davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MD)

I opened a US Bank XXXX XXXX checking account XXXX on XX/XX/2024. I deposited more than {$25000.00} within 30 days of account opening and had maintained the fund. However, some time in XXXX, US bank closed my account without my consent. Since then I have not received my funds ( {$25000.00} ) that were remaining in the account when it was closed. When the company sent to me a letter in XXXX notifying me that the account was closed, they wrote in the letter that they would return the funds to me within 15 day. They did not return the funds. When I called US bank late XXXX, the rep told me that the cashier check was sent to me on XX/XX/2024 to return the funds to me. I have never received such a check. Thus I submitted a CFPB complaint XXXX. I their response, they wrote that At the time of closure, your account ending in XXXX had a remaining balance of {$25000.00}, which we were unable to verify and as such, the funds were withheld. We are in the process of returning these funds to the originating financial institution. This is a bank-to-bank process, which often can take months to complete. The funds will not be returned to you. However, I have a bank statement of my linked external bank ( XXXXXXXX XXXX XXXX that I used to transfer the funds of ~ {$25000.00} into my US Bank account ending in XXXX mentioned above. As in the attached bank statement, the transaction to transfer {$25000.00} from my XXXX bank account to the US bank account was done on XX/XX/2024. That linked external account is my account under my own name and my home address, which are the same as that were used for the US bank account XXXX. I dont understand why US bank claims that they were unable to verify the funds {$25000.00} that were in my account XXXX. Here, I attached the bank statement as well as photocopies of my photo ID ( driver license ) and a photo of myself holdng the driver license. I want my {$25000.00} funds back to me as soon as possible. If they can not return to me directly as a paper check, they should return to my XXXXXXXX XXXX account that I used to transfer the funds into.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-05-12
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. (DC)

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. 

XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-12
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2023-04-25
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. (WA)

EXPERIAN INFORMATION SOLUTION aka EXPERIAN is improperly using my credit report by including inequitable " transactions and experiences '' aka personally identifiable financial information as defined by 16 CFR 313.3 ( n ) ( 1 ) ( i ) and 16 CFR 313.3 ( o ) ( 1 ) & ( 2 ) in my consumer report which should be EXCLUDED according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) that it received from its data furnishers fraudulently, as none of them had or have my consent to share my information with EXPERIAN.
Consumer complaint received 2022-07-13
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. (PA)

There is an installment account that is reporting an incorrect account status, incomplete payment information and an incorrect balance. I have asked the credit bureau to provide verification to show proof by providing me with the original contract signed and dated by myself with an ink signature along with my statement history and I still have not received it. Yet in still this account has remained on my credit report damaging my credit worthiness to other creditors. I submitted several disputes about this account with Experian on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also filed a complaint on the CFPB website on XX/XX/XXXX and I have not received a resolution. If you look at the payment history for this account on my report it reads it was placed in collection on XXXX of XXXX. If that is true how is it on XXXX of XXXX it begins to read as an open account and is 120 days past due up until today. In XXXX my report stated the balance was {$19000.00}, now the balance has been lowered to {$13000.00}. This clearly indicates there was a discrepancy in what was reporting however, Experian never sent anything to say why the balance was changed, show proof the balance that is reporting is in fact correct or explain how an account changed from closed to 120 days open after 3 years and 8 months. I have pictures to upload the dates and responses from the disputes along with what is showing on my report. I am requesting this account to be removed completely from report as it has done tremendous damage to my credit for 6 years now.
Consumer complaint received 2022-11-29
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 — Their investigation did not fix an error on your report
Company: Caliber Home Loans, Inc. (NV)

