davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-25
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 (NY)

I recently received my credit report and noticed an account that was not reporting accurately. I had two late payments on an account [ account number XXXX ] that was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l 'm now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.
Consumer complaint received 2024-06-19
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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account not been late on any payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) .I 'm now requesting you investigate this account and update these payments to paid on time immediately Thank You for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (GA)

I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.
Consumer complaint received 2024-06-19
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-11-20
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. (IN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

CapitalOne/Pottery Barn statement dated XXXX XX/XX/year> ; paid full balance of {$2500.00} on XXXX XX/XX/year>. On XXXX XX/XX/year>, received email statement from CapitalOne/Pottery Barn that a balance of {$13.00} was due by XXXX XX/XX/year>. Balance was for Interest Charged on account. 

Called Capital One to ask why I was charged interest on XXXX balance ; rep said that interest starts accruing on the account at the beginning of each billing period. In other words, additional interest starts accruing the day they send me a statement. My concern is that CapitalOne/Pottery Barn will continue to charge additional interest on the account since a new billing period has already started. 

I made the required payment while online with the representative, which they confirmed showed on the account. I requested the account to be closed and a formal complaint be registered. The rep then proceeded to tell me that I had to agree to all their disclosures before the account would be closed. A supervising rep repeated all the above ; I agreed and repeated my request for the account to be closed. CapitalOne/Pottery Barn then kept asking me if I wanted the account closed. I emphasized that I had asked repeatedly for the account to be closed. 

This is not the way to treat consumers!
Consumer complaint received 2024-06-19
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 did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XX/XX/XXXX - XXXX {$6500.00} XX/XX/XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XX/XX/XXXX XXXX {$1300.00}XX/XX/XXXXXXXX {$2400.00} XX/XX/XXXXXXXX {$5600.00} XX/XX/XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXX/XX/XXXXXXXX {$1100.00} XXXXXX/XX/XXXXXXXX {$6000.00} XXXX XX/XX/XXXXXXXX {$1400.00} XXXXXX/XX/XXXXXXXX {$38000.00} XX/XX/XXXXXXXX {$1600.00} XXXXXX/XX/XXXX XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XX/XX/XXXXXXXX {$9300.00} XXXX - XXXX Accounts XX/XX/XXXXXXXX {$3900.00} XX/XX/XXXXXXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XXXX {$1100.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX - XXXX {$1500.00}XX/XX/XXXXXXXXXX/XX/XXXX XXXX {$1500.00}
Consumer complaint received 2024-06-19
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. (TX)

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.

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 informationisinaccurate.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

Request to Remove Charge-Off from Credit Report I am writing to request the removal of a charge-off from my credit report, as it was reported in error. The account in question was XXXX XXXX with Apple card XXXX Goldman Sachs XXXX XXXX and I have obtained a letter from them stating that the charge-off was a mistake due to an error in my name. 

The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ensure the accuracy and fairness of credit reports. Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that you investigate this matter and remove the charge-off from my credit report. 

The details of the error are as follows : * Account Name : XXXX XXXX * Company Name : Apple card ( Goldman Sachs XXXX XXXX Error 1 : CHARGE-OFF REPORT DUE TO INCORRECT INFORMATION ( LAST NAME SPELL WRONGLY ONTILL I DISPUTED ) * Error XXXX : INCORRECT REPORT FOR THE MONTH OF XXXX ( I PAID OFF ALL CHARGE OFF XX/XX/XXXX ) * Error 3 : INACCURANT REPORT TO THE THREE BUREAU 'S ( SHOWING LAST PAYMENT WITH DIFFERENT DATE AND INACCURANT REPORT WITH SOME REPORT HAVING NO CHARGE-OFF HISTORY WHILE OTHERS HAVE HISTORY ) - Supporting Documentation : Enclosed is a letter from Apple card ( Goldman Sachs ) XXXXonfirming the error and correction after dispute.

I would appreciate it if you could expedite this matter and remove the charge-off from my credit report as soon as possible. Please confirm in writing once the correction has been made. 

