davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausXXXX XXXX and TransUnion. Specifically, the inaccuracies include : Inaccurate account opening dates Inaccurate reporting dates Inaccurate balances Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report.

Additionally, the Privacy Act of 1974 reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (MO)

I called Equaifax to update my credit score when i had and acct remove but it hasn't updated XXXX XXXX was removed but not update on my credit score Customer service is the worst i experience
Consumer complaint received 2023-04-16
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. (MD)

I have a XXXX XXXX XXXX XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXXXXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 U.S.C. 1681. Account : XXXX XXXX XXXX  Acct # XXXX Account : acct # XXXX Account : XXXX XXXX XXXX acct # 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. section ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (PA)

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Consumer complaint received 2023-04-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group (PA)

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

XXXX Bank still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CO)

XXXX is purposefully trying to alter my credit score in a negative way because I have previously filed a complaint against them for incorrect information. My commenity bank buckle account is not a charge off the account is paid in full. I have the paperwork here to support that. Since I filed a dispute on XXXX a month or so ago they have purposefully lowered my credit rating XXXX points and then again XXXX points, even though I have taken my credit utilization below 30 % and paid all my bills on time. They currently list my available credit at 100 % and yet they keep lowering my score. This is not correct business practice. My husband and I are trying to buy a house and I believe that XXXX is purposefully targeting me and altering my credit report. My commenity bank buckle account was paid in full and closed in XXXX. The correct wording needs to be applied to my account and it is not a charge off. My XXXX XXXX is not a change off either. I have disputed both of these accounts before in the past and they have corrected the information, then in the last few days XXXX has decided to purposely alter my credit report to harm me. They are doing this on purpose and they are doing bad business and affecting my life in a negative way. I have worked very hard the last two years to improve my credit score and pay off my debts. The other two credit bureaus reflect the correct information and they have improved my score to both over XXXX currently and reflect the right information as of now. This is abuse by XXXX and I am really hurt and frustrated. Please look into their behaviors and this error. This is not fair or correct
Consumer complaint received 2023-04-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

I receive. XXXX from Affirm of a purchase done on XXXX and the amount was {$200.00} + interest = {$200.00} payment to be made in 4 payments of {$69.00} I contact affirm via their Application after being on the phone with them 72 times and 4 months later the confirm I dont own any money and the sale was never been made on XXXX But affirm report to the credit bureau a open account and late payment, and my credit dropped XXXX points and now I have a bad credit, I have contact XXXX, XXXX and XXXX but they telling me Affirm keep adding this incorrect information to my credit and is nothing they can do
Consumer complaint received 2023-04-16
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. (CO)

Experian is purposefully trying to alter my credit score in a negative way because I have previously filed a complaint against them for incorrect information. My XXXX XXXX XXXX account is not a charge off the account is paid in full. I have the paperwork here to support that. Since I filed a dispute on Experian a month or so ago they have purposefully lowered my credit rating XXXX points and then again XXXX points, even though I have taken my credit utilization below 30 % and paid all my bills on time. They currently list my available credit at 100 % and yet they keep lowering my score. This is not correct business practice. My husband and I are trying to buy a house and I believe that Experian is purposefully targeting me and altering my credit report. My XXXX XXXX XXXX  account was paid in full and closed in XXXX. The correct wording needs to be applied to my account and it is not a charge off. My XXXX XXXX is not a change off either. I have disputed both of these accounts before in the past and they have corrected the information, then in the last few days Experian has decided to purposely alter my credit report to harm me. They are doing this on purpose and they are doing bad business and affecting my life in a negative way. I have worked very hard the last two years to improve my credit score and pay off my debts. The other two credit bureaus reflect the correct information and they have improved my score to both over XXXX currently and reflect the right information as of now. This is abuse by Experian and I am really hurt and frustrated. Please look into their behaviors and this error. This is not fair or correct
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute several accounts on my XXXX credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : Account Name : XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$2600.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$1300.00} Account Name : XXXX XXXX XXXX Number : XXXX Opened : XX/XX/XXXX, XXXX : XXXX XXXX XXXX : {$590.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (LA)

XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XX/XX/2019 improper dates and balances are on my credit report
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am trying to get rid of all these hard inquires and late payment accounts and anything in collections that I bringing my credit score down. 

In the past I have applied for car loans but not as much as what appears on my credit report. There are a total of maybe XXXX hard inquires ( if not more ), on my credit report and I no longer have a car nor have I gave dealerships the authorization to send my information to numerous lenders. As far as I was concerned, it was only through " in house financing '', and it seems as if the dealerships did not comply. 

I also recently just paid off a old credit card that had an outstanding balance, and it is still showing up on my credit report as open and more than 90 days late. I received a confirmation from XXXX XXXX stating they did receive the {$120.00} I paid to them to close the account and have it up to date. 

