davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (AR)

This is my 10th CFPB complaint submitted informing the Credit Reporting Agencies that I am a XXXX XXXX XXXX XXXX and I am submitting this CFPB complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 INFORMATIVE XX/XX/2022. Also, the Credit Bureaus have claimed that the disputed items are verified and that the Creditors have verified the authenticity and yet they have failed to send me copies of verification.
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

a collection appeared on my credit report from XXXX XXXX XXXX. I contacted my attorney regarding the issue. He sent them a letter requesting documentation of the debt and received no reply. I have requested information via email and have received no response. 
I reached out to TransUnion and disputed the entry which they said the investigated and found it to be valid. I asked what evidence / documentation they received and they advised that they don't do that. Basically they ask the entity that posted the debt if it's correct, they said yes, end of story. 
This has be ongoing for over two years and I can not reach a closure and it's affecting my credit. 
There doesn't seem to be any recourse for the consumer. If XXXXXXXX XXXX  can provide documentation of the debt I'll take care of it. If they can not, they need to remove the entry on my credit report.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has twice sent me requests for more information to complete a credit card application I have never filed. I have told them I did not want the card and to cancel the application. BOA refused to tell me how the application had been received. 
The have now sent a credit card that I did not request or want. 
This is only happening with Bank of America and no other businesses which makes the likelihood of identity theft much lower. The card was also mailed to my correct current address. Seem unlikely that someone trying to steal my identity would send the card to me. 
Today I am attempting to cancel the unwanted card. I have been on hold for over 20 minutes without anyone picking up, just a recorded message on a loop. 
I want BOA to cancel the card without fees or penalties as it was sent to me fraudulently,. I further want them to never process a credit card application for me again. 
I believe that BOA is committing fraud and endangering my credit card.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XXXX 2025. Beginning in XXXX of 2021 I began to contact XXXX, XXXX and Transunion via certified mail disputing this information. I was informed by all 3 companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on 4 separate occasions with all 3 bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my family
Consumer complaint received 2024-01-30
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships
with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Victim of a data breach and I reviewed my credit report and discovered inaccurate information. I dispute and it still appears on my credit report. The accounts were inaccurate and closed but still shows account active. I believe I am a victim of identity theft.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To CFPB, I have received a copy of my credit report with the intentions of trying to improve my credit and take care of responsibilities and notice a few counts that I wanted a little more explanation on. I'm not saying the reporting is right or wrong I'm just saying I am not 100 % sure if they are also reading something called The Fair credit reporting act where it says by Constitution I have the rights to challenge anything. Also I am not sure if any accounts are accurate some the reporting things on me I have never heard of which made me contact you. I have different reports from TransUnion, XXXX an XXXX XXXX XXXX that are not reporting as the same information. 2 collection that I never got debt validation. Also removal of disputes under 612 - 15 U.S.C. 1681j consumer under that section after the 30-day period beginning on the date of notification of the consumer under paragraph ( 6 ) or ( 8 ) of section 611 ( a ) [ 1681i ] with respect to the reinvestigation, which charge ( i ) ( ii ) shall not exceed the charge that the agency would impose on each designated recipient for a consumer report ; and shall be indicated to the consumer before furnishing such information.
Consumer complaint received 2022-10-05
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: WELLS FARGO & COMPANY (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, WELLS FARGO CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-01-30
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. (GA)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in our dates [ XX/XX/2022 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshoot attached :
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX Bank '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . 

XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX Bank. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me XXXX It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. 

I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. 

Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( 21!! ) need to pay from this money for my moms needs as soon as possible. 



Please, Do not hesitate to contact me if it necessary.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Collection Bureau, Inc. (PA)

XXXX XXXX XXXX XXXX with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) Billing Error- A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-05
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. (TX)

XXXX/Experian- I have been trying to dispute a line of credit under XXXX XXXX that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled XXXX. After calling XXXX XXXX I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with XXXX and with Experian. Both have come back saying information is correct and to remove the account I would need to contact XXXX XXXX  XXXX 

XXXX XXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with XXXX and XXXX credit department trying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.
Consumer complaint received 2022-10-05
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: SYNCHRONY FINANCIAL (TX)

XXXX I have been trying to dispute a line of credit under Synchrony Bank/PPMC that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled SYNCB/PPMC. After calling Synchrony Bank I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with XXXX and with XXXX. Both have come back saying information is correct and to remove the account I would need to contact Paypal/Synchrony Bank . 

Synchrony Bank/PPMCXXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with Paypal and Paypal credit department XXXXrying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.
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. (FL)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2022-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX Mortgage transferred my mortgage loan to Mr. Cooper. I had set up an auto pay with my checking account with XXXX XXXX Mortgage. When I received notice from them that my loan transferred I called to verify my payment would not be deducted and was told incorrectly that the auto pay would be disabled and no payment would be taken. I paid the payment to Mr. Cooper as the letter instructed. Apparently without my consent XXXX gave or sold my private checking account information to Mr. Cooper who AFTER I already made my payment took it upon themselves to reach into my checking account without my permission and take another payment from my checking account. While the payment was still pending with my bank I contacted Mr. Cooper who said they had gotten the info for auto pay from XXXX. I told them that I already made the payment and most importantly DID NOT give them my checking account information nor permission to automatically deduct anything from my personal checking account. XXXX from Mr. Cooper stayed on the line while she connected me with my bank. After much discussion we learned that I had to put money in to cover the payment, then stop payment. Which I did. Now Mr. Cooper has the nerve to charge me for a returned check. I never sent them that check they fraudulently dipped their hand into my personal checking account after getting my personal info from XXXX and tried to steal a second payment. I also had to pay {$20.00} to stop the fraudulent payment that they tried to collect.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-05
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)

All inquiries on my Equifax Credit report are correct except ( XXXX XXXX XXXXXX/XX/2022 ), ( XXXX XXXX XX/XX/2022 ), ( XXXX XXXX XXXX XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) ( XXXX XXXX XXXX XXXX ) these are unauthorized inquiries on my credit reports an I have mailed several disputes and see no changes!
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 I received an email from what I thought was XXXX stating that I submitted a payment that I did not authorize. I called the phone number on the email and spoke with a man identifying himself as XXXX XXXX, who I believed to be a XXXX representative. He asked me for my social security number and banking information so that he could access my XXXX account which I provided him with. Shortly after providing my information to XXXX XXXX, I received a phone call from my son who oversees my accounts to prevent this type of activity from occurring. He informed me that a XXXX payment for {$500.00} was submitted to XXXX XXXX, that I did not authorize or send. I quickly hung up with XXXX XXXX and called Chase to try to stop the activity. They froze my accounts. On XX/XX/22 Chase bank reversed the XXXX payment of {$500.00} to give me my money back. Then on XX/XX/22 chase bank reversed that payment resulting in a debit of {$500.00} after further investigation. When I spoke with them, they told me that by providing this man with my information, that authorized the XXXX transaction. 

I am XXXX XXXX XXXX with XXXX XXXX causing confusion and impacting my memory and ability to process things in the moment. My doctors believe I may be showing signs of XXXX and I am being medicated for these XXXX XXXX. I was confused, foggy minded, and truly believed I was speaking to XXXX XXXX from XXXX. I explained my cognitive challenges to Chase bank and they told me there was nothing they can do to help me. I did not authorize this payment and provided my information to this third-party while not in the right mindset. I was scammed and want my money back. By not giving me my money back, Chase bank is allowing elder abuse to occur!!
Consumer complaint received 2022-10-04
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (CA)

On XX/XX/2022, I sent a Revocation of Authority to Contact Third Parties, informing Bridge Lending Solutions that I am revoking their right to contact third parties related to me. One of their representatives, XXXX, contacted my son, XXXX, by phone call on XX/XX/2022 at XXXXXXXX XXXX PST. The phone number used to contact my workplace was XXXX ( XXXX ) XXXX. I understand that these type of calls are meant to intimidate and harass me, and I would like for Bridge Lending Solutions to respect my privacy. The lender did not identify themselves, but I recognized the phone number in the screenshot that my son sent me.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.