davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX & XXXX, I sent a letter to Trans Union regarding the following accounts on my credit report : XXXX XXXX XXXX acct # : XXXX ; XXXX XXXX XXXX acct # : XXXX & XXXX XXXX XXXX acct # : XXXX. By not reporting the ENTIRE ACCOUNT NUMBERS, THEY ARE NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF THE FAIR CREDIT REPORTING ACT. And because of their improper procedures this is highly damaging to my credit score.Trans Union is continually violating federal law by not reporting the full account numbers per account. Also, there's several hard Inquiries on my report without my knowledge. According to the FCRA a hard inquiry can ONLY be made with the explicit consent of the inquiry. AGAIN, I DID NOT consent for these inquiries, nor was i even made aware of its occurance. I have asked Trans Union to please remove these from my report. I submitted to Trans Union in XXXX a letter showing i've dealt with Identity Theft, yet they continue to list things on my report and have yet to provide documentation i have requested.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (CA)

I sent in my police report and my FTC affidavit to the three Experian, XXXX XXXX and XXXX to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent inquiriesXXXX 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 XXXXXXXX  fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America on two separate occasions opened an account with my information without my permission. I have no history of any accounts with them and have never applied for an account. The account was applied for using an old address, oXXXX I have not lived at since XXXX. 

Occurrence one : I received an email that an application was approved on XX/XX/XXXX for a Bank of america XXXX XXXX balance banking account. I reported this to their fraud divisions and the account was closed. 

Occurrence two : I received an email that an application was in progress and then approved on XX/XX/XXXX for an XXXX XXXX balance banking account. I contacted them to close the account and report the fraud but I still received mail and email communications with them. 

The account has no deposits made on my behalf but it has not been closed and looks like no one is using it for fraud activity. I have not attempted to log in to the account at all.
Consumer complaint received 2024-07-02
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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/XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC (GA)

Goodleap cancelled my automatic payment without notification and then proceeded to mark my account as late for a missed payment. I rectified the situation as soon as I noticed but they refused to adjust their reporting even after acknowledging that they cancelled my payment without my consent.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (AZ)

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported.

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report.

I appreciate your prompt attention to this matter and look forward to your swift resolution.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-25
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)

I reviewed my credit reports on XX/XX/2023 and noticed that there are inaccurate accounts reporting on my credit report. 
XXXX XXXX acct. # XXXX XXXX XXXX acct. # XXXX Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 
I contacted XXXX, XXXX, and Transunion and asked them to investigate and remove the inaccurate accounts from my credit report and that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide. 
This is a violation of the FAIR CREDIT REPORTING ACT, and this disputed item may appear on my credit report if it can not be supported by any evidence or proof.
Consumer complaint received 2024-07-02
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-02
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. (MA)

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CT)

American Express has entered into a consumer credit transaction with me via using my social credit card defined under 15 USC1602 to extend me my o n credit on multiple accounts. In the year of XXXX  American Express has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. American Express has been in violation of the ECOA and Tittl 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. American Express once aft er taking ADVERSE ACTION discriminating against has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. American Express is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. TENDER of payments was attempted to be made on these accounts to satisfy the alleged debt In Good Faith but was REFUSED by American Express. Such Refusal of legal tender has now discharged the debt under UCC 3 -603 and has placed American Express under a violation of the Federal Reserve Act Sec 29. American Express has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would have been made. American Express has FAILED to provide lawful validation of any lawful debt and has dishonored the offer and continues to furnish false statements about me on my reputation hurting my character and right to credit.
Consumer complaint received 2024-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

XX/XX/XXXX First Continental Mortgage paid {$5300.00} to XXXX XXXX tax office for property taxes. Even though they were sent a letter and paperwork informing them that we are 100 % tax exempt. Later, XXXX XXXX XXXX refunded First Continental Mortgage a check for {$1600.00} and mail the remaining balance to us. Which should have only left our escrow account {$3700.00} but we received a statement for {$13000.00} then {$9000.00}, {$8000.00}, {$7000.00}, {$6000.00} and now down to {$5300.00}. 
Payments made from XX/XX/XXXX to XX/XX/XXXX were returned stating that the amount was incorrect. But the mortgage payment amount changed every month. Now, this has messed up our credit because they are reporting we were late with payments, which is not true they just cashed the checks and returned them back to us. 
XXXX  of our family members ended up with XXXX and this put a decline in our income for a little while. We applied for a forbearance or loan modification from First Continental Mortgage. They declined to give us a forbearance or loan modification after they messed up our loan and credit.
Consumer complaint received 2024-07-01
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: Block, Inc. (PA)

cash app card money from a hotel was released to go back on my card t transaction was made XX/XX/year> XXXX XXXX XXXX NJ the hotel released back to my acct XX/XX/XXXX i contacted cash app several times they keep giving me different excuses this is past 30 days now they say i will get a response on email 10 days
Consumer complaint received 2023-09-15
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. (TX)

Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the Office of Attorney General Child Support Division in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the Child Support court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law. 

