davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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 am writing to follow up on the ongoing issue concerning the late open accounts incorrectly listed on my credit report. This marks the multiple attempt to rectify this matter, which continues to significantly impact my creditworthiness and financial stability. Since I have provided all necessary documentation and followed all procedures to dispute the inaccuracies. Despite assurances from XXXX Credit Bureuas that the matter would be resolved, the late open accoun ( XXXX remain incorrectly reported as late but open on my credit file. The persistence of these errors is unacceptable and reflects poorly on your organization 's commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. 

Please help me consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. If this issue got failed, I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. Please help me correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against Credit Bureaus for Inaccurate Reporting and Failure to Correct Disputed Information Accounts : XXXX XXXXXXXX XXXX XXXXXXXX. 

Dear CFPB, I am writing to formally file a complaint against the major credit bureausfor their failure to correct inaccurate information on my credit report despite multiple disputes. 

I have disputed both XXXX XXXX accounts at least XXXX times with the credit bureau due to inaccuracies in the reported account status, dates, and payment history. Despite providing ample evidence and following the dispute process as outlined in the Fair Credit Reporting Act ( FCRA ), these inaccuracies remain uncorrected. 

Specifically : The account status is inaccurately reported. 
The dates associated with the accounts are incorrect. 
The payment history is not accurate. 

Furthermore, I have noticed that each credit bureau reports these accounts differently, with one credit bureau not reporting the account at all. This inconsistency is causing significant harm to my credit profile and financial standing. 

Violations of the Fair Credit Reporting Act ( FCRA ) The following sections of the FCRA are relevant to my complaint : Section 611 ( 15 U.S.C. 1681i ) - This section outlines the responsibilities of credit reporting agencies to investigate disputed information. The credit bureaus are required to investigate disputes within 30 days of receipt and correct any inaccuracies. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - This section mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Request for Permanent Removal Given the repeated failure of the credit bureaus to correct the inaccuracies associated with these Capital One accounts, I am requesting the permanent removal of these XXXX accounts from my credit report. The continuous inaccuracies and the inconsistent reporting among the credit bureaus are clear violations of the FCRA and have adversely affected my creditworthiness.
Consumer complaint received 2024-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my XXXX XXXX and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. 

Please Advise, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX. 

XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank. 

XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my XXXX XXXX has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees. 

I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by XXXX XXXX XXXX 

They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.
Consumer complaint received 2024-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-09
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)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed written instructions. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things, please delete these accounts from my credit report. Thank you.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXXAccount # : XXXX XXXX Account # XXXX VIOLATESMY RIGTHTOPRIVACY..15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 2024-06-09
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. (FL)

Found unauthorized inquires on my credit reports. please delete ASAP. 

Unauthorized Inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FROM ALL 3 MAJOR CREDIT BUREAUS ASAP!!!!!!!!!!!!!!!
Consumer complaint received 2024-06-09
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. (AZ)

I recently did an investigation on my credit report. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Transunion didn't ensure these accounts were reporting 100 % correct. Transunion has continued to show no regard for and disrespect for the law. In accordance with the Fair Credit Reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual of whom the information relates ; and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Transunion stated that the accounts listed below were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 
( XXXX XXXX XXXX ) This is not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Re : Previous CFPB complaint not investigated XXXX There is multiple instances of fraud throughout this finance contract. I have made multiple complaints for the issues that never have been addressed. I have yet to receive results of the investigation into the insurance fraud and late payment statuses being reported by multiple companies that furnish information for this account. This company is reporting under the alias of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each time I request an investigation into an issue with one company they change their name and never update the original creditor on my reports. I am demanding that this account be removed immediately for the multiple violations of inaccuracy on my reports. I am demanding that they cease and desist with their collection actions until this issue is resolved. According to the CFPB they are to remove this fraudulent account from my report.
Consumer complaint received 2024-06-10
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurately Reported Charged Off Account Dear Dispute Department, I am writing to request the removal of a derogatory and inaccurately reported charged-off account from my credit report, as maintained by TransUnion. The account, associated with a personal loan company, has been reported under the account number XXXX. This account reporting includes details that I believe violate Title I of the Consumer Credit Protection Act, specifically under 15 U.S. Code 1601, which demands accuracy and transparency in credit transactions and reporting. 

Here are the particulars of the account : Account Number : XXXX High Balance : {$430.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Account information disputed by consumer, meets FCRA requirements Last Payment : XX/XX/XXXX Past Due Amount : {$420.00} Account Type : Unsecured loan Term Length : 7 Months Payment Frequency : Monthly Given the serious discrepancies and potential violations of the Truth in Lending Act 's mandates for accurate and fair credit reporting, I am requesting an immediate investigation into this account. Should this account have been inaccurately reported, or if the creditor can not substantiate their claims with sufficient evidence, I insist on the full removal of this entry from my credit report. 

Please complete this investigation within the statutory timeframe of 30 days as required by the Fair Credit Reporting Act and notify me of the results. If this investigation results in the removal of the disputed information, I would appreciate confirmation of these changes and a revised copy of my credit report. 

Should you find this dispute to be XXXX, please provide detailed documentation, including any relevant evidence, to support this conclusion. Enclosed are copies of documents supporting my position. 

Thank you for your immediate attention to this matter. I look forward to your prompt and detailed response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (NE)

On XX/XX/2023 I made a purchase through the Afterpay app for an item from XXXX for XXXX USD. I returned the item in store on XX/XX/XXXX following the return instructions provided. I have not received a refund for the item nor do I have possession of the item. Afterpay is still charging me installment plan of 4 payments of XXXX USD. I contacted XXXX, the manager stated the refund was successful to the original form of payment. Then I contacted Afterpay who redirected me back to the merchant. I emailed the Afterpay representative the receipt with proof of return the manager provided me and they are no longer responding.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Consumer complaint received 2023-10-27
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)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (IL)

I called my finance company to ask about deferment/ extension for My loan for the month of XXXX. They approved me for the deferment. I made the payment amount they told me by the date they told me but they still reported it late to the credit bureau.