davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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. (NY)

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN INTERNET MORTGAGE (AL)

I completed an online mortgage application ( jointly, for myself and my spouse ). Two days later, I noticed that both my and my wife 's XXXX credit scores had dropped by over XXXX points. I expect a slight drop after a hard inquiry, but nothing close to XXXX points! When I investigated, I learned that AimLoan had made XXXX separate hard inquiries one day apart - once on XX/XX/XXXX and once on XX/XX/XXXX. There was no change in the scores reported on the XX/XX/XXXX and XX/XX/XXXX reports they received ; however, immediately following the second inquiry, our XXXX scores were dramatically hit. When I initially asked AimLoan why XXXX separate inquiries were made, several representatives told me that it should only count as one inquiry and that I should " not overreact '' to a " slight drop '' in my credit score. Unsatisfied with that answer, I continued questioning AimLoan representatives further. I then learned that they first ran our credit scores individually. Then, when they realized their error ( that the initial paperwork was for a JOINT mortgage ), they ran us a second time jointly the following day. I spoke with a XXXX representative and they stated that AimLoan could call them directly to have XXXX of the XXXX inquiries removed and correct our credit scores. To date, I have asked AimLoan representatives multiple times to call XXXX and they have refused. Even though they have assured us multiple times that their inquiries should only count as XXXX hard inquiry, they are unwilling to call XXXX to ensure that result. The loan is still in process, and given the company 's lack of concern and unwillingness to make a simple phone call to correct their duplicated hard inquiries, we are beginning to feel like they 're trying to prevent us from shopping around/getting a competitive rate with this significant hit to our credit scores. I 've talked to XXXX different AimLoan representatives and attempted to work through their Complaint Department and have made no progress. No one will explain to me WHY they wo n't call XXXX to have this simple error corrected.
Consumer complaint received 2023-03-11
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: DISCOVER BANK (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. 
I need to correct credit bureaus ' errors and update my records. Here is the account that must be corrected. 
DISCOVER BANK XXXX XXXX  : {$560.00}
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion replace the deleted account back on my credit report unproving the account was mine with inaccurate information. XXXX XXXX  - Account # XXXX - Inaccurate ACCOUNT NUMBER and Status of {$25000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting XXXX XXXX  XXXX Account # XXXX - Inaccurate Account Number and Status of {$24000.00} AMOUNT PAST DUE and CHARGE-OFF Reporting SHOWING CLOSED ACCOUNT BUT POSTING LATE PAYMENTS XXXX XXXX XXXX, THEN CHARGE OFF DATE UNKNOWN THEN AMOUNT PAST DUE, NO CHARGE OFF ACCOUNT CAN HAVE A PAST DUE AMOUNT OR REPORTED PAST DUE AMOUNT. FCRA 609 ( a ) and FCRA 611 ( a ) ( 2 ) Violation.
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)

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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and have a clear title, now on XX/XX/XXXX you reported the account as charged off. For the past 5yrs this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. If you look at the history of this account it has ways reported as Paid as Agreed and closed so how did you come up with a charge-off status all of a sudden after its been closed for 5yrs. I
Consumer complaint received 2024-10-03
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. (NY)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
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. (FL)

This is my final demand regarding the inaccurate reporting of late payments on my credit report as indicated on my TransUnion report. It is unacceptable and outrageous that TransUnion is the only bureau reporting this as late, despite clear evidence in my account history showing otherwise. I should not have to repeat myself or continue to provide you with information that you already have on record.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

In my XXXX credit report there appears a debt account in a state of delinquency, presented by your company which was paid to the creditor that the company assigned, please request that the error in my credit report be corrected, below in the Attached files I send you the account information settled in full.
Consumer complaint received 2023-10-06
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. (FL)

In Accordance with the Fair Credit Reporting act. XXXX XXXX XXXX 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 2024-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (TX)

THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT P AND C, THEY MUST DELETE THIS IMMEDIATELY!!
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX  failed to transfer XXXX  year ending awards of XXXX to my XXXX no expiration rewards account in XXXX or XXXX of XXXX. Capital One took over servicing the XXXX 's accounts in XXXX of XXXX. 

Capital One has claimed the transfer of the was automatically done. An examination of the monthly rewards balance from XX/XX/XXXX to XX/XX/XXXX does not reflect a posting of XXXX, Only the current months rewards and adjustments are reflected for each month. 

This is shown in the " Schedule of Monthly Non-Expiring Rewards ''. 

I am requesting XXXX after a careful examination of their records that the transfer had not occurred and to make the necessary adjustments to my rewards account of the 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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX **** Balance : {$0.00}
Consumer complaint received 2024-10-02
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. (NY)

I have been asking for proof of the notice that is required by law ( 15 USC 1666b ) that clearly explains that it must be mailed or delivered to the consumer no later than 21 days before the payment due date to report a late payment and XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has been evading my request by replying different topics.
Consumer complaint received 2024-10-31
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. (NY)

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed below from my credit report, as I am a victim of a data breach. This request is pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide protections to consumers who have experienced identity theft. 
Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$820.00} XXXX. XXXX XXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amount : {$840.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$280.00} XXXX. XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$400.00}, {$580.00} 5. DPT EDXXXX Account Numbers : XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$120.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1300.00} Inquiries 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 ( multiple inquiries ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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. (NY)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2024-10-02
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. (WI)

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2024-10-31
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. (NJ)

I am writing to request the immediate blocking and deletion of accounts and inquiries associated with my name that were fraudulently opened or incurred as a result of identity theft. My personal information was compromised in a data breach, leading to unauthorized activities on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent accounts and inquiries blocked and removed from my credit report.

The following accounts are fraudulent and should be deleted from my file : XXXX. XXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$670.00} XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$560.00} Additionally, the following credit inquiry was not authorized and must be removed : XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-10-03
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. (IL)

DEPT OF EDXXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3500.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3600.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX XXXX Original balance {$2200.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened XX/XX/XXXX XXXX Original balance {$2000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1700.00} Status : Closed Status : updated XX/XX/XXXX They have and /or are continuing to violate 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.

|15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-02
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. (OH)

I received a notification on XX/XX/year> that someone had applied for a credit card in my name with XXXX XXXX. I immediately called XXXX and reported it as fraud. I was provided with case number XXXX and told the hard inquiry would be removed from my credit as the request was fraudulent. 

It is now XXXX and the hard inquiry is still on my report. I called XXXX XXXX back on XX/XX/year> and was told that they did everything required on their end to have the fraudulent credit inquiry removed and again provided with case # XXXX. I was told to follow up with Transunion. 

I called Transunion on the same day and they opened an escalated case to reach back out to XXXX to determine what happened. I was told I would hear within XXXX business days a determination. I was provided with case # XXXX by XXXX. 

I called Transunion back on XX/XX/year> as I have not heard anything from Transunion. I was told by the rep I needed to file a CFPB report in order to have the inquiry removed. I was not happy with this as I reported the fraud and XXXX did everything necessary to have the inquiry removed from my credit.