davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report concerning my XXXX  account, account number XXXX. Specifically, late payments were reported for the months of XX/XX/year> and XX/XX/year>, which are incorrect. 

Below are the specific laws protecting my rights as a consumer, which have been violated in this case : 1. 15 U.S. Code 1681i Dispute Investigation Law : This statute requires credit bureaus to conduct a timely and thorough investigation of any disputes submitted by a consumer regarding inaccuracies in their credit report. 
2. 15 U.S. Code 1637 ( b ) Requires creditors to provide accurate billing statements to consumers. There are discrepancies in the billing statements issued by XXXX for the months of XXXX and XX/XX/year>. 
3. 15 U.S. Code 1681s-2 This section obligates information furnishers to ensure that the data they report to credit bureaus is accurate. XXXX has failed in this responsibility by reporting incorrect information, and thus the late payments must be corrected or removed. 

I have attempted to resolve this dispute directly with the credit bureaus and the creditor but have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to investigate and assist in correcting this inaccurate information in compliance with consumer protection laws. 

Attached is a copy of my credit report highlighting the late payments in question, along with any supporting documentation that may assist in your investigation. 

Thank you for your prompt attention to this matter, and I look forward to a favorable resolution that ensures the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
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. (MO)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America charged an annual fee of {$79.00}. Although they were charging this fee for the first time ( they do n't charge it the first year to get people to sign up ) they would n't refund the fee even if the account was cancelled. They claim to have sent a notification email, however they made the subject of that email " Your Credit Card Legal Notices Are Now Available '' no mention of a fee. In fact, to see the details about the fee you 'd have to click on a link inside that email and be redirected to their website. Although the fee is for the coming year, 95 % of which is still unused, they refused to waive the fee, or even prorate it saying that once it 's charged they wo n't refund it. This is clearly predatory behavior aimed at bilking unsuspecting customers the vast majority of whom would n't even open an email with the subject line above.
Consumer complaint received 2024-10-02
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. (GA)

XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These accounts are all fraudulent accounts opened in my name. I was XXXX with XXXX XXXX  XXXX XXXX when my identity was stolen and being used to open fraudulent accounts. 

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. My only address should be XXXX XXXX XXXX XXXX Ga XXXX. I was XXXX since I was XXXX XXXX XXXX until my release date of XXXX When I came home it was to my home address of XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2024-10-03
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. (AZ)

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has severely impacted my reputation, and I need your help. Your mishandling of my report has left me in a difficult position, and the incorrect information has caused significant harm to my reputation. You need to remove these inaccuracies from my credit report.
Consumer complaint received 2024-10-03
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Demand for Validation of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) on my credit reports. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that I do not recognize this account. 

Details of the Dispute : Account Type : Collection Date Opened : XXXX Balance : {$530.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported against me ( 15 U.S.C. 1692g ). The FDCPA requires debt collectors to provide verification of the debt upon request. Since I do not recognize this account, I am requesting validation of this debt. 

Additionally, the Fair Credit Reporting Act ( FCRA ) protects consumers by allowing them to dispute inaccurate or incomplete information on their credit reports ( 15 U.S.C. 1681i ). If the creditor can not validate this debt, I request that it be deleted from my credit reports. 

Requested Actions I kindly request that you provide me with documentation verifying that this account is valid and that it belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FDCPA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (TX)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently reviewed my credit report and found that false information continues to be reported by TransUnion, XXXX, and XXXX. Despite submitting disputes, the credit bureaus have incorrectly verified this information as accurate. I am providing attached documentation that clearly proves these entries are not correct. This persistence in reporting inaccurate data violates the Fair Credit Reporting Act ( FCRA ), particularly section 623, which mandates that information provided to credit bureaus must be both accurate and complete. 

Given the proof provided, I request that you immediately remove this inaccurate information from my credit report. Continuing to verify and report false data is a clear violation of my rights under the FCRA. Please act accordingly to correct this issue and update my report to reflect accurate information only.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

EXPERIAN CONTINUES TO LIST ON MY CREDIT REPORT NAMES AND ADDRESS THAT DO NOT BELONG TO ME .AND IT NEEDS TO BE REMOVED AND DELETED AND UPDATED WITH MY CORRECT NAME AND PRESENT ADDRESS ONLY!!! 