I also had a XXXX XXXX XXXX loan open which had an outstanding balance of over {$1500.00} due to my gap insurance at the time not covering the full balance left. For XXXX years I was able to buy XXXX other cars without the dealerships noticing that open car loan. I showed proof of a total loss letter to dealerships and that is how I got passed that and was able to drive off with a car. 
However, now I am seeking to buy another car, this " open loan '' that I did pay the settlement offer too of {$320.00} ; it is still being showed as open and that I owe {$1500.00}. 

I really want all of these removed from my credit report. I find the inconsistencies absurd, I do understand that credit reports are updated every month, but it just seems as if my credit score has not made any major changes. 

Any hard inquiries from almost XXXX years ago should be removed and fall off. 

In accordance with the Fair Credit Reporting act, I feel as if my rights were violated / 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT Balance details-XXXX % -paid off Balance- {$0.00} Balance updated-XXXX XXXX XXXX  Original balance- {$120.00} Account XXXX XXXX XXXX  Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXX  Account type-Installment Status-not more than four payments past due Status updated-XXXX XXXX Past due amount -- - Original balance- XXXX XXXX  Monthly payment -- Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX Phone number-XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (FL)

I have a lot of inquiries on my credit report that were not authourized 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 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
Consumer complaint received 2023-04-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

As of XX/XX/XXXXXXXX XXXX XXXX I talked with executive team about my matter regarding falling behind with Mortgage because of family becoming ill. They ignore on helping me and can't reach the party that was supposed to help me. This problem has been going on too long now and just want to resume my mortgage at a timely matter but there customer service dept at so many level is HORRIBLE PERIOD and also in closing they have been reported to the media on how they treat there customers including us
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MO)

I have diputed this claim before. I have provided information to back my statements. I at no time recived : A explination of the claim, evidence or invoice explaining the claim amount, a right to cure. This fraudulent charge was added to my credit with no prior warning and 4 years later i still zero information besides the amount. The CFPB has looked into this, has sided with the creditor yet without giving me any explination. This is fraud plain and simple. I was charged 2 months rent after I moved out. I had no lease therfor no agreement to break which would be the only reason I would owe anything to these fruadulint scumbags.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

I checked my consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (MN)

I had 2 loans with XXXX XXXX XXXX. I believe they were using FCI Lender Services as their servicing agency so I was making interest payments to FCI. I mailed checks for my XX/XX/2023 interest payments on the XXXX ( deadline was XXXX of every month ). FCI intentionally processed my checks after the deadline. One of the checks was kept in Reserves until the XXXX of the month and not applied to my balance. All of this cost me over {$3000.00} in default interest charges. 

I tried to resolve this with both agencies but encountered very rude people. Each agency was pointing fingers at the other and was never directed to someone who could truly help me.
Consumer complaint received 2023-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, around XXXX or XXXX XXXX I received a call from someone claiming to be from the 5/3 bank fraud department saying my account was compromised. I asked to block my account. They said they would have to send a code to my cell phone to verify my identity. They send me the code and I read it back. 

Shortly after I noticed that I could not log in to my account. Had to reset my password. I also noticed 2 fraudulent money transfers on my account - 2 XXXX transfers to someone I did not know. I was NOT logged in to my account when it happened, I DID NOT authorize the transaction and I DID NOT initiate it. 

On Monday morning I went to the 5/3 bank branch to notify them about it. The XXXX transactions were still 'pending ' but they said they could not stop it. 

The bank closed my account and canceled my XXXX and XXXX cards. there were some other strange charges on my credit card ( shortly after ) as well, but since the card was canceled they did not go through. 

The bank has denied to give me the stolen money back - Case # XXXX The bank did not issue a provisional credit within 10 business day ( according to the E-Regulation ). I do not think the bank did a proper investigation. Otherwise they would see that a different IP address was used by criminals to log in to my account to steal the money and the phone number was spoofed. 

I am an elderly XXXX XXXX XXXX man on XXXX. 

The bank is violating the federal law which states : " On XX/XX/2021, the Consumer Financial Protection Bureau ( CFPB ) published eight Frequently Asked Questions about Regulation E and unauthorized electronic fund transfers ( EFTs ) and error resolution. EFTs and error resolution procedures have grown in importance as more errors are asserted by members and more complaints are being lodged by consumers against financial institutions. The FAQs clarify if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT from the consumers account, that does meet the definition of an unauthorized electronic fund transfer under Regulation E. The FAQs also point out a financial institution may not consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E. In addition, the FAQs state a financial institution may not require a consumer to file a police report as a condition of initiating an error resolution investigation ''