davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (CO)

I disputed this on my account multiple times on my credit report, and it still shows the account " Account Not XXXX '' which is a violation of the law. 

XXXX - XXXX please provide proof I was late on this account by sending over bank statements from the data furnisher or else I was never late. Send over everything, NOT JUST THE BILLING STATEMENTS. One relevant case that addresses the obligations of CRAs is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, where the court held that simply sending billing statements does not suffice as proper verification of a late payment. And tell me the method of investigation you used : 1. Who did you speak to? 2. What was the method used to verify this account? 3. What is the name of the person and what time did you speak to them? 4. Was a XXXX form used or was this through electronic automatic dispute verification? You have 15 days to respond
Consumer complaint received 2024-10-08
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 2024-10-08
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. (GA)

Second Round Complaint I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX  # XXXX XXXX XXXX  # XXXX opened XXXX XXXX XXXX # XXXX : They stated Im paying under partial agreement .Which is false .No documents or signatures. 
XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX. This account was paid off XXXX XXXX # XXXX XXXX XXXX  # XXXX opened XXXX XXXX XXXX # XXXX They stated Im paying under partial agreement. Which is false. No documents or signatures. 
XXXX XXXX XXXX # XXXX Inquires : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Transunion : XXXX XXXX XXXX # XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX. XXXX GaXXXX XXXX XXXX XXXX. XXXX Ga XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

Citibank allowed an 18-year old check to clear. I have no recollection of the check, but it was from 18 years ago. I do recognize the person it was made out to, and it looks like one I could have written. it is for {$400.00}. I contacted Citibank at the XXXX, CT branch on XX/XX/XXXX to find out why they allowed such an old check to clear as I thought they didn't do that after 120 days. The person at the branch asked if I recalled the check, and I did not but who does after 18 years? He called into a Citibank helpdesk who said since I couldn't recall a check from 18 years ago it is fraud. Then they said they were going to freeze my checking account. I said I didn't not know if the check was fraudulent since I recognize the person and it was 18 years ago, and I said do NOT freeze my account as it is likely not fraud, and that my question is different- why Citibank cleared an XXXX XXXX XXXX check in the first place. Long story short, I found out the following week when a legitimate check bounced that they did freeze my accounts, no warning. It has been a nightmare since. I called Citibank on XX/XX/XXXX and they said they froze my account and only if I would state it isn't a fraudulent check would they unfreeze the account. Basically I'm being held hostage. They refuse to address they allowed an 18 year old check to clear, and they refuse to recognize it's not reasonable to ask someone if a check from 18 years ago is or isn't fraudulent. Then they said the only remedy is to open new accounts and for my wife and I to set aside 1 1/2 hours to do so. In the meantime the check has cleared my account so the money is now gone, and Citibank opened an 'investigation ' which just confirmed they allowed the check to clear. Absolutely furious that a simple question has resulted in creating so much chaos and already sucked up over 1/2 a day at the branch and on the phone with Citibank, and still no resolution! And my money is frozen without any way to access it!
Consumer complaint received 2024-10-25
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. (GA)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-25
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. (FL)

I am writing to dispute inaccuracies related to the balance and payments on my account number XXXX, under the account name XXXXXXXX XXXX 
The reported information does not match the actual transactions and contains significant errors. Under 15 U.S.C. 1681e ( b ), credit reports are required to be completely accurate, which is not the case here. 
The previous review was not properly conducted and inaccuracies remain ( Report # XXXX. Dated XX/XX/year>, and CFPB Complaint # XXXX ).
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA (VA)

My credit report and score have derogatory negative information that has to be removed before I can apply for a job, car loan, home loan, apartment or credit card. 
This negative information and accounts need to be removed from all credit bureaus, XXXX, XXXX and XXXX. Remove following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 only have the last for numbers of each credit card number, if needed will be furnished upon request. The cards were destroyed after paying off balance.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Viola

tions According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA. Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. Evidence of Errors in Payment Reporting For the  account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Experian : The account inaccurately reflects XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, despite timely payments being made. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, Experian, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for XXXX Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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: PENTAGON FEDERAL CREDIT UNION (VA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-08
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. (OH)

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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : NEW XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-10-10
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$7500.00}
Consumer complaint received 2024-10-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SOFI TECHNOLOGIES, INC. (UT)

XXXX XXXX XXXX and their representative XXXX XXXX have failed to provide proof that the debt is mine. They also failed to respond to my request of information to verify the debt. XXXX has repeatedly called my workplace even after I requested that he do not contact my workplace. He has also repeatedly, sometimes four times in one day, called my cell phone despite being instructed to not contact me until after the verification documents have been sent and received. On the phone, he has used abusive language and forceful demeanor attempting to collect this alleged debt.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OH)

This is an ongoing saga with my CHASE SAPPHIRE Card which was STOLEN FROM. My attorney told me to not pay on this while the police are investigating. I already submitted a police report to Chase. Chase refuses to freeze the card or stop the interest payments and I have hence been paying over {$1000.00} per month for over 1 year. This is unethical and has to STOP. I have been a Chase Customer since I was XXXX XXXX XXXX and have owned this Sapphire card for over a decade. Something needs to be done about this. I have asked them over and over again with ZERO resolve. tHey just sit that and watch that XXXX plus dollar amount in that basically just covers interest. It is obscene.
Consumer complaint received 2024-10-26
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)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met.

New Evidence of Error Experian : The account incorrectly reflects a XXXX late payment in XX/XX/2024 and a 60-day late payment in XX/XX/2024, despite timely payments being made. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, Experian, and XXXX shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-25
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. (GA)

Time and again I have approached EXPERIAN about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account WORLD ACCEPTANCE/WORLD FINANCE REPORTED SIX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF 81 MONTHS EXPERIAN, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXXXXXX XXXX XXXX XXXXXXXX XXXX  monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of my credit report.
Consumer complaint received 2024-10-25
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. (CA)

" 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 2020-08-16
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020, i filed a complaint with CFPB regarding Transunion getting free reports online or accessing report online.That complaint number is XXXX.Transunion responded with CFPB on XX/XX/2020.On XX/XX/2020 vial mail, I recieved a transunion credit report including credit score.After reading the report, I did see a trade line i wanted to dispute via online with transunion ( XXXX : XXXX ) .I tried to dispute online but recieved message that " online dispute is not available at this time '' .I have recieved this message many times in the past.Also, I still cant log on to see my report as well.I have called transunion to fix this issue and filed complaints many times.Nothing works to resolve this issue.Please fix this issue