davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX inaccurate date of last activity ) XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX  XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX XXXX ( inaccurate date of last activity ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXXXXXX XXXX XXXX XXXX XXXX ( inaccurate date last activity ) XXXXXXXX XXXX  XXXX XXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX ( inaccurate date last activity ) WF/AME GEM XXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity )
Consumer complaint received 2023-08-30
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OK)

Ally financial is providing incorrect loan date on my consumer reports. I opened a vehicle loan on XXXXXXXX XXXX on a XXXX XXXX XXXX Ally financial is reporting the loan as opened on XXXX XXXX which is completely false. I have reached out to Ally Financial several times in XXXX about this matter. each time they have told me a supervisor would reach back out to me within 48 hours. I have yet to recieve a call back from anyone regarding this matter. All phone calls are recoreded. and the only paperwork i have recieved is a payment breakdown regarding this matter.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (MD)

My credit score dropped drastically XXXX points this month because of 1 inaccurate reporting to the credit bureaus. 

On my application there was a box I checked off that said I am certifying that I am over XXXX and want all relevant emails for this account. All the necessary contact information was provided. 

That has never been done. They havent given me any notice beforehand of any problem. 

It would have been different if I had ignored their emails. They can not show that 30/60/90 Day period I was made aware of any problem and that I kept ignoring them. They did not give any notice of any type. 

I am protesting their money grabbing tactics to make money. I feel exploited.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I recently contacted XXXX in regards to XXXX XXXX Account. I asked them to remove/delete from my report because they are reporting inaccurate information. The XXXX XXXX account starting with XXXX has been charged off and still being updated every month as late payments. Its also a closed account charge off with a balance still reporting. From my understanding, there shouldnt any balance once charged off! I assist that this account be removed immediately!
Consumer complaint received 2023-12-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (WI)

I am writing to formally lodge a complaint concerning the handling of my recent account restriction issue. Despite multiple attempts to address the matter, I find the resolution process both inefficient and frustrating. 

The problem lies in a notification stating that a letter was sent to my previous address and returned undeliverable, subsequently leading to the restriction of my account. I acknowledge my oversight in updating my address promptly after moving, but the challenges faced in resolving this issue have been needlessly cumbersome. 

Numerous calls to the customer service have yielded sympathetic yet unhelpful responses. I was instructed to submit specific documents for account review, but my attempts to clarify which documents are required have been met with ambiguous responses. Moreover, the promised 24-hour response time for messages on the website has not been adhered to, leaving me in a state of uncertainty for two days. 

This situation is particularly distressing as it is the second time I am encountering such account-related complications. I expect a more efficient and customer-focused resolution process from a reputable institution such as Synchrony Bank . 

I appreciate your immediate attention to this formal complaint and trust that it will be addressed with the seriousness it deserves.
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. (AL)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing peoples information to 3rd party companies, so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was in dire need of a car & searched on line & found a XXXX ( XXXX miles ) XXXX XXXX - single owner. XXXX XXXX had pre-approved me far more than what I would spend. I went to XXXX XXXX XXXX XXXX ( XXXX XXXX ) & purchased the vehicle. 
I did not know that the vehicle had No Warranty until I was at the table signing. Thus I purchased an extra $ XXXX worth of additional coverage ( thinking it would be better safe than sorry. It doesnt cover the brakes that I need now after only XXXX miles. The finance manager came out to offer me additional coverage such as dent insurance? My saleslady was not impressed that he offered me that after she stepped away from the table. I declined the additional coverage. 
My credit score was XXXX XXXX Bank of America financed it at 9.94 % interest rate. I was preapproved by Capital XXXX of about $ XXXX, although I have their credit card and pays on time & keep my spending below 20 % & they declined me for an auto loan. 
I should have walked away from this all too familiar disparity of a deal. I had to put my XXXX XXXX to rest and paying XXXX ( no mass/bus routes ) & getting stranded in the wee hours of the morning was too dangerous. I cant enjoy having to have a dependable ride without KNOWING that the financing could and should be more affordable. I wanted to file a formal complaint because we see on the latest news that XXXX XXXX XXXX XXXX at an alarming rate even with good credit etc. It is this way in our every day life. I get so tired of the race card, but I cant make this stuff up. Being XXXX is XXXX and especially being a XXXX XXXX. 
* Purchased XXXX * Will be sending Bank of America CEO XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX registered letter * Sent Email to XXXX XXXX ( no response ) XX/XX/XXXX 2023
Consumer complaint received 2023-12-29
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-08-31
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2024-01-04
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. (FL)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the numerous attempts I have made to rectify the issue of a late open account with your company. Despite my persistent efforts to resolve this matter, I have not received the necessary assistance or cooperation from your team. 

This ongoing delay has not only caused inconvenience but has also had a negative impact on my financial standing. I believe in fair and transparent business practices, and it is disheartening to experience such a lack of responsiveness from a company of your stature. 

I kindly request that you investigate this matter promptly and take the necessary steps to rectify the late open account issue. Additionally, I expect a thorough explanation for the delays and a commitment to improving your customer service procedures to prevent such issues from occurring in the future. 

If this matter is not addressed within the specified timeframe from the date of this letter, I will be forced to explore alternative courses of action, including filing a complaint with the appropriate regulatory authorities and seeking legal counsel. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$190.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (MN)

All of the Consumer Report Views/Soft Inquiries listed on my XXXX and Equifax credit report from XX/XX/XXXX to XX/XX/XXXX are all fraudulent and unauthorized soft inquiries listed on my credit report.
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. (TN)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days. Also

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C .1681 Section 604 A Section 2 : It also sta
tes a consumer reporting agency can not furnish a account without my written instructions.

These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Consumer Financial Protection Bureau, I am writing to inform you of an issue that I am currently facing with Capital One. Recently, my account with Capital One was closed due to an error in their app. Specifically, one of my payments was returned from the app due to a glitch in the system. Unfortunately, Capital One decided to close my account as a result. 

Despite this, I have been making my monthly payments to Capital One even after my account was closed. However, I have noticed that they have been reporting inaccurate information to the credit bureaus. This is obviously a serious concern for me, as it is impacting my credit score and making it difficult for me to secure loans and other forms of credit. 

I would greatly appreciate your assistance in resolving this matter. It seems unfair that I am being penalized for an error in Capital One 's app, and I would like to ensure that my credit score and financial standing are not negatively impacted by this incident. 

Please let me know if there is any further information I can provide to assist with this matter, and I thank you in advance for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-25
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: DISCOVER BANK (TX)

XX/XX/2023 was applying for a pre-approval for credit card on for discover website informed there was no hard pull as soon as I applied i received a hard inquiry on XXXX certain also I could have gotten 2 more in queries hard pulls from other 2 credit bruras not sure have paid for the membership check don't know why they did soft when was not was just received on email through XXXX 5 mins later And discover did it back on the XX/XX/2023 on there website
Consumer complaint received 2023-04-25
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. (NC)

I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, T Mobile turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was turned. A year later, an {$800.00} collection ended on my credit report from XXXX XXXX 's debt collector. I have disputed the account multiple times, and it has not been investigated. My children and I are deeply affected by this situation, and I need this from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. The credit bureaus are also reporting other inaccuracies on my credit report and have yet to respond to any of the letters I sent.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.