davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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 2024-05-01
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've consistently made sure payments are on time for this account, never letting them go overdue. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-05-01
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-01
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. (CA)

I want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks have already removed the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing.I have already followed the necessary steps, and filed an identity theft report with the FTC. I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (NC)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX, XXXX, XXXX 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 : {$0.00} XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} CAP XXXX NA XX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-05-01
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)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My credit card account is paid automatically from my checking account. The payment is scheduled to be paid on the closing date which varies between the XXXX-XXXX of each month. The XX/XX/XXXX statement due on the XX/XX/XXXX was made on or about the XX/XX/XXXX in the amount of {$3900.00}.

For reasons that seem to be unknown, a duplicate amount of {$3900.00} was withdrawn from my checking account XX/XX/XXXX, 4 days prior to the statement closing date leaving my account with a credit balance. The statement balance was {$1800.00} When I called on XX/XX/XXXX to inquire why the unauthorized withdrawal from my checking account, the representative was unable to explain how that happened. I requested the unauthorized withdrawal be returned to my checking account. I was told it would take 3-10 days to verify that Bank of America had in fact received the funds and to return the funds to my checking account.
Consumer complaint received 2024-05-01
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. (CA)

I am writing to formally dispute unauthorized inquiries on my credit report, which I believe are a result of identity theft. Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. I demand immediate action to investigate and rectify this matter. 

The following unauthorized inquiries have been made on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please provide written confirmation once these unauthorized inquiries have been removed from my credit report. I also request a free copy of my updated credit report for my records.
Consumer complaint received 2024-05-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-17
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. (OR)

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Deletion of Unverified Items from Credit Report Dear TransUnion, I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous multiple written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after my multiple written requests is also evidence of your willful disregard of Federal Law. 

This will be my last and final warning. TransUnion has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the National Consumer Assistance Plan ( NCAP ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, TransUnion allows collection purposes only under specific conditions : Court Order : You must have a court order authorizing a consumer reporting agency to provide a consumer report. 
Consumer Authorization : Alternatively, you need written authorization from the debtor to obtain a consumer report.

Credit Transaction : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. 
Given that TransUnion has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : Account Name : DEPT OF JUSTICE Child Support Account Numbers : # XXXX, # XXXX, # XXXX Please consider this my final attempt to resolve this matter directly with TransUnion. If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies with the American Arbitration Association to enforce my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Opened my account with Charles Schwab on XXXX XXXX. I mobile deposited my tax refund check that was {$7300.00}. On XXXX XXXX recieved a email stating more information was needed to verify my account. On XX/XX/year> recieved an email stating my account is closed. I recieved several messages on XX/XX/XXXX XXXX regarding a declined application and my account being closed via email. From XX/XX/year> to XX/XX/year> i recieved several more emails stating my account is being closed and my applications were declined. I called and spoke with a representative by the name of XXXX I believe on XX/XX/year> who advised me that I just needed to speak with someone and the hold on my funds would be available XX/XX/year>. On XX/XX/XXXX I called and spoke with a representative by the name of XXXX if I am not mistaken and was informed that my account was being investigated by a different department. I received several emails stating my statements were available via email. From XXXX XXXX up until today I would continue to call and try to get the restrictions lifted. I would submit documentation via fax which included a Notorized letter confirming my identity and acknowledgment that I indeed opened the account. That is what was instructed of me from the fraud department at Charles Schwab in order to gain access to my account and funds. On XX/XX/XXXX I would receive an email stating an update would be made to my account within 3 days but could take longer. The Account Update reference number XXXX XXXX. A review of my account was in place. I would continue to call and get any kind or update but would get none. My account remains restricted with my available funds. I have completed the requested documents and been very patient. Still no update has been made with my account.
Consumer complaint received 2024-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/24 I received a hard credit inquiry from Capital One Bank without my consent. When calling the creditor on XX/XX/24, they are not able to find any information on me in their system to give additional information on the inquiry. I was directed to the credit bureaus to dispute, however, the credit bureaus direct me to the creditor to dispute the inquiry. I did not authorize this hard inquiry from Capital One, and believe this may be fraud.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

In XX/XX/year>, I opened a Coinbase account. Shortly after opening the account, I received a XXXX transfer of XXXX XXXX from another wallet into my Coinbase exchange account. However, when I attempted to access my account, I was informed that my account was under review. 

