davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hi, I have had a creadit score around XXXX for over a year now. ( adding report attached ) I recently submitted a dispute through experian regarding what I believed to be the biggest reason why the score was not hitting XXXX, which was a false claim from XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. 
Today, I receive a notification from Experian that my score decreased XXXX points. 
I suspect this is either an error or a result of actions of retaliation post my dispute either by Experian or the XXXX account. 
.I was not offered information in regards to the decision either. I look forward to your help. 
I have worked very hard to build my score and this is beyond unacceptable. 
Thank you so much
Consumer complaint received 2023-12-07
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. (NJ)

I have opened several disputes regarding incorrect reporting for XXXX years for XXXX and XXXX Account # ending XXXX, that was closed by the merchant in XX/XX/XXXX, due to the store closing. The account was never late since it was opened in XXXX. In XXXX I called the merchant to request a settlement for the balance since the account was already closed, and I was approved and made the agreed payments on time. The final payment was made in XX/XX/XXXX, as agreed. It appears XXXX XXXX has been reporting the account as a charge-off due to delinquent payments even after I have provided all pertinent documents to prove the on-time payments, including receipt of payments for XX/XX/XXXX thru XX/XX/XXXX on bank statements, company statements, and also the many letters I have received from XXXX XXXX with conflicting account states of both never late and past due which I have included again in this complaint as well of my current credit reports from Experian reporting excellent payment history but still reporting late payments, and XXXX reporting the account XXXX XXXX  information and delinquent. When I spoke to a XXXX XXXX XXXX at XXXX XXXX regarding Case # XXXX @ XXXX XXXX XXXX, I was advised XXXX # XXXX was sent to all three credit bureaus reporting no late payments. Settled prior to charge-off with XXXX rating, however I received a letter dated XX/XX/XXXX, showing when I agreed to the settlement the account was past due, which was incorrect. This error has continued to affect my credit worthiness, and I have not been able to secure a loan causing a hardship. I would like the issue to be re-investigated and be forwarded information from the investigation ex. dates of late payments that proves the delinquency and resolution. I would also appreciate the reporting be corrected once and for all. Please refer to CFPB complaints XXXX, XXXX, XXXX from XX/XX/XXXX. Thank you.
Consumer complaint received 2022-12-08
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: Avant Holding Company, Inc. (GA)

Hi my identity has been stolen through the XXXX XXXX XXXX XXXX a doctor 's office as well as my computer has been haked. I made a police report when my home computer was hacked on XX/XX/2021 I made a police report I explained to the officer that my home computer was hacked and compromised. He told me to report the idenity theft to all credit agenices I contacted them and i saw that there was a few accounts opened in my name that i did not open I desupted these account contacted the creditors and they refused to take action leaving these accounts open and they are still on my XXXX XXXX  account is called XXXX/AVANT, XXXX XXXX XXXX has a open account in my name and I can not get these creditors to remove these fraudalent accounts off my credit I placed credit monitor and a credit freeze on my account please assist me in this matter I would truely appreciate it Thanks
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, 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 am writing to bring to your attention a serious violation of my consumer rights by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently discovered that XXXX XXXX has unlawfully reported an alleged debt to my consumer reports. This letter serves as a formal complaint and a request for immediate action to rectify this situation. 

According to the New Rule REGULATION, which took effect on XX/XX/2021, XXXX XXXX XXXX XXXX, by parking this alleged debt on my consumer reports, has violated the FDCPA 1006.30a and its new rule. This action is in clear violation of my rights as a consumer, and I demand that XXXX XXXX cease and desist the reporting of this alleged debt without any further delay. Failure to comply with this request will leave me with no choice but to escalate this matter by taking legal action. 

I would like to emphasize that I have not given XXXX XXXX XXXX XXXX written permission to include any information on my credit profile, as mandated by 15 USC 168162. Therefore, XXXX XXXX has no permissible purpose, by law, to contact third parties or disclose my private or personal information. By doing so, XXXX XXXX has committed offenses that amount to Aggravated Identity Theft, as outlined in 18 US.C. 1028A. Knowingly transferring, possessing, or using my means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

As a litigious consumer, I am fully prepared to take legal action against XXXX XXXX XXXX XXXX if necessary to protect my rights and seek appropriate remedies. I urge you to investigate this matter promptly and take appropriate action against XXXX XXXX for their violation of consumer rights. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough review of this complaint and ensure that XXXX XXXX is held accountable for their actions. Furthermore, I would appreciate your assistance in expediting the process and securing the deletion of the inaccurate information from my consumer reports, as well as verifying the debt with a wet signature as required by law. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-27
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. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-12-07
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)

