davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (TX)

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau on XX/XX/XXXX. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Dear CFPB RE : Violation of FCRA XXXX ( XXXX ) ( A ) Experian recently responded regarding a previously disputed account listed as XXXX XXXXXXXX XXXX XXXX on my consumer report. I've made them aware of several inaccuracies. Experian decided to update the account. There is no way the account has been verified as previously stated, how can so many inaccuracies exist coming from the same source. According to FCRA 611 ( 5 ) ( A ) you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. 

( The inaccuracies & incomplete information are listed as follows ) Experian XXXX account status account status paid open High credit High credit XXXX XXXX Last reported Last reported XX/XX/XXXX XX/XX/XXXX Account # Account # Not complete Not complete Account type Account type Credit Line - Date Last active Date last active XX/XX/XXXX - Date last payment Date Last payment XX/XX/XXXX - I will state again there is no way the account has been verified as previously stated, how can so many inaccuracies exist coming from the same source reporting differently among other agencies Experian and XXXX are violating the law. In pursuant to 15 U.S code 1681s-2 ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS A person SHALL NOT FURNISH any information relating to a consumer reporting agency if the person knows or has REASONABLE CAUSE TO BELIEVE that THE INFORMATION is INACCURATE.

According to 15 U.S Code 1681o Civil Liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - Iam a litigious federally protected consumer and this matter needs to be corrected. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand this account to be deleted.
Consumer complaint received 2023-12-28
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. (AL)

This is XXXX XXXX please 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 2023-12-14
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: MOHELA (CA)

I discovered through our mortgage loan back ground check that I had a late payment in XXXX of XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX of XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX was XXXX and the mortgage lender is suggesting that the XXXX late payment was added recently. But I have never missed a payment. I contacted XXXX who has the loans and they said to contact Fed Loan Servicing which had my loans before. I never moved to XXXX that was done automatically by the gov.
Consumer complaint received 2023-08-30
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. (NJ)

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 2024-06-24
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 (NC)

I am writing to file a formal complaint against CAPITAL ONE, account number- XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

Equifax has continually violated my rights under the fair credit act- has not responded to any of my concerns and issues that involves my credit profile. I sent certified usp mail. And have not received in response over 60 days. Attached to this complaint will be my issues that need resolved immediately.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I deposited checks with Bank of America the past weekend to avoid overdrafting my account. Deposits were XXXX and XXXX, I believe. Their system advised that funds would be available for purchases on XX/XX/03 and as of the next business day. The smaller deposit was even done with the bank during normal business hours, but the funds were not made available. When asked why the funds were not available they said it HAD to process for 1 business day before funds would be available. This has not been an issue in the past with funds usually made available right away but I understand that funds may not be made available during the weekend though they should honor the information provided to consumers on their systems
Consumer complaint received 2023-12-28
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. (GA)

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. 

I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. 

I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. 

I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$990.00}.
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 — Their investigation did not fix an error on your report
Company: The CMI Group, Inc. (TX)

I made a payment to XXXX XXXX for {$140.00} on XX/XX/year>. I reached out to XXXX on Monday, XX/XX/year> to verify that they sent the updated payment to the collection agency ( Credit Management ). XXXX XXXX expressed that they did not have record of the payment even though I called their agency directly to make the payment. 

There is a second collection in the amount of {$620.00} from the same company ( XXXX XXXX ) that is with the collection agency ( Credit Management ) and this account is reporting misinformation. The original creditor ( XXXX XXXX ) would not provide me with any information on the account. This company is reporting inaccurate information.
Consumer complaint received 2023-12-28
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  Balance : {$3000.00}.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

For the last 6 months I have been disputing the information on my profile that do not belong to me. 

