davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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. (GA)

Transunion is reporting errors on my credit report I sent several letters to them even dispute online and they refuse to update my credit file nor did they provide me with results of there findings after I requested proof. 

The following discrepancies and potential FCRA violations were identified on my credit report : Account Information : XXXX XXXX Account Number XXXX XXXX XXXX Account Type Detail Discrepancy : TransUnion reports " Flexible spending credit card, '' while XXXX reports " Credit Card. '' Violation : This discrepancy directly violates a specific FCRA ( Section 623 ( a ) ( 1 ) ( A ) ) if it leads to confusion or misrepresentation of the account. 

Balance Exceeding Credit Limit : Balance : {$6400.00} Credit Limit : {$5400.00} Violation : This situation is inaccurate in reporting under ( Section 623 ( a ) ( 1 ) ( A ) ) if the balance is reported as exceeding the credit limit, which can negatively impact my creditworthiness. 

Payment Status Inconsistency : Both TransUnion and XXXX report " Collection/Charge off '' with a " Monthly Payment '' of {$0.00}. 
Violation : Reporting a monthly payment as {$0.00} while indicating a " Collection/Charge off '' status may be inconsistent and violates FCRA 's requirement for accurate and complete reporting ( Section 623 ( a ) ( 1 ) ( A ) ). There is no way you can have both of those statuses ; a Charge off is a sold account, and this debt does not belong to me. There should not be a reported balance. I do not own this account. 
Reporting Dates : Last Reported Date Discrepancy : TransUnion : Last Reported - XX/XX/XXXX XXXX : Last Reported - XX/XX/XXXX Violation : The discrepancy in last reported dates between the credit bureaus violates FCRA 's requirement for accurate and up-to-date reporting ( Section 623 ( a ) ( 1 ) ( D ) ). 
Date of Last Payment Discrepancy : Both credit bureaus report the " Date of Last Payment '' as XX/XX/XXXX. 
Violation : If this date is inaccurate, it violates FCRA 's requirement for accurate reporting ( Section 623 ( a ) ( 1 ) ( A ) ). 

I kindly request that TransUnion delete this record from my credit report and take appropriate actions to ensure compliance with the FCRA.

I requested that they provide me with a written response outlining the results of their investigation, any actions taken, and documentation to rectify the violations within 15 days.
Consumer complaint received 2024-07-12
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. (OH)

In Accordance with the fair credit reporting act XXXX XXXX XXXX without account number, has violated my rights. 

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

15 U.S.C 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a FRAUDULENT claim with Bank Of America in XXXX  Over a year ago. I was scammed out of $ XXXX. Because I never received a edd prepaid bank of america card before, so All transactions made were not me an I was sent a new card apparently, However I still never received an they sent a new one, But there were no funds on it. 

I've been calling an complaining on this same dispute ( claim # : XXXX ) for over XXXX YEAR, as well as sent proof of transactions IN DIFFERENT STATES WITHIN DAYS AN SOMETIMES HOURS OF EACHOTHER an I still havent been told of a final determination to the investigation NOR have I received any provisional credit or my money returned. Ive been evicted, Lost my cell phone due to non payment, Lost my car, Ect ..... I NEED MY MONEY. Bank Of America is in NO rush to resolve or credit me what is owed.

ALSO : I WAS WOLD COMPLAINTS WERE FILED BY BOA PREPAID CUSTOMER SUPPORT, BUT WHEN I CALLED THE NEXT DAY AN ASKED, THE NEXT EMPLOYEE SAID THEY WERE NOT IN THE NOTES ON MUTIPLE OCASSIONS. ( IVE ONLY BEEN ISSUED XXXX $ OF CREDIT ADJUSTMENT THUS FAR ) transactions XXXX ( Arizona, Texas, Florida, utah ) ALL PLACES I NEVER BEEN. file attached.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Bank of America, unilaterally took funds from a personal bank account to settle what they alleged was an outstanding debt on business loan. They had no permission to do so and no personal guarantee. They said they had such a guarantee but could not produce the proof of such and then said that they reserve the right to breach my personal funds regardless. None of which is true or lawful. I've tried for the last 3 years to get them to return the funds.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I am writing to formally dispute a hard inquiry on my credit report. I discovered this unauthorized inquiry while reviewing my credit report from XXXX, Experian, and XXXX on XX/XX/year>. The inquiry in question was made by [ Name of the Company that made the inquiry ] on [ Date of Inquiry ]. I did not authorize this inquiry, nor did I apply for any credit or services from this company.

