davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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)

This account was charged off on XX/XX/year>. Since that time this account has been updated as a charge off Multiple times. This is a update in payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly investigte this account and you neglect has violated my rights. I am demaning a deletion of the following account : XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-16
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. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) and XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXXXXXX XXXX  account number XXXX and XXXXXXXX XXXX account number XXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA.

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

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

*Please note that the bureaus did not reply to my dispute letter.
Consumer complaint received 2024-04-12
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. (IN)

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 2024-01-16
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. (VA)

I Have Been XXXX  in a XXXX Facility for 9 years and have had a family member commit fraud and stole my identity I have filed charges on her and I have proof stating I was not out to file any bankruptcys thats reporting on my credit please help me fix this problem and remove this information from my credit that was fraud and not me. Thanks
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card with CapitalOne for more than 10 years. 
About a month ago or so the card was closed by the bank without ANY prior notice for inactivity. As a result, my XXXX score dropped by almost XXXX points because it was one of the oldest credit lines on my record. 
Not sure about the period of inactivity the account was closed due to, but the company made no effort to notify me of the them potentially closing the account. 

I have contacted the bank. They said they were unable to reopen, forwarded me to a specific department where they manually submitted a request. It has been about 3-4 weeks since then with no response.
Consumer complaint received 2023-09-15
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit reporting act Comenity Bank/Ulta acct # XXXX has violated my rights on XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy.

15USC 1981 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-12
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX RE : Complaint against Penn Credit Corporation for violation of the Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, I am writing to file a complaint against [ Collection Agency Name ] for violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with their attempts to collect a debt from me. 

Specific Allegations : I have not received the validation information required by 12 CFR 1006.34 ( b ) ( 5 ), despite their attempts to collect the debt and place it on my credit report. 
I was not given an opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
The collection agency used false, misleading, and deceptive means to collect the debt, in violation of 15 U.S.C. 1681-52 ( 7 ) ( A ). 
They furnished the account to credit reporting agencies without providing the required disclosures, violating 12 CFR 1006.34 ( d ). 

Impact on You : These actions have caused me significant harm, including, damage to my credit score, emotional distress, financial hardship. 

Request for Action : I request that the CFPB investigate these allegations and take appropriate action against Penn Credit Corporation. This could include requiring them to provide the missing validation information, remove the account from my credit report, and cease further collection attempts until the dispute is resolved. 

Additional Information : I have attached copies of any relevant documentation, such as collection notices, credit reports, and communication with the collection agency. 

Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (CT)

I sent again a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$22000.00}
Consumer complaint received 2023-06-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been locked out of my banking application profile for about 3 week to a month now. They display an erroneous information on their website, saying that it will be resolved after 24 hours, however this does not happen. I have called the customer care line repeatedly with no luck ; they end up transferring me to many departments and units with no resolution in sight. As I write this I am on a call with them for over, and the duration is 1hour 9 minutes. Unending calls where I keep getting transferred to different departments and they keep asking the same questions. As a result of this lockout, I can not transfer funds, nor manage my credit card account.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Paid in full in XX/XX/XXXX, and Capital One has been reporting since that I have a high balance of {$490.00} on the card every month to XXXX and XXXX. This is not correct, and is lowering my credit score by almost one hundred points. They refuse to take any action via phone, leaving only the option to send a letter, which I have done as of XX/XX/XXXX.
Consumer complaint received 2024-02-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I tried contacting my loan provider, in doing so I find out my account has gone into collections. I try calling the collections company and have not been able to get in contact with anyone. I can not make a payment or re-apply for an income repayment plan. Please help at your earliest convenience. Thank you
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC (NY)

Account Solutions ( aka Credit Management ) has started calling my cell phone number again XXXX. I had my identity stolen and my credit frozen. I filed a CFPB complaint and thought it was resolved that they had agreed to stop calling me but the number they agreed to stop calling was our home phone number XXXX. So in effect they agreed to nothing as they are still calling my cellphone number. I got a call today at at XXXX XXXX to my cellphone identified as Account XXXX on my phone. I called the number back and the person answered " Credit Management. '' So how is this compliance when the company said they would remove my name and number as they could not find any debt that I owed and yet they are still calling me!
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

Hello, I opened a new account with Wells Fargo on XX/XX/XXXX because they had offered a {$300.00} Bonus for opening a new Starter Checking Account. I clicked through an advertisement that I saw online and was taken to the Wells Fargo Sign up page. The advertisement said that you needed to fund the account with a direct transfer within 90 days of opening in order for you to qualify for the {$300.00} Bonus. 

Initially on XX/XX/XXXX I funded the account with {$50.00} and then on XX/XX/XXXX ( approximately 60 days later ) I funded the account with an additional {$1000.00} transfer ( which was the condition that had been stated in the original ad ). 

On XX/XX/XXXX I was then charged a {$10.00} service fee - even though they had said that the fee would be waived if there was at least {$500.00} in the account. 