XXXX XXXX Account Number : XXXX Amount Owed : {$960.00} XXXX Account Number : XXXX Amount Owed : {$480.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$440.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$0.00} XXXX XXXX  Account Number : XXXX  Amount Owed : {$0.00} XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$12000.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$610.00} XXXX XXXX XXXX Reference Number : XXXX  Amount Owed : {$320.00} XXXX XXXX XXXX Reference Number : XXXX  Amount Owed : {$960.00} XXXX XXXX XXXX Reference Number : XXXX Amount Owed : {$480.00}
Consumer complaint received 2024-02-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Newport Intermediate Inc. (NY)

I have 3 Pre-Paid Visa Cards that my employer sent as a recognition rewards. These cards were received ( I have the both the numbers and digital token number ) but when I tried to use it, the company Prepaid Digital Solutions saying the card is expired and refusing to issue a replacement card. 

This is over {$1000.00} of value on the card which has been already funded by my employer, which Prepaid Digital Solutions is just keeping. It is essentially theft. 

Here are the digital tokens : XXXX - {$500.00} ( full amount ) XXXX - {$500.00} ( full amount ) XXXX - {$250.00} ( need to check balance on this )
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed my credit reports and noticed there are several incorrect items on there check below for account info. 

1.discover bank XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given discover bank permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to discover bank resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-12-28
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)

I reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :
Consumer complaint received 2023-09-26
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. (NJ)

I disputed this with a Equifax because after the investigation, they said that it was verify through the courts and that the information was accurate, I contacted the courts, and then sent me a letter stating that they do not that they do not report to any credit credit agencies. Either way the reporting items do not comply with six 1115 USC 1681I
Consumer complaint received 2023-12-28
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. (FL)

Dear Sir/Madam I am writing to you as a concerned consumer of the inaccurate reporting of information on my consumer report. 
The information has had a significant impact on my standing to retrain credit. Furthermore, I would like to iterate that I previously opted out with each financial institution and credit reporting agencies. Your failure to comply puts you at risk according to 15 U.S. Code & 1681 n - Civil liability for willful noncompliance. 

Please see the attached opt out letters and inaccurate information.
Consumer complaint received 2024-06-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This company keeps trying to collect on a time-barred joint account which i believe its against the law. The Statute of limitations in the State of Florida is 5 years to collect. Its been almost 6 years.
Consumer complaint received 2023-09-15
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. (NJ)

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC (LA)

I received a letter in the mail back in XX/XX/XXXX in regard to the XXXX XXXX security data breach. Not long after receiving the letter, I noticed a debt collector, Wakefield Associates, listed on my credit report. This agency turned me into collections and claimed that I owed them {$690.00}. An initial letter was never sent to me. On XX/XX/XXXX, I sent them a dispute letter asking them to provide me with proof that I am indeed the responsible party for this debt. Nevertheless, they were not able to provide me with any proof, and as of now, this agency has not responded back to my letter. After rechecking my credit reports, the collections account is now deleted. I am unable to find it anywhere on my reports. This company still took it upon themselves to report my info to the 3 credit bureaus for a debt that I was never responsible for. Even though the account is now deleted, my credit is ruined. My local police department claims they are unable to do anything about the issue.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent TransUnionXXXX Attorney General XXXX XXXX XXXX on ( 2 ) occasions, namely XX/XX/ USPS NO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Delivery Confirmation : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  with ( 6 ) attachments. After approximately three weeks, TransUnion responded and stated that the allege debt was 'Verified ', but did not rebut any of my request for validation of proof.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (AZ)

I lodged a complaint against my credit card company in XXXX. My card information was stolen and used for purchases last year. After months of calls I made a complaint and they finally resolved the theft portion. Problem is they keep saying I owe {$180.00} in late fees/interest from this illegal purchase. I do not owe these fees and no one will help me
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (CA)

Promotional Credit card APR ended, and balance was paid in full. Discover did not credit the payment according to the credit terms of the agreement. Payment applies to the lower interest rate first, any excess payment is to be applied to the highest interest rate first. This was not done by Discover in violation of the terms of the credit card agreement. Instead, they ignored this and allowed the interest to escalate to the next tier and the interest rate quadrupled. This is a bait and switch tactic. I suspect other consumers have fallen to this scam. This case should be referred to the Attorney General for prosecution and investigation.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.