davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-27
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. (KY)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentialities under 15 USC 1681. 

Accounts : # XXXX, XXXX XXXX XXXX XXXX XXXX the amount of {$1100.00} for XXXX XXXX. XXXX. XXXX. 
AND # XXXX, XXXX XXXX XXXX in the amount of {$1000.00} for XXXX XXXX XXXX XXXX 
has violated my rights. 

15 USC 1681 section 602A. States I have the right to privacy.

It also states, in section 2 that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604, A. Section 5 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681 S 2 ( A ) ( 1 ) states 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 in accurate.
Consumer complaint received 2024-09-27
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Concerns Regarding Identity Theft and Consumer Reports Dear CFPB Representative, I am writing to bring to your attention a serious issue concerning the use of my personal information by TransUnion and the implications of identity theft under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S. Code 1681b and 1681c1.

It has come to my attention that my identity may have been compromised, leading to unauthorized use of my consumer report for employment purposes as outlined in 1681b. This situation raises significant concerns about the security and integrity of my personal information. 

I would like to remind you of 1681c1, which allows for the initiation of one-call fraud alerts. Upon my request, I expect that TransUnion will include a fraud alert in my file for no less than XXXX year and provide this alert with any credit score generated from my file. Furthermore, I request that any extension of this fraud alert be communicated to other consumer reporting agencies as required by law. 

Additionally, I would like to ensure that TransUnion is promptly notifying any information furnishers of the identity theft report I intend to file. Protecting my personal information and ensuring that any fraudulent activity is addressed swiftly is of utmost importance to me. 

I appreciate your attention to this matter and look forward to your guidance on how to proceed with protecting my identity and addressing any unauthorized use of my consumer report. 

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (NC)

Introduction : I am writing to address the recent closure of my credit card account by Ally Credit Card Company, which I believe was done in violation of my rights as a consumer. This closure occurred shortly after I filed a complaint regarding the companys failure to follow proper dispute resolution procedures. 
Background : On XX/XX/2024, I noticed a billing error on my credit card statement. I promptly contacted Ally Credit Card XXXXmpany to dispute the charge, as outlined under the Fair Credit Billing Act ( FCBA ). Despite my efforts, the company failed to acknowledge my dispute within the required 30 days and did not resolve the issue within the 90-day timeframe mandated by law. Frustrated by the lack of response, I filed a formal complaint on XX/XX/2024. 
Additionally, the issue I complained about was paid off, but the credit card company did not issue a refund. Instead, they reported to the three credit bureaus that the matter was still in dispute, further complicating my financial situation.

Legal Framework : Under the FCBA, consumers have the right to dispute billing errors and expect a timely investigation and resolution. Regulation Z further outlines the responsibilities of credit card issuers in handling such disputes. 
Argument : The closure of my account on XX/XX/2024 shortly after filing my complaint, appears to be a retaliatory action. This is a clear violation of my rights under the FCBA and Regulation Z. The timing of the account closure suggests that it was done in response to my complaint, rather than any legitimate business reason. 
Moreover, the failure to issue a refund after the disputed amount was paid off, and the incorrect reporting to the credit bureaus, demonstrate further negligence and misconduct by the credit card company. 
Impact : The closure of my account has had significant negative impacts on my financial stability and credit score. I have been a loyal customer of Ally Credit Card Company for two years, and this action has caused undue stress and hardship.

Conclusion : I respectfully request that Ally Credit Card Company reopen my account and address the billing error in accordance with the law. Additionally, I seek assurance that no further retaliatory actions will be taken against me for exercising my rights as a consumer. I also request that the company correct the information reported to the credit bureaus and issue the refund owed to me.
Consumer complaint received 2024-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

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 I trust this matter will be resolved quickly, and I appreciate your cooperation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (MD)

BridgeCrest Charge off Account is currently showing inaccurate balance as well as Payment history. Charge off amount : XXXX Balance showing on credit report - XXXX. 


