davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (IA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00}.
Consumer complaint received 2023-09-28
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. (IA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$1500.00}.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi (PA)

i have contacted XXXX XXXX in regard to the inaccurate payment history they have furnished to credit agencies. a charge off was reported in the payment history to XXXX  but in the same month it was reported on time to XXXX this a violation of 15 usc 1681s ( a ) ( 1 ) ( A ) ( B )
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank, IKEA credit card, issued rewards to me that are not being honored at IKEA stores. After receiving a {$15.00} reward from Comenity Bank, I attempted to use the coupon at the IKEA store in XXXX, NC. XXXX refused the reward coupon, stating it was invalid. 

I contacted Comenity Bank and asked for a {$15.00} credit on my bill for their mistake. I was refused and told over XXXX reward coupons were not working due to computer problems. 

I feel that Comenity Bank is not upholding the customer user agreement. I want an immediate {$15.00} credit to my account. This reward expires within days. I can not utilize the reward as of this date.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I opened a checking and a money market account ( MMA ) with Fifth Third Bank online on XX/XX/2023 and set up a link of these accounts with an account my XXXX  and I have at XXXX XXXX. After the link was confirmed, I initiated within my login at Fifth Third two ACH transfers from XXXX, one for {$10.00} into the checking account at Fifth Third and another for {$25000.00} into the XXXX at Fifth Third. The {$10.00} deposit was processed successfully on XX/XX/XXXX and there is no issue with it. However, Fifth Third never deposited the XXXX  XXXX transfer into my XXXX at Firth Third, even though they had debited the amount from our XXXX account on XXXX XXXX, XXXX. Furthermore, they locked my accounts such that I could not login to access my accounts. Subsequently, Fifth Third sent a letter to me threatening to close my accounts and report to credit bureaus such that other institutions may not do business with me in the future. I called Fifth Third and went to their local branch twice and spoke with the assistant branch manager. They kept telling me to ask XXXX XXXX  to file a claim to get my money back, even after I had both the 53rd manager and a manger at XXXX speak to each other on the phone directly. 

The fault is 100 % Fifth Third 's because they had my funds and there was absolutely no reason for them not to deposit my funds into my account. However as of today ( XX/XX/2023 ), the issue persist.
Consumer complaint received 2023-11-09
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. (CA)

I am writing to address the issue of unauthorized hard inquiries that have been reported on my credit profile, which I previously brought to your attention via mail. I submitted a dispute letter outlining my concerns regarding the inaccuracies and fraudulent nature of these hard inquiries. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I filed to opt out of XXXX from sharing my information. I received a email stating that because of me being a victim of identity theft twice. They agreed to stop sharing my information. But they are still sharing my information with Experian, XXXX, XXXX A bankruptcy is being reported from XXXX to those agencies mentioned above XXXX has responded to the complaint I filed with the CFPB saying they emailed me today XXXXXXXX  and couldn't get my i.d and recent mail to authenticate my identity. 
There was no email sent to me Can XXXX provide proof they sent a email asking for my i.d and recent mail. 
I will include a copy of my recent mail and I.D So XXXX has my full identity Everything should be able to be handled online between all 3 parties Me the cfpb and XXXX
Consumer complaint received 2023-09-28
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. (TX)

In according with the fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, 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 furbish an account without my written instructions.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo will not correct the second mortgage showing on my title and they have been avoiding it for over 15 years. This time they are trying to blame it on another bank, XXXX XXXX XXXX. I want this corrected. I have never had a second mortgage.
Consumer complaint received 2022-11-24
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. (PA)

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 XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 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 2023-06-05
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: EQUIFAX, INC. (TN)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CH-XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect ; No contact information If you are unable to verify the account. The information should be removed from my credit report. Thank you for your help.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates purchased a credit card account of mine that had been charged off. They filed a suit in XXXX court against me for the full amount of the charged off debt. They've presented a bill of sale showing they purchased several accounts, but they didn't show the actual amount paid for my account, which is likely about {$0.00} on the dollar, yet they want to collect over {$1700.00} from me. They have repeatedly called me after they filed suit.
Consumer complaint received 2022-09-20
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)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverifiable Account Reporting
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX XXXX XXXX  ACCT # XXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from my current mortgage company ( Nationstar Mortgage, also known as Mr. Cooper ) that my mortgage will be serviced by XXXX XXXX XXXX   effective XX/XX/XXXX and that they will stop accepting payments on XX/XX/XXXX. This violates the 15-day notification rule 1024.33 ( b ) ( 3 ) ( i ). Also, I received the second letter on XX/XX/XXXX, dated XX/XX/XXXX that my ACH transfer for the month of XXXX will take place around XXXX business days after XXXX/XXXX/XXXX and that my account will not be assessed a late charge fee, but they do not say anything about interest charges that might be assessed by XXXX XXXX if the mortgage payment is processed this late in the month. Also, I logged in to my new XXXX XXXX Mortgage account online, but I do n't have an option to make a payment on my own.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have, and continue to, receive nuisance robo calls from various Georgia area code numbers with the name listed as 'PORTFOLIO RECOV ''. This has been happening for at least seven months. I have excellent credit rating and have no delinquent debt so I know this isn't legitimate. I keep blocking numbers and they keep calling from different ones. They never leave a message. Here are the latest calls : XX/XX/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 That is just from this month. The earliest call I still have on my phone is on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This has been happening for longer than that, that's just as far back as my phone is keeping history of calls.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  Opened XXXX. 
{$290.00}
Consumer complaint received 2023-08-09
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. (TX)

The XXXX fraudulent XXXX XXXX accounts were opened between XXXX and XX/XX/2023 ( Im not sure the exact date as i didn't open them, im giving information based off my credit report ). 
Balances for each accounts are {$2600.00}, {$2500.00}, and {$1600.00}. They were opened using my information, including social security number, address and possibly my personal cell number. I filed a police report, and currently in process of changing my social security number, phone number, etc. I need those accounts removed from being associated with my name on every aspect, whether it's my credit report or something else, and my credit restored back to 750+/ back to normal, as they were opened fraudulently.
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

I applied for credit for a vehicle loan XX/XX/2020 at a local bank where I done business before.The lender said my Equifax credit inquiry said my information was identified as potentially fraudulent or misused, there for consumer report was not available.I have made 20 or more attempts the correct the problem through Equifax each time they tell me to send information to identify me and all I have gotten is a card in the mail that says I have not applied for credit recently or I have not actively used my credit in the past 10 years or I have not been issued a social security number all of which are not true.Equifax will not offer any support to help me correct this problem.I have no plan or any way to fix this problem with out knowing what to do.I have faxed information to them 3 different times that they said would solve this problem but each time they say no fax was received.
Consumer complaint received 2018-04-17
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. (GA)

XXXX, XXXX, And Equifax Credit Bureau are reporting an unknown public record on my credit file that is hindering me from getting the proper finances to support my XXXX XXXX daughter and I was denied an mortgage loan because of it. 

They have a police report on file, that I have sent a total of 6x with the account on it.

This is unfair!!!! 

Public Record # XXXX
Consumer complaint received 2024-05-01
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: DISCOVER BANK (GA)

I recently reviewed my credit report and noticed unauthorized inquiries and/or fraudulent accounts opened in my name. I'm writing to inform you that, according to the Fair Credit Reporting Act ( FCRA ), these unverified and unauthorized items must be removed from my report. I request that you investigate and correct this information immediately, as the FCRA legally requires the removal of such inaccurate and fraudulent data. Please take prompt action to rectify this situation and protect my credit integrity.
Consumer complaint received 2022-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.