davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PNC Bank N.A. (OH)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15-USC-1681 section 602 states I have the right to privacy. 15usc1681 section 604-A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15-USC-1666-B a creditor may not treat a payment on a credit card account under and open and consumer creditplan as late for any purpose.
Consumer complaint received 2023-01-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: PLS GROUP, INC (TX)

The car dealership XXXX XXXX is located in XXXX Texas off XXXX XXXX and XXXX XXXX XXXX. This dealership has the old loan for a voluntary repo XXXX XXXX XXXX. 

They refused to remove the year 2020 temporary dealer license plate and allowed the new buyer to use the vehicle and use the tolls resulting in me getting the 3rd notice of non-payment when I haven't received a 1st or 2nd notice of non-payment. 

I am no longer in possession of this vehicle since 2020. I voluntarily gave back this vehicle because XXXX XXXX refused to send me any of the receipts of payments made on the loan agreement. 

I had issues with them not answering my calls or returning my calls regarding the issue with this invalid temporary paper license plate. I feel this is wrong and I need your help to stop further toll bills and to prevent these kind of business practices in the future Thank you,
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the 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  {$0.00} XXXX XX/XX/2023
Consumer complaint received 2023-07-22
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: Experian Information Solutions Inc. (FL)

Dear CFPB, I hope this message finds you well. I am reaching out to you again to inform you about a situation I have been facing with my Experian credit report and to request your assistance in resolving this issue. 

On XX/XX/2023, I filed a complaint with the number XXXX, expressing my concern about the sudden drop in my credit score during that month. Upon careful review of my Experian credit report, I noticed that two XXXX credit card accounts were added, which do not belong to me and are not related to my financial history in any way. The names and addresses associated with these accounts do not match mine, leading me to suspect that this may be a case of identity theft or an error in my Experian credit report. 

To support my suspicion, I attached an identity theft report to the complaint I submitted to you. However, to date, Experian has only removed one of the two accounts I reported as unrecognized and not belonging to me. The account that remains on my report is as follows : Account Name : XXXX XXXX Account Number : XXXX Balance : {$10000.00} I am writing to you because this situation is having a negative impact on my financial standing. I am planning to apply for a mortgage loan to purchase my primary residence, and this erroneous information on my Experian report is hindering my ability to secure the loan I need. I would like to emphasize that I have always been financially responsible, and both XXXX and XXXX can verify my history of timely payments and good credit reputation. 

Therefore, I request the removal of this inaccurate account from my Experian credit report. According to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC Section 1681i, I have the right to request the correction and removal of these errors from my credit report to ensure the accuracy and truthfulness of the information provided by credit reporting agencies. 

That is why I am reaching out to the Consumer Financial Protection Bureau, hoping that you can investigate and mediate in this matter to ensure my credit report is corrected promptly and accurately. I sincerely appreciate your prompt intervention in this matter and your support in ensuring that my credit history is restored with the correct information. 

Enclosed with this letter, you will find copies of relevant documents supporting my complaint, including the identity theft report I submitted. 

Thank you for your attention to this matter, and I trust that, with the assistance of CFPB, a fair and satisfactory resolution will be achieved.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2022-01-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (FL)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization. 

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately. 

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report. 

I am providing copies of my credit reports from the three major credit bureaus ( Equifax, XXXX, and XXXX ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain. 

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

I noticed on XX/XX/2022 that bank account looked low. I called customer service told them that my bank account didn't look right so I asked him to go to my transaction starting from the beginning of XXXX to the end of XXXX and of course there was online transactions that was not me it was cell phone payment to XXXX XXXX  and all the Visa transfer debit card for {$100.00} it was probably a total of seven of them and some hotels that were credited in my account twice at the end of XX/XX/XXXX is when I noticed my account was low there was a XXXX dollar withdrawal which was not me. I was so confused with that because I had my debit card with me so someone would have had to have access to my bank card I canceled it right away made that dispute on all those and I only received the hotel transactions all the debit card transfers and the cell phone transaction. I did not receive the withdrawal and I never understood why maybe because since I had debit card how would someone have access to my account I had a few people living with me at the time I've talked to them all I have no proof who done it but still I was the victim of that. My new debit card coming in the mail and was going to be there on XXXX the XXXX it was not in my mailbox. I called the bank immediately and they said it had already been activated and two {$500.00} atm withdrawal and a Debit bank transfer of {$50.00} my card was stolen from my mailbox. I told them it wasn't me disputed that and I was denied. I've wrote them letters a few times. I have plenty of documentation which I will send as soon as I hear back from you guys.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Protas, Spivok & Collins. LLC (VA)

