davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted, to date, I have not received satisfactory proof that the late payment was accurately reported.

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute.

All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting.

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence.

Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information.

Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect.

I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately.

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The Transunion Credit Services website design causes the consumer to signup for their credit monitoring services when they are just trying to pull their individual credit score.

The website is designed to have the applicant become a ongoing member instead of a 1 time information seeker. This is bait and switch. 

The design is intentional.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account in violation not reporting accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

On XX/XX/XXXX, I opened One Deposit Checking and One Deposit Savings accounts with Citizens Bank online using a link for a promotional offer on their page. 

I completed all requirements necessary to receive the promotional bonus promised per the terms and fine print, and did not receive the bonus in the promised time frame. 

Upon opening the account I called and spoke with a customer service representative who confirmed for me that the promotion was indeed attached to my new checking account. 

The terms of the promotion were as follows, copied directly from the offer page which is also attached to this complaint : " To earn a {$300.00} bonus, open your first new personal checking account, excluding Student Checking, between XX/XX/XXXX and XX/XX/XXXX and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 

To earn a {$200.00} bonus, open your first new personal checking account ( excluding Student Checking ) AND open your first new personal savings account on the same date between XX/XX/XXXX and XX/XX/XXXX with a minimum of {$15000.00} not on deposit with Citizens Bank that remains on deposit until date stated in the table below. To earn the additional {$100.00} bonus, you must qualify for both the {$300.00} and {$200.00} bonuses noted above. '' On XX/XX/XXXX, well within the 60 day eligibility period, I received a direct deposit to my account of {$510.00}. In my Citizens One Online Banking Portal, this was indeed confirmed as a " Direct Deposit. '' I have attached a screenshot of my online banking portal. 

According to the offer page, as somebody who opened my account in XX/XX/XXXX and completed my direct deposit requirement within 60 days, I was guaranteed to have received a {$300.00} " Balance Builder Bonus '' before XX/XX/XXXX. 

In mid-XX/XX/XXXX I called and spoke to a customer service representative who confirmed to me that I had completed the requirements and I would definitively be receiving the bonus before XX/XX/XXXX. 

On XX/XX/XXXX I called and spoke to a customer service representative named XXXX XXXX who confirmed to me that I had completed the requirements and I should have received my bonus. Ms. XXXX opened an investigation into the matter under case number XXXX, and promised me that somebody would be reaching out to me ASAP. 

It is now XX/XX/XXXX and I have received no communication, and have not yet received any bonus. 

Thank you.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-11
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)

I have an account that's on my credit report that is due to identity theft ( XXXX XXXX # XXXX ) Both Experian and XXXX both have refused to remove it. Also I have a Bankruptcy being reported on my reports that is incorrect both credit reporting companies have claimed they verified the bankruptcy ( XXXX ) which is false. First I was told that they verified it with XXXX XXXX which is not false. I obtained a copy of my XXXX XXXX report and it is not on there. Then I was told the court had verified it but then I have correspondence from the courts stating they do not verify. Also XXXX has been reporting an incomplete docket XXXX. ( enclosed ) which is a violation of FCRA rules.
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: DISCOVER BANK (MI)

Discover and/or XXXX continue to report derogatory status for account included in XXXX filing XX/XX/XXXX with the discharge date in XX/XX/XXXX as the most recent derogatory and/or late payment negatively impacting my score and account history. 

I have filed the following disputes with XXXX : XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover bank XX/XX/XXXX Discover fin svcs llc I have also contacted Discover multiple times but requested investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( DENIED ), and XX/XX/XXXX. 

Discover Bankruptcy Dept confirmed the account would have been reported to XXXX, XXXX, and XXXX with the same information as it was included in XXXX Bankruptcy, Closed with a {$0.00} balance, and no additional updates beyond XX/XX/XXXX. Although it may be based on the disputes, Discover Dispute Dept has reported the discharge of XX/XX/XXXX as the Status Update ( Derogatory and/or Late Payment )
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: Experian Information Solutions Inc. (MI)

XXXX and/or Experian continue to report derogatory status for account included in Chapter13 filing XX/XX/XXXX with the discharge date in XX/XX/XXXX as the most recent derogatory and/or late payment negatively impacting my score and account history. 

