davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Improper use of my credit report. 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 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-28
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. (TX)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-09-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute : of Account Information - XXXX XXXX Dear TransUnion, I am writing to formally dispute the information related to my credit report, specifically concerning the account reference letter stating that XXXX XXXX loan is still paid in full. 

Please find enclosed copies of documents that support my claim, including all relevant documents, such as my loan payoff statements, I kindly request that you investigate this matter asap and update my credit report to reflect that this loan has been paid off. 

As I am currently in the process of applying for a mortgage loan, with XXXX XXXXIt is essential that my credit report accurately reflects my financial status. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, CFPB TRANSUNION IS IGNORING MY REQUEST ALL DOCUMENTS WILL BE UPLOADED
Consumer complaint received 2020-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (TX)

XX/XX/2019 it showed up on my credit report, debt of XXXX. I contacted not only the credit collecting company but the originator of the debt and neither one of them had any information of me owning any money. So i said fix it, and they said they cant fix something they cant find, yet there it sits on my credit report. I disputed it and XXXX XXXX reported it as valid ... XXXX  .... Very frustrating. I would pay it .... Does anyone hear that ... They say there is nothing to pay.
Consumer complaint received 2020-01-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

In XX/XX/2019 we received an alert from a credit reporting app called XXXX XXXX that our mortgage company, Fifth Third Bank had deported our mortgage as being late. We have had our month for 29 months and have never missed a payment. We immediately stopped in a branch to speak with a representative. After sitting down for 30 minutes with a representative who had to call the corporate office we were told we would hear back from someone. 
In late XX/XX/2019 we received a letter from Fifth Thrid dated XX/XX/2019 stating they apologize for the error of a late or missing payment and claimed they would fix the error on our credit reports. My score dropped over 80pts as a result of the error and my husband 's score dropped over 50pts. We have still yet to see the error fixed on our reports and we have been waiting now over 60 days. We have been eager to refinance our mortgage but are unable to because of how low our scores are.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/2019 I refinanced with XXXX XXXX. As part of that refinance the Bank had the Title Company cut a check to Capital One to payoff my Walmart Credit Card in the amount of {$710.00}. On XX/XX/2019 that check was taken into the XXXX Kansas Walmart to payoff the Credit Card ( Receipt attached. ) On XX/XX/2019 that check cleared the Title Company 's Escrow Account, copy also attached. As of XX/XX/2019, the balance remained on my credit card and so I called the customer service line with the title company also on the line to provide the details of the cleared check. We were told to fax in a dispute request to XXXX with the info, so that was also faxed in XX/XX/2019 ( attached. ) This payment has yet to be applied to my account and I received a letter from Capital One that this was Walmarts responsibility and that they could do nothing. Walmart has been in possession of my {$710.00} since XX/XX/2019 and have yet to provide a resolution or apply the payment to my account. With the check cleared it is too late to place a stop pay, so Walmart is in possession of funds now that have grossly been mishandled and do not seem to know where they are which seems down right fraudulent considering all the evidence attached to this complaint that they are in possession of said funds.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (VA)

I pulled my credit report today to find out that XXXX XXXX had pulled a hard inquiry on me in XXXX XXXX 2016. I have never applied for a discover card. I just spoke to them on the phone with their risk dept. I gave them the date of the inquiry and my personal information. They tell me that they have no record of e or an application from me. I am a small business owner. these hard inquiries have a lasting negative effect on my credit score. I want this inquiry removed.
Consumer complaint received 2017-11-07
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (FL)

I applied for a Citi Best Buy card and was denied credit. I have an XXXX credit score with no derogatory information ever. The reason provided was " Too many inquiries. '' I pulled my credit from XXXX where Citi also said they get their credit and there are only 3 inquiries for the year. 

Upon complaining about this to Citi on XX/XX/XXXX/17, I was called back by a supervisor telling me that underwriting had reviewed my application and confirmed it should be denied for " Too many inquiries. '' I read the 3 inquiries on my application but the supervisor refused to tell me if those were the 3 she saw. She did however admit there were only 3 for the year.
I then asked what the policy is for too many inquires as I find it hard to believe that having 3 credit inquiries for the entire year is a valid reason for denying credit. The supervisor refused to tell me the policy and said it is different for everyone.
I believe that Citi is deliberately denying me credit because I have an A+ score and I pay my promotional accounts on time so they are unable to profit from me. 

The Citibank credit application reference number is : XXXX
Consumer complaint received 2024-10-18
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)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (CA)

Date : XX/XX/year> Subject : Dispute of Unauthorized Credit Inquiry Violation of FCRA 1681b, 1681n, and 1681o I am writing to formally dispute an unauthorized credit inquiry that was made XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I did not provide any authorization or consent for THEM to access my credit report, and therefore, your actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which governs permissible purposes for accessing consumer reports.

In addition, under 15 U.S. Code 1681n and 1681o, you are liable for willfully or negligently violating the FCRA by obtaining my credit report without my authorization. As such, I demand that you : XXXX. Immediately remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 
XXXX. Refrain from accessing my credit report in the future without my explicit written consent. 
XXXX. Provide an explanation of how this unauthorized inquiry occurred and the actions you are taking to ensure this does not happen again. 

