davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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)

I am writing to file a complaint against XXXX XXXXXXXX, account number XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed.

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX  XXXX has violated these rights by failing to remove the inaccurate information from my report. I request that you investigate this matter and ensure that XXXX  XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (FL)

This morning, I found unauthorized inquiries on my credit report and have no clue why they're there. When I checked my report as usual, these discrepancies appeared unexpectedly. I even refreshed my browser to rule out a glitch, but the inquiries remained. Therefore, I request a thorough review of the documents I sent to prevent this from happening again.
Consumer complaint received 2024-06-02
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. (NC)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-08-01
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. (FL)

Tonight, I discovered errors in my credit report, and I don't understand why they're there. I checked my credit report as usual and saw unexpected discrepancies. I refreshed my browser, hoping it was just a technical issue, but the inaccurate accounts remained. Because of this, I ask for a careful examination of the documents I've submitted to ensure this problem is resolved once and for all.
Consumer complaint received 2024-06-03
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. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-01
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. (FL)

This evening, I found erroneous accounts on my credit report, and I'm clueless as to why. I routinely check my credit report, but this time I noticed unusual discrepancies. I refreshed my browser to check if it was a temporary issue, but the errors persisted. Consequently, I ask that the documents I've provided be examined meticulously to prevent future concerns.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
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: EQUIFAX, INC. (KS)

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 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: EQUIFAX, INC. (NY)

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 2024-08-01
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: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint against XXXX and Experian for their continued reporting of inaccurate information on my credit report regarding an auto installment loan with [ XXXX XXXX XXXX ], account number [ XXXX ]. I have not made a payment on this loan since XX/XX/year>2018 According to federal guidelines set by the Office of the Comptroller of the Currency ( OCC ), creditors are required to charge off an auto installment loan after 120 days of delinquency. Despite this, XXXX and Experian are still reporting late payments on this account instead of removing the inaccurate information and correctly listing it as charged off. 

The actions of XXXX and Experian constitute potential violations of the Fair Credit Reporting Act ( FCRA ) due to the following reasons : 1. Charge-Off Requirement : As per OCC guidelines, the creditor should have charged off the account after 120 days of delinquency. Reporting the account as merely late, rather than charged off, is a failure to comply with these guidelines. 
2. Incorrect Reporting : XXXX  and Experians continued reporting of late payments instead of a charge-off represents inaccurate credit reporting, which is a violation of the FCRA. The FCRA requires that information provided to credit reporting agencies be accurate and up to date. 
3. Potential Violations : OCC Guidelines : Failure to charge off the account after 120 days of delinquency. 
FCRA : Inaccurate reporting of my payment history. 

I have previously contacted XXXX and Experian to dispute these inaccuracies and provided documentation of my last payment date. Despite this, they continue to report the account inaccurately and refuse to correct the information on my credit report. 

I request the CFPBs assistance in ensuring that XXXX and Experian comply with federal guidelines and remove the inaccurate information from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Fund (GA)

XXXX OPPORTUNITY FUND HAS PLACED A XXXX LOAN ON MY PERSONAL CONSUMER REPORTS WITH THE CREDIT BUREAUS.THE COMPANY THAT RECEIVED THE LOAN HAS SINCE CLOSED AND GONE OUT OF BUSINESS DUE TO LACK OF BUSINESS FROM COVID 19 AND DISTRESSED ECONOMY. I DISPUTED THIS WITH THE CREDIT BUREAUS TO NO AVAIL THEY TO REPORT AND THE COMPANY XXXX CONTINUES TO REPORT FLASE DATA TO THE CREDIT BUREAUS. THEY COMPANY THE LOAN WAS OFFERED TO WAS AN XXXX REGISTERED WITH THE STATE OF GEORGIA.
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (FL)

I currently have some hard inquiries on my credit report that should not be there Ive never applied for any of these bank 's. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
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)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

The charge on the account was fraud. I never used the account. Capital One refuses to take a fraud report and refuses to close the account without me sending personal information such as bank statements. They also are refusing to close the account until I provide them with payment for the balance. They continue to charge interest and late payments and report to my credit union.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (CA)

This complaint concerns a recurring problem in which people like me find lost credit cards, but the credit card company makes it extremely difficult to report " found '' credit cards. 

I found a lost Chime credit card on the night of Saturday, XX/XX/XXXX at ( XXXX ) XXXX XXXX XXXX XXXX XXXX, California. 

Name on card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( name redacted for privacy ) with last four digits XXXX EXP XX/XX/XXXX I immediately phoned the " assistance '' number on the back of the credit card, XXXX. No live human being was available to answer inquiries from the public about found " lost '' Chime credit cards. A recording directed me to send an e-mail to XXXX I sent a message explaining the problem to that address on XX/XX/XXXX. 

To date, one week later, no one from Chime has acknowledged that e-mail.

I believe that there should be a statutory or regulatory requirement for credit and debit card companies to make it simple and easy for people to report " found '' lost credit and debit cards. 

The credit card refers to Chime Financial , Inc. It states that the card was issued by XXXXXXXX XXXX XXXX  pursuant to a license from XXXX XXXX XXXX XXXX All three of those financial institutions should be held accountable.
Consumer complaint received 2024-06-03
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. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XX/XX/, my XXXX credit card payment was reported as late and with an incorrect past-due amount to the credit bureaus. This has significantly affected my credit score, where it has decreased by over XXXX points with numerous cards limiting my available balance because of the alleged supposed increase in my risk profile. I believe I was enrolled on autopay, I do on most of my cards. I did not receive any notification in the mail about any late payment as required by the FDCPA and the RFDCPA, since I'm a California resident. To the extent my payments were late because I was not properly enrolled on autopay, I have no problem paying a late fee per my contractual obligations. But the payments should not have been reported as late to the credit bureaus without offering me a fair warning to fix the situation. At a minimum, I should have been given official notice to make the payment before it was reported as later. Indeed, as soon as I saw the credit bureau late payment report, I immediately paid the balance to bring back the account as current.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
COURTESY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF HAWAII CORPORATION (MP)

On XX/XX/2021, my mother died. That same day, I called Bank of Hawaii to attempt to close the account I jointly had with my mother, Acct # XXXX. The phone representative told me that if I don't want to visit a bank branch, I'll need to mail a copy of the death certificate along with a request for account closing. 

As instructed, I mailed in a copy of the death certificate, along with a request to close the account. 

On XX/XX/XXXX, I received an email from XXXX XXXX at XXXX, telling me I need to personally bring the original death certificate to the branch in order to close the account. 

On XX/XX/XXXX, I brought the original death certificate to the XXXX branch, requesting to close the account. XXXX XXXX told me that she " can not do anything '' because the death certificate is lacking a doctor 's signature. The certificate is signed at the bottom right by the registrar of the XXXX death registry, but XXXX XXXX insists that it needs to be signed by a doctor. 

This is an original death certificate, the only one I received from XXXX XXXX XXXX, and the one I've been using for dealing with government agencies and many offices. XXXX XXXX is the first person to not accept the death certificate. I am attaching a photo of this death certificate. 

I am simply trying to close an account. It seems unreasonable not to accept an original death certificate for this purpose. Additionally, I am unsatisfied with the need to visit crowded XXXX branches in person during a pandeic when other banks allow account servicing by mail.