davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Subject : Dispute of Duplicate Account Information on Credit Report Experian, this account is also in the COLLECTION. On XX/XX/year>, I obtained the result of my reinvestigation inquiry of XX/XX/year>, for the account XXXX XXXX You failed to reinvestigate this account properly, on XX/XX/year>, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. 
I have enclosed copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/year>. 
Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the account duplication and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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. 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 2023-08-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments.

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship.

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2020, I went onto the Transunion website to dispute an incorrect line item on my credit file. They require an account to be created in order to be able to dispute. I then created the account and was prompted to enter my credit card to " confirm my identity ''. I then noticed a charge of {$26.00}. I absolutely did NOT approve this, nor was I even provided the chance to opt out to select another option. These funds were taken out under false pretenses. To make matters worse, it is almost impossible to find contact information. And the FAQ offers no solution to this either. I am attaching screen shots of this.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Last summer ( early XX/XX/2023 ), in exchange for my freedom I helped create accounts and provided my personal information ( SSN, state ID, and even passwords ) to XXXX XXXX  and scammers. I got involved with XXXX XXXX around XX/XX/2023 to XX/XX/2023 then on XX/XX/2023 or XX/XX/2023 they met up with a man who told us he could wire money from an account he had using my information. I don't know what possessed me, but I helped him make accounts under XXXX XXXX, XXXX XXXX XXXX, Capital One, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I was too scared to reclaim my stolen identity and until now finally feel able to take back what is rightfully mine. I am unsure of what transactions were brought under the many accounts I was forced into creating, many of which were made after I could leave that awful situation. I was threatened not to warn the police. I do remember that I only had a XXXX XXXX XXXX account before all that occurred and that it was frozen indefinitely because the scammer made me deposit fraudulent checks of varying amounts via the mobile app.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Subject : Complaint Regarding Inclusion of Income Information on Credit Report I am writing to file a formal complaint against Experian for including income information on my credit report, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed is documentation of my previous inquiries request for Investigation and reinvestigation for the XXXX XXXX Account Number XXXX it has been updated the pay status as charged-off / written off which is considered income. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge-off is Income.

Upon reviewing my credit report I got from Experian today XX/XX/2024, I noticed that income information has been reported. According to the FCRA, specifically 15 U.S. Code 1681b ( b ), consumer reporting agencies are restricted in the type of information they can include on a credit report. The Act does not permit the inclusion of income information as part of a consumer 's credit file. The presence of this information on my credit report is therefore in violation of federal law.

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the inclusion of income and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX Account Number XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Subject : Dispute of Duplicate Account Information on Credit Report Equifax, this account is also in the COLLECTION. On XX/XX/year>, I obtained an Equifax credit report, which shows the account XXXX  with account # XXXX  XXXX, also on XX/XX/year>, this account was posted on my consumer report as collection from another institution. This inaccurate information is falsely manipulated. You failed to reinvestigate this account properly and your neglect has violated my rights. 
Enclosed are copies of relevant documents to support my claim, including statements from both institutions and my identification documents on this CFPB complaint of today XX/XX/year>. 


Enclosed are copies of relevant documents to support my complaint, including a copy of the Equifax credit report of XX/XX/year> showing the account duplication and my identification documents. 


I am demanding a deletion of the following account : XXXX with account # XXXX  XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc (MO)

PlusFour has Damaged Credit On ERRONEOUS Information. 
I've NEVER RESISED OR VISITED STATE OF NEVADA. I'm In XXXX XXXX. 
Even XXXX XXXX XXXX Have VERIFIED AND CLEARED MY NAME From NEVADA ERRONEOUS Info.i DEMAND PLUS FOUR DO THE SAME. I've XXXX RESIDENCE HISTORY In Nevada EVER
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C. (IL)

I'm being sued by a 3rd party debt collector over an account that is old from XXXX over the statue of limitations which is 5 year 's in Illinois. They have been harassing me and embarrassed me with deception and unfair improperly by contacting my building manager for information which against Illinois protective acts. 
As a senior XXXX XXXX XXXX woman they unfairly filed a lawsuit against me without talking with me and this lawsuit is affecting my health and well being as a senior and this firm is deceptive and unfounded. This firm is violating the Illinois laws passed ACT ( ICFDBPA ) and ACT ( ICAA ) and the amount they want is fraudalant without documentation
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANCO POPULAR DE PUERTO RICO (IL)

XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

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 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (TX)

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 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 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On Thursday, XX/XX/2023 I tried to link my new debit card to my XXXX cellular account and was advised by XXXX the issue occurs from the bank 's end as it is all set from our end but the bank 's server is not permitting us to make any changes. When I contacted Wells Fargo, they advised me that my debit card had been reported as " lost '' and a replacement card was being mailed out to a new address. At that time, I advised Wells Fargo that I did not report my card as " lost '' and I did not provide them with a change of address because I've been at the same address for 9 years. The bank then wanted to verify my home address, and told me that the change of address was different from my primary home address. When I asked Wells Fargo ( Fraud Department ) representative what address were they showing on my account, they stated that they were not at liberty to give me that information. I eventually went back into my Wells Fargo account online and checked the 'Alert History ' and saw that my account was showing a XXXX , New York address as my new address. I've never lived in XXXX, New York, I live in XXXX, GA. Wells Fargo eventually cancelled the new debit card going to the XXXX , New York address, but were unable to tell me how this happened. 

In addition, I received a text from Wells Fargo on XX/XX/2023 that a New XXXX recipient XXXX was added to my account. I do not know anyone by the name XXXX and I immediately went into my account to remove him from XXXX. 

I am writing the CFPB to file a complaint and to also request an investigation, as to how this could possibly have happened. The thought that a new card was being issued with my name, and being sent to a new address disturbs me, because had I not contacted Wells Fargo in time, once the new card arrived at this scammers address, they could have wiped out my entire account ( s ). Any assistance that you can provide would be greatly appreciated.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2023-12-04
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (NJ)

On or about XX/XX/XXXX, I called Navy Federal to advise them I was laid off from my school counseling job, and was seeking payment assistance for my car loan. The woman stated I would not be eligible for a deferment until XX/XX/XXXX, but she would transfer me to their personal finance department to see what assistance they might be able to provide. The representative walked me through 20 minutes of questions only to tell me that they couldn't help me since I didn't have any income. They told me to call back once I had some sort of income. I called back on Monday XX/XX/XXXX to let them know I was offered part time work and had received my first week 's pay. They then said they couldn't help until XX/XX/XXXX, I explained I would be back to fulltime work by then. I called back again today, and asked why the woman on XX/XX/XXXX said I would be able to get a deferment in XXXX and now they are saying XXXX. She said since I got one a year ago I would not qualify for another deferment. I asked to speak to a Supervisor and she stated A supervisor wouldn't be able to help me more than she could. She put the call on hold and disconnected the line and never call backed.