davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I would like to start off by stating how unprofessional Experian is as a company. Their customer service is a disgrace. 
I am making this complaint because Experian continues to report an account that is supposed to be deleted. NYS Fair Credit Act States accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
This account was charged off to XXXX XXXX XXXX and the collection was paid in full and deleted. Now the original trade line is still showing. Experian is not throughly investigating this account and does not allow me to dispute anymore. When I called Experian they agreed that it should be delete but they can't and was told to call XXXX XXXX XXXX. I called them and they stated they can't delete the original trade line. I called the original trade-in company which was XXXX XXXX  and they have no record of the account anymore. 
Then one day I noticed the account was deleted and put back on my report the next day.
Consumer complaint received 2018-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I did a refinance on my home for a debt consolidation. Within my debts that were paid ; Credit Acceptance was paid {$3100.00} with Check # XXXX dated XX/XX/2017. 
We had requested a payoff 3 times due to our closing date being pushed back. We obtained one for XXXX, then XXXX and finally the last one on XX/XX/XXXX17 for the {$3100.00} payoff. 
The intention of this payment was to payoff this loan. Since it was late and was short, the intention is that this payment should have been applied as a principal reduction, NOT payments. 

Thank you.
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. (TN)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
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. (FL)

XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Student Loans DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2800.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$280.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported date on XX/XX/XXXX ) account number XXXX balance {$4200.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$5100.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$2000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$3900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$7500.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$5000.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4900.00} DEPTEDXXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$4800.00} Credit Card XXXX XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00} Secured Loan XXXX opened on XX/XX/XXXX ( last reported on XX/XX/XXXX ) account number XXXX balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) # XXXX ( 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.
Consumer complaint received 2018-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

My dispute has to do with a XXXX, XXXX Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on XXXX website for my card. I notified XXXX and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified XXXX by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from XXXX. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed XXXX for the Master Card in the amount of {$200.00}. I attempted to go onto XXXX website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called XXXX at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XXXX XXXX, I received for the first time a statement from XXXX for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either XXXX  nor XXXX XXXX XXXX.
Consumer complaint received 2018-11-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX contacted my family member XX/XX/XXXX between XXXX and XXXX eastern standard time and disclosed my personal information as well as my balance that was owed to them, they also informed this relative as to how many months I was behind with my payment. The representative that contacted my relative was a Mrs. XXXX XXXX ID XXXX
Consumer complaint received 2024-11-06
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. (TX)

The unauthorized entries on my consumer report persist despite documented disputes. These fraudulent items resulted from identity theft and were never authorized by me. Your continued reporting of this information violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (OH)

I downloaded the XXXX XXXX XXXX. ( XXXX XXXX XXXX - Company name ). I provided all the information DL, and tied linking a savings account to the app to trade and buy stocks. They tried to take out XXXX out of mt savings, so i stopped the transfer. Since then i have not had my bank linked to the app. I notice that i transferred XXXX dollars from XXXX to XXXX in the beginning. Making no transactions, not buying or trading stocks. My money is no longer at XXXX. I try once again to link my savings account, They will not take anything i give them showing I am the owner of the savings account. I do not get statments in the mail, no on email for a savings account, checking, yes, but not savings. I was not going to give them my account information on my checking account. So instead of accepting the information and many emails about my savings account, they suspend the account. Then they close the account, and say that I authorized a transfer to my savings account for only roughly 80 $ I demanded to know where the rest of my money was, and they give me a " statement '' of my supposed transactions. Only since XXXX. I am missing roughly {$160.00} dollars. Not to mention this is very shady how they can do all of this to peoples account for a savings account that i could not use to make stock purchases or get activated, yet They transferred the money to it? Extremely bad business!! All i wanted to do was get every detail of where my money went, but first all i wanted was to just have the account able to buy and sell stocks. They have cost me a lot. I had others wanting to buy in with me.
Consumer complaint received 2024-10-06
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: CCS Financial Services, Inc. (IL)

Hello This complaint is regarding Credit Collection Services. I had two accounts that were placed in collections with them. One account was paid in full years ago while XXXX of XXXX  I called and paid the one that originally belonged to XXXX. The account was deleted from my XXXX account. I requested that it be deleted from the others as well. 

They have refused only updating the disputes with account has been paid and open. 

Please help me with this issue the bureaus are not conducting complete investigations. 
Thank you
Consumer complaint received 2018-02-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage has not sent me what I have requested for the last 3 months which is the closing documents sign in 2009 as I have requested time after time. Wells Fargo Home Mortgage keeps sending me refinance documents in which I have never requested and a bunch of papers of the same thing in the package. 

I want the closing documents in 2009. I have my documents that was giving to me with over 20 signatures lines left blank. Wells Fargo Home Mortgage has been advoiding sending only what I have requested. 

There are several issues with the documents as other documents that have yet to be authenticate signatures that are in question on Wells Fargo Home Mortgage.
Consumer complaint received 2018-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AZ)

Application # XXXX, I believe was denied because of my XXXX preference, I am married to another man. 
Also, i believe that I am being discriminated against because my application was denied due to the fact that I am permanently XXXX and receive XXXX XXXX retirements from the Federal government.
Consumer complaint received 2024-11-06
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. (CA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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 than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX  XXXX XX/XX/XXXX Charge Off/Collection : XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/18 I spoke with XXXX XXXX XXXX regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the XXXX XXXX Process. All payments were made on time during the 3 month trial period and XXXX XXXX agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling XXXX XXXX bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by XXXX XXXX. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by XXXX XXXX, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that XXXX XXXX did not foresee that this could impact a persons finances. I have tried everything that I could think of to get XXXX XXXX   to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please do not call. Email communication only. 

Capital One is refusing the filing of an online dispute on Savor Card. 

Capital One XXXX  chat refuses to assist in filing dispute on Savor Card Capital One when calling with relay operator gets hung up on because the automated system does not have a bypass that works. 

Capital One can not produce a guide for the automated system. 

Capital One does not have secure email. 

Capital One used to have secure email online. 

Capital One has the capability of sending secure emails directly. 

Why is Capital one able to discriminate against the XXXX. 

This is with all divisions. Credit, bank, auto, and credit. 

Discrimination is not tolerated and being refused a dispute is not acceptable. 

I dont understand why Capital One feels that the above is acceptable.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.