davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, XXXX entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (PA)

I XXXX XXXX XXXX received a copy of my consumer report and noticed unauthorized inquiries and fraudulent accounts on my consumer report. These accounts are hurting my reputation and hindering me from getting a second job and going back to school to support my family. Im severely stressed because my consumer profile is vital and these fraudulent accounts is these reason I cant get job to support my family I filled out an Identity Thief FTC report see enclosed.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit acceptance corporation Open on XX/XX/2020 Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft XXXX  Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX  and fraud.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I have marvelous been improving my credit score over XXXX  past in six months, only to find out that I have been screaming to remove XXXXXXXX XXXX  vehicle loan on a XXXX XXXX XXXX, from a head-on accident in XXXX, no fault of minesXXXX XXXX XXXX paid out covering me till defendant paid! But, Gap company breached contract never paid, but XXXX contacted me for a settlement program followed my half-payment as settled but, never mailed me out the 1099-C form for my taxes, they have recorded but has denied me access for some time, violating my rights! I'm requesting a full deletion of the charge off, removed from the following : XXXX, XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX  and XXXX and requesting compensation for all the high interest rates of 26 % and principal balances plus 2 cars XXXX XXXXXXXX XXXX, XXXX that broke down in 6months ( stoped running ) and 2nd vehicles XXXX XXXX XXXX, same thg ( discontinued in the USA ) brokes down daily as a result of the charge-off causing me heartache, headache and definitely lose of income struggling to pay bills. I have spent hours on the phone w XXXXXXXX XXXX  esp this pass Monday XX/XX/XXXX while a the dealership trying to purchase a new car again within the last 2yrs, as a result of higher interest rates and lower credit score @ I have the internal setup within the XXXX banking System causes lazy employees not to serve the general public in a way that helps to be successful! Several ppl, working on their Credit Specialty team, XXXX XXXX XXXX, Total Loss team, Bankruptcy team, they love transfer my calls around and around in circles.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (SC)

I noticed some inaccurate items on my credit report and reached out to the credit bureaus to have the reporting information verified. I sent letters to each bureau on XX/XX/2022, and again on XX/XX/2022. I have not received the method of verification used to show these entries are accurate and they still appear on my credit report. 

Here are the items in question : DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

DPT EDXXXX XXXX I have never been late on this account. 

XXXX XXXX XXXX Provide the document that shows I owe {$1200.00} XXXX XXXX This was pay per delete agreement and needs to be removed. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

XXXX XXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

DPT EDXXXX XXXX I was never late on this account. 

XXXX XXXX  XXXX Provide the method of verification that proves I owe {$160.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint against TransUnion because they have failed to ensure that the information being reported by XXXX XXXX XXXX is accurate. Despite my dispute regarding inaccurate charge-offs, TransUnion has continued to report the same incorrect information, which has caused damage to my credit. 

XXXX XXXX XXXX has been inaccurately reporting my account ( Account # XXXX ) as charged off for XXXX consecutive months. 
I filed a dispute with TransUnion to correct or remove the inaccurate information. 
Despite my dispute, TransUnion has continued to report the multiple charge-offs each month, further harming my credit score. 
This repeated reporting has led to credit denials, emotional distress, and financial hardship. 
I believe that TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ), which requires them to ensure the accuracy of the information reported on my credit report.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Was contacted by XXXX XXXX on a debt that capital one sold them but has already been paid! Basically Capital one just scammed them! Im sure it was a mistake but I just want this corrected before XXXX XXXX  tries to put this on my credit! A written correction!
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

-I tried calling Equifax XXXX and also XXXX. I also tried creating an account to request these service on MY EQUIFAX and was blocked on both. I tried calling again and still was not able to get thru. The phone calls said they could not complete my request and the online attempt stated to contact them, with no results. The other credit reporting agencies ( XXXX and XXXX ) I had no problem over the phone it toke minutes. Equifax I have had absolutely no connection with either on the phone or online, I believe they have a federal requirement to provide these yearly reports, but they make it impossible to get them.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

I have a monthly credit card payment plan through T.D. Bank in New Jersey. I received a notice my monthly payment was due on XXXX/2022/. I scheduled a payment for XXXX/XXXX/2022. The company did not process it and failed to notify me there was an issue. The online payment showed it was still pending. This company charged me a XXXX late fee. I have been unable to get through the phone line to speak to anyone. The online account does not even list an account number. I am only required to pay {$27.00} a month per the purchase agreement I made for the product through XXXX. I made another payment today and it only shows as pending. Their website is highly problematic when making payments. It doesn't show the agreed payment amounts at the time of purchase and seems to have problems posting payments.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OR)

Filed fraud complaint # XXXX with XXXX XXXX XXXX after finding fraudulent purchases on card. Was alerted by my personal bank XXXX XXXX that US bank had made an unauthorized transfer from my checking account of {$4000.00}. Accessed account and found fraudulent charges of just over {$9900.00}. Was sent a letter saying I was responsible for charges as I had received benefit from them. Service rep called me after I sent in unfavorable survey, reopened investigation, determined an unsolicited replacement card had been sent to me and was likely stolen in the mail. Got e-mails every 2 weeks assuring me they were working on it. On XXXX/XXXX/22 received e-mail saying claim was near resolution and I would receive an explanation letter. Never got it. Called and was told it was resolved and I had credits but they couldn't do anything about it because XXXX XXXX account was changes to XXXX XXXX. XXXX XXXX said I hadn't filed a complaint in a timely manner. Sent certified letter to US Bank requesting explanation letter and documents on XX/XX/22, still have not received a reply.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2022, I found a TDBANKUSA/TARGET fraudulent credit card with a balance of {$7700.00} on my credit karma. I placed an online dispute as I am a victim of identity fraud and never applied/ opened for one. According to my XXXX, this credit card was opened on XX/XX/2022. I was never sent the letter with the physical card, so was not aware of this fraudulent activity until the credit card was used/ shown updated with the {$7700.00} balance on XX/XX/2022. 

