davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company " XXXX '' was paid prior to bankruptcy to the original creditor and instead of reporting as " Paid In Full '' - its reporting as " included in bankruptcy '' as discharged debt. This is reflecting as if the company was not Paid and it is adversely affecting my rental history. This negative reporting is affecting my ability to find housing. I have contacted transunion in writing and over the phone and I also requested a detailed description of the investigation and was denied the information and instead the account was disputed again with no change. The investigation completed by XXXX concluded the info was not accurate. There is a 54 point difference in my scores because of this.
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request a removal into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
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. 
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. 

I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report.
Consumer complaint received 2023-08-18
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

credit bureaus do not validate or verify any information with the court system, this has been verified by every Federal Court, and because of this, i want my XXXX removed from all 3 credit bureaus, as i have spoken with all 3 credit bureaus, and they respond with the statement " we have validated this XXXX XXXX with the courts '' That is a Lie. They Have not Validated Anything according to every Federal Court queried. thank you
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

Good Day! 
My name is XXXX XXXX and I opened a Citi checking account on XX/XX/XXXX as it was advertised - to put {$50000.00} and maintain a minimum balance of {$50000.00} for 60 consecutive calendar days - Which I did, but it is more then a 100 days since then and I didn't receive a {$700.00} bonus which was promised to be deposited in my account within 90 days ( it's already more then 100 days passed ). 
I contacted citi bank a couple of times and was told that they will look into it, but as of today XXXX, XXXX, XXXX the bonus was not paid to me. 

Please see attached 3 documents for your reference : 1. The actual offer 2. Citi bank email enrollment confirmation 3. Citi bank account details as of XX/XX/XXXX I would really appreciate your help in resolving this matter. 
Kind Regards, XXXX XXXX
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I had filed a dispute for a transaction that merchant did not provide services as agreed. I tried to work with merchant but was unsucessful. When WellsFargo revuewed the clsim they provided me with temp credit as my dispute was making sense. When the case went to XXXX  abritation, XXXX declined saying there is no breakdown for price. Wells Fargo also reversed the credit on my account. WellsFargo is not willing to appeal the case saying its costly affair. My question is if the merchant never provided breakdown on actual invoice, how I as a consumer can provide that. The breakdown of charge allocation should be from merchant not consumer
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/, I received a notification that I had made a XXXX payment to a person named XXXX. I did not make any such transaction. So, immediately, when I received this notification on my phone, I called Chase and reported fraud. Chase told me to file a claim so I did. On XX/XX/XXXX Chase returned the {$1200.00} to our bank account. They reversed the XXXX. Then on XX/XX/XXXX they took the {$1200.00} away from us. We called about this and they told us that the claim had been denied. They made a mistake and refunded our money- so they had to take it away. In the meantime, this led to our account being overdrawn and overdraft charges being incurred. They told us that the reason why the claim was denied was because it was a XXXX payment, and there was no proof that this was fraud- but we had called immediately to say that it was a fraud situation. They said there was no proof that anyone had access to our account. My wife, XXXX, told CHASE that she had her XXXX XXXX taken on an airplane over the summer. Also my phone was stolen about 10 years ago ( we had the same bank info ). They told us that they would resubmit the claim, and this time it should go through, but it was denied once again. Not only did we have {$1200.00} stolen, but everyone that we spoke to at Chase kept us on the phone for a very long time ( hours at some point ), and was unable to help us. It felt like we were being treated poorly because we were XXXX XXXX XXXXXXXX. So not only did we have a fraud situation, but then we had overdraft charges because Chase refunded the money and then took it away again. Im afraid that this affected our credit as well. We would like the {$1200.00} returned.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
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: EQUIFAX, INC. (MD)

On XXXX XXXX, XXXX my handbag and weekender were stolen containing my birth certificate, passport, driver 's license, debit card, credit cards, employment ID, social security card and checkbook. On XX/XX/XXXX, I began receiving collection calls for several accounts that I did not open. I contacted the police in order to file a report. The authorities advised that they do not investigate identity fraud and that I should file a report after the perpetrator was identified. I contacted an attorney who referred me to her investigator. They filed all the necessary legal paperwork to close/remove the fraudulent accounts from my credit report from XXXX - XXXX ; however, I was caught in a vicious cycle since new accounts were constantly being opened. I have sent countless notarized and certified notices to Equifax requesting removal of all fraudulent accounts-they simply reply with a blanket " account verified ''. Equifax has failed to protect me and my credit rating from IDENTITY THEFT predators.
Consumer complaint received 2024-04-16
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

