) was furnishing a negative tradeline on my consumer report. Please see the attachment for proof of the furnishing of the negative tradeline. Upon information and belief, NRS is a debt collector as defined by the Fair Debt Collection Practice Act ( FDCPA ). NRS has violated the FDCPA by engaging in unfair and deceptive practices as they attempt to collect an alleged medical debt from me. NRS has damaged my reputation by furnishing a negative tradeline on my consumer report. I have never given NRS direct consent to communicate with me as I have never done business with them nor have I ever contracted with them. Therefore I deny being legally obligated to pay any and all alleged debt to NRS. I have never received any communication about this alleged medical debt until NRS took it upon themselves to willfully report an invalid alleged medical debt to my consumer report in an effort to coerce payment from me. NRSs willful and intentional actions have defamed my character by portraying me to not be credit worthy and put me at risk to be denied credit and/or be subjected to predatory lending due to the lowering of my credit score.
Consumer complaint received 2023-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention a matter of serious concern regarding what appears to be numerous, rapid attempts to correct the reporting status of late open accounts on my credit file. While I appreciate the swift action, I am deeply troubled by the frequency and speed at which these corrections are being made, as they seem disproportionate and raise questions about the accuracy of my credit report. 

I have noticed several instances where the reporting status of late open accounts on my credit report has been corrected at an unusually fast pace. While I acknowledge the importance of accurate reporting, the speed and frequency of these corrections have raised concerns about the thoroughness of the review process. 

Despite the rapid corrections, I have not received any communication from your agency seeking verification or authentication of the changes made. The absence of proper verification procedures raises questions about the accuracy and reliability of the reported information. 

I request an immediate and thorough review of the corrections made to the reporting status of late open accounts on my credit file. I seek transparency and assurance that each correction has undergone a comprehensive verification process to ensure the accuracy of the information. 

I kindly request that your agency provide me with a detailed explanation of the procedures followed in correcting the reporting status of these accounts. Additionally, I would appreciate regular updates on the progress of any ongoing investigations into these matters. 

To facilitate your review, I have attached relevant documents. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00}.
Consumer complaint received 2023-04-05
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. (NY)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-19
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: FORD MOTOR CREDIT CO. (LA)

In accordance with the fair credit reporting Act XXXX Credit Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 states a consumer cant furnish any account information without my written consent.

15 USC 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 2022-06-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank, XXXX XXXX XXXX, XXXX XXXX XXXX Bank Officials XXXX XXXX and XXXX XXXX XXXX Customer Service I have received two notices concerning my mortgage payments, they are delinquint and am being charged fees. Since I started payments on the mortgage XX/XX/XXXX I have always made my payments sometime a little before to a little after the date, this last month I have been falsely accused of missing a payment. My loan details can be confirmed that I have made payments, they have been posted, and no issues until now. 
I have sent copies to the bank in Mississippi requesting the fees be dropped and any negative comments on my credt if any to be removed. I have paid the late FEE of {$250.00} as of XXXX XX/XX/XXXX just to avoid additional issues. I make my paymenys electronically and always have since my account has been active. This unfair and unjust action against me has caused severe emotional XXXX, lack of sleep and constant worry. Please help. Respectfully XXXX XXXX XXXX