davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-24
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. (TX)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it's supposed to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX is not complete and it's not accurate. 

I had placed a call into XXXXXXXX XXXX back in XXXX XXXX XXXXXXXX and spoke with a customer service representative to ask if they could work with my monthly payment due to a decrease in income due to COVID and the pandemic. They stated that they could offer a plan to break up the payments and defer some payments. I asked if this would negatively impact my credit and I was assured that it would NOT. I had not realized that months later they continued to report my account late. This was after assuring me on more than one occasion calling in that they would not be reporting anything late to the credit bureaus. I was shocked to find that they still did ( they reported a balance of {$4300.00} as well as several 30 day lates and a charge off ) given the unforseen circumstances with COVID and my huge loss of income at the time. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit. 

I sent a letter on XX/XX/XXXX, asking them to reinvestigate this account and here are my tracking numbers : XXXX and XXXX I got the investigation back but noticed nothing was modified or updated. I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 168117.
Consumer complaint received 2023-10-20
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. (MD)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00}
Consumer complaint received 2023-10-20
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (NC)

I receive an email regarding a debt from previous credit union, that I owe {$210.00}. I immediately called XXXX XXXX XXXXXXXX XXXX to ask why I was receiving a letter saying I owe an amount that is inaccurate and that the account have been inactive for several months with XXXX US dollars. They replied that the amount was accurate and that they closed the account. Furthermore, that they couldn't discuss further since the debt was adjusted and moved into the hands of a debt collector. That discontinue the phone call. 

They couldn't explain to me where the amount came from or anything. Basically, told me to contact the debt collector for further information. 
I have received numerous emails from debt collectors about this amount. Recently, checked my credit report, here there was reporting of inaccurate information.

This is a violation of 15 U.S. code 1692, 15 U.S. code 1692 ( C ) ( A ), 15 U.S. code 1692 ( F ) ( 8 ) and 15 U.S. code 1692 ( F ) ( 7 ). As XXXX XXXX XXXXXXXX XXXX and Kinum violated my right to privacy.
Consumer complaint received 2024-05-24
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. (TX)

I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the accounts XXXX XXXX XXXXXXXX ( XXXX, XXXX, XXXX ). Furthermore, the disputed accounts were never verified, and XXXX and XXXX have deleted these accounts. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped. As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. You also failed to respond to my last cfpb complaint XXXX about this dispute.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} HWY XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments ) be updated to paid on time according to these U.S. laws. 

Please update account XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (NC)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visiXXXX XXXX XXXX XXXX  or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-08-21
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: PENTAGON FEDERAL CREDIT UNION (AZ)

My credit report shows two hard inquiries from Pentagon CU ( PenFed ). I have never heard of this credit union and there isn't even one in my state ( Arizona ). I have NO communication from PenFed regarding this " auto refinance loan '' they claim I requested ( no emails showing I initiated this loan, no emails showing the outcome of supposed loan I applied for ). They state I consented to my credit being pulled for an auto refinance loan. I requested multiple times for proof that their " records '' show me consenting to these credit pulls ( because I did not consent ) and they have failed to respond with any proof. I requested the supposed application I submitted and nothing provided. They simply keep saying their " records '' show that I consented. They eventually stopped responding after I kept asking for proof. Consumers be wary of this credit agency as they are taking people 's information and pulling their credit fraudulently.
Consumer complaint received 2024-01-27
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. (IN)

Like I've already stated in my complaints about all 3 bureaus. They replied to CFPB And all 3 replied to my complaints the CfPB submitted last week and today that they ate still working on the issues. They said that last week to CFPB and i have documents with dates from all three that my dispute results are completed. I am XXXX. And I want to proceed with civil or criminal action for compensation for their negligence in their investigations
Consumer complaint received 2024-08-07
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (IN)

On XXXXXXXX XXXX  my card and my sons card were hacked and used ive tried call direct express and ive been on hold since XXXX and nothing has been done. both our XXXX XXXX are on those cards and im getting the run around! over XXXX is lost and i dont know XXXX to do? my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX im at a loss I have bills and dont know what to do? I pray you can help me. 



your, XXXX XXXX
Consumer complaint received 2024-05-24
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I looked at my XXXX credit report on XX/XX/XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NH)

On XX/XX/XXXX at approximately XXXX XXXX Eastern, I received 3 emails regarding information that had been updated on 3 Synchrony accounts ( American Eagle, Score Rewards/Dick 's Sporting Goods and Verizon ) XXXX These emails indicated my phone number had been updated on these 3 accounts. I did not make any account information changes. Around XXXX XXXX Eastern, I called customer service for American Eagle card and spoke to an offshore representative named XXXX ( Extension XXXX ). He indicated there was not a phone number on file for my AE account and added the number provided. He also checked the other 2 Synchrony accounts listed and informed me there was not a phone number listed on either account. He also added this number. There have not been any suspicious transactions on these accounts. He was unable to provide any information about the emails other than they may be a phishing attempt. He was unable to confirm the email from which they were sent ( XXXX ). 

I informed XXXX that when attempting to edit personal information via my AE credit card account profile, it was prompting a one-time passcode be sent to one of three phone numbers ending in XXXX, XXXX or XXXX, none of which are my phone numbers. He was unable to provide an explanation and transferred the call to another department, where I was unable to speak with a representatives. I have since noticed the Score Rewards and Verizon accounts are prompting passcodes to be sent to these same numbers when attempting to edit personal information via those accounts. I am concerned about privacy and information being compromised. Synchrony needs to provide an explanation about why 3 accounts are prompting passcodes to be sent to number which are not mine.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid 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 (FL)

I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX . How I could owe $XXXX when I never received the card in the mail.
Consumer complaint received 2024-05-24
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. (TX)

I notified Equifax that the account XXXX is reporting without the name of the creditor and they failed to remove this account or explain how this was verified. They responded to CFPB complaint XXXX stating that THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. The item is still reporting, and I will attach my XX/XX/2024 credit report for your reference. Furthermore, you failed to notate this account was in dispute within 30 days now this account in violation. Per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), you failed to provide me with the names and business addresses of each individual who verified the aforementioned item. XXXX and XXXX deleted this unverified account. Please see the attached credit report which shows that there is no creditor and no notation of a dispute and remove the account XXXX from my credit report.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company
Consumer complaint received 2024-05-24
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. (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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal made a serious error that they submitted to XXXX XXXX my name social security number, with my zip code, and phone number. This makes my identify compromised for identify theft. This is of huge concern as I have already experienced such a situation and it cost me money time, and impacted my credit in a negative manner. I had to deal with attorneys and to this date I have attorneys that I dealt with that tried to collect money from me that was not mine. I still have an address that I never lived at and it took me a long time to get corrected. This is all being done by Navy Federal Credit Union. They want to make this my problem to monitor and manage this event though this was 100 % their fault and has a chance that the black web or anyone else could harm me.
Consumer complaint received 2024-05-24
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. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-05-24
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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX