davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, TOYOTA FINANCIAL SERVICES, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NY)

Trying to get a refund for the purchases made on my card as my card was never in my possession and they are telling me because Ive looked at my app before calling for fraud is why they wont refund me but Ive expressed to them my access to the app hasnt worked so it wasnt possible for me to be looking at the app, Ive noticed the charges by the statement in mail, charges are XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I want these student loan accounts removed under law that pass the statue date of 7 years which is illegal and by law under the Family Educational Right and Privacy Act of 1974 these should not be reporting on my reports. My other loans has been removed due to these laws and theses need removed as well. I will also seek damages as this has caused stress on me. The other law is the schools these loans came from has been closed and their accreditation has been revoked so that's another penalty that I ' am seeking damages for.
Consumer complaint received 2024-06-21
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. (DE)

Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and dissatisfaction with Experian 's unacceptable delay in responding to my recent dispute regarding fraudulent credit reporting by XXXX XXXX. The evidence I have provided overwhelmingly proves that XXXX XXXX is committing fraud through unfair reporting practices. Despite this clear and indisputable evidence, Experian has failed to resolve my dispute promptly, causing me significant harm each day this erroneous account remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting, and Experian 's prolonged review process is a blatant violation of my rights. The adverse effects of this fraudulent account on my credit report are profound, impacting my ability to secure loans, obtain housing, and even affecting my employment prospects. This is fraud at the highest level, and the unnecessary delay in rectifying this matter is exacerbating the damage to my financial standing and overall well-being. 

I demand immediate action from Experian to resolve this dispute. It is evident that XXXX XXXX is engaging in fraudulent activities, and there is no need for an extended review period to come to this conclusion. The delay in correcting this misinformation is causing undue stress and financial hardship, and it is imperative that this matter is addressed with the urgency it warrants. 

As the Consumer Financial Protection Bureau, it is your duty to ensure that credit reporting agencies adhere to the principles of the FCRA and protect consumers from fraudulent and unfair practices. I urge you to intervene and compel Experian to expedite the resolution of my dispute with XXXX XXXX. I can not afford to wait any longer while my creditworthiness continues to be unjustly tarnished. 

Please acknowledge receipt of this letter and inform me of the actions you will take to address this matter promptly. I expect a swift resolution to this dispute, and I am prepared to escalate this issue further if necessary to ensure my rights are upheld. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-01-03
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. (OR)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-07-09
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. (NY)

please delete the following accounts and inquires this is all incorrect I been disputing this accounts since last month but still showing on my credit report i want to delete it now. I'm so stress. 
XXXX  Account Number : XXXX {$14000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (GA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Consumer complaint received 2024-05-23
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. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

On XX/XX/XXXX, I opened a XXXX bump-rate certificate account with an advertised 5.1 % APY and an initial deposit of {$25000.00}. On XX/XX/XXXX, I had the rate " bumped '' to the new advertised 5.15 % APY. On XX/XX/XXXX, the account reached term and closed, and I was credited with {$1200.00} in interest, which is only an effective APY of 5.03 %. ( The expected APY, taking into account the bump, should have been about 5.11 %. ) Upon discussing with the company, they told me I selected an annual compounding frequency resulting in the discrepancy. This was not my intention and I acted according to their wording at account opening. At account opening, I was asked to select a " Dividend payment account '' ( the options for which included an external account ) and " Dividend payment frequency '' for which I selected " at maturity. '' My understanding given these options and the wording which included the term " payment '' was that a more frequent schedule would remove ( " pay '' ) funds FROM the account ( especially given the option of an external account ) and thus make them ineligible to earn interest. Hence, I selected " at maturity '' assuming this would result in monthly compounding. 

Furthermore, the Rate & Fee Schedule states the following, which support my argument : " The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. '' ( The funds did remain on deposit until maturity. ) " Dividends for all accounts will be compounded and credited monthly. '' ( This directly contradicts what happened. ) I spoke to the company about this approximately 30 days ago and was promised a follow-up, which I never received. I spoke with them again today, XX/XX/XXXX, and was told there was nothing they could do since I am the one who made the selections. I feel as though I have been defrauded by the poor wording ( they could have easily instead used the clearer term " compounding frequency '' ) as well as the contradictions to their own terms.
Consumer complaint received 2018-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Called creditor they agreed to remove this account from my profile, It has been 60 days and they have not done so CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Potentially Negative Account Name CAPITAL ONE Account # XXXX Account Type Banks and S & Ls Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$0.00} Payment Status 90 days past due High Balance {$950.00} Limit {$750.00} Terms Comments XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-09-18
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. (AL)

Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction.

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation.

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented.

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A.

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.
Consumer complaint received 2024-05-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (GA)

I recently finished my first year in college with the help of a XXXX  Grant provided to me by MOHELA. After my first year I changed my major meaning I needed to now pay back this money. I started on their official website where all it could tell me was that I needed to call their number to resolve the issue and they " could not tell me any specifics of my account due to it's status ''. So I called the numbers they provided to me only to be run around by an automated device. When I was finally connected with a person he did not ask if we needed help simply spoke at us telling us we needed to call a different number and follow these steps. We did exactly as we were told and the automated device could not find my account for some reason. We were then connected and told we needed to wait for someone to connect on the line with us when we were suddenly disconnected. Im not sure what to do about this as because of this confusion every day I am collecting more and more interest on my grant that I will have to pay back because they are not able to help me.
Consumer complaint received 2024-05-23
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)

Unauthorized inquiries on my credit report listed below : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX  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 2024-06-11
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: LEXISNEXIS (NJ)

I submitted my dispute on XX/XX/year> you can see the date in the email confirmations and i called lexisnexis on XX/XX/year> and the representative said my dispute was not resolved yet ( this is 30 days later ) and i didnt get a response to my dispute until XX/XX/year>
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a note on my report that I am a victim of identity theft and yet I receive several collection calls and letters from agencies threatening to pursue legal action for accounts appearing on my report that should not be there.
Consumer complaint received 2023-09-18
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MI)

I have cancelled autopay and deleted all banking information from Aspire credit card. However Aspire refuses to stop initiating unauthorized transactions against the said banking account. I have contacted the company on 4 different occasions ( twice by chat support and twice by phone ) and each time I was assured that no more autopayments would be tried to be pulled from my bank account. Although they assure me this won't happen again, it continues to happen. Please help me stop this unlawful practice.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

about XXXX weeks ago I called repeatedly to request to modify my information, my name, address, phone number and work information is totally incorrect, they claim that it can not be modified because someone reported them, the reality is that I only have one address, one name, phone number and employment.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

XXXX XXXX i woke up to a email from chime stating my account had temporarily hold on my account at XXXX. I then open my chime app and discovered the amount of XXXX on my account and the money from my savings in the amount of XXXX had been transferred to my checking account and 51 unauthorized transactions from XXXX XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) starting at XXXX XXXX. I proceeded to contact chime banking the started an investigation to dispute all 51 transactions I was told to email anything to help my claims I emailed my drivers license, XXXX XXXX XXXX statement and work time sheet. A few days later I received a email saying my claim was denied. I called chime again I spoke with a supervisor and explained to her its no way I couldve sent those transactions and I explained to her my car was in reposition and bills are due Im a single parent and that was all the money I had saved because my work hours got cut .she reopen the case and denied it again the next day.