davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

An application for a Capital One credit card was initiated on XX/XX/XXXX. I received a letter in the mail today, XX/XX/XXXX with the application ID number, requesting additional information from me ( photo ID ). I did not initiate this credit card application. I called Capital One to report this as fraudulent activity and Capital One indicated the application was started via their website ( not by me ). Capital One stopped this application and marked it as fraudulent on XX/XX/XXXX. I was instructed to notify credit bureau, which I did with XXXX.
Consumer complaint received 2024-07-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX someone deposited some checks into my bank via Mobile Deposits. As soon as I seen them I went to the Bank Branch and notify them. I was told there will be an investigation and will receive a call on what we will be going on. Two weeks went by I heard nothing, so I decided to go in person and was told the situation was still being investigated. Some weeks later I find out my account was closed and wasn't told anything about the investigation. I had lost XXXX paychecks as well because of this because I had just setup direct deposit with my job. I was told that my account was closed, the fraudulent activity was taking care of and that I was not held responsible. Fast forward to XX/XX/XXXX the bank took an substantial amount of money from my checking account as a recovery offset to the account that was closed because of the fraudulent activity. I have yet to get answers and call backs I was promised 5 times. I was a victim of a cyber hack through the bank 's mobile app of Truist and I shouldn't be held responsible for something I didn't do. The money they took was also not money and was for bills and help me get my life back on track. I am also a victim of a false arrest that cost me to lose my entire way of living ; my job, the ability to get a job, my car & that's currently another situation I'm dealing with. So I'm writing this complaint because the bank did not protect my information and as a customer I don't like I was protected as promised when opening the account and contemplating about doing future banking with them.
Consumer complaint received 2024-06-13
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. (IL)

Consumer reporting agencies were notified multiple times about inaccurate information and fraudulent accounts on reports and failed to follow procedures. As a result of this i was unable to attain housing or get approved for an apartment. As a XXXX American person living in a metropolitan city its very hard to find affordable & accessible housing suitable for all my needs.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested. 

They are trying to retaliate by not removing the incorrect XXXX accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus. 

In all 3 credit reports the XXXX  accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different. 

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. XXXX are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the XXXX accounts aren't removed they will suspend my contract. 

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from XXXX  showing retaliation.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted to contact all 3 credit bureaus in regards to the following accounts : The account associated with the name DOE XXXX and displayed account number XXXX and DOE XXXX XXXX XXXX and DOE XXXX - XXXXon my report lacks sufficient evidence to establish its accuracy, completeness, and compliance with certifiable reporting standards. It is crucial to acknowledge that XXXX ( Credit Reporting Agency ) has either suggested or explicitly stated that any deviation from the law or established industry standards renders a claim deficient, necessitating the removal of such claims from reporting until their lawful compliance with all reporting requirements is substantiated. This course of action shall be implemented regardless of any potential misapplication, willful ignorance, or reckless negligence on your part concerning your reporting practices and claims. Therefore, it is essential to take note of any deviations, including but not limited to the following issues, as valid grounds for the appropriate removal of the claim 's reportability.

also my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX of months reported are reporting incorrectly - Your actions are in violation of FCRA Laws and XXXX  Standards. I insist that you remove this erroneous information.

I was told that my information seemed ad fraud when I sent in 3 forms of iD, my Drivers License, W2 for proof of address and my social Security card
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES , LLC or XXXX XXXX  needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/XXXX, a credit inquiry from XXXX XXXX  appeared on all 3 of my credit reports from XXXX, XXXX, and TransUnion. I was able to contact XXXX, XXXX, and XXXX to stop the credit application and remove the credit inquiry from my report. TransUnion requires a written letter and FTC report to remove the fraudulent credit inquiry from XXXX on XX/XX/XXXX.
Consumer complaint received 2023-08-25
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One is charging additional interest on a balance that has been paid in full. I paid the balance in full XX/XX/2023 in the amount of {$6500.00}. They have now came up with and claim I still owe them {$18.00} additionally. I have requested from a supervisor of the customer service department to credited for what I suggested is just price gouging and theft from a bank that is overcharging to gouge the consumer. They have refused to credit this charge. I have since locked my card made it clear that I would not be using their services for any other business. They already charged me interest of {$130.00} which was paid in full when I paid the {$6500.00}. I would appreciate you requesting the {$18.00} x XXXX as a refund.
Consumer complaint received 2023-11-04
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Statewide Credit Services Corp. (CT)