Account was reopened and Ive made on time payments since XXXX.
Consumer complaint received 2024-09-04
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. (PA)

I have requested after this account was verified many times regarding disputes under 1681b ( a ) ( 2 ) /604 ( a ) ( 2 ) that pertain to this account appearing on my credit report without my consent/permission. Additianally, I have requested a description of the procedures used that led to this account listed below to be verified. Each time I have submitted these disputes via CFPB Portal and each time Experian has FAILED to provide the information thereby ignoring the actual information I requested which included the person ( s ) names, address and telephone number which is required in accordance with 15 USC 1681i ( 7 ) / ( 6 ) ( B ) ( iii ) and Experian is required to provide this information to me in 15 days or I can sue Experian for {$1000.00} each time they fail to do so. 
I included a request fir this infirmation when I disputed this account via CFPB # XXXX on XX/XX/year> for which I received the results today stating that this account XXXX XXXX  ( XXXX XXXX ) - # XXXX # XXXX .Experian Report - XXXX Date Generated XX/XX/year> was again verified. I submitted my request again with my last dispute that I submitted via CFPB Portal on XX/XX/year> that I received results today and should receive the information that I requested with my dispute within 15 days or you agency will be in violation once again and I would have a right to sue Experian for another {$1000.00} according to 15 USC 1681i ( 7 ) / ( 6 ) ( B ) ( iii ). Please send me the information within 15 days from now according to the aforementioned LAW.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I was notified by XXXX that they experienced a data breach that contained my information. Their advice was to contact the three credit bureaus to initiate a credit freeze/security freeze. 

I was able to successfully set up online accounts with XXXX and XXXX, but I have been unable to set up an account with Experian. I submitted all of the correct information to them, but they say they were unable to verify my identity, and gave me a phone number to call. 

The phone number is an automated system that sends me through a loop every single time with no option to speak to a live representative on the phone. Overall, this has been an incredibly frustrating experience. 

There is no way to speak to a human being about my online account, and for a company with which I am forced to do business by virtue of being an American citizen with credit, I expect better customer support.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

Lexis Nexis is reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court.

Specifically, Lexis Nexis is reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by Lexis Nexis, not the U.S. Bankruptcy Court. Lexis Nexis has indicated that it used information from PACER, not the Court. The information is different and inaccurate. Please see attached. 

The credit reporting agencies are using information that Lexis Nexis purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to Lexis Nexis, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

This is my second complaint to my mortgage company from my first complaint in XX/XX/XXXX regarding the same issue. My mortgage company Newrez LLC continues to pay my property taxes under the incorrect tax parcel number and incorrect amounts after repeatedly informing them that my current parcel number is being divided, and therefore, the amounts being reflected is incorrect. I asked that they should pay my taxes only after I submitted corrected tax bills from my county office which then they can pay it or adjust any differences back to my escrow account. My mortgage company did not do that and continues to pay my taxes in the incorrect amount. Even after I submitted the corrected tax bills ( which is called a pay by legal bill with an ABL number instead of a parcel number ) to them, they also pay my corrected tax bill WITHOUT adjusting any difference of the first bill they had paid back to me or refunding me a full amount of the first bill. Because of this, they continue to use the incorrect tax amount to calculate my monthly payment and escrow analysis, causing my escrow account to have a very high negative balance and expecting me to pay it. I was told many times by them that an adjustment would be made when I submitted the corrected tax bills but that never happened. Right now, I can barely afford to pay my mortgage payment if it continues like that. 

My county office ran a report of the amounts under my undivided parcel number in the amounts that Newrez had paid, and also the amounts from my XXXX XXXX  XXXX ( XXXX ) bill which is the actual amounts that I am responsible for paying. I have attached the report to this complaint. This is for both tax year XXXX & XXXX, specifically XXXX XXXX installment ( XXXX ), XXXX XXXX installment ( XXXX ) and most recently XXXX XXXX installment ( XXXX ). I have not received a full refund on any of these and my mortgage company continues to make me do a full monthly payment including the wrong tax amounts they had paid for me in order for me to clear my negative escrow balance. 

I am in need of any assistance and resolution as this continues. If my mortgage company can not fix any issue on their end or accommodate my payments I will plan to sell my house.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in XXXX  days to be removed. 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 XXXX  days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Consumer complaint received 2024-09-04
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. (PA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-04
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. (CA)

I recently obtain a copy of credit report an noticed that I have some hard inquiries that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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, XXXX, Equifax, and XXXX, XXXX credit reporting agencies, 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 personal credit cards opened with XXXXXXXX XXXX XXXX XXXXXXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened with XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A utility account with XXXX opened XXXX XX/XX/XXXX under the account number XXXX, and a collections account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer FICO credit report. 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 number : 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 2024-08-09
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-05
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired or deleted as soon as possible. 
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