.
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

I can not believe that there are so many unethical people in XXXX company. Wells Fargo employees will come up with any lie they can to cover up their fraudulent activities. They prey on the accounts with low balances because those customers are more unlikely to have the resources or the time to fight back. Wells Fargo erroneously made an unauthorized payment from my account for {$270.00} when my balance was at {$9.00}. No payment should have been made and my account would still been in good standing. I specifically made certain that I had NO Over Draft protection connected to my checking account. Wells Fargo XXXX XXXX XXXX verified that I had gone into the branch and removed the OD protection from my account. Then she informed me that XXXX XXXX protection was XXXX. She used that word, XXXX. That I had no choice, I had to have OD protection on my accounts. I asked why the teller did not inform me of that and she had no answer. In the letter denying my complaint to CFPB, Wells Fargo states that my account DID NOT come with OD Protection and that I requested it. Will someone at Wells Fargo please stop covering your tracks with whatever lie you think fits at the time. People put money in your institution with trust that you will take care of it. That is your job. It is your job to ensure the safekeeping of your clients money. You duty is to ALL of your clients, even the ones with low balances. If XXXX bank employee does the right and ethical thing, do they lose their job? I was blown away by the sheer lack of customer care, concern or responsibility by any Wells Fargo employee that I spoke with regarding this issue. It was deny deny and lie. My credit is ruined by Wells Fargo because you did the wrong thing with MY money and Charged me for it. You immediately should have removed all of your bank fees including the ones that accrued when you told me my account was frozen and IT WAS NEVER frozen. You ruined my credit with your bank fees that you charged me for your error. You would rather lie and charge fraudulent fees than do the right thing. Charging fraudulent fees and lying about people 's money is financial fraud and every XXXX of those employees that lied to cover up your mistake should be barred from working in any financial field and yet it is a totally acceptable practice at Wells Fargo. At XXXX, when my balance is higher or lower I get a phone call and they tell me how my account should be adjusted so that I avoid unnecessary charges. That is how a bank is supposed to treat ALL of their customers and Wells Fargo, rather than looking out for their customers, is looking for ways to charge additional fees to their customers. Wells Fargo should have to make their money by banking, not by bank fraud. And the fines for fraud do not come close to the revenue from fraud, so they will keep on doing it at the expense of the customers who still trust them.
Consumer complaint received 2024-10-02
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. (ND)

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.
Consumer complaint received 2024-10-03
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)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I hope this notice finds you well. After careful review of my consumer report again, I still noticed that you continue to furnish false, misleading and inaccurate information on my consumer report that should not be there pursuant 15 USC 1681i and 15 USC 1681e ( b ) Accuracy of Report ; You have furnished inaccurate information which is illegal! You have violated XXXX Compliance procedures and format for reporting! And youre reporting transactions and experiences that are to be excluded from the consumer report pursuant 15 USC 1681a ( d ) 2 ( A ) I and charge offs are considered income according to the IRS and excluded from the consumer report. You continue to violate my federally protected consumer rights so Im exercising my right to OPT-OUT of reporting these accounts on my credit file pursuant 16 CFR 313, The Gramm-Leach-Bliley Act and The Privacy Act of 1974. Im opting out pursuant 15 USC 6802, 15 USC 6803 and 15 USC 6804 ; any authorization given, written or verbal is now RESCINDED! It is effective immediately! I demand these attached accounts be deleted from my consumer credit file. And according to the documentation provided by the Secretary of State Uniform Commercial Code Certification, there is no record of any lien ( s ) from any company against me. I have supporting documentation from the Secretary of State to validate my claim. I also have proof of public legal notice, that all the liabilities been transferred to the Revocable Living Trust `` XXXX XXXX XXXX XXXX ''. Therefore, the inaccurate and erroneous accounts must be DELETED from my credit file. I am exercising my OPT-OUT RIGHTS and if you continue to violate my consumer rights, I will accelerate legal actions pursuant 15 US Code 1681n - Civil liability for willful noncompliance -Please See Attached
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received an email from capital One stating that i had been approved for a credit card, and that the card was getting mailed out. Also, XXXX XXXX alerted me of a hard check on my credit for said card. I did NOT open an account with them. I contacted Capital One, and they confirmed that an account was opened matching my social security number, but not the information i provided ( name, date of birth, address, etc ) They opened an investigation into the fraud, and closed the account. Said it would take XXXX weeks, and were unable to give me a case number for some reason. 
Miscellaneous accounts have also been opened ( shopping stuff and website subscriptions ), and have been spamming my email ever since as well.
Consumer complaint received 2024-10-31
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. (TX)

Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (MI)

Ive told them to stop calling 2+ yrs ago. They haven't stopped. This debt collector uses a deceitful tactic, calling from a different number every time they call, changing the last two digits of their number. Although they do this, my scam protection allows me to still see their name ( Ars ). Over the last 2 yrs, they have called 97 times. 
Subject : I rented a storage unit, signing a contract. After three years of renting, the company sold to someone else. The new owner called and told me I would have to come in and sign a new contract with them. Since the price increased, I decided I would take my property elsewhere. I never signed anything, moved my things, and they are still trying to charge me for renting the unit. I did not agree to anything sign anything and owe them nothing.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report with transunion to help delete all invalid data on my credit. checking my file all of the information Is hindering my credit report needs to be removed. please review an delete the info filed to correct all inaccurate information that is incorrect on my credit report.
Consumer complaint received 2024-09-14
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. (PA)

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 XXXX XXXX : # XXXX, has violated my rights. 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.