davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Credit card was open on XX/XX/XXXX with XXXX XXXX XXXX of a credit limit of {$1000.00}. A purchase was made for {$980.00}. I would like to report fraud. I did not open this card or make a purchase. On XX/XX/XXXX I got bank statement I contacted the credit card company to let them know that I didnt not open this account or made any purchases. I also contacted Trans Union to dispute this action
Consumer complaint received 2024-08-11
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)

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be block and deleted. 

XXXX XXXX Company : XXXX XXXX XXXX IN Amount {$400.00} Company : XXXX XXXX XXXX XXXX XXXX {$140.00} Company : XXXX XXXX Amount {$180.00} Company : XXXX XXXX XXXX XXXX Amount {$180.00}
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

When making payments on the Bank of America banking portal the payments are not being posted in a timely fashion. I have made several payments on the due date and prior to XXXX XXXX and the payments are not reflected until a few days later. Bank of America is charging me late fees with increased interest and having debt collectors call me at XXXX at night. The payments are showing as paid on the account but the fees and collection calls continue. BOA refuses to reverse fees and interest applied even though I have documentation showing the payment was made on time. BOA states that this can be avoided by signing up for Auto Pay. My payment was due on XX/XX/year>. Payment was made at XXXX on XX/XX/XXXX and not posted. See attached documentation.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-11
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. (NC)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX # XXXX Both of these companies have violated my rights USC 1681 section 602 A, Section 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions USC 1681s2 ( 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
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I was told by my loan company that there was {$3.00}, XXXX to {$4000.00} left to pay off the tuck. But they tacked on fees and now I went up to {$5800.00} to {$6000.00} which doesn't make any sense cuz I haven't been late I paid a lot of the vehicle off in advance. And recently I had to spend over {$3500.00} in medical expenses due to my job. And I lost a lot of my income. It's either I file bankruptcy or I surrender the vehicle so I contacted the loan company to surrender the vehicle they were extremely rude hanged up on me five times and finally refused for me to surrender the vehicle. I would like this issue resolved.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXXXXXX  Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my XXXX XXXX  XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ).

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting.

Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance.

Summary of Errors and Discrepancies Across All Bureaus : Late Payments : TransUnion : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as TransUnion, with reports of 30, 60, and 90+ day late payments during the same timeframe. 
XXXX : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only TransUnion provides a closing date ( XX/XX/XXXX ), while XXXX and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : TransUnion and XXXX show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request TransUnion to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within 30 days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-22
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: JPMORGAN CHASE & CO. (MA)

XXXX credited me back for recurring charges from XX/XX/XXXX dating back to XX/XX/XXXX on my Chase credit card. These were results from phone calls, faxes and CFPB dispute ( Complaint ID XXXX ). On XX/XX/XXXX, three credits were applied for XXXX XXXX  monthly charges. On XX/XX/XXXX three credits were applied for XXXXXXXX XXXX XXXX monthly charges and once again on XX/XX/XXXX five credits for XXXX XXXX XXXX monthly charges. In XXXX I had a 30 day late reported to my credit from Chase due to the XXXX  charges that I disputed and was later credited back. I am requesting that Chase, XXXX  and XXXX  remove this 30 day late payment. The card was paid down to {$0.00} in XXXX XXXX and there was no balance besides these unexpected charges from XX/XX/XXXX to XX/XX/XXXX. They were credited back by XXXX.
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: EQUIFAX, INC. (TX)

I am unaware of inquiries showing on my credit report and collections I have asked to show proof such as signature, social, Id I am unaware of XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> also collection from XXXX XXXX XXXX I have called them directly and no results I feel like I am being unheard and very annoyed that I have to go extra mile for something on my profile that I did not authorize I have asked credit bureaus and creditors to obtain proof of my identity with these accounts and they have did nothing but denied me of my rights
Consumer complaint received 2024-11-19
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. ()

I am a XXXX  XXXX XXXX. My complaint is for my XXXX who want to purchase a home and want to get prequalified by me pulling their credit reports with all 3 bureaus. 
I warn them about the oncoming calls after I pull their credit. I also advise them to go to the XXXX website. 

After I pull their credit reports, they are immediately bombarded with mortgage companies calls due to the bureaus selling their information. My client yesterday, texted me " how do I make it stop!!!! '' I gave her the optoutprescreen website info, though it will not stop the calls until 5 days then it is for 5 years. 

I am not an attorney, but this does not seem fair to the customers. It does not seem lawful for the bureaus to take this information and to be able to sell, share or whatever. 

In my customer 's words, " Make It Stop!!! '' she wails!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to bring to your immediate attention that I have been a victim of identity theft, which has resulted in the unauthorized opening of accounts in my name. I have not authorized these accounts, and they are the result of fraudulent activity. This situation has caused me significant distress and inconvenience. Below is a list of the fraudulent accounts that have been opened in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you take the following actions immediately : 1. Remove all fraudulent accounts listed above from my credit report.

2. Delete any associated negative information related to these fraudulent accounts.

3. Notify me in writing once these actions have been completed.

According to the Fair Credit Reporting Act ( FCRA 605B ), I expect these items to be removed from my credit report within four ( 4 ) business days of receipt of this letter. Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have XXXX  XXXX charge offs on my credit report. These accounts have been paid in settlement and were to be removed per the settlement they are not only still only report they are showing continous charge off every month and a past due balance. 

This is gross inaccuracies and the accounts must be removed per FCRA
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: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am reaching out for your help with this wrong account that is affecting my credit report. This issue has tarnished my reputation, and I need your immediate assistance. Your improper actions have damaged my reputation, and you must remove this incorrect information. I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX has this dispute listed as a charge off but is reporting as payed as agreed. 
This account was also purchased by another creditor and no XXXX was provided for this.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I want all NON MAILABLE " addresses to be removed. 
the only address that should be on my REPORT IS " XXXX XXXX XXXX XXXX '' XXXX CT XXXX. 
I WANT ALL PHONE NUMBERS REMOVED EXCEPT " ( XXXX ) XXXX '' I WANT ALL EMAILS TO BE REMOVED EXCEPT " XXXX '' ( 15USC1681 ) ( B ) inaccurate reporting I WANT ALL DISCHARGES OFF MY REPORT BECAUSE IT IS NOW A CERTIFICATE OF INDEBTNESS WHICH IS CONSIDERED TO BE INCOME.

15-USC-6805 RIGHT TO OPT OUT WHICH YOU DID NOT INFORM ME OF. 
I ALSO WANT TO OPT OUT OF EXPERIAN BUT I WANT THEM TO REPORT. 
GIVING OUT MY PERSONAL INFORMATION TO " ANY '' THIRD PARTY AFFILIATES VIOLATES MY RIGHTS UNDER THE FAMILY EDUCATIONAL RIGHTS PRIVACY ACT OF 1974.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Its outrageous to find such a blatant error on my credit report. There is an account listed that is either entirely incorrect or doesnt belong to me at all, and its unfairly dragging down my credit score.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX : I have requested that my outdated names, erroneous names such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all erroneous/outdated following telephone numbers reported are old, erroneous : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  employment data reported is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX ERRONEOUS INFORMATION IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERRANEOUS /NO LONGER REVELANT EMPLOYMENT HISTORY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : ERRONEOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXXXXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ) 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.