davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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 appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there is still an account that needs to be DELETED. The credit bureaus must verify these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this account will be DELETED immediately. 

XXXX XXXX
Consumer complaint received 2024-04-23
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Formal Complaint Regarding Credit Reporting Error and Request for Immediate Correction To Whom It May Concern, I am writing to file a formal complaint regarding a significant error in my credit report and to request immediate correction of the matter. My name is XXXX XXXX, and I have been a responsible borrower with an extensive credit history spanning over 24 years. 

The issue at hand pertains to the erroneous removal of my student loans from XXXX by TransUnion, which has resulted in adverse effects on my credit score and overall financial well-being. Despite my student loans being in good standing and paid as agreed, Trans Union has inaccurately omitted them from my credit report, thus significantly impacting the average age of my credit accounts and the length of my credit history. 

As per Section 609 of the Fair Credit Reporting Act, I am entitled to accurate and up-to-date information on my credit report. It is imperative that my credit report reflects the true status of my accounts, including my student loans with XXXX, which have been faithfully serviced and maintained over the years. 

Furthermore, the removal of these accounts has led XXXX to incorrectly calculate the length of my credit history, stating that I have only had 4 years and 8 months of credit history. This is grossly inaccurate, as I have been an active and responsible borrower for nearly 25 years. 

I hereby request the following actions to be taken immediately : 1. The reinstatement of my student loans from XXXX onto my credit report, reflecting their true status as paid as agreed and in good standing. 
2. Correction of the inaccurate calculation of the length of my credit history to accurately reflect my extensive credit tenure of nearly 25 years.

3. An investigation into the oversight that led to the erroneous removal of my student loans and the implementation of measures to prevent such errors from occurring in the future. 

Additionally, I urge Trans Union to consider the potential negative impact of this error on my credit score and overall financial standing. The inaccurate reporting of my credit history could result in unjust consequences, including higher interest rates, limited access to credit, and other adverse effects. 

I have attached relevant documentation, including statements from XXXX confirming the status of my student loans, to support my claim. I kindly request that Trans Union and the Consumer Financial Protection Bureau expedite the resolution of this matter and provide me with updates on the progress of the investigation. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current (NY)

During XXXX of XXXX I noticed that an account had been opened under my name with Current ( Finco Financial Services , Inc. ) in a fraudulent manner. I had never heard of the Company, nor did I choose to open the account. I asked if there where any charges or opened the account, they refused to provide the information. I requested it through certified mail and requested the information under Section 623 ( a ) ( 1 ) ( b ) of the Fair Credit Reporting Act and received no response. Additionally, I have asked them to close it and remove it from my credit report multiple times. It is still appearing on my credit report and they claim there is nothing else they can do. This Company is utterly irresponsible and should not be in business. They do not have the capacity to service individual 's personal and financial information. They do not even require a SSN to open an account. So any one could open an account in someone else 's name with limited information.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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)

In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including XXXX, XXXX, and Equifax, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

These actions were taken to mitigate the damage caused by this incident and to prevent further misuse of my personal information. I am seeking the immediate removal of this fraudulent account from all records and assurance that measures are put in place to protect against future incidents of identity theft. 

The accounts and inquries that are the result of fraud are below ; Account : XXXX XXXX XXXX {$51000.00} Balance updated XX/XX/XXXX Original balance {$79000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (CA)

I contacted One Main Financial to notify them that I was wanting to pay my debt in full. I was given a phone number to call after they informed me that they weren't able to give me an account number or any other information Associated to my account. I called that phone number and was told the same thing and given another phone number. I called that phone number and it was a Spam recording that was trying to make me take a XXXX XXXX bracelet. I've made several attempts to pay this account in full and have been unsuccessful. XXXX & XXXX. I also called the number listed on XXXX XXXX. XXXX.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NV)

I haven't used the Credit Card for more than 20 months, I received the offer on XX/XX/year>, will earn {$300.00} statement credit when I make {$500.00} or more eligible purchases from XXXX XX/XX/year> or they will close the account. The previous purchase total of {$360.00} through XX/XX/year>. I purchased the air pod at XXXX in the amount of $ XXXXon XXXX received the item on XX/XX/year>. XXXX sent me the invoice that billed to my Credit Card and copy of delivered notice XX/XX/year>. I did not purchase it on XX/XX/year>. The merchant will not charge my credit card after the item was delivered it to me. I reviewed the statements and all the previous purchase dates were different than the actual purchase date. I reached out to Citibank and the agent told me that I purchased the item on XX/XX/year>. I didn't agree with that so I requested to speak with the supervisor. The supervisor told me that when I purchase the stuff on the actual date, the transactions will be posted to the card in 2 days later and then retroactive to the date that I purchased. I attached the copy of the invoice and delivered notice from XXXX. The supervisor told me that I purchased the item on XX/XX/year> and it's not true. The supervisor hung up on me and wasn't professional.
Consumer complaint received 2024-04-23
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. (IN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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. (SC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I sent Capital One a letter in the mail stating that I didn't agree with there decision on not approving my application for a credit card. I sent them a letter certified mail asking them to reassess my consumer credit transaction and approve my application as a denial is unlawful. They sent me a vague letter responding to my initial letter asking me to contact them about the matter and when I did they couldn't find my application.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one reporting a balance on a sold charged off account asking for a balance and collections also asking for a balance. I never said the account was not mine I asked for validation. Please focus on you reporting a balance on a charge off sold account. Where is my 1099? You can't report income on my credit file.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/31 I received a noticed In The mail stating all my banking accounts including checking, savings and credit cards were being closed without any explanation. I pay all my bills on time and have been a chase customer for almost 20 year and I have had multiple loans with them. I have regular recurring transactions with the bank nothing that would be consider suspicious just paycheck deposits, loans, loan payments, credit card payments. I dont understand why my accounts are being closed and Chase never offered an explanation or a chance for me to defend myself against any reasoning they might have to close my accounts.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

To Whom It May Concern My XXXX credit card history has not updated on my consumer credit report since XX/XX/XXXX On my billing cycle for XXXX I had a new balance of {$3800.00} the payment was due by XX/XX/XXXX I paid the balance in full on XX/XX/XXXX from my personal bank account ending in XXXX. 

My account number thats on my billing statement and the balance latter is XXXX but the account number thats being reported to EQUIFAX, XXXX XXXX XXXX is XXXX XXXX XXXX XXXX has been reporting this inaccurate account number to EQUIFAX, XXXX & XXXX since XX/XX/XXXX. 

My credit score has been negatively impacted due to the inaccurate reporting for the past two years. 

Please ( UPDATED ) the correct account number XXXX to EQUIFAX, XXXX XXXX XXXX immediately to a XXXX balance!!! 

Also my credit card statement from XXXX has a new balance of $ XXXX I have reached out to XXXX credit card support team on several occasions for balance letters while inquiring when the credit card XXXX balance will update not knowing XXXX has been reporting the incorrect account information on my consumer credit report. It has already been 2 full months and 2 week since XXXX last update to my consumer, credit report which includes XXXX, Equifax, and XXXX. 

Ive notified XXXX support services XXXX, Equifax, XXXX through a certified letters with tracking to support my claim. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U. S. C. 1681s-2 et seq., including but not limited to : Accuracy and fairness of credit reporting according to 15 U. S. C. 1681 Section 602 ( a ) Reporting information with actual knowledge of errors : 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. 

Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency. 

( i ) If the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( XXXX ) Duty to correct and update information : XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies * Accurate Account Number # XXXX Thats on my statements each month for the past 2 years. 

* Inaccurate Account Number # XXXX thats reporting on my consumer report for the past 2 years. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

XX/XX/XXXX in the amount of {$620.00} and XXXX in the amount of {$880.00} I attempted to reach out to them to ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
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. (FL)

I looked at my report back on XX/XX/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. 
transunion and XXXX These accounts : XXXX XXXX XXXX  Last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

If, 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, And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I Totaled my XXXX XXXX. 
I was given a XXXX dollar check on XX/XX/XXXX  I was then told on the XXXX that my money WILL NOT BE AVAILABLE UNTIL XX/XX/XXXX This us an insurance check drawn XXXX XXXXXXXX XXXX. My adjustor wrote the check and yesterday MONDAY XX/XX/ The check cleared his bank. I told BANK OF AMERICA. and yet they refuse to help me. I also called XXXX XXXX and they gave me a phone number for BANK OF AMERICA TO CALL and fix this totally messed up situation., Again they refused to call XXXXXXXX XXXX XXXX 

Bank Of America is stopping me from vuyung a vehicle, I cant go to work without a vehicle and I'm in jeapordy of losing my job THUS IS TOTALLY UNACCEPTABLE. Bank Of America refuses to release my XXXX dollars and I'm being unjustly persecuted and may very well lose my job because if ut
Consumer complaint received 2023-12-11
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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.