davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Failed Account Investigation Violations of 15 U.S.C. 1681s-2, 15 U.S.C. 1681i, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1666b, and TILA ( Truth in Lending Act ) Dear CFPB Representatives, I hope this letter finds you well. I am writing to **file a formal complaint** regarding the investigation of an account that has been incorrectly reported on my credit report. Below is the information needed to identify the account : - Creditor Name : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Date of Late Payment : XXXX I received a notification stating that the account in question had been " verified. '' However, this response did not adequately address the concerns raised in my original request and failed to comply with the legal requirements. 

I am submitting this complaint because I believe the investigation was insufficient and constitutes a violation of the following legal provisions : 1. **15 U.S.C. 1681s-2** : This law requires information providers to correct or remove inaccurate or incomplete information when notified of a valid dispute. In this case, the information remains incorrect, which constitutes a violation.

2. **15 U.S.C. 1681i** : Refers to the requirement that credit reporting agencies conduct a reasonable investigation when a consumer disputes information. The investigation performed does not seem to meet this standard.

3. **15 U.S.C. 1637 ( b ) ** : Under the **Truth in Lending Act ( TILA ) **, credit card issuers and creditors are required to provide clear and accurate statements to consumers. I have not received any documentation that meets this requirement regarding the disputed charges.

4. **15 U.S.C. 1666b** : Requires the creditor to provide an account statement reflecting any disputed charges within a reasonable time frame. To date, this has not occurred.

5. **Truth in Lending Act ( TILA ) ** : Under TILA, creditors are required to provide clear and understandable terms and conditions, including details about charges on accounts. The creditor has failed to meet this requirement, hindering my ability to understand the terms of the account and the associated charges.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I received my student loan refund checks on Friday, XX/XX/2023 in the mail. I went the same day inside the branch to deposit them into my account just to have my account frozen and locked. I was flagged by the fraud department and contacted them this morning on XX/XX/2023 and was told to go back into the branch to take the stubs from my checks, the deposit receipt I received and the envelopes them came in. I took them back as instructed, all the while being told that if the checks that I received couldnt be verified FROM THE UNITED STATES DEPARTMENT OF TREASURY mind you, my account would just be closed with no explanation. I have gone through this with Fifth Third before and the ridiculous overdrafts they charge me as well. I just want my funds released and the hold taken off so I can pay my bills and go on with life. They claim to be doing an investigation and I should hear from them in 24-48 for a decision. I feel that this is highly illegal honestly. Fifth Third Bank needs to be investigated and a class action lawsuit needs to filed against them honestly because this is pathetic. Especially when legally a check from the treasury is supposed to be available the next business day when deposited.
Consumer complaint received 2024-09-23
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. (MD)

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( XXXX  ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past XXXX  years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of XXXX ( XXXX XXXX Code XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or Transunion. Additionally, I would like to bring to your attention that under the XXXX XXXX Transfer Act ( XXXX XXXX XXXX ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in may of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to Transunion and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account 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: EQUIFAX, INC. (WA)

On my Discover card : My First Date of Delinquency was XXXX. 
The account was CLOSED XXXX. 

The account was then Charged Off XX/XX/XXXX ( which was more than 7 years after the account was closed ). 

When an account is Charged off, it leaves the account with a {$0.00} balance. 

The company reported that they charged off the balance XX/XX/XXXX ( ~ $ XXXX ). HOWEVER, the company is still reporting the same exact amount as a balance ( a current running balance ). 

I have filed disputes for the removal of the account should recently AND in the past ( many years ago ). 

The above is the information that at least two of credit reporting agencies currently has. 

The account was closed in XXXX. 
The account was charged off in XXXX. 
There was no additional charges to the account since XXXX. 
Therefore, after the balance was charged off ( XXXX ), the account should have a XXXX dollar balance. 
The reported current running balance is incorrect, and damaging! 

In addition, since the account was closed in XXXX, come XXXX ( XXXX after ), the account should have been removed from every one of my credit reports ( every credit reporting agency ). 

Since there was a supposed payment on XX/XX/XXXX -which was the charge off, AND the supposed " currently running balance '' reported of the same amount of money, the account has not been removed and continues to cause damage/harm. 

I have tried to dispute it, but the disputes resulted in the same reported running balance. 


This has caused harm to my credit. 
This has stopped me from repairing my report/credit ( for years ). 
This also has caused harm to my ability to gain credit. 

It is imperative that the information be corrected with all 3 credit reporting agencies! 
... be corrected to a XXXX balance, as of XX/XX/XXXX. 
... And, in addition, since the account was delinquent & closed in XXXX, it has been more than 7 years. Therefore, the account should not be on any of my credit reports. 
* Please remove the account from all 3 of my credit reports. 