I have filed the following disputes with Experian : XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also contacted XXXX multiple times but requested investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( DENIED ), and XX/XX/XXXX. 

XXXX Bankruptcy XXXX confirmed the account would have been reported to XXXX, XXXX, and Experian with the same information as it was included in Chapter13 Bankruptcy, Closed with a {$0.00} balance, and no additional updates beyond XXXX  Although it may be based on the disputes, XXXX XXXX XXXX has reported the discharge of XX/XX/XXXX as the Status Update ( Derogatory and/or Late Payment )
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have made multiple attempts to have my personal information corrected on my credit report with both XXXX and Experian, but unfortunately, these attempts have been unsuccessful. Despite my efforts, the incorrect information has been repeatedly marked as " verified '' without any explanation or proof provided by either reporting agency. 

I have requested the removal of incorrect addresses and alleged employers from my report, but as of 41 days later, these inaccuracies remain, with no justification from either XXXX or Experian. Additionally, Experian continues to display incorrect variations of my name, despite clear instructions to correct this. 

Enclosed are copies of the letters I previously sent, along with proof that both XXXX and Experian received these letters. Despite this, the false and unverifiable information continues to appear on my credit report. 

I kindly ask for immediate action to rectify these issues and provide a clear explanation of the " verification '' process used to confirm these inaccuracies.
Consumer complaint received 2024-09-11
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. (SC)

RE : FTC Report # XXXX In accordance with XXXX5 USC 1681c-2 c ( a ), it is imperative that credit reporting agencies take immediate action to block and remove all information associated with alleged identity theft from consumer credit reports. This statute mandates that credit reporting agencies promptly address such requests within four business days of receiving a complaint.

1.Identity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) 2.Identity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) 3. Identity Theft, HARD INQUIRIES Statement : i dont recall applying for any credit since 2021 ( ( tracking number of letter sent via usps priority in attachments ) The statute allows me to pursue for damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and the credit bureau has taken no immediate action to block and remove the fraudulent account from my credit report. I sent multiple certified mail to attempt to resolve this. I have provided all the necessary information to facilitate this process.

Attached : - FTC ID Theft Report - USPS Priority Mail with Tracking Numbers for correspondence sent to bureaus
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Applied for credit card and got letter saying experian was legally required to give me a report. XXXX their info on me is wrong and I can not get verified. On a phone call they refuse to connect me to an agent and their info they demand in a letter I dont have, like a utility or rent bill. Thus with their demands they are refusing to comply with the law! Using their demands for either incorrect personal info or copies of things I dont have they are thwarting complying with the law! Making it impossible for me to get my report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Im extremely frustrated with how my credit scores are being affected by inaccuracies in my report. These errors are dragging down my scores and making it nearly impossible for me to get the credit I need. The constant stress and challenges this has created are taking a serious toll on my life. Despite my repeated efforts to get this sorted out, I havent received any effective response.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently received a copy of my Equifax credit report and was dismayed to find that accounts were reported without my permission. I did not grant anyone consent to post this information on my credit report, nor did I provide any third party with authorization to furnish such a report. 

Your company 's actions are in clear violation of the law, specifically 15 USC 1681b - permission to report on consumer credit report. The law explicitly states that consumer reporting agencies may only furnish information in accordance with the written instructions of the consumer. I did not provide written instructions for these accounts to be included on my credit report. 

Furthermore, the Fair Credit Reporting Act under 15 USC 1681 ( 2 ) ( a ) states that any report containing information solely as to transactions between the consumer and the person making the report should be excluded. Therefore, I am requesting that the late payments referenced in my consumer report be deleted immediately. 

