davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I mailed a dispute letter to Equifax in XX/XX/year> and I followed up with a dispute through the CFPB on XX/XX/year>. Well over 30-days from my second dispute, Equifax responded by stating it needed information to verify my identity. This makes no sense. I was able to pull my XXXX report with no problem. And after XXXX XXXX stated it could not find my file, they sent me a letter stating that they found it and were sending me my report. You had thirty days to respond to my dispute and did not do so. Now, you must delete the account. Asking for identity after thirty days has lapsed is not acceptable. You must delete the disputed accounts because you obviously did not investigate and verify they were accurate and complete.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Hi! I need help, EQUIFAX shows the error code NH ( meaning No History ), but I have credit scores and histories from the other 2 credit bureaus. I need to know where is the error coming from. 

I sent them a certified mail letter several times already, about three time together with a copy of my valid ID and SS, but they did not respond. 

I also tried to pull my free credit report from XXXX website and it always shows NH. I do have history, its been more than 2 years now. 

Equifax just dont respond correctly. 
I've BEEN CALLING them too many many times already, always they will always say that the system is not working. This is serious, it is affecting me personally, mentally, and emotionally. I need help because I cant get a car loan and a home loan approval. This is such a life ruining situation. Thank you for your help. 

EQUIFAX PLEASE DO YOUR JOB.
Consumer complaint received 2024-06-13
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information from my credit report.
Consumer complaint received 2019-07-30
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. (UT)

XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX****XXXX are reporting duplicate line items to XXXX ; XXXX and Transunion a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

" 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXX "
Consumer complaint received 2024-06-13
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. (NC)

Here is a List dates of Inquiries I have no knowledge of : XXXX XXXX XXXXXXXX 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 2024-06-13
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)

In response to a few problems I've had with the credit bureau, I'm writing to voice my concerns. Among these problems include irregular billing, wrong credit reporting, several fraudulent queries, false account listings, and accounts that are not mine.
Consumer complaint received 2024-06-13
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. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My account with ( XXXX, XXXX XXXX XXXX XXXX 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 reported in ( MONTHS REPORTING LATE ) 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 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX 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 2024-06-13
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. (AZ)

I am 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, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-13
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)

Hi my name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached several documents for your review exposing the following credit reporting agencies of reporting Inaccurate, Incomplete and fraudulent accounts on my consumer report. Please see attached ;
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I opened a checking account with Citizens Bank using a promotional offer code XXXX. 
Under this offer, Citizens Bank is offering a bonus of up to {$400.00} when you open a new checking account, as follows : To earn a {$300.00} bonus, open your first new personal checking account between XX/XX/XXXX to XX/XX/XXXX and have at least XXXX single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 
To earn up to {$100.00} : Get paid {$2.00} per qualified debit transaction ( up to {$100.00} ) that post and clear your new checking account within 60 days of account opening. 

I have met all offer requirements ( please see description below ), but I did not receive my {$400.00} bonus. 
XXXX. I opened my account on XX/XX/XXXX. 
XXXX. I received a direct deposit on XX/XX/XXXX XXXX. I have made XXXX debit card transactions that were posted and cleared in my new checking account within 60 days of account opening. 

After meeting all requirements and before I received my {$400.00} bonus, Citizens Bank notified me that they have closed my account on XX/XX/XXXX. 

Although I met all the requirements, I did not receive the {$400.00} Bonus. Based on the clear terms and conditions the Bank is legally required to pay me the {$400.00} bonus.
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. 

First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! 
Wait!!!! Here comes the worse part!!!!!! 
They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me.
Consumer complaint received 2024-07-15
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)

My repeated efforts to correct the false, erroneous, and misleading entries on my consumer report have been unsuccessful. These incorrect records have significantly disrupted my life, causing substantial distress. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information linked to my identity.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-13
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. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-13
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (WV)

I was told ( and call was " recorded for quality and training purposes " ) when calling to make payment for XXXX that I didn't owe anything because I had paid ahead on the loan. Both automated and actual person owed {$00.00} for XX/XX/2023. I then found I was reported as delinquent for XXXX to credit agencies. I paid the {$17000.00} loan off in full in XXXX. But still shows I was delinquent in XXXX. I was not. Have had numerous calls, so many I have lost count, and also emails go completely unanswered.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-06-13
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC (TN)

Per the FCRA, as a federally protected consumer, I am now OPTING OUT of any and all authorization I may have given you, whether WRITTEN, UNWRITTEN, VERBAL, or NON-VERBAL, as per federal privacy laws. THE PRIVACY ACT OF 1974 mandates criminal liability for willful and knowing violations, and it enforces the accuracy and fairness of credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY under these regulations. 

It is the policy of Congress that each financial institution must respect the privacy of its customers and protect the security and confidentiality of their non-public information. These institutions have an OBLIGATION with respect to the disclosure of personal information. The enforcement of these regulations is carried out by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons under their jurisdiction.