Coinbase contacted me through email with the case number # XXXX, requesting additional information to complete the review process. I promptly provided all the requested documentation, including sensitive personal information. Despite my compliance, I have not received any response or update from Coinbase regarding my account status or the transferred funds. This issue has persisted since XX/XX/year>, which is an unacceptable delay. 

I have sent multiple emails to Coinbase seeking clarification and assistance, but I have not received any meaningful replies. Furthermore, I recently received another email from Coinbase stating that I had 10 days to respond to a previous email, despite having already responded multiple times. 

This lack of communication and resolution is highly distressing and unacceptable. I request your assistance in urging Coinbase to address this matter.
Consumer complaint received 2018-05-15
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. (MO)

Called XXXX  and Equifax for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact XXXX XXXX.
Consumer complaint received 2024-05-22
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: Experian Information Solutions Inc. (FL)

To whom it XXXX concern, after going over my credit reports I found several issues. I have listed them below and asked that you please help me remove these inaccurate accounts. I have included my ID and social and an FTC report. Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$25000.00} 15 usc codes 1681c 1681b 1666b 1692c 1605ai
Consumer complaint received 2019-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc. (OH)

I live in XXXX, Ohio. On XX/XX/XXXX, I got an online 6 month loan from Advance America and found out that the interest I am being charged 332.78 % APR. My understanding is that they now must lower their rate to 26 % APR. I would like them to follow the new laws here in Ohio that were enacted in XXXX.
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Atlanticus Services Corporation (TX)

I am writing to file a formal complaint against XXXX, its sales representative and Fortiva regarding a troubling incident that occurred in XX/XX/year>. The issues I am facing include deceptive sales practices, unauthorized credit actions, and violations of my consumer rights. 

**Incident Summary : ** 1. **Deceptive Sales Practices : ** A XXXX sales representative visited my home and persistently pitched their services. He made numerous promises that later proved to be false. He assured me that I would be paying only for equipment and alarm service through XXXX. However, he failed to disclose critical details about a loan, a hard credit check, and involvement with a third party, Fortiva. 

2. **Unauthorized Credit Actions : ** The sales representative instructed me to swipe through links on my phone and take pictures of my ID and a selfie. He claimed this was for identity verification. He then swiped through various pages explaining them which were false. Contrary to his statements, a hard credit check was performed without my consent, and a {$4000.00} line of credit was opened with Fortiva. This amount far exceeds the cost of equipment based on XXXX  own pricing and was not disclosed to me at any time during the sales process. 

3. **Violation of Consumer Rights : ** The representative misled me about the nature of the transaction and the credit implications. I was led to believe that only a soft credit check was involved and that no loans or lines of credit were necessary. As a result of the hard credit pull, my credit score dropped by nearly 30 points. 

**Attempts to Resolve : ** I have reached out to the sales representative multiple times via calls and texts, but he has not responded. I have also obtained screenshots of my texts questioning his false statements and the discrepancies in the sales process, as well him using a different name to sell XXXX then the name used with me which raises concerns about the legitimacy and transparency of his practices. 

**Requested Action : ** I respectfully request that the CFPB : 1. Investigate this matter and take appropriate action against XXXX and Fortiva for their sales representatives deceptive practices. 
2. Assist in removing the unauthorized line of credit with Fortiva and from my credit report.

3. Ensure that the hard credit check conducted without proper disclosure is removed from my credit report. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to address these issues and protect consumers from such unethical practices.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One closed my credit back back in XX/XX/year> and never gave me an explanation. I never received a bill or anything in the mail. I filed XXXX disputes on XX/XX/year> and did not receive anything about the disputes. 

I logged into my account XXXX weeks ago and see there are XXXX late fees and the XXXX disputes were NEVER investigated. This is unacceptable. I want those fees removed and the XXXX disputes investigated. 

I tried to call 4 times today XX/XX/year> and was told they could not access my account ending in XXXX. I chatted with XXXX people that told me they could not access my account even though I was logged into my account.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.
Consumer complaint received 2024-08-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc. (IL)

I am writing to dispute the following information in my file. I have reviewed my credit report and identified inaccurate or outdated information that I would like to have corrected or removed under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.