I am concerned that this unauthorized inquiry may negatively impact my credit score and reflect inaccurately on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be inaccurate or incomplete.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hello, My name is XXXX XXXX XXXX. I am a Consumer that currently reside at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX . I am writing this complaint because I originally filed a complaint with XXXX through the CFPB 's website on XX/XX/XXXX, XXXX case number : XXXX, in which XXXX responded back on XX/XX/XXXX. This response was outside of 30 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. XXXX responded on XX/XX/XXXX, stating that this account was, " NOT REPORTING '' on XXXX XXXX XXXX, Consumer 's, XXXX credit report. However, it's still reporting. After speaking with an agent at XXXX, which was mentioned in the latter complaint filed with the XXXX on XX/XX/XXXX, case number : XXXX, in which XXXX opened the complaint on XX/XX/XXXX. As of XX/XX/XXXX, the time frame for XXXX to conduct a reasonable reinvestigation has expired once again, pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ). XXXX willfully continues to not comply with Federal and Consumer Protection Laws. THIS NEEDS TO BE INVESTIGATED IMMEDIATELY.
Consumer complaint received 2024-06-16
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. (GA)

I am part of the XXXX data breach and I do not recognize nor did i authorize these companies to make credit inquiries on my report, I tried to dispute them and they keep on saying that i have to get the company to remove them, They cant remove them
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
These items : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the items be removed from credit report.

Please reinvestigate these matter and delete items as soon as possible.
Consumer complaint received 2024-05-28
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Public Information : Bankruptcy # XXXX has violated my rights. I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account Number : XXXX Account Name : US DEPT OF EDXXXX I want to emphasize the gravity of this matter and my expectation XXXX XXXX XXXX and XXXX XXXX. XXXX to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that i will sod dumagos, inciuding but got limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U, S.C 1092k./ 1. Defamation of Charactor 2. Negligent Enhancement of Identity Fraud 3, Violation of the Fair Credit Reporting Aci 4. Violation under 15 U, S. Code $ 10810- XXXX XXXX XXXX XXXX  : XXXX XXXX, Violation under 15 US Code 168 in ( b ) - Civil liability for wiltral non comobiance 6. Failing to comply with 15 USC 3692 ( g ) 7, Violation under 15 U.S. Codo 1681b Permissible purposes of consumer soports 1. Under 15 U.S.C. 16811 ( 9 ) Method of venification 2. Violations undor 15 USC 168 ) a ( 4 ) right to privacy 10, Violations under 15 U, S. Code {$1600.00} - Requirements relating to intornation costained in consumer esports I am taking this matter very serioust, and 1 demand that you take amme the necessary information to facilitate this process. I kindly request th sove the frandulent accouet from my credit report. I have provided all provide a timeline for the resolution of this issue. 
Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I attempted to pay my XXXX XXXX credit card through comenity bank website as I do every month but was unable to log on. I tried multiple attempts to reset my password but kept being told there was no record of my account. I later learned after my account went into collections that a different bank now owns XXXX XXXX credit card. There is no notice of this anywhere on the comenity bank website it just said it could not locate my account.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report and noticed inaccurate inquiries. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. INQUIRIES : XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  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 XXXXXXXX, XXXX XXXXXXXX, are not accurate. Also, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2023-04-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I As a XXXX veteran an my mom a elderly widow spouse we have continuously being trying to get a loan modification completed with the Original servicer which is Owcen which resulted in lots of back and forth with their relationship managers after that it was referred to PHH Mortgage and entity under Ocwen a same situation always a late response and always outside of their timeline then it is in XXXX also an entity of Ocwen. All fully completed motivation packets have been submitted to all these servicers since a decade ago and they have the same games that they are doing over and over defaulting that no programs will work in the best interest. They continued to switch relationship managers so that it works best in their favor I would request that they get provide all the modifications submittals since they were HAMP and other programs available and mostly qualified for that they swept under the mat to cover up to not comply with the programs set into place to help homeowners that were struggling just so that they can benefit in the long run They were also reverse mortgages where the elderly can be assisted since there is equity in the home but none was offered. Again here we see the consumers being taken advantage of and in the end you put a XXXX veteran and a widow in the streets with no care in the world. I will also like this XXXXXXXX XXXX and XXXX XXXX notified as to the wrong doing and see what is there response. The loan has moved so much between these three companies no one has the original documents, would like to see all loan modification documents submitted to these companies.
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (CA)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX