davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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: HW Holding, Inc (MD)

I am unsure I why I am having this consistent problem with XXXX, XXXX, and XXXX XXXX. In XX/XX/2023 I filed a complaint with XXXX reference # XXXX. After a thorough investigation, XXXX deleted Hunter Warfield from my credit report due to lack of verifiable proof, agreement with Hunter Warfield with my signature, and other reasons. I can't understand why XXXX and XXXX are failing to do a proper and thorough investigation to come to the same conclusion to delete this from my credit report. XXXX, XXXX, and Hunter Warfield are violating my consumer rights by federal and state law to include but not to FCRA ( 15 U.S.C. 1681s-2 ), FCRA ( 15 U.S.C. 1692g ), and Maryland State Law ( Maryland Consumer Debt Collection Act - Md. Code Ann., Com. Law 14-202 ). The company fails to provide verifiable proof of a signature contract/agreement with me, XXXX XXXX XXXX XXXX and Hunter Warfield . I have attached a letter that explains this in further detail to include a letter for CFPB, Hunter Warfield and a statement from XXXX.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never lived at any of these addresses result of identity theft ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the only familiar number is ( XXXX XXXX XXXX it is my old phone number but still needs to be removed the other XXXX are results of identity theft when I was under the age of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are results of identity theft when i was under the age of XXXX and are the only two that haven't been removed from my credit. 
I don't know if it's still on mt report, but my birth year was also incorrect it should say XXXX
Consumer complaint received 2023-12-20
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. (OK)

Unauthorized inquiry with XXXX XXXX XXXX XXXX on XX/XX/2023 and it's reporting on my Experian credit report. I need this investigated and removed off my credit report.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed this account with XXXX XXXX XXXX XXXX back in late may that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

Dear CFPB, I am writing to formally report an issue I am experiencing with Macy 's credit card and their reporting system to the credit bureaus, which has resulted in a significant and unexplained drop in my credit score. 
Details of the Issue : 1. Credit Score Impact : On [ insert date ], I received a notice from the credit bureau that my credit score had dropped by XXXX points overnight without any prior warning or notice. This sudden drop is highly irregular and concerning. I have never received a statement or a bill for this account and that is why it has not been paid in a timely fashion. 
2. Account Confusion : Macy 's informed me that I had opened the account in XX/XX/year>. However, I distinctly remember opening an XXXX XXXX XXXX in XX/XX/year>, not a Macy 's card. I understand that XXXX XXXX does not have a card bearing Macy 's name. It seems Macy 's may be converting some accounts from XXXX XXXX to Macy 's without consumer consent or approval. This is deceptive and potentially illegal. 
3. Penalty Charges : Macy 's charged me over 50 % of the due amount, labeling it delinquent for being over 30 days late. This penalty is excessively high and unfair, especially since I did not receive any bill, notice, or warning. 
Request for Resolution : I have always paid my dues on time and maintained an excellent credit score ( over XXXX across all three credit bureaus ). Macy 's actions have unjustly impacted my credit standing. I respectfully request the CFPB to : 1. Investigate Macy 's credit reporting practices, especially concerning the sudden and unexplained drop in my credit score. 
2. Ensure that my credit score is restored to its previous excellent status. 
3. Address the unfair penalty charges imposed by Macy 's for the alleged late payment. 
This situation has caused me significant distress, and I hope for a fair and just resolution. I appreciate your assistance in this matter. Thank you for your attention to this serious issue. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DELETE PREVIOUSLY EMPLOYERS * ADD THE CORRECT EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * PLEASE CORRECT MY DATE OF BIRTH ( XX/XX/XXXX ) * PLEASE DELETED CURRENT ADDRESS ADD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) * PLEASE ADD MY EMPLOYER ( XXXX XXXX ). 
PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 

XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DATE PREVIOUSLY ADDRESS * ADD MY CURRENT EMPLOYER ( XXXX XXXX ) PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. 


PLEASE SEE ATTACHMENT!!!
Consumer complaint received 2024-06-26
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)

The following accounts are reporting on my credit, I suspect identity theft, I contacted the FTC and did a report, filed a dispute with all three credit bureaus but there are still items reporting. 

The disputed items are : XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Received letter from an attorney XXXX XXXX XXXX and sheriff dept about credit card debt from XXXX in 2003. The creditor is a company I never heard of. They are threatening to garnish my wages from my employer.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AmeriCollect (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-07-11
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-20
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-20
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-11-08
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. (VA)

I did not recognize any of the following inquiries and did not authorize them. 

Trans Union : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Able to log in to TransUnion at https : //service.transunion.com/dss/login.page and verify My Profile. 

After a successful login, I am unable to access credit file information and perform actions online, including accessing credit files and scores, managing or placing a credit freeze, managing or creating a fraud alert, submitting a dispute, etc. 

I called to request support with online access to my credit file. I was on the call for XXXX minutes, and I was transferred or engaged with at least XXXX " departments '' without resolution. 

The first TransUnion agent advised me that my online access issue was escalated and a file number was created, but I would need to call back after 5 business days to learn if my online credit file access issues were resolved.

Transferred to 2nd agent to discuss credit file actions, e.g., unfreeze credit for a specific timeframe. However, I was denied when asked to verify my identity since my answers to questions asked during authentication were incorrect. 

This indicates that TransUnion has allowed incorrect identity verification data to be part of my credit file. Furthermore, it indicates TransUnion 's gross mismanagement of my personal credit file or acceptance of fraudulent information in my credit file. 

I requested immediate fraud or identity theft support, but I was told that TransUnion would start the investigation process in at least 2 business days. This is unacceptable since active fraud and identity theft may be in progress now using my TransUnion credit file information.
Consumer complaint received 2024-01-05
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)

According to The Fair Credit Reporting Act ( FCRA ) and LAW, It is ILLEGAL to report TRANSACTION HISTORY to a consumer report. I have already opted out of this type of unlawful stuff. 

Please remove this history immediately from my reports. 

I am giving 5 business days for this to be completed. 

Thank you.
Consumer complaint received 2024-06-26
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. (AZ)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/2024, Chase mailed a debit card to an address not on my profile and also reset the pin for the criminals. I got no alert for the whole process - normally even if I request a credit card replacement, I got alert. However, this time, no alert for the fraudulent debit card replacement and pin reset. 

On XX/XX/2024, criminals went to a Chase XXXX in XXXX and withdrew {$6000.00} from my XXXX  account and {$25000.00} from my XXXX  account, XXXX transactions separated by about XXXX minutes, at the help of a Chase teller. Those XXXX numbers are exactly the same XXXX number in my XXXX account ( {$6.00}, XXXX at that time ) and my XXXX  account ( {$25.00}, XXXX at that time ). I believe the Chase Teller didn't verify the photo ID before he/she authorized the withdraw, or he/she worked with the crime group. 

As of XX/XX/2024, Chase credited back the {$6000.00} and {$25000.00} back to my accounts. However, I requested Chase to report the findings for these two frauds and the information which Chase used to make the decision ( per CFPB rule/FAQ on " How do banks investigate unauthorized transactions '' ), because I would like to know how this happened and take precaution in the future. Chase declined my request and said the bank doesn't do investigation. I believe it is a violation of the CFPB rule. 

Moreover, per FDIC rule, for the transactions from one account summing over {$10000.00} in a day, the bank should submit Currency Transaction Report, which required the bank to verify the ID of the person who made the transactions. I believe Chase failed on this too.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (OK)

Ally Financial INC currently has an outstanding balance on my consumer reports listed at XXXX as of XX/XX/2024. My car note should have been paid off already, but they are insisting that I had numerous payment extensions along with a repossession fee of XXXX dollars. I can agree with the repossession fee of XXXX dollars because my car was repossessed, but I don't agree with the payment extensions. I requested twice for them to send me documentation supporting their claim, which they have failed to do both times. They are also reporting this account as ( CLOSED ) PAYS_AS_AGREES to XXXX, however the account remains open.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (IL)

am extremely frustrated and disgusted with SoFi bank. I opened a joint saving and checking in XX/XX/year>, with my XXXX love one, to be able to get access and talk on her behalf. She has paper bonds that she asked her lawyer to cash out and deposit the money into the SoFi account, I was supposed to transfer the money into a high interest CD to pay for her daily care and her bills. As soon as the fun arrived in the account, the money was frozen by Sofi without even have one withdrawal taken. When I reached out to Sofi about the account being locked I was told that they needed to talk to the primary account holder, I explained to them that I am the POA and send them a copy but they insisted that they need to talk to the primary account holder. 
They spoke with the account holder and were informed that I had been granted to speak on the account holder behalf, she doesnt have any XXXX or XXXX. The next day SoFi send XXXX XXXX XXXX to the house, they were told by Sofi to come investigate suspicious financial activity on the account. After the agent talked to the account holder alone and was told that her finances was safe, the agent access the environment and find nothing suspicious and clear the case of any suspicious activity, two day later the local police were called to the house by Sofi again still accusing me of fraud. Both the local Authority and Social services confirmed on separated occasions that the account holder was cognisant, aware and communicative and they were no suspicious activity occurring which SoFi was made aware of, but the account is still remain locked. I gave them all proper paperwork with my statue of POA when asked. 
I am a United State citizen, however I still have my native accent. Each time I am disregarded and overlooked a possible POA with a wet signature dated last year. I understand that XXXX individuals are vulnerable and it is important to be checked on, but the visit were not prompt by any suspicious act. This women is like a mother to me, people have no idea how hard and expensive it is to take care of an XXXX at home with 24 hours cares, when the caregivers don't show up I have to leave and miss work and stay with her. This is over XXXX. As a POA, I require access to the accounts to pay for caretakers, the income and property taxes bills that is due right now accumulated interest that I have to pay, but for some reason this flagged as suspicious activity and I was accused of fraud - having not yet made a single withdrawal on this account. This is frightening for an XXXX individual to be unnecessarily questioned by authority personnel, without warning. in the comfort of their home, the women was frightened and didnt sleep for the rest of the week after the police came to the house.

This is unacceptable and SoFi needs to apologize, unlock the account and undergo the necessary rewriting of procedure to stop prejudice attacks like this on his users.
Consumer complaint received 2023-12-20
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. (TX)

I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % accurate. Copies of every letter sent are attached below.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (GA)

LCI IS A THIRD PARTNER COMPANY WHO REPORTS BANKRUPTCIES ON BEHALF OF XXXX. THEY DID NOT GET MY PERMISSION TO PURCHASE ANY OF MY INFORMATION. NDER THE FCRA THEY VIOLATED MY RIGHTS TO PRIVACY. UNDER 15 usc 1681b ( aN ) 2 ). No consent to furnish any information. 15USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Public records is NEVER validated by the Recorder of Deds nor the U.S. court system due to FCRA Privacy laws.