On XX/XX/2022, I called Target Fraud Department in the morning to report this credit card as fraudulent. Their representative XXXX informed me they reviewed my dispute claim and denied it. According to XXXX, the company reviewed my claim and I should've received a letter regarding this update as the company sent out a letter on the XXXX of XXXX. I told her I never received one in the mail and she reassured me the letter should be arriving soon. I asked for clarification - asking if the denied dispute claim meant I was liable for this fraudulent account. XXXX replied " yes, you are liable. '' I further inquired what steps were taken to come to this conclusion for them to deny the claim. And restated that I wasn't the one who opened the account. She said I will know more about that when I receive the letter. She suggested I could submit an appeal and gave me the address. 

Later on that day on the XXXX, I went to my local police office to file an Identity Theft police report along with an FTC report in regards to this issue.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to urgently address the fraudulent account that has been reported on my credit file. I am a victim of identity theft, and this negative account is the result of criminal activities conducted without my knowledge or consent. 
It is essential that this inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent account in question was opened by someone close to me, who stole my personal information and used it to open account in my name. After becoming aware of these unauthorized activities, I contacted the bank, who has acknowledged the situation and agreed to remove the fraudulent account from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The bank has confirmed the identity theft and is aware that the account was opened without my authorization. 

XXXX XXXX
Consumer complaint received 2022-11-19
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. (OH)

My Problem is with all 3 Credit Bureaus. XXXX, Experian and XXXX. Its Very Simple. When I make payments especially large payments, It does not reflect on Credit Utilization percentage. Say for example, I make a XXXX XXXX  payment ( I made XXXX XXXX XXXX payments in the last 2 years ) That Payment does not reflect on my Percentage Utilization. Or If I get a substantial increase in a credit limit with out charging on it, Lastly, On 2 or 3 separate occasions. I opened new Charge cards and with small charges on them also did not reflect on Credit Utilization. 

This Matter is hurting my credit score by al least 30-50 points. Causing me to pay much higher rates and denying me other credit cards. Lastly, Its Hurting me on Potential employment and future Mortgage loans Also One issue related to Credit reporting, is that I have had very negative report for more than 5 yrs. ( XXXX XXXX never sent a Statement to the right address for 4 long years ) even when I gave them my POB which has been my Mail address for 44 yrs. Under Banking law, I am Not obligated to continue payment if I don't get a statement.
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

On XX/XX/2021, my insurance agent contacted me explaining that Caliber Home Loans did not pay my insurance company and that my coverage would be canceled. This same agent also contacted Caliber requesting that payment be sent over night. Caliber confirmed that they would send payment and the total was deducted from my account, Im the amount of {$1900.00}. 

On XX/XX/XXXX, the agent contacted me again explaining that the insurance company never received payment. She asked that they send another check overnight ( canceling the first ). However, because they did not send the first check, she encouraged me to pay to ensure that I did not lose coverage. I would need to pay the insurance amount out of pocket plus an additional 3 % to process the payment. 

I attempted to contact Caliber Home Loans using their customer service phone number to understand why payment had not been made. 

It took two hours of waiting, being disconnected after waiting, and being transferred. The custom service agent could not provide a tracking number for the check. 

I asked to speak with a manger to escalate this issue since it had been unresolved for weeks. She spoke to the manager and said she would transfer me. I was only transferred to the managers voicemail. Her name was XXXX XXXX. I left all of my contact information, and while the she was expecting my call, she did not call me back. 

When I checked my account online, I surprised to see that the money had been taken out of my escrow account to pay the insurance. 

At this point, my only option to maintain coverage was make a payments ( XX/XX/XXXX ), and an additional 3 % processing service fee.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (MI)

The credit bureaus failed to respond to my request to validate the negative information that they are illegally reporting to my credit report. I disputed the accounts and asked for them to be removed as they are in direct violation of 15 USC 1681s2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information. these violations are a directly affecting my ability to gain housing and employment. I am demanding that the following accounts. The following dates showing XX/XX/2017 by XXXX XXXX during this period I was incarcerated and disputed this as identity theft. 
XXXX XXXX is howling incorrect information. And the State of Michigan Child Support has never proven the DNA of the children and should not be reporting to my credit.
Consumer complaint received 2022-09-23
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-28
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. (MI)

I need help.! I Have reached out to both parties and still no resolution. This company EXPERIAN is in clear violation of the law under 15 USC 1681b. For XXXX  XXXX account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX account # XXXX. They have not done a full complete investigation regarding the above accounts like Ive ask! Failure to provide a proper investigation has caused myself and my family such stress and grief. Ive also filed a complaint with XXXX  as well
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (TX)

CFPB Write up 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