Many years have already passed in which I could have been building credit -to which the error has caused harm.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Lenders changed and I was never notified of the new lender being Loan XXXX XXXX I sent my payment on time but they reported me late in XXXX, 2024 I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-03
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. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-23
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. (PA)

After applying for a loan about a week ago, my bank ( wsfs ) generated my credit report from TransUnion and inquired about an account named XXXX XXXX XXXX that was put under collection which owed {$32000.00} in past due rent. This account was opened put under collection on XX/XX/XXXX and was used to pay for an apartment in Mississippi. I own a house in Pennsylvania since XXXX. I have been residing in it since XX/XX/XXXX and have been paying mortgage since then. I have no connection to Mississippi at all. I have never lived in Mississippi. I led a police report ( case number : XXXX  XXXX - XXXX ) regarding this issue on XX/XX/XXXX. I also led a complaint to the FTC Identity Theft Report ( FTC Report Number : XXXX ) regarding this issue on XX/XX/XXXX.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, 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)

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 2024-09-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible : Account Name : XXXX, XXXX When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX Account Name : XX/XX/XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount NumberXXXX
Consumer complaint received 2024-09-16
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)

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 2024-09-16
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX XXXX my PayPal account was used for a purchase on tik tok shop unauthorized. I woke up and saw transaction at XXXX and attempted to call in which they were closed. I attempted to open dispute online it didnt work. I reached PayPal after XXXX while I was working and completed dispute. I also reached tik tok shop to get information and no purchase showing so they could not help even after providing the transaction id. I send PayPal that information as well. I then get a denied claim as of XX/XX/XXXX due to be logged in at that time. I was sleeping so I knew that could not have been the reason. So I call and get no help I requested a supervisor and XXXX talks as if I am bothering her. She sighed throughout call and just didnt want to help I thought I called customer service and didnt receive any of that today. She sounded as if she didnt want to be at work and this was a supervisor in which she sounded like she was in the bed. Dont work in customer service if you cant give that. The frustration of someone stealing my money and then being treated like a criminal is sad and crazy. I requested information on why claim was denied and what I needed to do and was told I needed to mail in a letter. Not sure what the letter is suppose to say and why a letter is needed. I requested information on who I needed to contact not provided. The first agent did explain I wa denied due to being logged in I advised her to give me the times it shows me logged in because I knew I was sleep so I know that was false information. They were unable to give me the times then I asked if they reached tik tok shop to get payment information and where package was delivered, the agent advised it was sent to California! I am in Texas! Not sure if my information is stolen from the outside or internally at this point. Not sure what I need to do to dispute a payment that I did not authorize and I did not use.
Consumer complaint received 2024-10-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (MD)

After my husband 's death I contacted Bridgecrest on XXXX XXXX, XXXX  to find out what the amount owed on my old auto loan was. I was given am amount of over {$10000.00} and told I could make payments for whatever I could. On XX/XX/year> I received a payoff letter from Bridgecrest that stated the payoff amount was {$1200.00}. I checked their website for option to pay the bill. I then called customer service and told them how I received the payoff letter and was trying to make the payment. The customer service rep advised me that the amount was on the letter was the correct amount and to go to an in-person location to make the payment and the call back with the reference number so they could start getting my credit updated right away. 

I called back after making the payment with the required information. The customer service rep who answered that time seemed confused when I said that I paid the payoff amount. She started " investigating '' the issue. After being on hold for 25 minutes I was informed that there was an administrative error on their part, that the payoff amount was over {$10000.00}, but they were willing to accept the amount paid as the final payment however they would be reporting to the credit bureau as a settlement amount instead of paid in full. Or I had the option to continue to make payments until it was paid in full. 

Since they sent me the payoff letter with the payoff amount, the first customer service rep told me that the amount on the letter was correct while on a recorded phone call, and that was the amount paid, this bill should be paid in full and reported as such to the credit bureaus. I acted on the information given to me. If they made a mistake, then it is hardly my fault. I paid the amount I was told I needed to pay.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is still reporting latenesses on ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX in Addition to these lateness on XXXX XXXX I was on a covid-19 repayment plan in which lateness should not been reported. 15 U.S. Code 1666b Timing of payments. A creditor may not treat a payment on a credit card account under an open and the 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.

In Addition, 15 U.S. Code 1681a 2 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making a report.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Consumer complaint received 2024-09-22
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)

This complaint is in regards to Transunion failing to remove/Block information in my credit file due to XXXX XXXX. I have provided Police report, XXXX  affidavit, FTC XXXX XXXX  report everything necessary to have accounts deleted from my file due to someone using my personal information and identity to obtain credit. I am reaching out to CFPB for assistance in getting this matter resolve. I can not believe how difficult this has been, I have provided every thing possible to have accounts removed. Do not understand why these accounts have not been remove. I did not open these accounts!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.