davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.
Consumer complaint received 2023-10-05
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 (CA)

I hired a transportation company in XXXX XXXX airport to take us 21 kilometers. The agreed upon rate was {$60.00}. When I handed the agent my card for payment the screen on the POS system read XXXX dollars USD and I typed in my email address for a receipt because they could not print one from the machine. After I handed back the machine they changed the amount to a highly inflated number and processed the payment. I received a text message from the credit card company asking if I authorized this charge and I immediately responded no, I also called the credit card company immediately to express my concern about being scammed in XXXX. They told me because the charge was still pending to wait and present them with a receipt to dispute. I sent Capital One a copy of my receipt from our driver, the copy of the text message responding officially that I did not authorize this charge, and several pieces of evidence showing the usual and customary charge for a similar route ranging from {$49.00} to {$60.00} which is exactly what we should have paid. All the transportation company sent was a copy of a transaction report showing how much they charged which of course we know that's what they charged however that is in dispute. As a consumer what more could I have done to immediately notify Capital One of the discrepancy? Why didn't they request the invoice of charges along with my signature? Why did I never get an email receipt from the merchant? Why did they not accept the receipt from the driver? From exhaustive research, this is a common practice at the XXXX Airport where they charge a different amount than the verbal agreement and most tourists do not find out until they receive their statement. Then it is too late to fight. However because I was texted and made aware of the charge I immediately notified Capital One that I did not authorize this, why has this been ignored? Why was my phone call not enough to turn our account off or freeze it? Why does the consumer get left with the bill when there is so much clear evidence of being scammed? Why did Capital One instruct me to get a written receipt so that I may dispute the charge in the future when they would not accept the receipt? Just because the scammer sent a transaction report doesn't mean that the charge was authorized. It just shows what they ran the card for.
Consumer complaint received 2024-08-19
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. (NJ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Name : XXXX XXXX, Social Security Number : XXXX, 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 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 2 personal credit card accounts opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), an energy/electric account opened at XXXX XXXX attached to XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a fraudulent Rental of Apartment at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) that is attached to a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$990.00} that appears related to the aforementioned Rental Apartment rented at XXXX 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 XXXX 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 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-19
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. (TX)

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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX bank # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section A. States I have the right to privacy.

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 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc. (GA)

Account # XXXX XXXX XXXX XX/XX/year> To whom it may concern I saw your company furnishing a negative account on my consumer report. I am requesting the assignment contract for validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ).

Provide me with the following information.

The amount of debt.

The original assignment contract Proof that your company sent me a statement assuming the debt to be valid with proof of tracking. 

I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (IL)

Hello I'm a XXXX person trying to get by on a very low income. 
In XXXX XXXX XXXX XXXX XXXX in Florida for XXXX XXXX XXXXXXXX XXXX XXXX happened during a car loan I had with XXXX XXXX from XXXXXXXX XXXX XXXX XXXX XXXX {$9700.00}. 
They took all my worldly possessions, as well as, my car, and auctioned it off in Texas. 
My current credit score is XXXX Which is very poor and causes me financial hardship. 
The loan is now in possession of a collection company. 
I'm trying to get on with my life, yet I can not receive any sort of loan or checking account Please help Sincerely XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have previously disputed with these bureaus ( Experian, XXXX ) and they have yet to remove the inaccurate, incorrect information on my credit report. I have recently sent in more dispute letters on XX/XX/year> and they have received them but have yet to start the investigation process. There are accounts, employers, inquires and names that are being furnished on my credit report that I have already proved did not belong to me. I also have proved my information has been leaked in a recent data breach and these bureaus have still chosen against my consent and will to furnish this incorrect information.
Consumer complaint received 2024-08-27
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. (CA)

XXXX XXXX XXXX : XX/XX/year> Confirmation # XXXX XXXX is not investigating a false charge by a former landlord attempting to extort me after moving out. They falsely charged me for move out fees but the unit was cleaner than when I received it. 

I have complained about the original landlord to the CFPB and XXXX. I submitted proof in photos of the condition to XXXX and they ignored my documentation and refused to investigate the charge.
Consumer complaint received 2024-09-20
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (FL)

On XX/XX/XXXX I received an electronic notification from XXXX and XXXX credit reporting agencies that a collection account was added to my credit file on XX/XX/XXXX in the amount of {$1300.00} for Original Credit XXXX XXXX XXXX XXXX 

After further review I have never been notified of any medical debt by this company or any other company. I have always had insurance and paid any amount due by me. The following company added a collection debt to my credit file without notifying me first. 

Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

The debt says it was from back in XXXX. I have no idea. I need proof that this debt is mine and was submitted to my health insurance company the documentation to prove it was sent to my insurance provider and how much insurance provider paid if it was ever submitted.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-06-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute : US BKRPT CT MD XXXX XXXX Purpose : Supplementary explanation of evidence. 

To Manager, I have previously disputed this bankruptcy record with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Please note my attached Birth Certificate. My legal name is noted there. Its the name I am required to use in all legal proceedings. This further shows that this record does not belong to me. I am frequently the target of identity theft and people burning my credit report with false info since my data has been breached by XXXX, opm, XXXX, and other companies. 


XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my 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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$54.00}
Consumer complaint received 2023-09-05
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

Someone has been using my Identity to open a car loan, a us bank account of some sort, there's other accounts opened but i am not sure what these consumers are I never heard of them. I filled a police report with the XXXX XXXX police department in California because My car was stolen with all my personal items and personal info and i believe thats how they got a hold of my info.
Consumer complaint received 2024-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MN)

I sent in my application for Private Loan Discharge on XX/XX/XXXX and still have not heard back from Navient. 

Email stated : Please see my application attached and supporting documents. 

Please let me know if you have any questions. 

Sent XX/XX/year> with supporting documents ( attached ).
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Hello I was victim to cash app fraud that took place in my account without my authorization. I lost more than XXXX XXXX The app took my money and sent it to someone in the XXXX and wont refund my money.
Consumer complaint received 2024-09-04
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. (NJ)

XXXX XXXX XXXX XXXX  *on my equifax credit report should not be there. I have never owned or been affiliated with the account they are alleging. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. If this account is not removed I will have no choice but to pursue legal action within the FCRA laws.
Consumer complaint received 2024-09-23
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (NM)

SENT BILL OF EXCHANGE AND 1099A 1099C TO SET OFF THE ACCOUNT TWICE THEY KEPT THE FINANCIAL INSTRUMENTS AND NEVER SET THE ACCOUNT OFF REQUESTING PAYMENT AND REPORTED ME TO THE CREDIT BUREAU 'S
Consumer complaint received 2024-08-21
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: Freedom Mortgage Company (PA)

Ive had my mortgage for over XXXX years. Ive never had a XXXX day late payment with Freedom, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to Freedom Mortgage along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to Freedom Mortgage for an escalation solution to no avail. Ive been in contact with Freedom Mortgage in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a small real estate investor and Im at risk of losing my entire business over this matter. I lost XXXX points on my XXXX XXXX and without the proper XXXX XXXX Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States Lender XXXX ID : XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''