davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to complain to AMEX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just now look at my report because I need to get a place for me and my family and I notice there is two collections on my file I don't know anything about them because I never used credit and from XXXX to XXXX I was incarcerated please remove these items from my file : Account name THE XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Thank you
Consumer complaint received 2023-10-02
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 some of the information was 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX 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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX DEPARTMENT OF EDU Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2023, someone forged a fake check against my Fifth Third savings account for a total of {$10000.00}. We filed a dispute with Fifth Third on XX/XX/2023, after dealing with numerous other fraudulent checks against our Fifth Third accounts. The local branch told us that our dispute has been denied because we reported it too late. However, I can not find any evidence of this policy on their website, nor can a bank employee provide me with a copy of the policy, they claim for this to have disputed we had to report it 30 days after the end of the statement period. Another reason we didnt notice this immediately is because we didnt think it was possible to write a check against a savings account. I have never ordered checks for my savings account, nor would I since I also have a Fifth Third savings account. While we have been dealing with multiple accounts of fraud, several Fifth Third employees told us that somebody made 36 straight attempts to log into my account and on the 36th try they were granted access. According to the employees the account should have been locked out after 4 failed attempts. Also, when logging in online from a computer/device that isnt recognized a security code is supposed to be sent to the phone number on the account to verify the correct person is logging in. Again, that didnt happen, which resulted in my accounts being compromised. Fifth Third had committed to doing nothing to resolve this problem even though it is clearly their fault, and I am paying the price for them not taking their duty and responsibility of protecting my money.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I got financed with XXXX XXXX XXXX they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX for years. I Mailed Many Many Certified to XXXX XXXX, with No Response! No Luck getting the Negative Derogatory Mark, impacting my Fico Credit Score. Please Help! Thank You.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

i recently viewed my credit report and saw a lot of inaccuracies in it. i then proceeded to contact the various companies involved in order to remedy the situation. i was basically told that there was nothing that they could do. i found this to be a disingenuous statement and proceed to XXXX what could be done about it. i learned that i should ask, in writing, for them to investigate it. which i did on XX/XX/XXXX. i waited 30 days then demanded, in writing, that these inaccuracies be removed. that was XX/XX/XXXX, yet nothing was done. so now, more than 30 days after that, i am here at the cfpb website seeking some sort of resolution. XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2023-10-01
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. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. 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 & Equifax 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 has 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 furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get 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 aren't removed immediately.
Consumer complaint received 2023-10-01
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. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. 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 has 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 furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get 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 aren't removed immediately.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My credit score is a big part of, my identity, everyone has made mistakes, however I have made improvements towards, all three credit bureaus, having a poor credit score is embarrassing, unpleasant and frustrating for everyone, especially those who dont have any money to invest or make payments for their loans or mortgages.
Consumer complaint received 2023-10-01
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. (GA)

I sent a letter out on XX/XX/XXXX XXXX to Transunion here is my certified mail tracking number : XXXX. However, it's been more than 30 days and the credit bureau failed to send my investigation back. This Is not making sense., The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Transunion } consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Consumer complaint received 2023-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. 

I contacted Portfolio Recovery Associates about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. 

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and Portfolio Recovery Associates. If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from XXXX Bank but my contract was between myself and XXXX Bank, who I am in the process of entering into arbitration with. If Portfolio Recovery Associates continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. 

Please see Portfolio Recovery Associates info in identity theft report attached
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (TN)

I received a credit inquiry from XXXX around XX/XX/year> and then received a letter in the mail from Comenity Capital Bank regarding an Ulta Beauty Rewards XXXX that I did not open. The letter is dated XX/XX/year>. I called XXXX and they told me that I was charged {$500.00} in the last few days and I told them that it was fraud so they are putting a hold on the account. The Inquiry also made my XXXX XXXX drop. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
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. (AR)

I am sending my CFPB complaint to inform you that the Credit Bureaus should resolve this issue. The current status should not be showing late because I paid it on time.The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Kindly provide me a documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, my partner went to deposit cash into my account at a Bank of America ATM because I needed to pay my mortgage. The ATM machine did not return my card and presented a message saying that I had to go to a Bank of America office in person to request a new card. The next day, XX/XX/XXXX I see that two transactions, one of {$800.00} and another one of {$950.00} were charged to my card at a XXXX grocery store near the ATM machine that did not return my card. I immediately go to the bank and they tell me to file a dispute and block my card. I do this and Im told to wait about 10 days for a decision. Then I see my Bank of America mortgage account has late fees applied because it wasnt paid. I did not have the money since the money had been stolen therefore I went in person once again to Bank of America to have the late fees removed and after a full day at the office they were able to remove them and I managed to make the payment. The employees told me that based of the evidence of the ATM machine not returning my card I should have the money returned because I needed it to pay for my mortgage. On XX/XX/XXXX I receive a letter stating that my dispute was denied. I have a photo of the ATM message stating that my card could not be returned to me therefore it was not in my possession because the ATM machine did not return it, therefore I did not have the card to make those two transactions at a XXXX grocery store. I have also filed a police report to further investigate and prove that I did not authorize these two transactions.
Consumer complaint received 2023-10-01
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. (OH)

XXXX XXXX XXXX XXXX  ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete )XX/XX/XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reportingXX/XX/XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XX/XX/XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XX/XX/XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.
Consumer complaint received 2024-04-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (MD)

On XX/XX/year> I paid {$4000.00} out of the {$5300.00} owed due to a settlement agreement with XXXX. I was emailed a settlement letter on XX/XX/year> stating that {$4000.00} was the amount agreed upon. I called and paid the {$4000.00} via the phone. I had several conversations with a representative regarding my account and in the end the {$4000.00} was the settlement agreement. I was told my loan would be closed and I no longer owed any more to the company. I received a debt collection letter in the mail recently and was surprised that it shows I owe the {$1300.00}. I do not owe this amount. I reached out to XXXX, but have not gotten a response. The conversations I had with the representative were recorded on their end, so if you need proof, please contact them for the recordings. I can provide the letter.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-01
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. (OH)

XXXX XXXX XXXX XXXX  ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX  account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX  ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.
Consumer complaint received 2023-10-01
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. (OH)

Credit card Control services  ( Incorrect account please validate ) And delete XXXX bank late payment XXXX  XXXX XXXX XXXX ( Incorrectly reported please delete XXXX XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXXXXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NORTHWEST BANCSHARES INC (AL)

I came across some additional concerns that I notice, That Loan Number XXXX That this debt is already paid in full but I will pay the Loan if I can receive the original instrument of indebtedness in its original form, in exchange for payment in full of my obligation. as may be referenced by these statements.