Thanks, XXXX
Consumer complaint received 2024-06-25
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: ALLY FINANCIAL INC. (TN)

unauthorized unrecognized inquires and accounts are on my report, XXXX XXXX XXXX XXXX XXXX ally financial XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
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. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 U.S.C 1681 section 602 A : I have a right to privacy. This code was violated by all the above accounts.

According to 15 U.S.C 1681 section 604 A ( 2 ) : Can not furnish without my written instructions. This code was violated by all the above accounts.

According to 15 U.S.C 1681s-2 : Any person can not furnish inaccurate information relating to consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. This code was violated by all the above accounts.
Consumer complaint received 2024-06-25
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 (TX)

I sent letters to all 3 credit bureaus requesting accuracy and of disputes verification. Requested 3 times for items to be deleted. I requested names of individuals who verified info from their company. They did not provide info. They did not able to Section 611 ( 5 ) ( A ) of FCRA. They failed to comply with section 616 and 617 regarding civil liability. I demanded deletion of accounts I listed. I sent all mail via certified mail and have all receipts from post office. I mailed letters to credit bureaus on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I also sent letters via certified mail to each individual company requesting verification and deletion on XX/XX/XXXX. I have receipts from post office, as well.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (DE)

Unauthorized credit inquiries and a fraudulently opened account currently in collections. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX bank - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have sent a dispute to this company in XXXX and in XXXX and received no response from the credit bureau. I contacted some of these companies directly and they have removed the account off my credit report and closed the accounts that do not belong to me. I sent this information along to the credit bureau and they refuse to remove it off my credit reports. I also sent a dispute back in XXXX all via mail and receive no response or updates from the credit bureau. They are reporting incorrect information that they refuse to remove and this is a violation of my rights.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (FL)

Lender initially pre approved me with a congratulations later but loan officer was very rude and XXXX on the phone. 2 days later the same loan officer denied my application with no valid reason. 
I bank with Nfcu for years. 
I had a an FHA loan in 2012 and paid it on time and completely. 
I have good credit but despite all this today navy federal credit union sent a letter denying my application.
Consumer complaint received 2024-08-16
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)

My persistent efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to have a profound negative impact on my life, causing significant emotional distress. I must emphasize that I never authorized or consented to the inclusion of this information in my file, as I have been a victim of identity theft.
Consumer complaint received 2024-06-19
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. (TX)

I have late payments showing on my credit report from XX/XX/XXXX to XX/XX/XXXX and this company is indeed misinforming the credit bearus on transition its saying ive been late since XXXX and that ive paid on XXXX and on XXXX its saying that I haven't paid since XXXX this account is showing plenty of innacurate information from the date the account was opened to when it was closed none of the information is matching through all 3 credit beaurus update my account to paid on time never late and update it through all 3 beaurus
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report.TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2024 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal of Duplicate Reporting of Charged-Off Account Dear Sir/Madam, I am writing to formally request the removal of a charged-off account that is being inaccurately reported twice on my credit report. This account, which has been sold to XXXX XXXX, is listed both as a charge-off by Capital One and as a collection account by XXXX XXXX. This duplicate reporting is not only inaccurate but also a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on credit reports must be accurate and not misleading. 

The details of the account are as follows : XXXX. **Original Creditor : ** Capital One XXXX. **Account Number : ** XXXX XXXX. **Collection Agency : ** XXXX XXXX According to the FCRA , specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information on my credit report. Reporting the same debt twiceonce by Capital One and once by the collection agencyconstitutes inaccurate and misleading information. 

I request that Capital One immediately correct this error by removing the charged-off account from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (VA)

Bank accounts were opened in person at Truist with a driver 's license, XXXX documentation, articles of incorporation and an XXXX We have multiple other business accounts with Truist. 

Truist sent a letter informing us of " fraudulent '' activity and were investigation. Despite multiple attempts to rectify the situation, Truist unilaterally closed the accounts, held the funds for multiple weeks and closed the accounts. Funds have not been received as of this complaint. 

Truist is unilaterally using their sole discretion to close any account for any reason as a lame attempt to provide proper disclosure statements to customers thereby economically damaging small businesses.