davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-05-27
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: Experian Information Solutions Inc. (GA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-27
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. (CA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

Discover Card Services closed my account due to inactivity. My inactivity was due to the covid-19 virus pandemic that has been up-ending the economic wealth of the US. My card was paid off in XXXX when I received the stimulus check from the federal government. Since then I have been collecting Unemployment and trying to stay afloat by not using credit cards as frequent or at all. Discover decided, without notice ( as outlined in their user agreement ) to close my account that was only inactive for 8 - 9 months due to the pandemic. 

The fun part of this, is that their card was the longest line of credit that I had. With them closing the account due to 'inactivity ' ( which they never disclosed a timeline of how inactive it has to be before it is up for review ) it is now going to destroy my credit score since I have only had this card for almost 7 years. My payments were always on time and I had the card paid off. Now my score will drop significantly and cause more financial stress and burden because of the pandemic. 

I called Discover to try and reopen my account, and with further arguments boiling all I was told was " You can reapply for a new account '' - to which I replied " no, that will hurt my credit, just like you all closing my account. '' The simple act of closing an account, that was not late or past due, during a pandemic ONLY hurts the consumer. My financial situation is going to be worse off because of this, and with student loans interest rates that I have to pay off - Discover is out here doing the the WORST thing for you. They do not care about you as a consumer. 

I write this to hopefully help people realize that Discover is the worst credit card company and will only hurt your credit score more than you realize. God forbid you're in the middle of a pandemic and trying to be financially smart so that you can eat/go to the doctor. 

Whoever is reading this, please help me. Help bring an end to such an evil company that is out there destroying the lives of good people in the middle of really rough time.
Consumer complaint received 2024-05-26
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. (CA)

XXXX XXXX XXXX Account XXXX. I just received a copy of my credit report and you are reporting this account incorrectly this collection account is reporting not OPEN, you got all that but shows a past due balance of {$950.00} according to the FCRA, I have the right to an accurate credit report please remove this account immediately for my credit report please provide me a copy of my new credit report reflecting this account upon completion
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting for XXXX, XXXX  and Transunion to add my contact number in the written section of my credit report located under the fraud alerts. This gives companies the opportunity to contact me to confirm my identity i anyone or myself applies for credit. Without this contact information banks and credits automatically deny any applications done by me. Also I want to be contacted in the future by any creditor if anyone tries to apply for anything in my name. I am requesting for the written security alert on my credit file to say Due to past fraudulent activity a security alert has been added to the consumers report/ file. In order to verify an application has been made by the consumer. Please contact the consumer first at ( phone number ) before considering.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I believe a credit card account with Comenity-Wayfair ( XXXX ) was opened in fraud. I have contacted XXXX and Comenity fraud dept. with no help in the matter. 

I did open an account with XXXX-Wayfair but not Comenity-Wayfair. 

Please help me solve this problem.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX writing to formally request the removal of certain accounts from my credit report due to inaccuracies and discrepancies. Under the Fair Credit Reporting Act ( FCRA ), it si mandatory for al XXXX XXXX XXXX ot report accurate and verified information. Thsi requirement includes ensuring that accounts are correctly reported and consistent XXXX al credit bureaus. 
Upon reviewing my recent credit report, I have identified that some accounts are not matching or are incorrectly reported when compared ot other credit bureaus. According ot the FCRA, if an account is not verified and consistently reported across al credit reporting agencies, ti should not remain on my credit report. 
XXXX that you immediately investigate and rectify these discrepancies. fI the accounts can not be verified as accurate and consistent across all credit reporting agencies, I demand their removal from my credit report. 
Please provide a written response within 30 days from the date of this letter confirming the actions taken or provide me with an explanation fi the accounts are to remain on my report. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-26
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. (CA)

I SENT A LETTER OUT ON XX/XX/year> to Experian, XXXX, XXXX however its been more days and the credit bureaus failed to send my investigation back according to the law 15 USC CODE 1681I ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2024-05-27
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. (OK)