I received results for dispute # XXXX on XX/XX/XXXX. In that dispute I provided XXXX with clear evidence from the Creditor, Caliber Home Loans, that my XX/XX/XXXX mortgage payment was NOT 30 days late as it was being reported. The payment was made on XX/XX/XXXX which is reflected on the statement they were given. This is clearly not late by 30 days. Despite this evidence, XXXX closed the dispute without fixing their mistake. Caliber Home Loans is aware of this issue but blames XXXX. They state they are NOT reporting my account late for the month in question. This is costing me the ability to get a mortgage and neither company should be allowed to be so negligent with their reporting. Ive now had to submit a new dispute today and wait to see if they will actually correct their mistake in 30 days or if I will not be able to buy a home until XXXX because of their carelessness.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was overseas for 5 years doing XXXX XXXX ; during almost all those years ( XXXX to XXXX ) I was able to pay all my credit cards on line on time and more than minimum due amount. Until during the pandemic as well as the USA Sanction on XXXX, around end of XXXX, I couldn't access my Capital One credit card at all, unlike all other credit cards that I had! 
As difficult as it was to contact USA via phone or email, I tried several time ( many many many times for months ) contacting Capital one asking to give me a code to access my account & they wouldn't do that. All other credit cards did and I had no problem paying them. Capital One kept emailing me telling me I was past due... I would contact them and ask them to at least email an image of my statement, the same way they're notifying me of past due & still they wouldn't! They claimed they couldn't email to XXXX!! 
I kept paying all other credit cards on time and more than enough up until XXXX XXXX when I came back to USA & found out my credit report was destroyed due to this act of Capital One. BTW, I even made an special payment of {$170.00} to them in XXXX of XXXX in order for them not to send it to collection agency until I get back to USA, since they were threatening me. I even tried finding an office of theirs to go to and talk to a manager or someone in charge, but was sent to ATM locations of theirs in two different areas in XXXX  instead!! I even called a credit people who help clear your bad credit and they told me the damage was already done. I wanted to actually sue the Capital One for ruining my very good credit of many years in XXXX ( over 40 years ). But I had and still have more priorities than this ; I've been looking to rent a place for me and the couple of animals I rescued from XXXX & each time this now Bad Credit has become a barrier for us finding a place to live. I wish I knew about your organization 6 months ago when I came back to XXXX
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. (SC)

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 125 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/2023 I started to receive emails claiming that I've joined XXXX XXXX  I did not ) and that I " added a debit card to my XXXX  account '' ( I did not ). Upon contacting the XXXX, no useful response was provided. Shortly thereafter, I started to receive emails that payments are being made from the XXXX account ( which, again, I never agreed to open nor did I authorize ANYTHING to do with XXXX  ). At this point it seems that XXXX and/or PayPay ( who owns XXXX XXXX have fradulently opened an account using my information and are allowing fraudulent transactions to proceed without any way for me to stop them ( without providing them with even more information ).
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

After reviewing my credit report I have discovered erroneous information that are not associated with me. I did not authorize the reporting of this information on my credit profile, and it is significantly impacting my life. I kindly seek your assistance in resolving this matter promptly.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Admin Recovery, LLC (VT)

I had credit card debt with XXXX XXXX In XX/XX/2022 a settlement agreement was reached. The lump sum settlement was paid in full, on the spot ( at the time of settlement ). 

A company named Admin Recovery aggressively contacted ( over multiple phone calls ) in XX/XX/2022 trying to collect the debt not owed ( already settled and paid with the original creditor ). Apparently XXXX XXXX  made an error and charged off the debt to Admin Recovery ( even after the settlement agreement was made and paid ). XXXX XXXX ( recovery department ) has acknowledged that the payment was somehow not applied correctly. They assured me that they would correct the situation and " withdraw the debt from Admin Recovery ''. I called Admin Recovery and informed them of this situation and of what XXXX XXXX  said. Things were quiet for months. 

Admin recovery started repeatedly calling me again. I called XXXX XXXX  again in early XXXX and after a long wait, and multiple phone transfers, they confirmed that the account is settled in full ( since XX/XX/2022 ). They said they would send a fax to me to confirm that in writing, and also contact Admin Recovery stating that the account is settled in full. I never received the fax. 

Admin recovery is now again harassing with repeated phone calls and just today ( XX/XX/2022 ) left a long voicemail referencing my name ( and another name ) and debt owed. The voicemail greeting is generic and there would have been no confirmation that the phone number or voicemail belonged to me. This is highly inappropriate. Furthermore, continuing to attempt to collect debt not owed constitutes harassment.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since XXXX The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop
Consumer complaint received 2023-05-12
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. (GA)

In accordance with the Fair Credit Report Act XXXX Account : XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy. 
15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is fraudulent account and i never open an account with this company.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (TX)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-06
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.