davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date. 

XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate. 

Attached is document from XXXX XXXX XXXX stating their ownership. 


Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues. 

the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. Trans Union , LLC, a case in which a consumer sued TransUnion, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : TransUnion reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease. 

The consumer sued TransUnion, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. TransUnion argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. TransUnion also argued that the incorrect information couldnt be inaccurate because it was provided to TransUnion by the company that financed the lease. 

The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While TransUnion argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : TransUnion reported that the consumer owed money that she clearly did not.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (TX)

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. XXXX XXXX XXXX  : XXXXXXXX XXXXXXXX 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 XXXXXXXX, has violated my rights. 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 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (OK)

Trying to buy a house and I realized I had damages on my credit report. According to the 15 USC 1681 law. There should not be any damages on my report. It is a defamation of my character.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account XXXX XXXX Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i have tried to dispute these hard inquiries on phone with each credit company but they have not done anything for 30 days. it is causing my credit to decrease tremendously. i am already under bankruptcy for 7 years so that makes it hard for me to get collateral in my name so with these false accounts on my credit report, it is almost impossible to get a credit card to build my credit because of bankruptcy so i dont know why they are not disputing these negative and hard inquiries that dont belong to me. could you all please let me know what to do next so i can be in a decent standing with my credit. i have done everything knowledgeable to do. this is my last step.
Consumer complaint received 2024-09-21
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. (GA)

This account was charged off on the following date ( XX/XX/year>2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a letter from Kohls stating there was an issue with my credit card. I don't have or never applied for a Kohls account. I check my credit statements on XXXX and there appears to be an account opened without my approval on XX/XX/2022. This is a fraudulant account.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I made a deposit in my back account late XXXX XX/XX/XXXX. I dropped my debit card outside apparently after the deposit. Later that evening when I went to make an online purchase with XXXX my debit card got declined. Once, I received that information I logged into my account and saw over XXXX dollars was used from my account. I immediately contacted my bank and asked why wasn't I notified as fraud due to a large purchase. The amount spent is way out of normal activity for me. I was never alerted to attempt to stop the purchase. Once I opened the claim about 4 days later XX/XX/XXXX I was informed my claim had already had a decision. The decision was that my phone was used on digital wallet to make the purchase. This was absolutely impossible. The card was used at the galleria and I had my phone not even close to the area. I've requested that the IP address from the phone be checked. I've yet to receive a response or any feedback from Wells Fargo.
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (CA)

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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2800.00}
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Subject : Urgent Complaint Regarding Account Closure Due to Internal Error Dear Bank of America Customer Service, I am writing to bring to your attention a serious issue concerning my credit account with Bank of America, credit limit {$15000.00}, that has been unexpectedly closed on XXXX XXXX I have been informed that the closure was due to an internal operational error within Bank of America, and I must express my deep dissatisfaction with the situation. 

The closing of my account has not only disrupted my ability to manage my finances but also had adverse effects on my credit profile and credit limits. This unexpected closure has caused significant stress, inconvenience, and financial strain. 

I have reached out to your customer service department, but the issue has not been resolved satisfactorily. I am therefore writing this formal letter to insist on immediate action to rectify the situation. 

I kindly request the following : XXXX. A comprehensive investigation into the circumstances surrounding the erroneous closure of my account, including transparent communication regarding the nature of the internal operational error. 
XXXX. Prompt reinstatement of my credit account, with all previous terms and limits restored. Do not run y credit report again since BOFA currently has my credit history. 
XXXX. A review and correction of any negative impact this incident may have had on my credit profile, including communication with credit bureaus and the elimination of any remarks on all of the credit bureaus. 
XXXX. A written apology and assurance that appropriate measures will be implemented to prevent such an error from occurring in the future. 

I understand that mistakes can happen, but it is crucial that they are addressed promptly and responsibly. I value my relationship with Bank of America and expect that this matter will be handled with the urgency and professionalism it deserves. 

Please respond to this letter at your earliest convenience, either via mail or the contact information provided above, outlining the steps that will be taken to address this issue. 
Thank you for your attention to this urgent matter. I look forward to hearing from you soon.
Consumer complaint received 2023-08-19
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. (NJ)

Please be advised that on or about XX/XX/ I submitted a dispute.Asking How information was obtained in regards to a bankruptcy showing on my report. Trans Union sent a letter indicating that the US Bankruptcy Court Furnished information pertaining to the bankruptcy however I contacted the court and the court response was they do not report to any bureau or agency Im having a hard time understanding how this letter from Trans Union States a lie.Im Demanding this be Deleted off my Credit Report.This is in Reference of file XXXX
Consumer complaint received 2023-08-19
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureau XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX : -- XXXX : -- XXXX : -- XXXX XXXX : -- XXXX : XXXX XXXX : -- XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian Experian XXXX Experian Experian XXXX XXXX Experian XXXX Experian XXXX Experian There are several inquiries listed that do not belong to me . It appears there is fraud going in. Someone is trying to open accounts in my name
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: EQUIFAX, INC. (PA)