After reviewing XXXX  correspondence I believe that the loan that they have put on my credit report may reflect a separate loan from the one allegedly transferred to them from XXXX a loan not covered by the Promissory Note that I signed XX/XX/XXXX. 
The reasons that I hold this belief are : XXXX. In XXXX, the address that XXXX had for me differed from that which XXXX and the national student loan database, NSLDS had on file. The XXXX XXXX address that XXXX and NSLDS had on file was correct. XXXX had been sending me mail to that address for some time. The XXXX address that XXXX had on file was a former address at which I had resided previously. This discrepancy indicates that the loan that XXXX is referencing on my credit report is actually for a different, unrelated loan associated with the XXXX address. 
XXXX. The loan amounts that XXXX and XXXX claimed that I owed differed. This difference indicates that the loan that XXXX is referring to on my credit report differs from the one allegedly transferred from the one transferred to them from XXXX. 
XXXX. In XXXX, XXXX asserted that that my loan was 228 days late. However, XXXX clearly stated to me in their XX/XX/XXXX correspondence to me that Due to the in-school status the loan was current at the time of transfer. Again, this discrepancy indicates that there may have been multiple loans at play. 
XXXX. Another indication that XXXX is referring to a different loan on my credit report is that there are unclaimed funds being held by the State of Michigan for monies returned by XXXX to me that relate to my former XXXX address.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Dear CFPB, I recently received a copy of my (, XXXX, Experian XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, Experian, They reported my account as LATE in the months of XX/XX/2021 and XX/XX/2021 - 30 - 60 days Names of the accounts : - - XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from XXXX XXXXXXXX XXXX XXXX, Account Number XXXX on my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report!

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payments on XX/XX/2021 and XX/XX/2021 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the inaccurate information from my credit report.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC (TX)

XXXX and XXXX and Wakefield collections The balance amount Wakefield sent to XXXX and XXXX is incorrect XXXX Correct amount is XXXX See attached proof XXXX  snd XXXX refused to acknowledge my including my report from my insurance company XXXX XXXX attached Also the copy from original creditor XXXX XXXX XXXX shows correct amount owed to them All this information is being ignored
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

On XXXX XXXX and again on XXXX XXXX XX/XX/2023 I spoke with Experian Credit Reporting Agency that my mortgage with XXXX XXXX XXXX XXXXXXXX ( XXXX ) was not showing on my credit file with Experian. I was told by Experian that my mortgage company ( XXXX ) was not reporting my mortgage to Experian and it was nothing they can do about non reporting. Irequested to speak to a Supervisor on the abve two dates to be put on hold until the phone calls were drop each time. 

I also spoke to my Mortgage ( XXXX ) on XXXX XXXX and was told that they were reporting to Experian but could not give a date or put it in writing that they were reporting to Experian.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-07-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (FL)

My name is XXXX XXXX, and I am writing to formally lodge a complaint against Early Warning Services. As a new XXXX, I am deeply concerned about how their inaccurate reporting has negatively impacted my financial standing and caused significant distress. 

On XX/XX/year>, I received a notification that my checking account application was denied based on a report from Early Warning Services. The report indicated a deposit score of XXXX, which is deemed high-risk. The reasons provided included the status of my relationship with the inquiring bank, the number of days my account was in high-risk status over the past XXXX years, the duration of my account ( XXXX ), and the number of items returned in the last 60 days. 

I believe this report contains inaccuracies. I have no prior banking relationships in the XXXX that could justify these claims. Early Warning 's report has led to the wrongful denial of my checking account application, adversely affecting my ability to manage my finances and integrate smoothly into American society. 

I request your assistance in investigating this matter and holding Early Warning Services accountable for providing incorrect information. Their actions have violated my rights as a consumer and have caused undue harm. 

Thank you for your attention to this urgent matter.