TransUnion published a negative report on my credit report provided by a collections company called XXXX XXXX XXXX XXXX This collections company provided a report that is untrue and unverified by them. There are no court rulings or any other proof of this debt, which they claim is in the amount of {$340.00}. I do not understand why TransUnion would publish this without proof.
Consumer complaint received 2023-11-03
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. (MI)

Delete XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 

Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$330.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$180.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$82.00} Account Name XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$78.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$27000.00} Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$650.00} Account Name XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1200.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Name XXXX Account Number XXXX Date Opened XX/XX/XXXX Balance {$73.00}
Consumer complaint received 2024-03-13
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: CITIBANK, N.A. (MD)

Wednesday XXXX XXXX XX/XX/XXXX and the XXXX or XXXX day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.
Consumer complaint received 2023-09-27
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. (AZ)

Case has been opened and closed, and I have yet to receive proof and documents from company as stated in letter.

According to Section 609 ( a ) ( 1 ) ( A ) states requirements including signature, and also verification as required under Section 611 ( a ) ( 7 ) Please see attached
Consumer complaint received 2023-09-03
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was on unemployment and Bank of America apparently sent my card to the wrong address. I never received the card so I figured it got lost in the mail and it wasnt a big deal that I would have the money when my savings ran out. I continuing to do my weekly certifications as usual but when I called to get my card they had said that it was sent to the wrong adresses, activated, and was drained of most of the funds in my account. I have no idea what adress they sent it to. The address it was sent to was never a address of mine nor did I ever tell the bank I lived there so it makes no sense why Bank of America isnt giving me the money that was stolen from me which I seriously need at this point. Every time I call the bank they tell me to call back later and their system is under maintenance. I have been fighting this for years
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (VA)

I attempted to transfer money out of my account because they didnt have phone numbers and response took forever. There was no way to escalate an issue or even call them. When I went to transfer money out they froze my account for fraud. But yet havent contacted me. 

I tried to transfer the money out on XX/XX/XXXX. In the amount XXXX twice. 

The bank is a subsidiary of First National Bank of XXXX, XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-11-03
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. (MA)

XXXX, XXXX, and TransUnion did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.
Consumer complaint received 2023-10-09
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: AMERICAN EXPRESS COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

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 2023-07-30
Product: Credit reporting, credit repair services, 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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

YOUR COMPLAINT To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation
Consumer complaint received 2024-03-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NJ)

I called Citibank when my CD matured. Spoke to associate to close it and he confirmed verbally. But instead the renewed it for 1 year. 

Please help. 

Thank you
Consumer complaint received 2023-12-07
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. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

My loan was sold to Roundpoint late in XXXX. I received my first statement from them on XX/XX/XXXX letting me know that my first payment was due on XX/XX/XXXX in the amount of {$3000.00}. I made that payment on XX/XX/XXXX and then began bi-weekly payment in XXXX in the amount of {$1600.00} via my bank account. In XX/XX/XXXX, I received a late notice and was charged a late fee. I called Roundpoint and it was found that payments had been misapplied. I was told that would be corrected and that the late fee would be reversed and that this would bring my account current and the next payment would not be due until XX/XX/XXXX. I asked about setting up bi-weekly payments through them to avoid the issue and the only way to do that is by mailing in a paper form. This was XXXX and I continued making my bi-weekly payments of {$1600.00} even though the account was current. 
My plan was to set up bi-weekly payments by mailing in the paper form but before any of this could be handled, I received another late notice for XXXX. At that time, I paid another {$1600.00} via my bank account because they do not allow you to make partial or custom amount payments on their website. I also enrolled in autopay so that I could avoid the issue any further and gave up on trying to pay bi-weekly with them. This morning, I received a call from Roundpoint saying I still owed another {$290.00}. I tried explaining to them and they were unwilling to budge. I was forced to pay the amount or suffer another late fee. At that time they also instructed me that my payments had gone up around {$400.00} per month, which I never received notice of, which is why I owed the additional {$290.00}. To date I have paid Roundpoint {$16000.00} which is far more than I owe given I've only had 4 months of payments with them. They do not offer any online support to resolve and require forms to be mailed in. They can not take credit card payments over the phone, they do not apply funds correctly, and they have terrible customer service. Consumers should not be subjected to this treatment. I had not choice in the matter and I am extremely dissatisfied.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-09-22
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. (KY)

This is my first 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. 
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Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX