davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY (CT)

I took out a personal loan from American Express at the end of XX/XX/2023. The monthly payments as indicated on the Truth in Lending disclosure are {$620.00}. My first payment was due on XX/XX/XXXX, and the amount indicated on the bill was {$790.00}. I contacted Amex twice in XXXX about the discrepancy. They indicated they were aware and would resolve it, and to pay the amount indicated on the truth in lending disclosure by the due date. They would resolve it and I would not be liable for any late fees. 

I made the payment for {$620.00} on XX/XX/XXXX as required. I have a late fee on my account of {$39.00} as well. I called Amex again this evening, and they still tell me they are aware of it and it will be resolved, but I have very little confidence in this. At this point, I am concerned about my account being reported as delinquent / late to the credit reporting agencies. I have called Amex XXXX times in XXXX weeks, each time being assured that they would resolve this discrepancy but there has been no progress. They are billing me more than agreed upon in the Truth in Lending statement and not offering a timely resolution. Thanks.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax is reporting an account containing fraudulent charges after providing them with relevant data. ( Dispute and Police Reports ) They responded saying that the account is verified. I reached out to the creditor and all they can tell me is that the account has information matching a public record pertaining to me. The account or the charges can't be verified, only providing billing statements.
Consumer complaint received 2023-10-31
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. (OH)

Transunion refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Transunion accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!
Consumer complaint received 2023-04-14
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. (LA)

These account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account Immediately
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, ZILCH, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). 

Here are the accounts in error : XXXX XXXX XXXX XXXX XXXX  Delete this erroneous account IMMEDIATELY! 

Also, pursuant to 15 USC, section 168li ( d ), please notify me in writing when these accounts have been removed or corrected. 

Thank you so very much for your help and support.
Consumer complaint received 2024-04-22
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. (AL)

I have several unauthorized hard inquiries on my credit report. The account names and dates of the unauthorized inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

At first, I had a payment to make but was unaware that credit cards were not an acceptable payment method. I notified the credit card company about the issue, and they promised to send a letter regarding the matter. However, I did not receive any correspondence, so I contacted them again. This led to a second investigation, which took two months to resolve. During this time, late fees and interest were added to the balance owed. Eventually, I paid the full amount, which was initially $ XXXX, but due to the additional charges, it amounted to $ XXXX by the due date of XX/XX/2023. After paying the balance on XX/XX/2023, I requested that they close my account, which they did successfully. However, I was surprised to receive bills again, including interest and late fees that I can not identify. I have already paid the entire balance, and these new charges feel like harassment. Despite paying everything on time, I continue to receive bills with increasing amounts every month.
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (PA)

On XXXX I sent {$50.00} to XXXX XXXX in XXXX via SENDWAVE. It happened that XXXX XXXXXXXX XXXX account was closed so, I sent another {$50.00} to his other account that was open. I then, requested a refund from Sendwave and they told me that they are contacting XXXX in XXXX to ask for reversal. XXXX told me that XXXX says the money has been paid. I asked for a proof of payment and it has not been provided. XXXX XXXX has been going to the XXXX office, and each time he goes there, they tell him a different story. So now, all I want is my money back from Sendwave, and they can take their time to deal with XXXX.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX altered my Nj state drivers license XXXX XXXX Stole my SS Card XXXX XXXX XXXX I cd XXXX and went to police station they stated they have the body cam footage of her stealing my DL. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj The FBI is aware of this incident and refused to arrest XXXX XXXX XXXX today for using my DL and XXXX XXXX card, XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX credit card XXXX XXXX credit card XXXX credit card XXXX credit card XXXX XXXX account she walked into the branch in XXXX XXXX XXXX {$20000.00} ( {$5000.00} a week she withdrew from my account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} for equipment modem cable boxes home landline phone XXXXXXXX XXXX phone {$1000.00}
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

During the time of XXXX my identify, bank card and cellular device was stolen. Once i finally was able to retrieve my belongs i realize that my debit card with boa was stolen as well. When i contacted them they told me i had no worries because my card was frozen. At that time i also told them I didnt have access to my login id. They lady i spoke with told me well my card is frozen so nothing will be coming into or out my account. She also told me my account doesnt look like its going to be closed and if so, wait until Wednesday to hear back from them and if no call or email then my account will be re open. That very day Wednesday i called and spoke with someone told them what the lady told me and they had told me well i dont know why that information was related my account was officially closed. I asked why and they said because a check. I then begin to ask questions because I was very confused if they were talking about about my direct deposit from my job. I ask them well what can i do about my account and funds and they advise me my money will be mailed and no longer want to do busy with me very rudely. And my social is report on the blacklist for stolen check that i was never aware of. Exactly XX/XX/2018 my account was closed without me knowing anything and until this day my funds are still not being issued to me all because a check was out into account at the time my identity and belongs were stolen.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (MD)

ive had some good standing accounts deleted off my credit report not sure if it was by accident so i have contacted Experian and they have refused to fix the issue i have attached a copy of a previous report from XXXX as evidence
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NV)

On or about XX/XX/XXXX I applied for a Wells Fargo Active Cash Visa card. I am XXXX years old and I do not recall ever being late on a payment my whole life and normally I pay all credit card balances in full each month on or before the due date. I have over a 800 credit score and I have about 5 active credit cards, all of which will vouch for my credit history. I do not have a mortgage on my home so debt ratios are not a factor. 
Wells Fargo about two weeks later, sent me an email asking me to provide W2 's and I presumed this was due to age discrimination since they clearly could determine by my credit report that my credit score is over 800 and there had never been any late payments or defaults. I called Wells Fargo and informed them I wished to withdraw my credit application as I was not going to submit W2 's due to my credit score and record. I was concerned about impacting my flawless credit and thus the reason for the withdrawal request. Wells Fargo would not give me an answer over the phone. 
ON XX/XX/XXXX, I received a denial of credit notice from Wells Fargo. I replied back via email and the message bounced back. I then called Wells Fargo and told them I was going to file a complaint with the CFPB and the OCC. They said they would get back to me and I have not heard back. This is clearly age discrimination and their refusal to not allow me to withdraw my application will impact my impeccable credit history. The simple solution is to allow my credit application to be withdrawn and this problem goes away but Wells Fargo chose to force me to file complaints with both the OCC and the CFPB. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Nv XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2024-04-22
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've served a dispute to XXXX XXXX XXXX a debt validation letter ( XXXX XXXX XXXX XXXX  ). This validation included a cease and desist on all communications regarding the alleged debt. The account should not appear on my credit report until it has been successfully validated.
Consumer complaint received 2023-11-01
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. (OH)

Equifax refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Equifax accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (HI)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. This inaccurate item is not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete the late payment from this account. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. Also take note that, I am the person making this complaint & I give cfpb authority to investigate this claim.
Consumer complaint received 2024-04-22
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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

In accordance with the Fair Credit Report Act these accounts below have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The listed false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.