davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear XXXX, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge XXXX Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 

I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX account number # XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states that 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I reached out to TRANSUNION on XX/XX/XXXX, to update all personal information ( See Exhibit B ), then again on XX/XX/XXXX ( See Exhibit C ) TRANSUNION was contacted with a failure to update certified mail, XX/XX/XXXX, I filed a complaint with the CFPB complaint number XXXX ( See Exhibit D ). TRANSUNION failed to satisfy the consumer 's request to update all my personal information. TRANSUNION also failed to notify me before an account was placed on my voluntary consumer report. Nor did TRANSUNION inform me of the outcome of those investigations. TRANSUNION has not validated the information as true and correct according to the FCRA. 

I received an adverse action letter on XX/XX/XXXX, after giving my application to extend myself credit from my open-end consumer plan. TRANSUNION was the credit reporting agency that was used in the consumer transaction. That extension of credit is intended to repair damage to my face and mouth due to a XXXX  XXXX encounter that I am a victim from.
Consumer complaint received 2022-12-06
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. (NY)

I have been disputing an account with XXXX since XX/XX/2022. I had an open account with them and paid my balance in Full in XXXX XXXX XXXX. A few days later XXXX closed the account and then marked the account as a charge off and submitted it to a collection agency along with the payment I made. XXXX marked my account as a charge off with Transunion, XXXX and XXXX. I have submitted letters and proof of the receipt to all 3 bureaus and XXXX showing that the status was false. 

XXXX has now marked the account as a charge off as of XX/XX/2022 after I made a complaint to the XXXX. I feel they are purposely reporting false information causing my XXXX XXXX to decline. 

The credit Bureaus are also not providing documentation of their investigation. I have requested an investigation from Transunion, XXXX and XXXX. None of the companies named have provided a detailed report of the investigation.
Consumer complaint received 2022-11-24
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-07-07
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 noticed a couple months ago that XXXX was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXX XXXX. I contacted XXXX to tell them that the loans were not mine they responded that XXXX verified the loans were mine. I contacted XXXX they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said XXXX stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if XXXX can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I checked my credit karma which reported that there was a hard inquiry on my account from capital one on XX/XX/2024. I did not make any account with them so I called them. They said there was a XXXX XXXX account made using my information but did not use my phone number. I told them that it was fraud and not made by me and they will be doing an investigation. I checked my transition and saw random numbers I didn't recognize under my account and inquires on my account. Someone has my identity and have been using it to open bank accounts.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD unemployment debit card, issued by Bank of America Prepaid was frauded over a month ago. I submitted a fraud claim and they keep denying it. It initially took almost a week just to submit the claim because the bank computers were down! I have tried to escalate but it is very difficult to get in touch with any managers. Please call me back as soon as possible with a resolution. The amount frauded was almost {$800.00} and it was over a month ago that I filed the claim! It's a lot of money for someone that is on unemployemnt. I also want you to know that I did my own investigation and found 3 charges on the same day to XXXX for {$140.00} and I called their fraud department. They told me that it was done with a digital card at a gas pump in XXXX, CA. They have the pictures from the camera and the video. Bank of America said that they keep on denying me because of the use of a chipped card. That is not true because I called XXXX and they said it was a digital card. In addition, they also overdrew the prepaid card, which is impossible to do, unless this is an inside job at Bank of Americal So not only am I loosing on the fraud but they also took future benefit payments on this STUPID card. Please help!!!
Consumer complaint received 2023-09-11
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

I started using Lexington law credit repair service 2014 in hopes of getting my credit fix to buy a home, car and to have better credit overall. I was under the impression that I would have to pay XXXX and they will start working on my credit and then I seen that my debit card was charged {$60.00} a week later and the fees got higher as I went on monthly. I did reach out several times to ask about fees but I never got a real answer and I was always left confused. I even tried to add my brother on my account one year the company was advertising that if I have someone who would like credit repair but somehow I was charged more. It took years for anything to be deleted and some of my debt reappeared. I was just overall confused about how Lexington law credit repair worked. I would call in to check on my account but I always felt lost. Yes I do feel completely ripped off of my money I spent, time and also the embarrassment of being denied mostly everything i applied for but still having high hopes in Lexington law to help me out. I would like my money and the extra fees that I was charged for that was not properly explained to me. Thank you
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

Experian has not removed any of the inquiries posted on my credit report. They are posting that I submitted for a loan this year which is false. 

Also there are collection accounts posted on my credit report thats are inaccurate and I would like them to be removed.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX  with account number XXXX Remove due to inaccuracy - I never paid late If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I applied for a loan modification on XX/XX/2020. My modification was denied because my income wasn't sufficient. I'm widowed and I'm XXXX years old. 
After that covid-19 hit and I was unable to look for work because of the lockdown we were imposed by XXXX in XX/XX/2020. I applied for forbearance and was granted 3 months. Ever since then I've reapplied for an extention multiple times but I never get a response. I reapplied this month but again I never received a response. I've been borrowing money to make my mortgage at times and I now owe friends and family a lot of money and my resources are running out. 
I owe about {$98000.00} on my loan and my home is worth over {$200000.00} but they say I need more income to modify. I was paying {$710.00} monthly. I have limited resources and I'm unaware of any programs other than getting my loan modified. I've lived here almost 40 years and this was my first home I ever purchased with my deceased husband. I don't want to lose the only home I've owned my entire adult life. I really need help with this issue.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been trying to add my external bank account to Bank of America to transfer money, but I can not add the new account. I always receive emails that a payee was added. However, I can not see that in my account. I contacted customer service and spoke with about more than an hour but could not resolve the issue. I still have the same problem and can not find a way to add my account. The Bank of America never contacted me or showed a willingness to resolve the issue. This is not the first time. This bank is so big that it does not care about customer service, only cares about money.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (ND)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-11
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 am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OH)

Someone put the email XXXX as the primary email on my account. This email is not associated with me. I spoke within 3 US bank agents and they cant say when the change happened or how. I am concerned this is an inside job and/or nefarious. Banking systems should have logging. One agent tried to say it must of been my original email from the XXXX when I opened the account. It has never been a email for me. 

Additionally after removing this email from my profile, the usbank system has a major flaw with updating in other modules. This erroneous email can not be removed from the bill pay notifications module. It continues to be on the pick list and the correct emails can not be selected. This is a bug with the banking system. Agents refused to send a ticket to IT or security. So here I am submitting this to a third party to see if there is any accountability with banking systems to run properly. 

The bank froze my assets on the phone when I specifically said not to. It was retaliation for insisting that the agent escalate the XXXX ) change in email XXXX ) bug in the system. Agent refused and said they could not make a ticket to escalate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

They lied ; they reported one thing to CFPB and 2 credit score agencies. Then Comenity Capital Bank turned around and started the predatory practices all over again. My credit score is once again adversely effected.