Dear CFPB, I am writing to address several significant concerns related to the actions of a debt collection agency, Schwartz , Schwartz & Associates ( LIC. # XXXX ), and their handling of a debt purportedly owed to XXXX XXXX XXXX XXXX XXXX 

Failure to Verify Debt : I filed a dispute regarding the debt on XX/XX/, providing comprehensive details, including evidence of my dispute, and requesting the debt be verified. To date, I have not received any response or verification of the debt from the debt collection agency. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which provides me with the right to have the debt verified. I have attached a copy of my initial dispute letter and evidence for your reference. 

Continued Attempts to Collect Disputed Debt : Despite my dispute, and even after submitting the dispute to Schwartz , Schwartz & Associates, the agency has continued its attempts to collect the disputed debt. This is a blatant violation of the FDCPA. The debt remains in dispute, and I have clearly requested that all collection efforts cease until the dispute is properly addressed. 

Communication After Request to Cease : I sent a cease and desist letter to Schwartz , Schwartz & Associates, instructing them to cease all further communications. The letter was received on XX/XX/XXXX ( USPS Tracking number XXXX ) and proof of delivery attached. 
Unfortunately, the agency has ignored my request and continued to contact me regarding the disputed debt. This ongoing communication is not only in direct violation of the FDCPA but is also causing significant distress. 

I am deeply concerned about these violations of my rights as a consumer, as outlined in the FDCPA. I respectfully request that the CFPB investigate these violations and take appropriate actions against the debt collection agency, Schwartz , Schwartz & Associates, to ensure they comply with federal laws and cease their unlawful collection attempts. 

Enclosed, please find the supporting documentation related to my complaint, including copies of my dispute letter, the cease and desist letter, and any correspondence from the debt collection agency that demonstrates the violations I have described. 

I appreciate your prompt attention to this matter and your efforts to safeguard consumer rights. Please feel free to contact me if you require any further information or clarification regarding this complaint.
Consumer complaint received 2023-11-04
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: EQUIFAX, INC. (WA)

On XX/XX/XXXX, under the Fair Credit Reporting Act Section 609 I requested that Equifax provide me with information regarding items that was listed on my credit report from a company called XXXX XXXX XXXX. The information I requested was the source of the debt that was being reported on my credit. This request was received certified mail by Equifax on XXXX Equifax failed to provide me with the information that I requested within the 30-day period as prescribed by law. As of the present date ( XXXX  ) over a year later, I have not received the information that I requested. 
On XX/XX/XXXXXXXX I sent another request for Equifax to re-investigate this matter and to delete the disputed item with XXXX XXXX XXXX, as the company failed to send me validation of the debt, they had placed on my credit report. Equifax never responded, never reinvestigated, nor provided me proof/validation of the debt ; despite a year passing since my initial request. This letter was sent certified mail and received on XXXX 
On numerous occasions I have requested that Equifax to verify/investigate/delete this specific information on my credit report. Equifax has not complied, which is a violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I believe that Equifax is acting in bad faith as they have not complied with FCRA requirements.
Consumer complaint received 2024-06-15
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. (TX)

Despite this attempts now to have these inaccuracies corrected, the fraudulent items remain on my report, significantly impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been inaccurately listed on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they continue to adversely affect my credit history. This situation has caused me considerable stress, inconvenience, and potential financial harm. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX 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
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> and XX/XX/year> 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 21 days before the payment due date. 


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

I have requested proof that this information was mailed or delivered 21 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 2023-08-25
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. (OR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-04
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. (NV)

I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention a concerning issue I have been facing with XXXX XXXX XXXX  credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX  has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of XXXX to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXXXXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXXXXXX XXXX  and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a rental property and I not the company had been able to access my report. I have called numerous times and I have no credit file freezes or blocks on my account. I was told I would receive a call back and it would be resolved and havent received or heard from anyone. I am at risk of losing out on money I have spent for applying for this home and also losing the home in general because of this.