davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXX XXXX XXXX 15-day grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX Bank : It appears that XXXXXXXX XXXX incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXXXXXX XXXX showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (PA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXX XXXX : It appears there was a clerical error in how XXXX XXXX processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the 30-day delinquency threshold. I also included copies of emails from XXXX XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I saw XXXX XXXX  on my credit report. I have never went to this school. 
loan date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is on my credit multiple times. 

15usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15usc 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 conviction of crimes which antedates the report by more than seven years
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XX/XX/XXXX : It appears there was a clerical error in how XX/XX/XXXX processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the 30-day delinquency threshold. I also included copies of emails from XXXXXX/XX/XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX Also Known XXXX : XXXX, XXXX, XXXX Name XXXX XXXX XXXX
Consumer complaint received 2024-08-21
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-24
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)

in accordance with the fair credit reporting act, the account listed below has violated my protected my consumer rights to privacy and confidentiality under 15 usc 1681 account name : XXXX XXXX XXXX account name : XXXXXXXX XXXX  account name : XXXX XXXX XXXX account name : 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 an account without my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency make any consumer report containing any of the following items of information. any other adverse items of information, other the record of conviction of crimes which antedates the report by more then seven years 15 u.s.c 1681s-2 ( A ) ( 1 ) a person shall not furnish my information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-24
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. (OH)

I am writing to inform you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have been listed on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : 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 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America is hiding a security break which could impact their customers, they are either complicit in this fraud, have inadequate security measures in place, or this is an insider attempting to steal data and or funds. On XX/XX/year>, I attempted to log into my online BOfA bank account and the two-factor authentication screen was display asking to select a phone number to be texted for a validation code which is completely normal. However, my phone number and an unknown phone number was displayed. The phone number was not one I recognized, not a family member or any number close to mine. I did not go through with the authentication process and cancelled the login process. I tried to log in several times canceling the process and shutting down my browser and restarting my computer, each time I logged in the same unknown phone number appeared. 

I immediately called the security and fraud department of Bank Of American and told them what was happening. The representative experienced the same thing and asked me to verify the last 4 digits of the unknown phone number, which I did, and she deleted it from my profile. I asked her how this could happen because its impossible for me to add a number without the system doing a multi-factor validation of the number and a code sent to the number being added, then requiring me to input the code, she didnt know, so I asked for a case to be opened she said she couldnt do it, I would have to call customer service. After being transferred many times, wasting lots of time, I was eventually told they cant do anything. This after being placed on hold when the representatives spoke to supervisors and managers, I was told nothing can be done and no case would be opened. As I said its impossible for me to add a number without multi-factor authentication which is why Bank Of America either is woefully incompetent and or this is an inside job. 

Since this occurred yesterday, we are in the process of reviewing our 8 BOfA accounts for suspicious activity or missing funds. This is an obvious major security issue which BOFA is hiding, all their customers need to made aware of this infiltration whether its an internal breach or an external breach.
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IA)

I was granted complete loan forgiveness by the Department of Ed in XX/XX/XXXX. All my accounts showed XXXX balance. It was off my credit report. Then in XXXX of XXXX I get an email that I have student loan payments due ( showing a loan balance of {$16000.00} ). MOHELA put {$28000.00} ( per my credit report ) loans back on my account. Dropped on my credit score immensely. I spent hours on hold to have MOHELA reps acknowledge my forgiveness but can not explain why I have a balance. Refused to cancel it. They put the loan in deferment. I get no answers 'why " I have a balance. No one has contacted me. Still no resolution months later. This effects my credit in a major way. Also, I am a state employee. I can not get answers how this 'mess ' would effect any PSLF 'if ' the balance is legitimate. I argue it is NOT. I have a letter that states and shows all my loans were forgiven. I have screen shots showing my balances at XXXX. 5 months and still no information or resolution from MOHELA.
Consumer complaint received 2024-10-24
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)

Urgent Request for Immediate Correction of False Reporting : Upon reviewing my Consumer Reports, I was frustrated to find outrageous discrepancies regarding alleged late payments on accounts where I have ALWAYS made prompt payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : ( XXXX XXXX XXXX Account number : XXXX ) ( XXXX XXXX XXXX Account number : XXXX ) ( XXXX XXXX XXXX Account number : XXXX ) I DEMAND an IMMEDIATE and DETAILED investigation into these glaring discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide indisputable evidence, such as specific account statements, supporting the alleged lateness of these payments. FAILURE to provide such proof within the given 4-day timeframe will lead to my DEMAND that these payments be corrected to reflect their true, ON-TIME status, in full compliance with FCRA Section 611, which mandates precision and completeness in consumer reports. 

I have always fulfilled my payment responsibilities ON TIME and WILL NOT ALLOW this intolerable error to continue. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-10-24
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. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-21
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. (TN)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (TN)

I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. There are also Hard inquires that I did not do or authorize anyone to do on my behalf. These accounts and inquires are hurting my ability to obtain credit.

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350000.00} 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 2024-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC. (DE)

XX/XX/year> there was a fraudulent check deposited in my account without me knowing I contacted the bank and said this was not me XX/XX/year> Santander account was closed Present day I can not open up any account due to the falsely accused fraud on my consumer report as well as my XXXX XXXX account.

I contacted Santander Bank and got the situation resolved but its still reporting on my consumer report preventing me from using any banking institution
Consumer complaint received 2024-10-24
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. (FL)

I am writing to disputed inquiries on my credit report that were made without my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX