davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX, my FICO score has randomly dropped XXXX times by XXXX points across all XXXX credit reporting agencies : XXXX, XXXX, Experian, and XXXX. The first was in XXXX and then it went back up XXXX points the following month. As of today, XXXX XXXX, XXXX, my FICO score dropped XXXX points again. In either case, literally NOTHING changed unfavorably to create these changes. 

I have : not opened any new credit lines frozen credit across all agencies since XXXX, so no new credit requests or identity theft, my credit card balances hover at or BELOW XXXX ( yes, a credit to me ) as I pay any due balances daily or bi-daily usually before the charge is even posted by my credit card company, a XXXX balance at month 's end on all credit cards ALWAYS had no late payments in XXXX years a mortgage since XXXX whose balance is paid XXXX months ahead of time and the balance continues to drop monthly the same job with no change in income during both FICO score changes no significant purchases. My largest purchase in the past XXXX  months was less than {$1000.00} and the credit card balance was paid the following day long before it was due. 
total available credit on my revolving credit cards of {$130000.00} and have used less than {$1000.00} ( 0.7 % ) of it for any single purchase in XXXX I tried to report the issue to each agency, but there is not reliable way to report such matters. As I'm considering the purchase of a car, a XXXX point unexpected FICO change is disconcerting. Further, if this is happening to me, a person with a sterling credit rating, then how screwed is a consumer who is on the cusp of good-v.-bad credit if this happens to them. 

I attached XXXX files showing some details of my credit record to bolster my points above. The information is from Experian, but all of them reflect the same changes. 

Any help you can provide to resolve this matter would be most appreciated.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CO)

XXXX - XXXX XXXX XXXX XXXX - operating from XXXX XXXX XXXX promised to deliver backlinks from 5 different websites in XXXX, 2023. Payment of {$1300.00} was made to : Account holder : XXXX XXXX XXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Which is a Wise.com US registered bank. 

The XXXX trace number is : XXXX Only 1 of 5 links ordered ( valued at {$110.00} ) was delivered. All of the other links/services promised were never delivered. They replied several times via Email and XXXX promising to deliver services but never actually did. Original turn around time was to be 3 weeks, it has now been 5 months and they've stopped responding to any inquires from me.
Consumer complaint received 2024-02-01
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)

Hello, I trust this communication finds you well. I have been attempting to establish contact with your XXXX regarding an account currently appearing on my credit report with all three major bureaus. The matter at hand is that this account is either already or nearly XXXX years old, and in accordance with established credit reporting guidelines, it should no longer be reported. 

I kindly seek your assistance in promptly expunging this outdated account from my credit reports. Taking this step is essential to ensure the accurate representation of my credit history. 

Your prompt attention to this matter is highly appreciated, and I anticipate a swift resolution. Please do not hesitate to reach out if any additional information is required to facilitate this process. 

Thank you for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
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. (MD)

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 2024-02-01
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. (PA)

Pursuant to 12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. 
Ive never received an opt out notice from you. Due to this error on your behalf, I am now exercising my right to opt out from all reporting of my information to non-affiliated third parties including but not limited to TransUnion, XXXX, XXXX, XXXX as well as any other agencies of the like. 
Pursuant to 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

Pursuant to 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection,
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2024-02-01
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. (MD)

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 2024-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (AZ)

I received a collection letter on or about XX/XX/year>. I responded using the included form and prepaid envelope that I am disputing the debt. This was mailed on or about XX/XX/XXXX. 

It is my understanding that since I have disputed the debt, that all collection attempts must be halted. 

I was called on XX/XX/year> at XXXXXXXX XXXX  with a collection attempt. I stated that I had responded to the previous letter and was awaiting response to that letter still.
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Went to ATM, withdrew {$560.00} Did not dispense money screen said ATM could not be used until further notice ( have picture of screen saying this ) stayed for 10 minutes to see if it would dispense did not dispense the money I went through bank staff to communicate the problem and went through the proper channels and my claim was denied. I called the claims department, as instructed, six times until the denial
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I was previously defaulted by the XXXX XXXX XXXXXXXX for my last attended semester in XXXX  of XXXX. I dropped out of said university and enlisted in the military 2 years later. I have recently been honorably discharged from the XXXX and would like to return to school using my GI Bill benefits, but I am unable to due to my transcripts being withheld by the XXXX  XXXX XXXX. If possible, it would be greatly appreciated to reduce the amount I owe monthly, currently it stands at about {$2000.00} a month which is a large amount that seems unfair.
Consumer complaint received 2024-08-15
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)

I am writing to express my concerns about several issues I have encountered with the credit bureau, including inaccurate account listings, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-02-01
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. (TX)

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 2024-02-01
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)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

On XXXX XXXX XXXX, and XX/XX/XXXX, I received correspondence via email from XXXXebt Collection Agency " HUNTER WARFIELD, '' alleging that I owe a balance of approximately {$160.00} to " XXXX XXXX '' In context, around XX/XX/XXXX, I submitted an interest form to Apartment Complex " XXXX XXXX '' inquiring about available housing. At no point did I communicate with/meet with a representative, tour the property, and/or sign a housing contract. 

Therefore, I do not owe, nor will I pay, the amount specified, and if " HUNTER WARFIELD '' does not promptly delete this collection AND remove all traces of alleged false debt from the credit reporting bureaus/agencies, I will also file a complaint against " XXXX XXXX '' as well.
Consumer complaint received 2023-04-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I am a victim of the XXXX breach, hacking and identity theft. NETCREDIT has given funds to someone who isn't me. I did not even have a job for well over a year before they claim to qualify me for payday loan. Some sort of job is required to get a payday loan their website states.. I was Recovering from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many more injuries... still am. 

I would have no paystub or paychecks to show them in XX/XX/2023. My car accident was that bad i'm still recovering. What ever they got was from the hacker ( S ) stealer ( s ) was a lie.
Consumer complaint received 2024-02-01
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. (NE)

Dear CFPB, I am writing in reference to the recent response of XXXX, XXXX and TransUnion to my CFPB complaints, dated XX/XX/year>, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies. 

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX- Same Inconsistent Details XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX - Removed in XXXX and TransUnion on XXXX XXXX  XXXX - Account # : XXXX - Removed in XXXX on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 

I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal. 

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

Respectfully, XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX Has potentially violated consumer law on sharing private financial data on the Internet via PDF of bank statements via this website and other sources. 

I do never signed any binding documents between Capital One and XXXX XXXX where I Agree to Capital One sale my information and share privacy staments is the law and my private data should not be share spatially financial data. 

Again, there is non and single agreement where I agree with capital one to sell my information, there is no a single document that says that this account could be handled by a 3rd party buyer to use my financial data for benefit or for profit. 

Im requesting a valid documentation where my self signed a document to Capital One that they are able to sell my personal stament information signed by my own hands and pencil that I agree this type of scams. 


Last warning I will bring this to court if you dont Cease and Desist of this matter by Monday I fully explained I dont own any money and I never authorized Capital One to sale my information private staments for profit NOTE : Will take you guys to court first to show when and how I signed any document that I agreed Capital One XXXX  to give you my staments and private information and when you have a valid authorization to keep private financial information in your personal files without my own approval. To BE MUST CLEAR THE FIRST TIME IM LOOKING A FULL STAMENT OF THIS ACCOUNT IS OUT OF YOUR HANDS SENDING A FULL PDF COPY THAT I EVEN DONT HAVE My Self on File.
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information XXXX adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Please see the complaint number below submitted XX/XX/XXXX for full complaint details. Additional requests are as follows : XXXX Please advise the underwriting criteria for the balance transfer offer as I would be surprised if a XXXX credit score is to low for this offer. Balance transfers are generally a tool to help those in debt relieve it, people in substantial debt don't have XXXX credit scores which leads me to believe this is a tactic to pull people in with no intention of furnishing the offer. 

Please advise what action was taken to review the 4 different calls I had where I was advised I did qualify for the 0 % APR on transfers. Please also advise how you may assist me or make me whole for this misinformation. In my opinion, the only way to make this whole is to provide me with the balance transfer option I was advised multiple times I was approved for and was showing on my account. 

Lastly, the statement is made that I had the opportunity to decline the card. I did not. I applied, it said it was approved and then I received an email with the details. I was at no point provided with the opportunity to review the offer and decline or accept. 

There are clear UDAAP violations here, Advertising and Marketing violations, and TILA violations and the disclosures around the promotional offer were not clear. I received an offer for a card, a pre-qualification. My credit card is significantly higher than it was when I got the first card. Capital one may be seeking to brush this off with the simple provision of a document, but that is not going to happen here. My next step is to bring my lawyer in to sue for the misinformation clearly provided by phone on multiple occasions. 

Should Capital One maintain its stance to not provide me with the offer I should have qualified for and was advised multiple times by Capital One employees, specialists in the balance transfer, that I was qualified for? I will seek legal action on principal alone as I no longer even need this balance transfer. These business practices are very deceptive and unprofessional. The CFPB should initiate an examination into your practices as the presence of multiple calls telling me I am qualified alone is grounds for furnishing the acceptance of the 0 % APR offer. 

I would like to know if Capital One reviewed all of the calls and it is their position that they do not care what was relayed to me in the calls. 

I would like copies of the call recordings furnished through the CFPB. And I would like to see the underwriting criteria for the balance transfer offer.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

FCRA 605B, I believe, necessitates the elimination of any erroneous accounts from my credit report. Could you please verify the documents? Some of the accounts listed are incorrect in terms of reporting, with inaccuracies in the reported amounts and dates.