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights. 

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2023-08-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Dispute With XXXX XXXX XXXX  Regarding Account of XXXX XXXX - Account Ending in XXXX I am writing to bring forth a matter of utmost concern with regard to the credit reporting practices enacted by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX  has engaged in the dissemination of inaccurate information on my credit profile. Specifically, I have been subjected to unwarranted fees associated with an account that had, in fact, been rectified to possess a XXXX balance. 

Subsequent to extensive discussions held with various representatives of XXXX XXXX XXXX, a definitive chronology of events surrounding the adjustment of the aforementioned account has been established. On XX/XX/XXXX, an imposition of a late fee in the sum of {$28.00}, coupled with an annual fee amounting to {$39.00}, was duly recorded. It is worth noting that the erroneously applied late fee was expunged on XX/XX/XXXX. Further, on XX/XX/XXXX, the annual fee of {$39.00} was duly rescinded, resulting in the restoration of a balanced state amounting to XXXX. 

However, I have ascertained that XXXX XXXX XXXXXXXX XXXX automated system, in an unwitting capacity, erroneously generated late charges on both XX/XX/XXXX and XX/XX/XXXX, concurrently with the imposition of ancillary fees that were neither warranted nor intended. This unsettling development prompted me to directly engage with the company. I am pleased to acknowledge the company 's acknowledgment of the error and subsequent issuance of credits on XX/XX/XXXX ( {$39.00} ), XX/XX/XXXX ( {$39.00} ), and XX/XX/XXXX ( {$30.00} ), thereby reinstating the balance to a total of XXXX. It is imperative to underscore that as of XX/XX/XXXX, the account remains devoid of any lingering obligations. 

My discourse with representatives of XXXX XXXX XXXX  has yielded verbal acknowledgment of an inherent flaw within their system. However, in recognition of the potential for misrepresentation within credit reporting, coupled with the associated legal ramifications, the bank finds itself constrained from overtly articulating this acknowledgment within written correspondence. As a result, the bank intends to issue two ostensibly ambiguous letters. The initial communication will merely indicate the present equilibrium of the account, while deliberately abstaining from delving into specifics surrounding the credit adjustments. The subsequent communication will serve to inform me, as a matter of courteous communication, of the bank 's proactive endeavors to rectify the situation through correspondence with credit reporting agencies. Importantly, these communications shall meticulously refrain from making any allusion to the erroneous attribution of belated payments within my credit record, or any indications of the bank 's culpability in the matter.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST PORTFOLIO SERVICING INC (NV)

On XX/XX/2023, I received a " First Access Application Response '' PDF from First Access denying my credit card application due to a XXXX XXXX XXXX of XXXX. However, I provided First Access with my social security number, allowing them to access my credit report, without receiving any benefit from their services. This is particularly concerning given that I received another email on XX/XX/2023, from a different company, also denying my credit card application based on my XXXX XXXX XXXX, which was reported as XXXX. The substantial discrepancy in my XXXX credit scores reported by these XXXX companies within a ten-day period raises serious concerns about the accuracy and integrity of the credit reporting process. 

These repeated denials and inconsistent credit score reporting have caused significant financial damage, jeopardizing my ability to access credit and build my financial future. Moreover, the emotional toll of these rejections has negatively impacted my mental and social well-being. As an individual striving to build an art community, I feel disheartened and exploited by these unfair practices.

I request your immediate attention to this matter and urge you to investigate the discrepancies in my credit score reporting. I believe I am entitled to compensation for the financial and emotional harm I have endured due to these inaccurate credit reports. 

Thank you for your time and consideration. 

All rights reserved, without prejudice. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is report this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX. 

Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$12000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX XXXX am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) thaXXXX XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ). 

I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation! 

Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau. 

Regards, XXXX XXXX XXXX