On XX/XX/22 I spoke to the manager of XXXX XXXX XXXX XXXX, XXXX XXXX, direct dial phone number, XXXX about a dispute involving Equifaxs reporting of the HELOC in the amount of {$25000.00}. XXXX stated that they never received any inquiries from Equifax and if they had they wouldnt have responded to a dispute because they dont report to Equifax XXXX and if there is no response within a specific amount of time the item would be automatically removed. He stated the information would have been removed because they would not have responded. He also stated verification of a debt on a weekend would have been impossible because they are not opened. 

Equifax has not notified the debtor to get this matter resolved. In addition XXXX and XXXX have both deleted the account from my report after there investigations were completed.
Consumer complaint received 2023-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I currently have a complaint open with CFPB XXXX. I am adding to that complaint. The money in the complaint was taken out on XX/XX/2023 and paid back on XX/XX/2023 as instructed in the complaint previously filed. I am now being charged interest. On XX/XX/2023 they charged me {$25.00} interest. I don't know what that is for. The only amount on that account is {$240.00} cash advance fee they charged, and they didn't tell me about. How do I get this resolved? This is causing stress and anxiety.
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MONEY SOURCE, INC., THE (CA)

TMS allied and servbank, You, have been served and are being sued by me. I have subpoena power. But I also get to reduce my cost and request information directly from you. I demand you provide me with the names of the leadership team in XXXX who decided to enforce contract XXXX despite the promises made prior. 

I demand to know the name of the person who authored the XX/XX/2022 letter to me making promises to cancel, remove from credit bureau and remove at insured. 

I demand to know the name/s of the authors of letters and CFPB responses at the lead counsel office. 

If you fail to provide these names then you are forcing me to file subpoenas and once again stealing money out of my pocket needlessly. 

Regards, XXXX XXXX XXXX plaintiff
Consumer complaint received 2023-07-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 3 inquiries on my credit report that I did not authorize. I would like them removed immediately. 

CompanyCAPITAL ONE BANK XXXX XXXX XXXX XXXX CompanyCAPITAL ONE BANK XXXX
Consumer complaint received 2023-08-19
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. (CA)

I received my credit report on XXXX  and noticed there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved credits and loans. I already reached out to the credit bureasus about this multiple times and they keep violating my rights under 15 USC 168b. 

XX/XX/ - hard inquiry - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - hard inquiry - XXXX XXXX XXXX XXXXXX/XX/ - hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX  - hard inquiry - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX  - hard inquiry - XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. 

XXXX XXXX XX/XX/2023
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To provide some background, I discovered that an address I have never resided at or had any association with is listed on my credit report. Upon further investigation, I found that this erroneous address was added to my credit report by a creditor. They claimed to have received notice of the address change from the post office, although I did not authorize or initiate any such change. 

Realizing the potential consequences and negative impact of an incorrect address on my credit report, I immediately contacted Experian to dispute this inaccurate information. I provided them with a comprehensive explanation, supported by all relevant documentation, including proof of my actual address history. Unfortunately, Experian has consistently refused to remove the incorrect address from my credit report, despite my continued efforts to rectify this issue. 

This prolonged ordeal has caused significant distress and has had adverse effects on my creditworthiness. I firmly believe that Experian 's refusal to correct this inaccurate information not only infringes upon my rights as a consumer but also undermines their obligation as a credit reporting agency to maintain accurate and reliable credit reports. 

I have made numerous attempts to resolve this matter directly with Experian, engaging in extensive communication and providing them with all necessary documentation to support my claim. However, their response has been consistently dismissive, leaving me with no other recourse but to seek your assistance in obtaining a fair and expedient resolution. 

I kindly request that the Consumer Financial Protection Bureau intervenes on my behalf and ensures that Experian takes immediate action to remove the incorrect address from my credit report. Despite my persistent efforts, Experian has repeatedly failed to address this issue satisfactorily. This situation has left me vulnerable with regards to my financial reputation and opportunities. 

Enclosed with this letter, you will find copies of all relevant correspondence, supporting documents, and evidence that substantiate my claim. I trust that you will conduct a thorough review of this information and take the necessary steps to bring about a just resolution. 

I sincerely appreciate your attention to this matter and your commitment to safeguarding consumer rights. I have full confidence in your ability to advocate for a fair outcome and hold Experian accountable for their failure to address this issue appropriately. 

Thank you for your time and consideration, and I eagerly await a positive resolution to this longstanding dispute.
Consumer complaint received 2023-08-19
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. (CA)

I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX, I have not authorized this account nor did I know about this account. This account and two other opened on XX/XX/XXXX with XXXX XXXX and XXXX XXXX on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.