davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2022-07-23
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. (MI)

I am grateful to have some accounts from my Credit File be removed! I truly appreciate the efforts done by the XXXX and TransUnion Credit Bureaus to deleted a portion of the fraudulent accounts being reported from my Credit Report, but there are some accounts that should be deleted too. I received a copy of my updated Credit Report and noticed that some accounts are still reporting despite the multiple letters I have been sending to the Credit Bureaus. On my previous letter I sent on XX/XX/2022, I emphasized the importance of the Fair Credit Reporting Act section 605b ( c ) ( 1 ) ( C ), Authority to decline or rescind. Once again, I have been a victim of Identity Theft and I never received anything nor benefits as a result of the theft of my identity. The Credit Bureaus can not decline my requests for the removal of the fraudulent accounts on my Credit Report since I never received anything in exchange of the Identity Theft. If the Credit Bureaus insist that these accounts belong to me, I will require all documentation that has my signature on it to support the Credit Bureaus claim. If the Credit Bureaus can not provide me with copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus remove the following disputed fraudulent accounts completely from my Credit Report : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX, XXXX. XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : - XXXXXXXX XXXXXXXX Balance : - XXXX XXXX Balance : - Bankruptcy : XXXX XXXX Reference # : XXXX.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (MI)

I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2020-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (GA)

I am not sure of the specific dates, but I have reached out to this company on several occasions requesting that they remove the negative/ late payments from my account as my vehicle has been paid off since XXXX of 2020.
Consumer complaint received 2022-04-19
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. (TN)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (NY)

PLEASE REFER THIS COMPLAINT TO AN EXPERIAN SUPERVISOR. 

Experian has blocked and frozen my entire credit report and score. That means no creditor, whether a new bank, credit card company, Mortgage Company, or an existing creditor I have accounts with can pull my Experian credit report or score, whether it's a hard credit pull or a soft credit pull. 

I have written Experian multiple times to release my credit report with no response. When a new or existing creditor or bank tries to pull my credit report and score they get a message that states : " Experian has made a business decision not to do business with this applicant. This is an Experian decision '' This is preventing me from applying for credit and managing my business appropriately. I am asking Experian to unfreeze my credit report and score to allow my creditors to access my credit report. 

I am currently unable to unfreeze my Experian credit report online, by phone or by mail as my letters go unanswered. 

I AM REQUESTING EXPERIAN TO RUN MY SS # TO CONFIRM THE STATEMENT ABOVE THAT CREDITORS SEE WHEN THEY ATTEMPT TO PULL MY CREDIT REPORT OR SCORE OR WHEN THEY RUN MY SS # TO VERIFY MY IDENTITY. 

This is causing undue hardship on me personally, my businesses, and my family.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (GA)

I have a brand new credit card with Aspire due to fraudulent charges. I have never used the new credit card or even taken the card out of my home.on XX/XX/2020 Aspire company shows a charge of {$510.00} and a credit in the same amount of {$510.00} however as of XX/XX/2020 the credit of {$510.00} was never processed on my account resulting in a incorrect balance with Aspire. I have contact this company twice regarding this issue and Aspire refuses to correct this issue.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, Paypal emailed me advising that I can no longer make any transactions and that my account has been banned permanently without further explanation about the grounds for banning my account permanently. 

I have no disputes or any violation that I know about as they did not send any notice of such.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Closed account for CapitalOne Visa and made payment the same day ( XX/XX/2021 ). Payment has been taken out of my checking account via EFT and also shows up under payments on CapitalOne 's credit card account detail page but they will not credit the payment to my account. They advised there is a system glitch and they can't apply the payment to my account. They are working to try to fix the problem but my account still shows as past due and I will be reported to a credit bureau as delinquent after 30 days past due. We are already at 10 days and they can't fix it and don't know when they will be able to. The problem they say is with customers who cancel their accounts the payments aren't applying to their accounts.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NE)

I attempted to pay the balance in full on XX/XX/XXXX via the mobile app. I had to link an external bank account to make the payment, t=but that account did not appear in the dropdown as an option for making the payment. I attempted to link the account again but was given a message that it was already added and was ready to make payments. I took a screenshot of that, and of the page where that account was not an option even after being added. On XX/XX/19 I called customer service to resolve the situation and ask that the interest charges be removed, as I attempted to pay the balance in full by the due date but was unable to due solely to the bank 's IT issues. The representative refused to waive the interest charges and I asked that the account be closed.
Consumer complaint received 2021-08-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Titan Revenue Solutions (CA)

I had stopped payment on a check for a service that did not happen. ( No show ) since the banks wouldnt cash it the person cashed it at a store because I guess they dont check. I saw a mark on my credit, which is usually perfect. I called to find out what it was. The debt collection agency told me it was a check I wrote to someone else. They could only collect from me since the guy who cashed the check is a fraud. I was upset obviously but not talking foul. The debt collector said if I didnt speak to him in a nice tone he could do worst and keep this on my report even though he first said he would remove it. I honestly can not believe companies can hurt you this way based on their personal feelings. This isnt even my debt but I was forced to pay it or impact my credit and because I didnt say please and thank you he may do worse now as he suggested. I was forced to pay a debt Thay was not mine.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple written requests for correction, dated XX/XX/year> and XX/XX/year>, Equifax has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries. 
TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Equifax continues to report inaccuracies. 
Equifax Reporting History : Late Payments Recorded : XXXX late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Equifax - 30 days XXXX XXXX occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (TX)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that you remove the fraudulent information I found on my Credit File. My credit report contains a significant number of unauthorized inquiries, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following unauthorized inquiries off my Credit File : XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX XX/XX/2021. If you believe that the disputed inquiries belong under my name, please send me copies of proof of verification, ownership, or the results of your investigation. If you are unable to send me any of these documents, please remove the disputed items off my Credit File as soon as possible.