davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2023-02-19
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: Bread Financial Holdings, Inc. (FL)

I'm writing to you after reading over The Cares Act provision and seeking forgiveness based on its policy. 


I noticed that my most recent credit report contains a late payment reported in XX/XX/2023 on ComenityBank/XXXX XXXX. XXXX XXXX. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I, myself and my wife both were shamefully fighting XXXX. Per a call with a rep of ComenityBankXXXX and in a great attempt to maintain my financial responsibility, I was under the impression that I qualified for a deferment plan. Nothing mattered more to me than keeping my relationship and credit worthiness intact. So I expressed great concerns about the possible cons of opting into such a program. I was assured on a recorded call that all shall be well as long as I operated within the guidelines, in which I did. Sometime later I was alerted by one of my credit monitoring services that this account was flagged as 30 days late. I immediately called in and satisfied my balance. Aside from this unforeseen and unavoidable circumstance, you will see that I have excellent payment record.This has been really challenging to my credit worthiness and stressing for quite some time now. Because I felt so betrayed by this creditor, it took me a while to use this card again. Now, I ask for your mercy under The Cares Act amendment. I understand that this is only something you can rectify. I am planning on refinancing my home and it has come to my attention that the missed payment on my credit reports is hurting my ability to qualify. In my heart, I know that the missed payment doesn't reflect my solvency. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/2023 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly it. Thank you for your consideration. Have a blessed day!
Consumer complaint received 2022-10-13
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. (CA)

On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately
Consumer complaint received 2023-02-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of Ed/XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (NC)

XXXXSpoke with Supervisor, XXXX XXXX and explained he acknowledges and explained that I was again given inaccurateinformation regarding sending in a typedletter by agent, XXXX XXXX and apologized for their mistake and negligence. Contrary to previous agents direction, he requested a letter be sent in and and specifieda hand signature. That request was done right away and sent over. Again, further delayed due to companies negligence. 

XXXXCalled to inquire about receipt of info. Spoke with agent and was told that the previous agent neglected to indicate that newly requested attached additional info should have been submitted. She apologized for the negligenceand I sent it over. Again, further delayed due to companies negligence. 

XXXX XXXX Followedup with XXXX XXXX to confirm receipt of requested letter. Again, No receipt, confirmation or acknowledgement. 

XXXXI spokewith XXXX XXXX and she requested a dispute letter and indicated that it could be typed. The dispute was typed and sent directly to her as advised. No receipt, confirmation or acknowledgement. 

XXXXTo Whom It may Concern : We were told by your agent that we would not be penalized due to the implications of the natural disaster, Ian, in XXXX XXXX Our account is noted that I was impacted by the storm during travel and was unable to work due to family placement. We are currently back on track and saddened that we were given misinformation which has further impacted me and my family. I am requesting that the payment be removed as late from my credit as I was misinformed by your agent. Please assist us with this matter. Kindly, XXXX XXXX XXXX
Consumer complaint received 2023-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

Saw television program on XXXX XXXX XXXX offering a XXXXXXXX XXXX XXXXXXXX ( premium brand name ) purse on XXXX/XXXX/2022 and we then went online and purchased a purse for XXXX which we must have pulled a phony webpage that looked exactly like the real page. they sent a very cheap ( plastic purse ) value about two dollars without even the XXXX XXXX XXXXXXXX label. When we called the shopping network to complain they stated they had received numerous calls and were reporting to the local attorney general. I contacted capitalone one to dispute. Apparently they did not send any letters that i needed more information and re-posted the charge. I sent them a photo of the phone item and on package there was a phony address that read something to the effect of address mailed from is not address of merchant. Unfortunately could not contact merchant, capital one was of limited help ( apparently reps in foreign country with little understanding ) .They wanted me to spend more time and effort rather than reversing a charge.Also why would i ask them to cancel that card and request another if i did not feel i had been scammed and someone had my number.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citi Reference Number : XXXX I have been a CITIBANK credit card customer since 2021, I decided to open an ONLINE checking account for my new employer. Everything was perfect and right after my first deposit ( {$190.00} ) which the bank requires upon account opening, CITIBANK BLOCKED MY ACCOUNT AND THEN CITIBANK CLOSED THE BLOCKED ACCOUNT AFTER OPENING/DEPOSITS for no reason, holding my money and preventing me to withdraw it.
Consumer complaint received 2022-12-31
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)

in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A . STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2022-07-29
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For three months ( since XX/XX/XXXX ) I have requested error corrections at the bureau level on my credit report with XXXX with no resolve. Transunion refuses to remove erroneous information that I was late - reported to my credit report and in fact I show that they have never even investigated this file. 
I received a stall letter however that everyone seems to have gotten that I know who has tried to fix their credit this year saying that they applaud me for my attempt to fix credit and they have ceased my investigations. 
There are erroneous student loan lates reported to my credit report and it has never been investigated. 

They ( transunion ) report me as closed since XXXX I don't believe based on how this reports should be there at all. Date last active is diff, date last reported.. 

Furthermore, XXXX reports payment activity on a closed account, and they just marked me as 120 days late in XXXX of XXXX! This isn't possible! it's a closed account. and experian reports nothing. it's a hot mess the laws clearly state it can not be on my report if it's not 100 % acurate.
Consumer complaint received 2023-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I have a mortgage account with PNC Bank. This is a relatively new account and we had decided to pay the property taxes on our own. The XXXX country never sent us the bill for the taxes and just sent us a notice of delinquent payment which we did pay right away. 
Now I got a letter in the XXXX mail from PNC reporting that a recent review of the tax records indicated the real estate property taxes are delinquent. They wanted us to provide proof of payment within 30 days. 
The letter also stated that this is the only notice that we will receive and that if the proof is not received by the bank in 30 days, the bank will establish an escrow account and advance payment, which will include the current amount outstanding and any penalties and interest due, to resolve the delinquency. The escrow account will remain in effect for the life of this loan. 

Now here it all goes bad. I find this letter threatening and unscrupulous in the fact that PNC has been corresponding with me and sending other emails but sends this notice in mail and puts the burden of presenting the proof squarely on me. I tried to send a copy of the proof of payment via email but it was undeliverable at the provided email address. I tried calling the phone number provided on the letter but no one responds. It only gives a pre-recorded message. I tried calling the regular PNC bank and talked to customer service in mortgage department and she gave me another email address that I should send the proof of payment to. I have sent it again to the newer email as well. 
From all this, it appears more like the bank is more interested in levying fines and fees from me rather than getting the proof of payment. Also, if the bank can find that I have not paid property taxes then why can they not trust me and collect the information about taxes one more time. The bank makes it certain to tell me that this is the only notice, what if I had not received it in mail, what if the mail had gotten lost, why does the bank not try multiple avenues like email and regular mail. 

I request that CFPB looks into such predatory practices of PNC bank and protect innocent customers like me. 

Thanks XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-29
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. (PA)

In Accordance with the fair credit reporting act XXXX XXXX XXXX {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX  {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 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 that consumer reporting can not furnish account information without my written instructions
Consumer complaint received 2022-07-29
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. (PA)

In Accordance with the fair credit reporting act XXXX XXXX XXXX {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 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 that consumer reporting can not furnish account information without my written instructions