davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I noticed on my XXXX credit report that there was a hard inquiry from THD/CBNA ( The Home Depot ) on XX/XX/XXXX. I never tried to open a credit card account with The Home Depot on XX/XX/XXXX. On XX/XX/XXXX, I called The Home Depot, with the help of an identity protection specialist, and spoke with XXXX in Security/Fraud. She said that there was nothing opened in my name or SS # and to dispute the hard inquiry online with XXXX. 

On XX/XX/XXXX and XX/XX/XXXX, I submitted disputes to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX. I submitted that " I believe I am a victim of identity theft and that the inquiry is not mine ''. Both dispute results were : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " I didn't give this company authorization to access my credit report for this reason ''. The dispute result was " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I submitted a dispute to XXXX regarding the hard inquiry on my credit report from THD/CBNA ( The Home Depot ) XXXX XX/XX/XXXX. I submitted that " This is not my inquiry ''. The dispute result was : " Inquiries are of factual record of file access and will remain on the XXXX Credit File two years from the reported date of the inquiry ''. 

On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist and spoke with XXXX. She tried to look up my application through a commercial account. Again, she could not find an account under my name or SS #. She recommended that I send a copy of the hard inquiry for THD/CBNA on XX/XX/XXXX to XXXX XXXX . 

On XX/XX/XXXX, I faxed a dispute letter ( attached ), a FTC ID theft report and a copy of the XXXX hard inquiry to XXXX XXXX and received no response. 

On XX/XX/XXXX, I again called The Home Depot, with the help of an identity protection specialist. We were transferred through seven ( 7 ) different departments and individuals and spent over an hour and a half on the phone. No one could find information regarding this application and I was asked to provide my SS # in order for them to find the application request. As The Home Depot could not find my application on XX/XX/XXXX or XX/XX/XXXX with my SS #, I was not comfortable nor confident that they would find it on XX/XX/XXXX, therefore I am reporting this to the CFPB.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.
Consumer complaint received 2023-11-07
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. (AR)

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.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX Date Opened : XX/XX/2023 Amount : {$6000.00}
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I 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 2023-08-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update this account completely from my credit reports. XXXX XXXX XXXX.
Consumer complaint received 2023-08-03
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: DISCOVER BANK (NC)

I have been trying to dispute these Discover Student Loans for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: AMERICAN HONDA FINANCE CORP (NY)

The loan was taken out XXXX of 2015 which is XXXX and XXXX XXXX. I voluntarily gave the car in for repo. The car was sold at the auction for XXXX but Honda finance is still reporting a XXXX balance due on my credit report. As for repossession isnt it supposed to removed from your credit report Ive spoken to Honda and they refuse to remove it Ive spoke to them several times in regards to this matter I fell on hard times and couldnt afford the car and couldnt handle the payments and i expressed that to the company i am simply trying to get my credit in order after all these years. American Honda finance refuses to remove this of my credit
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

My debit card information was stolen and used in 4 different unauthorized transactions totaling {$8100.00}. I immediately called Wells Fargo to dispute the charges and was told the investigation would take 10 business days to complete. After waiting to hear from Wells Fargo with no update I called and was informed my fraud claim was denied and I was responsible for the charges. I then went and filed a police report with the City of XXXX in South Carolina. Case number is XXXX. I then went to my the local branch where I was informed that Wells Fargo would not reopen the investigation with no clear reason given why and that my only avenue would be to file a complaint. I never received fraud alerts on these amounts for approval. I called one of the websites that was used to steal my money and they informed me that they had already closed the account that was used in the transaction due to fraud and to have my bank contact them to resolve the issue and Wells Fargo refuses to do their part, after having an investigation open into my account for 10 business days they never even contacted the locations that were used to make these fraudulent transactions and basically told me that its my fault that someone stole my money out of my account and they will not do anything about it.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-28
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. (MI)

I contacted XXXX by e-mail on XXXX XX/XX/2023 regarding outsanding balance and payment history they were reporting for my privae student loan. I explained they'd been reporting incohate payment history, ie payment history for a future month, and a balance history that was ten ( 10 ) times what it should be. The representative, XXXX XXXX respnded via e-mail on XXXX XX/XX/2023 and acknowledged the incorrect payment history. She and performed an off-cycle update for the account on XXXX XX/XX/2023. Experian received the update for the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. Experian notified me of the off-cucle update on XXXX XX/XX/2023. According to the data transmitted, the account is now allegedly ninety ( 90 ) days past-due from the off-cycle update on XXXX XX/XX/2023. Although XXXX has consistently mailed my statements to addresses that I do not live at, and that change form every two months ( see CFPB complaint XXXX ), XXXXXXXX XXXX  own system alleges payments on the account have been made through XXXX XX/XX/2023. The due-date established under CFPB interpretation of TILA/Regulation Z appears to be the twenty-seventh ( XXXX ) day of each month. In examining the statement generated on or around XXXX XX/XX/2023, the alleged statement due date is XXXX XX/XX/2023. Thus, the payment history furnished is false/misleading/inaccurate because it implies a delinquency history that would not have occured by the due date of the statement. This seems to occur each time I file a dispute with the CRAs regarding the account.
Consumer complaint received 2024-03-27
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)

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 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2023-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

XXXX/Lakeview Loan Services has been attacked in a ransomware incident. During this time, they have provided no information as to the extent of the information compromised and what if any actions are being taken to mitigate the damage. In addition the replacement website they have created makes no mention of this incident and simply asks that you reenter your bank information. How are we to be assured that this site is a ) not a spoof by the hackers, and b ) any safer than the previous site? The lack of transparency is appalling.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-03-27
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.
Consumer complaint received 2023-09-19
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: U.S. BANCORP (NY)

I called the U.S. Bank for multiple times for a reversed charge of {$78.00} by XXXX on XX/XX/23 I previously disputed but without success. I was confirmed by the U.S. Bank on multiple occasions I was fully charged by XXXX, however, XXXX suspended my account and notified me I had to pay another {$78.00} because they never received my payment. On XX/XX/23, I talked to a representative called XXXX from the U.S. Bank with the call confirmation number XXXX regarding this matter and was told the U.S. Bank would send over a letter directly to XXXX confirming I was fully charged by XXXX already. Later on, I contacted XXXX and was told again they never received my payment of {$78.00}. On XX/XX/23, I called the U.S. Bank again and talked to ( 2 ) different supervisors from the U.S. Bank, XXXX ( I can't remember clearly ) and XXXX with my case number XXXX. They both confirmed the case processor from the U.S. Bank would give me a call on Monday XX/XX/23 between XXXX Eastern time to make sure they send the funds to XXXX, however, I never received a call from anyone from the U.S. Bank. So the U.S. Bank keep my money in their own pocket without sending it to XXXX for almost two months now since XX/XX/23 I got charged back as shown on the attached of my credit card account record. Due to the negligence and corruption of the U.S. Bank, I was the one suffering from the consequences of this unprocessed charge of {$78.00} I already paid in full. I am requesting for an investigation on the U.S. Bank because they are corrupt and did not treat their customer with honesty and respect. They didn't do their job and fulfill what they promised me their customer what they were going to do. They did not send me or XXXX the confirmation of my charge of {$78.00}. They did not process the payment of {$78.00}, which caused my XXXX account to be suspended and XXXX have kept asking me for a duplicate payment of {$78.00} since then.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit scorXXXX. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-08-03
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-19
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. (IN)

on XX/XX/. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called XXXX and they immediately told me they denied this due to it being suspicious activity and that they would inform Transunion and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. Transunion refused even after I sent them the letter and inquiry dispute just like they requested me to do.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.