I received a letter today. First response ever from this company. 
Protas, Spivok & Collins in regards to an account / debt with XXXX XXXXXXXX XXXX XXXX XXXX Debt Section XXXX XXXXXXXX XXXX  Never heard of them. Never had an account with them.
Consumer complaint received 2023-02-22
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. (KY)

I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. 
Medical XXXX Balance : {$35.00} Medical XXXX Balance : {$35.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2022-12-08
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$5500.00}
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

When I signed up for the American Express XXXX XXXX credit card a few years ago, I had a XXXX membership number that was tied to that account. Sometimes last year, however, that XXXX member number expired and I signed up with a new XXXX membership with a different membership number. About 4 months ago, I was told by American Express that my XXXX XXXX XXXX was a victim of ID Theft and that they were going to issue a new card to me. After a couple of weeks waiting for my new card, I contacted American Express customer service to find out why. They told me that it was because they had my old expired XXXX membership number tied with that credit card, and according to American Express, in order to have the XXXX XXXX credit card, it requires an active XXXX membership. I explained to them my situation, that I have a new membership number with XXXX. They told me to fill out a form to link my new membership number with the credit card. About 2 months ago, I linked my new XXXX membership number with my credit card and contacted American Express to send me my new card. Every time they told me they were going to send me my new card, it never comes, and I would need to call them again. This has happened more than XXXX times calling them and complaining to them. 

Three weeks ago, I called American Express customer service, and they told me they cancelled my American Express XXXX XXXX credit card without my consent! Then the representative started asking me about my personal info ( SSN, Birthdate, Income ), and when I asked him why he needed all that information, he told me he was going to apply for a new credit card for me to my surprise! Since I just wanted my credit card, I gave him all that info. A couple weeks past, and I still had n't get my credit card. Last week, I spoke with the supervisor of American Express over the phone and explained to him the situation and filed a complaint with him, and the supervisor " promised '' me that my credit card will be arriving on XXXX/XXXX/2015 and that he will be calling me to follow up if I received it. I did not receive my credit card. 

I have already put a lot of patience into this issue and have put as much effort that I could to get my credit card, and I do n't know what else to do besides write this letter.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Technologies, Inc. (CA)

My information was included in two XXXX data breaches. XXXX removed my military service information in the XXXX XXXX XXXXXXXX from my credit report. They are not reporting correct information. I have filed several CFPB ( XXXX. XXXX with supporting documentation ) report regarding my address. 

Also, XXXX added an old address to my credit report, yesterday without my consent. 

Re : XXXX, XXXX XXXX, XXXX and XXXX XXXX : My credit report must be accurate because it has an impact on my livelihood. 

I have had to relocate frequently due to an ongoing threat posed by an extensive network enterprise of extremist individuals who are associated with multiple organizations. They have been engaged in a campaign of terrorism and criminal harassment directed towards my household, which includes activities such as XXXX violations and violations of the XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. As a military veteran, I value my privacy and do not wish to be bothered. However, for years, multiple groups with their own political and religious ideologies, as well as corrupt corporations, have been bothering me both online and at my residence. Their deliberate actions have disturbed the peace of not only myself but also my children. I want to emphasize that I do not want to be involved in any unnecessary drama. I simply want to live my life peacefully, and I want my children to enjoy the remaining years of their childhood without any interference. It is disheartening and appalling to witness how selfish individuals believe they are entitled to abuse the system and ruin the lives of others. Such behavior is unequivocally wrong and should not be tolerated. 

Make sure my contact information is correct on my Veteran Credit Reports and only allow senior executives to access and make changes to my credit report.