davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc. (CA)

After receiving multiple invitations for a personal loan with this company I finally decided to see the terms on XX/XX/2021. The application process collected TONS of personal information, even my bank account details. This made me uncomfortable but I was under the impression this was the only way to see my odds of approval. In the end my application was denied and after chatting with representatives, was assured I would be removed from marketing communications. I also had to wait 36 days ( XX/XX/2021 ) for confirmation that any personally identifiable information not be sold to third party companies as is my right according to the California Privacy Law ( CCPA ), which I never received. 

Today is XX/XX/2021 and I am still receiving harassing mail for pre approved offers from Payoff by happy Money. This exacerbates my concerns about my personal data being sold, even after being denied a product from this company. I feel taken advantage of and lied to. Payoff by happy money provided a predatory experience and I dont recommend anyone to do business with them.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score.  I then called the three Credit bureaus, XXXX, XXXX, and Experian to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX  XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX I opened a secured credit card with Capital One US. The account closed on XX/XX/XXXX. I did everything in my power to pay down the balance, which was extremely difficult for me because of the leave I had to take from work because of my health. Now that I have a XXXX balance with the creditor, they have refused to removed my account, despite numerous letter from 3 different credit consolidation companies. Please help! I have done everything they have asked.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (FL)

Your company Experian is furnishing inaccurate and incorrect information to the consumer report. The report of such inaccurate information has cause severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 
15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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.

15 usc 1681a ( 2 ) definition rules of construction 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not consist of TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report.
Consumer complaint received 2024-08-30
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. (SC)

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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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. (NJ)

Dear CFPB Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report, which I obtained through XXXX on XX/XX/scrub>XXXX I believe that the data reported by the credit bureaus contains errors that negatively impact my credit standing, and I respectfully request an investigation into these inaccuracies. 

Specifically, the issue is with the account reported by " XXXXXXXX XXXX XXXX  XXXX '' on my credit report. According to the reports from XXXX, XXXX, and Equifax, the account shows late payments which are inaccurate. I have never missed any payments on this account or any other account. 

The credit report details are as follows : Account Name : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX ( Full account number is available upon request ) Credit Bureaus Reporting Late Payments : XXXX and Equifax Reported Late Payment : 30 days past due on XXXX and Equifax Please see the attached screenshots of my credit report, which demonstrate that the account was reported as closed and fully paid as of XX/XX/scrub>XXXX XXXX XXXX There are also consistent " OK '' indicators in the two-year payment history for each bureau, reflecting timely payments. Despite this, both XXXX and Equifax report a XXXX late payment in the XXXX history section, which is erroneous. 

I request that the CFPB assists in investigating and removing these inaccuracies. The incorrect reporting of late payments has the potential to harm my creditworthiness unjustly. I am attaching copies of my credit report screenshots, which highlight these inaccuracies, as well as any additional documentation requested to assist in resolving this matter. 

Account Status for XXXX XXXXXXXX XXXX XXXX  : The account is marked as closed with a balance of {$0.00} as of XX/XX/scrub>XXXX XXXX XXXX 
The " Two Year Payment History '' section for XXXX, XXXX, and Equifax all show " OK '' for each month, indicating no missed payments. 
Inaccurate Reporting of Late Payments in the " Days Late - 7 Year History '' : Despite the " OK '' history, both XXXX and Equifax report a XXXX late payment in the XXXX history section. 
This is inconsistent with the " XXXX XXXX XXXX XXXX '' section, which shows all payments as " OK '' without any missed or delayed entries. 
Inconsistencies in Creditor Remarks : XXXX notes that the account was " XXXX, was past due 30 days, '' which contradicts the reported " OK '' status in every month. 

Thank you for your attention to this matter. I am confident in your ability to help rectify this situation and ensure that my credit report accurately reflects my payment history. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX [ XXXX, Tx XXXX XXXX XXXX XXXX TransUnion TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear TransUnion, I am writing to formally dispute multiple accounts listed in my credit report that I believe violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). The accounts below have compromised my rights to privacy and confidentiality as established under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA : 15 U.S.C. 1681 Section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish information relating to a consumer to any reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

These provisions indicate that the accounts listed above may have been reported without proper verification or in violation of the time limitations set forth by the FCRA.

I request a thorough investigation into these matters and ask that you provide me with the results within 30 days, as required by law. If any inaccuracies are confirmed, please ensure that they are corrected or removed from my credit report.

Attached are copies of any supporting documentation that may assist in your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under 15USC 1681 all Information has to be reported 100 % accurate, which it is not.I have been going through this with them for the last two years and they removed it and put it back on which is a violation and its different different between XXXX credit bureau, which is a violation of my right I am sick and tired of dealing with them. I am going to legal actions against them and request {$1000.00} per violation plus punitive damages because damaging my reputation, I asked him for the validation of the dead and the purchase they have not sent me nothing so I feel like you all is intentionally reporting this because after 30 days that they are given to dispute an extra 15 days and still its been two years so I am going to proceed legal obligations against them, attorney fees, and report them to the XXXX XXXX XXXX  the state attorney, General the FTC and anybody else I can
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-07-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

We Re-Financed our VA backed Mortgage Loan on XX/XX/2022 thru Meridian Bank in the XXXX $ XXXXwith a Fixed Rate of 3.125 % down from 3.75 % to lower our monthly payment from {$2400.00} monthly to {$2300.00}. 
That payment was set-up to include Principal payment of {$1700.00} Taxes of {$400.00} {$190.00} Hazard Insurance payment of for a total monthly payment principal and interest of {$2300.00} We recv'ed a letter in XXXX indicating that US Bank was now servicing our loan and that the payment total was now {$2500.00} monthly that is an increase of {$190.00} for something called a Shortage Spread. 
This is not something that we agreed to pay when we re-financed our home .Also, we never agreed to anything with US Bank especially something that would totally wipeout the gains we made when lowering our Int. rate from 3.75 % to 3.125 %. 
We checked with XXXX XXXX where our Home is located to find out/confirm that our Taxes have not gone up period. 
When I called US Bank to get an explanation I was told some generic answer from a call center person that ..those shortage projections are normal business practices. I logged into the US Bank acct. to pay the agreed upon amt of {$2300.00} only to find that I couldn't make that payment ..The only amt. I could pay online was the {$2500.00}. 

So, I mailed my payment of {$2300.00} ( cashier 's check ) along with the Mortgage Payment Coupon that I recv'ed when we closed on this VA Back Mortgage Loan in XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the accuracy of the information in my credit report provided by XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the unauthorized telecommunications account listed below : **Account in Question : ** XXXX XXXX XXXX Account **Creditor Information : ** XXXX XXXX XXXX XXXX XXXX XXXX Operations **Address : ** XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX : XXXX XXXX I have never applied for or authorized the opening of this telecommunications account. To be clear, I have not signed any documents or submitted any applications for this account. Therefore, I am requesting documented proof of the signature associated with this account. This proof should include, but is not limited to : - A signed application form - A copy of the original contract or agreement - Any other documentation that bears my signature, including information on the phone lines associated with this account.
Consumer complaint received 2022-07-08
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: CBC Companies, Inc. (IL)

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX, XXXX ; XXXX XXXX ; XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2024-08-07
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. (NY)

I was stunned to see incorrect accounts on my credit report this morning, and I'm at a loss as to why. I checked my credit report as I normally do, but this time, unexpected discrepancies showed up. Refreshing my browser didn't help ; the inaccuracies stayed. I'm requesting a meticulous check of the documents I've sent so I can finally put this worry behind me.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

XXXX check was written from my WELLS FARGO checking account ending in XXXX to XXXX XXXX ATTORNEY AT LAW for {$700.00} Check was not received by XXXX day- I asked for stop payment at which time WF told me It was not possible because check cleared.

I asked for copy of check ( by the way why does every other bank have that available? ) and they told me it would take 30 days to receive.

WHen received- it was clearly never endorsed or properly negotiated.

I asked for the funds to be replaced- they said " Too late the case is closed and it is cleared ''. 
After many arguments- they reopened the case. That was in XX/XX/2024. 
Since that time- I have not been reimbursed and have been the subject of abuse by this bank- making this MY problem. In fact they have closed this case too many times to count. I think you may have records of all the complaints. 
AT THIS JUNCTURE -- I HAVE RESENT THAT AFFIDAVIT -- PER THEIR REQUEST and to date not received any correspondence nor have funds replaced. ( XXXX XXXX ). 

THIS BANK MUST BE INVESTIGATED -- this is not a forged document -- it is internal fraud and mismanageent of my funds. 

PLEASE HELP!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-10-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (FL)

I have a HELOC that was sold to XXXX XXXX and now with shellpoint New Rez. 
They are not properly crediting my payments to my account. I have tried to resolve the issue to no avail.
Consumer complaint received 2024-10-08
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. (GA)

I was a victim of ID theft and noticed several credit card accounts on my credit and I noticed some unauthorized accounts on my credit report. The following accounts are due to ID Theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.