davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I closed my bank acct with Citizens Bank on XX/XX/XXXX, 2019.. I have the message stating my acct is closed..An automated credit card payment for {$200.00} was put thru 2 months later from XXXX XXXX and I was charged all these fees for insufficient funds. It was put thru 3 times so 3 times I was charged. I now have approximately {$240.00} in fees between credit cd charging insufficient funds and bank charges. This acct should have been closed. I was already paying credit card from my new bank acct. when I stopped auto payments thru credit card it only stopped 1 payment and not all which was very confusing. I called credit card and they stated there was nothing they could do.
Consumer complaint received 2024-06-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EQUIFAX, INC. (CA)

XXXX - Set up a payment program XXXX - I worked XXXX years at a XXXX XXXX XXXX ( XXXX University  ) and currently work for one, I requested loan forgiveness for service and was approved. I heard nothing else from the company XXXX- Applied for XXXX for a permanent condition, spoke with the Dept of Education regarding change in status, have not received additional information
Consumer complaint received 2024-05-30
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. (RI)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these hard inquiries : inquire name : # XXXX XXXX XXXX inquiring date : XX/XX/year>, inquire name : # XXXX, inquiring date : XX/XX/year>, inquire name : # XXXX XXXX XXXX inquiring Date : XX/XX/year> Inquirie name : # XXXX XXXX XXXX, inquiring date : XX/XX/year> However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-29
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXXXXXX XXXX XXXX - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it XXXX take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a checking account at Capital One Bank with Internet access to that account. Currently I am traveling abroad ( in XXXX ), which I am doing frequently. As usual, on XX/XX/2019 I tried to access my bank account. But this time instead of being allowed access a new screen appeared ( a copy of it is attached ). That screen gives only two option how to access my account. Both of these options require that the bank sends a temporary access code by a text message to my cell number, which then I will use to complete the sign-in process to my online bank account. Because I do not have a cell phone, I called the given banks help phone number XXXX. There a bank representative insisted that I should be able to receive the temporary access code also by email as was done always in the past from abroad. After we together tried it, the bank representative also concluded that without receiving a temp code to a cell phone access to my account is not possible until I return back to my home address in USA. 

The Bank rep then called someone else at the COB bank and there they told him that the bank recently made a change which eliminated the use of email and caused that without a cell phone registered with the bank and one which is also capable to receive a code by a text message access to the online bank account is not possible and that I should return back to USA to resolve this problem. 

Well, it becomes apparent that COB bank recently implemented this requirement in a TOTAL secrecy without publishing a warning to their customers informing them of this added requirement. I searched the banks online User Agreement and absolutely nowhere online is there a requirement that a bank online customer must have a cell phone which is registered with the COB bank and that cell phone must be also capable of accepting abroad a text message with a temp access code. 

I will be abroad several months and this inability to access my bank account is causing a hardship, because I have to use my bank account in order to pay bills and to transfer funds. In the past the bank did send me the temp access code by email and this their recent secret change to allow access only by those people who have a cell phone capable of accepting abroad a text message, instead of email as past is totally wrong. As far as I know, all other US banks use email for such purposes. Why COB bank would implement such radical change in a TOTAL secrecy without informing customers and without publishing it defies explanation.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My identity was stolen in XX/XX/year> and my bank accounts were frozen. I could not make a payment for a month until the issue was resolved. All other creditors understood this and removed my late payment, but XXXX is not even after disputing for over XXXX years.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

According to USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Consumer complaint received 2024-05-29
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-08
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. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-20
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. (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 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-05-29
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. (AZ)

I hope this letter finds you well, When I pulled my credit report, I was shocked to find that there are numerous entries on my report that have not been validated or verified. I request the 3 Credit Bureaus to please correct the account from my credit report. Given that I'm in the process of buying a home for my family, this situation is causing significant harm. I kindly request the immediate correction of this account from my credit report : XXXX XXXXXXXX Balance Owed : {$10000.00}.
Consumer complaint received 2024-05-29
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-29
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. (AL)

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.
Consumer complaint received 2024-05-29
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. (IL)

On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2023-12-08
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section XXXX, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down XXXX XXXX together. My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility - so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. I have attached documentation pointing out the inaccuracies as well as identification verifying my identity.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the account.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have contacted the credit bureaus numerous of times to remove unknown personal information from my credit report. My name should read as the following on my credit report : XXXX XXXX XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. My mailing address is XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX AZ XXXX My phone number should be ( XXXX ) XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- this is a shopping mall My phone number has never been ( XXXX ) XXXX and I would like this number to be removed from my credit report. 
The number ( XXXX ) XXXX should also be removed from my credit report I no longer reside at XXXX XXXX XXXX XXXX, XXXX AZ XXXX and this address should be removed. 
There are inquiries on my credit report that are fraudulent and I requested the company to remove them and they're still there.
Consumer complaint received 2023-09-07
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX
Consumer complaint received 2024-07-12
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)

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-30
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. (WI)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX