davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( XXXX, XXXX, and XXXX ) : Kohls XXXX XXXX XXXX XXXXXXXX **Discrepancy** : The status, Status update, Balance Updated, and address of Kohls are all different across all 3 credit bureaus This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected. 
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue. 
I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX [ Your Signature ( if sending a physical letter ) ] ---
Consumer complaint received 2024-10-06
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 am a victim of identity theft stemming from XXXX Data Breach XXXX XXXX and XXXX XXXX  Data Breaches attached is a copy of my identity theft report with all listed fraudulent accounts. 

Experian Fraudulent accounts XXXX XXXX XXXX {$1200.00} Account Number : XXXX XXXX {$1100.00} Account Number : XXXX XXXX Bank {$630.00} Account Number : XXXX XXXX Bank {$1200.00} Account Number : XXXX
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX makes it virtually impossible to cancel membership. They require you to call this number : XXXX - then they tell you to hold for 2 hours! How is this legal? You can sign up online - but you cant cancel your membership online.
Consumer complaint received 2024-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (OH)

I made my XXXX payment in the amount of {$1500.00}. I made my XXXX payment in the amount of {$1500.00}. I made my XXXX payment in the amount of {$1600.00} because my statement was showing I had additional cost because of a shortage. I attached a copy of my statement to show this amount. So I paid the {$1600.00}. Then, I paid my XXXX payment on XX/XX/year>. I have also included a copy of my payment summary from Flagstar 's website. But my account summary is saying I am late. On my statement is says in regard to the suspense account " ... the funds are being held because it is not sufficient to apply a full monthly payment. Upon receipt of the necessary difference the funds will be credited to the mortgage. '' It was a full payment that was sent, and I have called numerous times to get an explanation. I have enclosed the most up to date statement that was on Flagstar 's website to show that my payment is still in suspense. 

I called on XX/XX/year> at XXXX a.m. and spoke with XXXX. She told me the payment was being held in suspense until my bankruptcy trustee updates the mortgage account. I called my bankruptcy attorney and indicated this information and she told me that is not true. The trustee does not update mortgage accounts. Then, on XX/XX/year> at XXXX a.m. I spoke with XXXX, I was told my money was in the suspense account because of my bankruptcy which I told them it is not true because I spoke with my bankruptcy attorney about it and my attorney indicated that is not how it works. Also, that does not reflect on my statement in regard to the suspense account. Then, I was told in a few days the money should be out of the suspense account and I said I will call back that Friday or Monday and make sure it is out of the suspense account. Then, I called again on XX/XX/year> at XXXXXXXX XXXXXXXX and spoke with XXXX, then I was told that it was in the bankruptcy department and they will relinquish the funds but it is not showing as past due. But, my account summary page on their web page shows I am past due. I have made all my payments to date and the other payments I made did not go into the suspense account except the {$1600.00} payment. I have received every excuse of why it is in the suspense account. This was not a partial payment, this was a full payment according to my statement that is attached. That money needs to be applied to my mortgage.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604 a section two, it also states a consumer reporting agency can not furnish an account. without my written instructions under 15 USCs 166 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (KS)

My mortgage acct number : XXXX, escrow account was determined to have a shortage of {$2000.00}, I was not provided with my XX/XX/XXXX escrow analysis report as previously provided to to me in XXXX of XXXX, which resulted in my mortgage payment being reduced to the amount of {$1200.00} per month My current mortgage payment is {$1300.00} without being provided this years escrow analysis report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address significant discrepancies in the credit report sent to credit agencies by XXXX XXXX, which is impacting my credit history and limiting financing options. Her manual report inaccurately portrays my payment history, leading to ongoing, incorrect delinquency reports in recent months. These errors undermine my credit score and fail to reflect the true chronology of my payments. 

To date, I have made 15 payments over 16 months, with the account reported as current. However, I have received no written notification of any change in reporting procedures, yet XXXX XXXX continues to log past payments as XXXX delinquencies. Although it is now XX/XX/XXXX, she is treating payments from XX/XX/XXXX and XX/XX/XXXX as recent delinquencies. If payments were made within the XXXX grace period, such as my XXXX payment processed on XX/XX/XXXX, they should not negatively impact my current credit history. 

Additionally, the handwritten report raises concerns about its accuracy and objectivity. Given these inaccuracies, this reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates precise and truthful reporting. I ask that all payments be accurately allocated to their original dates to ensure my credit history reflects reality and to avoid further impact on my score.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CDI Affiliated Services, Inc. (UT)

XXXX XXXX XXXX is reporting on my credit and I have never received anything from them. The debt is paid and should have never went on my credit report. They never even notified me and I had no idea what this was for until it showed on my report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

After reviewing my credit report from XXXX Equifax and XXXX credit bureau I notice three credit card companies on my report that I did not authorize nor do I have knowledge of inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure the possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be verify the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX accounts immediately
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-12
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. (TX)

I checked my personal credit which I acquired from Equifax on XXXX and I noticed several unauthorized inquiries had been made. On XXXX at XXXX I request for the following inquiries be removed : XXXX ( XX/XX/XXXX ) XXXX Bank ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX of XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I was informed by the agent that the dispute would start and I should have results within 30 days. Today is XX/XX/XXXX only 9 days from when this dispute was started. I called into Equifax and spoke with an agent on XXXX @ XXXX he proceeds to tell me that they had proof of those inquiries listed but no information was sent to me. I would like to have a description of their investigation if the referenced above inquiries are valid. They have n't sent me no documentation stating that I made the following inquires. If no valid information can be sent to me showing that I made those following inquires I would like them deleted off my credit report.
Consumer complaint received 2018-01-12
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. (IL)

I had fraud on my account. XXXX XXXX did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( Transunion and XXXX ) and my score has dropped drastically .This needs to be fix asap
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2018-01-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Equitable Acceptance Corp (NJ)

I received mail from EQUITABLE ACCEPTANCE, stating they would help me consolidate my loans and enter their forebearance/Repayment Plan. From what I was told, I would not be paying XXXX ( my original Federal school Loan company ). After signing documents, I allowed them to access my XXXX account my temporarily lifting the freeze. I then was being charged by XXXX and Equitable acceptance at the same time for my repayment plan. which equitable acceptance told me would NOT occur. after emailing asking about this, I never received a response by phone or email from any equiptable acceptance representatives. I took it upon myself to call XXXX and asking why I was being charged by then when I was consolidated by equitable acceptance. That 's when the XXXX representative named XXXX explained to me that I have been scammed. She proceeded to tell me that I need to call my bank and change my account number so they will not ever charge me. I did call my bank and will be changing my bank information. I also have filed a dispute with XXXX. I am afraid that once they find out about this, they will still try to use my social to access my bank information.
Consumer complaint received 2018-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Central Portfolio Control Inc. (MA)

I had a loan with XXXX XXXX that was paid off in full from a mortgage refinance back on XX/XX/2016 which i have a copy of the cashed check in the amount of {$14000.00} with the correct loan number on the check and the bank statement showing that the check cleared the bank account. XXXX XXXX had continued to withdraw funds from my account for the past 2 years. They are now stating that i am in default and that they never recevied a payoff check and the copy of the check i provided is not valid since the account information was hand written.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Student Aid (USA) Funds (OH)

USA Funds reported a balance increase on a closed account and the account has been closed for a long time. This account has continually been passed around from creditor to creditor and I am sure it is illegal for it to still be on my account. There was no reason to report a balance increase on a closed account. Wherever USA funds got this account from, it is too old to be reported on my credit. They need to remove it.
Consumer complaint received 2018-11-01
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. (FL)

In the latter part of XX/XX/2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.
Consumer complaint received 2018-11-01
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. (FL)

In the latter part of XX/XX/2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads 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 accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-10-28
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. (TX)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a Student Loan opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, and another Student Loan opened at XXXX XXXX XXXX XX/XX/XXXX XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. Remove Hard inquiries from XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.