I expect a prompt and appropriate resolution to this matter. Please confirm receipt of this letter and provide a timeline for when the unauthorized accounts will be removed from my credit report. 

Failure to respond satisfactorily by deleting the unauthorized accounts and providing me with a free copy of my report after the changes have been made will result in legal action being taken against your company. I will also seek {$1000.00} per violation for the unauthorized reporting of information on my credit report. 
1.Defamation of character ( per se ) 2.Negligent enablement of identity fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations. 
4.Fair debt reporting Act 15USC 1681 violations for willful noncompliance for willful noncompliance [ 15 U.S.C. 1681n ) Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am filing this complaint against Capital One because I was denied a checking account application based on an incomplete report from XXXX XXXX XXXX ( XXXX  ). Capital One exclusively relies on XXXX report to approve or deny applications, which in my case omits key accounts I actively hold with XXXX XXXX XXXX XXXX XXXX XXXX XXXX This incomplete report significantly impacts my XXXX  deposit score, currently XXXX, which, in turn, affects my application outcome. 

I attempted to address the issue by providing additional documentation to Capital One to clarify my financial relationships. However, Capital One declined to review this documentation, instead directing me back to XXXX. My subsequent XXXX  file confirmed the absence of critical account information, leaving me without recourse to correct my profile directly with Capital One. 

Furthermore, I have filed a separate complaint againsXXXX XXXX XXXX XXXX for the incompleteness of my report, as XXXX  does not offer a straightforward method to dispute missing account informationonly inaccuracies in data already present. Once XXXX  corrects this missing information, I expect Capital One to perform due diligence in reassessing my application based on an accurate report. Given Capital Ones co-ownership of XXXX, it should be aware of and anticipate these corrections, preventing any further excuses based on incomplete data. 

Note on Ownership Structure XXXX XXXX XXXX XXXX  is co-owned by major financial institutions, including Capital One itself, along with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. This ownership connection raises concerns about potential conflicts of interest, particularly when institutions rely solely on XXXX  data to determine eligibility. With Capital Ones ownership in XXXX, it is especially critical that Capital One ensures full reporting accuracy rather than relying on incomplete data that unfairly impacts consumers.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Early Warning Services, LLC (WI)

I am filing this complaint because my Early Warning Services ( EWS ) report is incomplete, leading to the denial of my recent checking account application at XXXX XXXX. My EWS file omits several accounts I actively hold with financial institutions, including XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. This absence of data inaccurately impacts my EWS deposit score, which currently stands at XXXX on a scale from XXXX to XXXX. 

The score factors reportedly include the number of recent inquiries and the number of different banks making inquiries over the past XXXX years. However, the factor regarding different banks is inaccurate due to the missing accounts, significantly impacting how XXXX XXXX evaluates my application. When I attempted to provide documentation directly to XXXX XXXX, they referred me back to EWS, which confirmed the missing data in my report. 

In response, I attempted to dispute this issue through EWS, but their standard dispute process is limited to correcting inaccurate or incorrect information already present in the file. My case involves missing informationaccounts that should be listed but are notleaving me without a way to address these gaps. This blocks my ability to receive an accurate score, effectively preventing me from accessing financial services based on complete and fair reporting. 

Additionally, Consumer Finance guidelines grant me the right to dispute incomplete or inaccurate information, which should be investigated and corrected within 30 days. I am requesting that EWS adhere to this correction timeline to address the issue fully, given its impact on my XXXX XXXX application. 

Note on Ownership Structure : Early Warning Services is co-owned by major financial institutions, including XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. This ownership structure raises concerns about potential conflicts of interest in the reporting process, as these banks directly benefit from a system they control. This structure may compromise EWSs ability to provide objective reporting, particularly when financial institutions rely solely on EWS without independent assessment. This interconnected ownership arrangement suggests a possible bias, as incomplete information can lead to consumer denials while benefiting the institutions involved.