I sent a letter to the three credit bureaus ( Experian, XXXX, XXXX ) disputing negative items found on my credit reports dated XX/XX/XXXX. I am currently awaiting an update from them within the XXXX period. However, given that it will take time, I am following up on this matter here. Below is the list of items I want to be removed from my three bureau credit reports, as stated in my letter : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, a formal dispute letter was sent to Experian requesting correction of the name listed on the credit report to the legal name, removal of all incorrect address listings, and updating to the current address. Supporting documentation like a birth certificate was provided. 
On XX/XX/2024, a notice of fault was sent stating Experian had failed to make the requested corrections despite the previous letter and documentation provided. Specific demands were made again to correct the name, remove incorrect addresses/phone numbers/business listings, and update to the current address. 
Experian sent a letter on XX/XX/2024 stating they received an unauthorized request regarding the credit information so no action was taken as a precaution, but the consumer can dispute inaccuracies directly. 
On XX/XX/2024, a notice of default was issued giving Experian a 10-day period to update the name, delete all previous addresses except the current one, remove certain inaccurate phone numbers and business listings. Additional documentation like utility bills and IDs were enclosed. 
Another letter from Experian dated XX/XX/2024 again stated they received an unauthorized request so took no action, advising to dispute inaccuracies directly.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-27
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: Experian Information Solutions Inc. (TX)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXXXXXX
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MN)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, CBNA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, 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. (GA)

I believe my information was sold. I applied for a mortgage with my XXXX XXXX XXXX XXXX on the XX/XX/XXXX. Approximately 1hr after. I started getting flooded with emails, texts, phone calls, then eventually, paper mail. It's still going on over 2 months later. During underwriting, XXXX XXXX provided me a copy of my 3 bureau credit report and asked me to explain the inquiries. Since my application with XXXX XXXX on XX/XX/XXXX, there were at least 12-15 inquiries on my report on all XXXX bureaus. I applied at XXXX XXXX on XX/XX/XXXX. That's it. All inquiries afterwards, are fraudulent. I contacted all 3 bureaus, I was told to file a police report. Also their is a inquiry with XXXX on XX/XX/XXXX I did not authorize. I spoke with XXXX, they said they will have it removed. It's still there.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent XXXX a letter on XX/XX/year> with certified mail, to provide information on how they went about verifying the various reports on my account, which I got no response. I have two fraudulent reports on my credit report which was done by XXXX XXXX XXXX, I called XXXX XXXX XXXX and ask them about the fraud reporting and they said they don't why it got reported on my credit file because they could not verify it. I expressed this fraudulent activity to XXXX and they have done nothing. I have written to XXXX asking them not to give out my private information, and on XX/XX/year> after that, a XXXX called " XXXX  '' called me stating that they got my information from XXXX, which I told XXXX specifically not to do. 
I have written multiple letters asking XXXX to update my information and to correct all the discrepancies on my report but to no avail. I have tried multiple times to call but there is no one to speak with at XXXX, you only get an automated system. XXXX has tarnished my character and has done damage to my quality of life, which is cause for litigation.
Consumer complaint received 2024-07-01
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. (MI)

Ive noticed some unauthorized hard inquires on my credit report that should not be there and I would like to request to have them immediately removed as they are negatively affecting my credit scores and financial opportunities which is a violation of my rights.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rocket Mortgage, LLC (PA)

I am a XXXX XXXX XXXX XXXX, protected under the SCRA act. I am utilizing a mortgage forbearance program which protects me from foreclosure and adverse impact to my credit ( while payments are in forbearance status ) during the XXXX duration. Between XXXX XX/XX/2024, Rocket Mortgage provided an erroneous remark ( payments deferred ) reporting to the credit bureaus and then rescinded this remark during the same exact time frame ; replacing the erroneous remark with the correct remark ( XXXX XXXX XXXX ). This remark reporting error caused my credit to drop nearly XXXX points between all credit bureaus. I have been attempting to resolve this with Rocket Mortgage and the credit bureaus for XXXX months, with no resolution. I filed a dispute through the credit bureaus ; the outcome came back with confirmed data and no changes. I elevated the complaint through the supervisory channels at Rocket Mortgage. The supervisors stated that they are now reporting accurately and the best way to correct the credit impact would be to come out of forbearance and resume monthly mortgage payments ( email paper trail available upon request ). This answer is unacceptable, given the erroneous reporting they made created the adverse ( and illegal ) impact. Rocket Mortgage has been reporting the correct remark ( XXXX XXXX XXXX XXXX since XXXX XXXX and my credit still has not improved. 
The escalated tier supervisory channels at Rocket Mortgage are unwilling to further explore resolutions on this matter, which is why I am filing this formal complaint through the CFPB, hoping for support. I understand the credit score algorithms are very nuanced and this problem-set poses the need for technical assistance to isolate the root-cause issue. Screenshots from XXXX XXXX attached for reference. Thank you CFPB Team.
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: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The bank associate closed the wrong account in XX/XX/2019. The same day the associate informed us that the account reopen request was put in the same day this occured and that to wait for the account to be turned back on. This did not occur. The bank now says they cant put everything bank to the way it was. Isn't this fraud? I did not request for this account to be closed.
Consumer complaint received 2024-05-26
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2024-05-27
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>