On top of this, the ad stated that after the initial 90 days they ( Wells Fargo ) would check to see if the conditions had been met and then within 30 days ( after the initial 90 days ) they would credit the {$300.00} into the account. 

I waited the 120 days and then contacted Wells Fargo around XX/XX/XXXX and was told that they have no way of knowing what bonus I was supposed to receive and that I should just keep waiting another 2-4 months and see if the bonus arrived. 

Now it is XX/XX/XXXX - over 6 months after I opened the new account with Wells Fargo and I still have not received the {$300.00} bonus even though the {$1000.00} has been sitting in this new account for the last 5-6 months. 

I don't know what else do do since the Wells Fargo customer support simply acts like they have no idea what I am really even talking about - even though these advertisements are ALL OVER the internet and still exist on the front page of their website today! 

Please help me get my bonus that I deserve and require these companies to have a dedicated team in place to help with this type of Bonus Inquiry since I assume this happens all the time to other people. 

Sincerely, XXXX
Consumer complaint received 2024-02-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC (AZ)

told won free unit. in person visit. signed up for loan etc by false statements and coersion. experienced computer hack/lockup/data breach shortly after providing this company with ALL my information ie : SSN Bank information did NOT want this item TOO expensive I am on social security and now face possible identity theft and take over of my social security account. Can not pay this and tried to call to cancel but when finally got to talk, said 'PAST time to cancel so can not '' stated " first payment due XX/XX/year>. 
All negotiation was on my cell phone, could NOT see document, then computer hack and data breach - computer locked down. 

unable to attach photo of XXXX  paperwork but included the loan number above.
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: Experian Information Solutions Inc. (NJ)

I am initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's credit report.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Onity Group Inc. (MA)

I had applied for a loan modification with PHH mortgage services a few months back. Denial of the modification application was sent with no reason for the denial. At a later date, a packet was sent with information about the property 's valuation with no other context. I reached out to PHP again to request additional steps, or other actions that could be taken, I received a letter stating that I should submit a new modification application in XXXX of 2024. I submitted the documentation and the application in XXXX, and I just received a letter stating that my new modification application will not be reviewed due to a prior application that was completed during the same delinquency cycle. The only reason I completed a new modification application is because PH instructed me to do so. As soon as they received the application and supplemental documentation, they immediately sent me a letter stating they would not review the package. I am actively trying to cure the debt. I have been sending in regular payments to ph H and they had been accepting them up until XXXX of 2024. This property is my primary residence, as well as a source of income as I have rental units, and I do not want to sell or lose this property. I have been actively trying to work with PHH to find a resolution to this problem such as a payment plan, a modification, or a balloon payment. I have received multiple phone calls from PHH that do not have any information about additional resolutions.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

I filed a claim with Wells fargo, my purse was stolen back in XXXX or XXXX cant recalled what day. My device and all my information was there. My pin # and password was writting down in a little piece of paper inside in my wallet.. The fruadster were succesfully log in to my online banking and change my password and withdraw XXXX Wells fargo closed my compromised account and reopen a new one, and now i was told that they will closed my account and denied the claim, because the DC and pin # were present.?? YES WAS STOLEN i told then listing to the call. my purse was stolen, rep told me yes we know but thats all i can share claim is final closed and denied.. No funds will giving..I dont understand why this is happenen. I dont care if they closed my account but i need my money back to pay bills..
Consumer complaint received 2024-04-12
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. (CA)

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 2024-04-12
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: Experian Information Solutions Inc. (IL)

Experian has 2 negative accounts reporting on my credit report that are not mine. A credit card with XXXX XXXX and a auto loan with XXXX XXXX. I have requested for them to remove both of this fraud related accounts from my credit report because they are related to fraud and do not belong to me.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-04-12
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. (FL)

I am writing to bring to your attention some concerning information on my credit report. Upon reviewing my recent credit report, I discovered several accounts that I did not authorize or open. These unauthorized accounts are negatively impacting my credit score and financial well-being. I request your assistance in investigating and resolving this matter promptly. 

Below are the details of the unauthorized accounts : XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX I declare that I did not apply for, authorize, or have any knowledge of the existence of these accounts. It appears that my identity may have been compromised, and fraudulent activity has occurred in my name. I have taken immediate steps to secure my personal information and have also filed a report with the FTC. 

I kindly request that you conduct a thorough investigation into these unauthorized accounts and remove them from my credit report as soon as possible in accordance with the FCRA guidelines.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (FL)

I opened an account with a {$450.00} promotion, fulfilled the requirements and havent recieved my promotion bonus within the stated time. Account opened XX/XX/year> ... .requirements met XX/XX/year> bonus was supposed to be paid within 10 days they confirmed in email but wasnt done.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

I checked my credit report and noticed a collections from XXXX XXXX XXXX for the amount of {$480.00} that I did not authorize. I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested