davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (KS)

provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello CFPB, I am writing a complaint against Experian, XXXX XXXX and XXXX. I've sent them multiple complaints stating they are reporting inaccurate information across all XXXX credit bureaus. They keep sending me stall letters stating that someone else is sending my disputes or they send me Verified letters. I have proof that they are not doing their due diligence to correct or remove items on my report. They are still violating the FCRA laws. I have letters from them stating they Verified the accounts but I still see inaccurate dates, balance and status on my reports. Please investigate this for me thank you
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a loan with NSTAR/COOPER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NSTAR/COOPER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Consumer complaint received 2023-07-13
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. (CA)

I don't have any idea about these accounts. This is purely identity theft. These accounts damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am reaching out to contest the presence of a credit account linked to XXXX XXXX XXXX XXXX # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Rosebud Economic Development Corporation (TN)

Applied for a loan, was approved, asked for all of my personal information they have screenshots of my bank accounts and social. Called again to their number and was told I was denied after I was told I would receive the money next business day. Now my calls are blocked.
Consumer complaint received 2023-09-08
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent rejection of my request to block fraudulent accounts that have been created under my name due to identity theft. I would like to appeal this decision and demand that these fraudulent accounts be promptly deleted to prevent any further damage to my financial and personal well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
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)

The information on my credit reports is not correct. This is hurting me from obtaining credit and providing for myself. These accounts need to be removed and deleted from my credit report. Under laws 15 U.S. Code 1692d- Harassment and abuse, 15 U.S. Code 1692e- False or Misleading representations, 15 U.S. Code 1692f- Unfair Practices, these accounts and misinformation should be removed promptly. I would like for you to cease and desist.
Consumer complaint received 2022-10-22
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. (TX)

XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX/Account # XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX  sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (SC)

I submitted an application for a business line of credit with Wells Fargo. However, the approval process was temporarily suspended due to the presence of an outstanding judgment dated XX/XX/XXXX. It is essential to note that my business was officially incorporated on XX/XX/XXXX, and subsequently granted an Employer Identification Number ( EIN ) on XX/XX/XXXX. Wells Fargo has been duly furnished with the aforementioned documentary evidence. 

Regrettably, despite the incontrovertible evidence presented, Wells Fargo has expressed reluctance in acknowledging the evident reporting inaccuracy. I have communicated to Wells Fargo the implausibility of a five-year charge on my business account, given the company 's recent establishment, spanning only a few months. 

In response, Wells Fargo advised me to initiate contact with XXXX XXXX XXXX XXXX, the credit reporting agency involved. However, my interactions with XXXX have been marked by a notable reluctance to provide meaningful assistance. Rather than effectively addressing the underlying issue, I have been subjected to a protracted and fragmented procedure, deviating from the expeditious resolution of the matter at hand. 

In light of the aforementioned circumstances, I wish to express my serious concerns regarding the handling of this matter by both Wells Fargo and XXXX XXXX XXXX XXXX. I seek a prompt and equitable resolution to rectify this credit reporting inaccuracy, which has adverse implications for my business.
Consumer complaint received 2020-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX  and transunon has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus
Consumer complaint received 2018-04-29
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. (MO)

I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
Consumer complaint received 2022-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 2023-07-13
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. (TX)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2023-07-17
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: LEXISNEXIS (TN)

There is fraudulent information being reported and sold to credit agencies by LexisNexis. This information has been added to my identity theft report filed with the FTC. Please see attached documents for personal statement along with other documents for my claim.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello My name Is XXXX XXXX the hard inquiry account on my. Transunion credit report in the name of : XXXX XXXX XXXX. need to be deleted. The account is incorrect and was first introduce to me as a Soft Inquiry not a Hard Inquiry. Thank you
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (NV)

On XX/XX/2023 I called to accept a settlement agree with patenaude & Felix I was honest I owed the debt from more that 20 years ago and I wanted to take the settlement offer but not the amount they stated also stated this to each representative.

I gave the representative on the phone my bank information which he repeated everything back to me including the bank name. 
He gave me a confirmation number and told me a total of {$300.00} dollars would be debited from my account monthly on the XXXX of each month. 
When the XXXX of XXXX came no money was drafted I look at my bank statement online nothing was drafted I call the law office of patenaude and Felix. No one answered I called 13 times and left messages the phone calls were never returned and also emailed them. 
I called on my off day Thursday XXXX XXXX a representative name XXXX XXXX answered I said I called you several times and they had been no responses I even sent an email I asked why my payment never posted and she stated it was still pending I said I called my bank and they said nothing was pending she continued to give me a confirmation number and a cheaper amount which the court settlement was for years ago and a smaller settlement offer. And she stated the payment was still pending and it would take 7 day because of the holidays. 
I said ok, she said on Monday it would clear I knew she was lying because my bank said nothing was even pending. 
On tue XX/XX/XXXX she called me on my job and said to call her back immediately because my payment never went through my check bounced I returned the call once I got my lunch break she said my check bounced and I said youre lying because the money is in the bank she said I committed check fraud against there company and I didnt have the funds I said no that not true youre continuing to making excuses and lie. 
She said oh it because your paying with a pay card I said that a lie also other creditor having been paid off with this same pay card she continued to talk over me and ignored me and said I did not have money I said I can pay today by my debit card she took my information and all payments went through I stated I knew the money was there she said oh well continue to make this payment up until XXXX I spent my whole lunch break speaking with this company they have a lot of deceptive practices and lie constantly to consumers and needs an investigation done I hope something is done for people like me and other But I will continue to push for this company to be investigated because fraudulent practices are against the law.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I scheduled a transfer of {$2000.00} ( online, via the Capital One website ) from my Capital One 360 online savings account into my linked personal checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It posted on XX/XX/2023 and the amount was deducted from my Capital One 360 savings account. It said 1-3 business days for funds to be available. No funds have shown up in my XXXX XXXX checking account. On XX/XX/2023, I called XXXX and they can find no evidence of the funds anywhere and stated it was an issue on Capital One 's side. ( They also stated this is a " pervasive problem '' with Capital One. ) So I contacted Capital One the same day. I first spoke with XXXX, who blamed my credit union and then transferred me to XXXX. My understanding is that XXXX filed a dispute claim ( but she kept putting me on hold as there seemed to be some problem with the system- the call lasted XXXX minutes ). She stated that the claim number and status updates would be sent to me via email, and a resolution should be forthcoming within 45 days. It is now 3 days later and I have not received any claim number or any acknowledgment of my complaint/issue ( though they did send me a survey, so they clearly have the correct email address ). This is a nightmare scenario where both companies blame the other and I am out the {$2000.00} with no written acknowledgment or confidence in the system handling the issue.