Please consider this letter a formal dispute under the FCRA, and I expect your prompt response within XXXX  days, as required by law. Failure to resolve this matter could result in further action.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (PA)

During XX/XX/XXXX, I saw a parked car for sale and contacted the owner. The owner identified himself as XXXX but preferred to be called XXXX. He brought the car XXXX XXXX XXXX XXXX over so I could test drive. Agreed to purchase the car and applied for an auto loan with Navy Federal Credit Union. The loan, acct. # XXXX, was approved and check provided to seller while the car was having last minute small repairs done. The seller reported that his bank had the check on hold an waiting to be released. After 3 days contacted Navy Federal who reported the check was cashed. XXXX stopped answering my calls. Reported all to Navy Federal who requested I contact the police. Made a report on XX/XX/XXXX to the XXXX XXXX XXXX Police Department, case # XXXX. I never received the car and I owe the credit union for the amount of the loan.
Consumer complaint received 2024-11-07
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

CEIVED 10 LETTERS FOR VARIOUS CREDIT CARDS FROM SYNCHRONY BANK STATING THAT MY ACCOUNTS ARE CLOSED BEING THAT I AM AT RISK TO FAILURE TO MAKE MY PAYMENTS WHEN I HAVE ALL OF MY PAYMENTS ON TIME AND OR PAID PRIOR TO THE DUE DATE AND AT TIMES HAVE PAID MORE THAN WHAT WAS REQUIRED
Consumer complaint received 2024-09-25
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. (TX)

This is regarding CFPB complaint XXXX XXXX XXXX XXXX stated that they have terminated collection efforts on the XXXX debt and have requested the credit bureaus delete the tradeline. Unfortunately, I am still seeing this reported on my Experian and XXXX reports. XXXX also failed to enter a notice of dispute after 30 days. My dispute was sent on XXXX, and the company responded on XX/XX/XXXX. It has been over 60 days and this tradeline is still reporting. XXXX has since removed this account. I am requesting that account XXXX is removed within 7 days ( XX/XX/XXXX ). I have attached a copy of the initial CFPB complaint for your reference.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (PA)

I have TD Beyond Checking account which has been opened for several years. In addition to the Checking account I also have two savings account. My checking and one of my savings is in my name alone and my other savings is joint with my husband. XXXX the total dollars on deposit is over {$200000.00}. 

On XX/XX/XXXX, we went to our local TD Bank Branch located at XXXX XXXX XXXX, XXXX XXXX PA to open a safe deposit box. We were told that based on the relationship and checking package that I have with the bank, I would be entitled to XXXX box, first year free and then 50 % off each subsequent year. They did not have a XXXX box available, and therefore had to settle for a XXXX '' XXXX ''. We were told that we would still get 50 % off the subsequent years because the box size was not available. Since that time we have been charged {$90.00} for the box without any discounts applied. About a month ago we visited the branch to access the box and inquiry on the discounts. We were told by the teller who was assisting the only Customer Service Rep that was on duty that day ( happened to be a manager ), that he was going to credit are my account for the discounts that I did not receive. The credit never was applied to my account. I then called their customer service number because it is always hard to speak to someone over the phone at the branch and explained everything to customer serivce. They reiterated that I am entitled to a 50 % discount on my safe deposit box and for me to go back to the branch as they could not handle the refund. I told them that I had already visited the branch and nothing was done and asked them to have the Branch Manager call my husband to discuss. No phone call was ever made to my husband. Today, XX/XX/XXXX I called the local branch and spoke to a woman and explained the situation. She was very snarky and told me that I would have to speak to XXXX, the manager, however he was on vacation until Wednesday XX/XX/XXXX. I told her that XXXX was supposed to call me and again in a snarky demeanor, she he was on vacation. I asked why she could not handle my request to which she replied that I would have to wait to discuss with XXXX the manager, again in a snarky manner. Unfortunately, I did not get her name.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Improper use of my credit report. 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 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-25
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)

XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, XXXX : XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX. 
To Whom it May Concern : I recently reviewed my credit report and discovered the following erroneous item ( s ) : PROSPER account number : **** This account is marked as 150 days late. I've never been late on this account.

I request that you VERIFY this information and give me with copies of any paperwork related to your investigation. In the absence of such verification, I formally request that this information be immediately removed from the credit file you keep for my Social Security Number. 
Finally, please erase any non-account holding queries older than 30 days and apply a promotional suppression to my credit file. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2023 I was told by Capital Bank that my account was on hold for XXXX due to purchase of airline tickets. I have spoke to the merchant and the purchase has been approved however the bank has kept my money hostage and refuses to return it. I was told that the funds would be in my account no later than XX/XX/XXXX at XXXX. The time has now passed with no access to my own money, leaving me now over a week without access to funds.
Consumer complaint received 2023-06-23
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. (MN)

This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the XXXX XXXX. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.