davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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)

I am writing to bring to your attention a concerning matter involving Experian 's failure to conduct a proper investigation and subsequent removal of an inaccurate account from my credit file. This situation is in direct violation of the Fair Credit Reporting Act ( FCRA ) and demands immediate intervention to rectify the issue and uphold the integrity of credit reporting. 

I have identified an erroneous account listed on my credit report, which is adversely affecting my creditworthiness. The details of the account are as follows : Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  XXXX I have followed the appropriate procedures to dispute the accuracy of this account directly with Experian, providing all necessary documentation and evidence supporting my claim. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to conduct a reasonable investigation within 30 days of receiving a dispute. It has been well beyond this timeframe, and Experian has failed to meet its legal obligation to conduct a thorough and proper investigation. 

Furthermore, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA, if the credit reporting agency can not verify the accuracy of disputed information, it must promptly delete the disputed information from the consumer 's file. Experian 's refusal to adhere to this provision is a direct violation of my rights as a consumer. 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention in this matter to ensure that Experian fulfills its legal obligations under the FCRA. I urge you to investigate this case thoroughly and expedite the removal of the inaccurate account from my credit file. This action is critical to restoring the accuracy and integrity of my credit report and maintaining the consumer protections established by the FCRA. 

I have attached copies of relevant documents to support my claim and request that this matter be addressed with the utmost urgency. Your prompt attention to this issue will be greatly appreciated. 

Thank you for your assistance in resolving this matter and upholding the consumer rights protected by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
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. (TX)

N accordance with the fair credit reporting act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-08-21
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. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA USA lied to me and mishandled my funds in my account and paid a fraud levy that was sent to them from a fraud Child Support whereas the person robbing my account pretended to be apart of the California Child Support system sent them a levy they fraudulently created. I had problems with banks paying fraud levys in the past and went to a government office in XXXX XXXX and the women removed this fraud case before my eyes it was old and suspicious an empty case in the system and she also sent the removal to the California XXXX. Someone used my social security number a hate crime and created this Child Support case that was removed from the system in identity theft. I gave BBVA USA proof that XXXX bank got a levy and paid out money from my account and credited me after they found out it was a fraud I gave BBVA USA the documents before I opened an account with them I was afraid my account would be robbed so before I agreed to open an account I just wanted to make sure that they would not give my money away unauthorized they told me before they would give my money away the would get my authorization to pay money from my account. My account was debited : XX/XX/2018 {$6600.00}, then {$170.00}, then {$220.00} and {$73000.00} they paid this money XX/XX/2018 to a fraud posing as a Child Support Collection. 
I need my money back, depositors money is not for you to give away to frauds give me my money back your representatives lied and said you would protect me as a consumer and my account from fraud activity.
Consumer complaint received 2022-10-22
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. (GA)

Re : XXXXXXXX XXXX XXXX XXXXXXXX Account, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Consumer complaint received 2023-08-15
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-14
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)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-10-22
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. (GA)

Re : XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received, and they need more information to research the credit bureau reporting of the account in question. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Consumer complaint received 2023-08-14
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. (FL)

REVIEW THE LETTER I SENT REGARDING THE INQUIRIES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I filed a chap ter  XXXX  bankc ruptcy on  XXXX   2015  and Experian still showing in my credit report   XXXX   account late, I only have  XXXX  new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in   XX/XX/XXXX   and they did not do anything. Can you please help me with this issue. Thanks
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KS)

Tuesday XX/XX/2023 a charge was made on my checking account for XXXX $ to comfort inn and suites in XXXX XXXX. I was out of state during the transaction. I disputed this charge over 8 times with my bank. They are providing me no proof backing their choice in this matter. I've called them multiple times about this and even provided documents that prove I was out of state when the transaction came through.
Consumer complaint received 2017-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (CA)

I have an account TD BANK USA/TARGET CREDIT # XXXX reporting to XXXX XXXX and XXXX.ALL 3 report vastly different from each other and yet each credit bureau verifies it as accurate.I 'm attaching all 3 different reports from all 3 bureaus.The payment histories are different and conflict with each other.The account was open in XXXX and CLOSED BY GRANTOR onXX/XX/XXXX, according to XXXX. XXXX says max delinq.of 120 days on XXXX ; XXXX says 120 days delinq.on XX/XX/XXXX.XXXX shows 90 days late XXXX, XXXX shows 90 days XX/XX/XXXX.XXXX shows c/o XXXX XXXX XXXX shows 120 days late XX/XX/XXXX.XXXX shows closed on XXXX, XXXX says closed XX/XX/XXXX.the DOFD is XXXX ON XXXX and XXXX on the other XXXX.I 'M ENTITLED BY THE FCRA TO COMPLETE AND ACCURATE CREDIT REPORTING WHICH I DO NOT HAVE NOW OR IN THE LAST 7 YRS NO MATTER HOW MANY TIMES I DISPUTE WITH THE CREDIT BUREAUS ... always comes back verified and still all 3 bureaus do not agree with each other.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I was on the website to verify my profile information because I have a new credit card. I found out that my card was cancelled. This seemed false and the reason for the cancellation appeared to me to be false. The website said that the cacellation was due to the Mobile phone and Home phone numbers were the same number AND caused confusion on their system. Further, in XXXX I received a letter regarding my account that following the XX/XX/XXXX statement, their would be a change in my Credit Card account ending in XXXX. The notice applies to Home Depot Consumer Credit Card ( a Citi product ). In addition, my profile information shows that the email I had changed in XX/XX/XXXX had been reverted back to the old email. I did call the number provided about the issue, XXXX. Previously, web profile changes were provide a different number, XXXX. The person on the phone at the number given said my card was cancelled due to inactivity. This is not only false ; but a bad business practice too. I would not have applied for a card if I knew that they would remove me because they didn't like that I hadn't bought anything. They should have to disclose this information. I do mind the lying, false information and disregard of my credit information. They could have sent me a cancellation letter, if this is true. So I'm filing a complaint. In addition, i wish to mention that when calling the number provided, Home Depot is asking for permission to allow third-party information, other partner sharing, mobile phone calls or texting in order to contact me. I don't believe that these are jointly-shared permissions. There is now no way to remove the permission I just gave in order to use the text features which ordering frequently needs to use. Credit cards also use 2-step verification using text messaging to provide the access code. This seems to an invitation to provide unwanted and even spam messages to my email or text messages.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My Name is XXXX XXXX XXXX : XX/XX/XXXX i have XXXX accounts XXXX, XXXX that on my credit that XXXX shows open and XXXX is closed both with a balance and i have submitted a dispute for them and i have submitted prove that shows its a XXXX balance with no past due balance first dispute number i sent is Confirmation number : XXXX see attached is the results saying " A Temporary Update Freeze On File '' and i have attached prove that is XXXX balance and still came back i have contacted XXXX XXXX and they said they have not reported any thing since XX/XX/XXXX and have not received any dispute from equifax and they sent me report showing that XX/XX/XXXX was last time reported with XXXX balance. which is attached as well. called equifax multiple times as well and every time they tell me it's on XXXX XXXX and same with XXXX XXXX tell me it's on you guys that you need to fix what you are reporting. Finally, I submitted new dispute # XXXX that shows that they reported the last time on XX/XX/XXXX. Please help me. I need to buy a house and this is holding me back from doing so. I need the correct information to report as XXXX and no pass due My cell number is XXXX if you need any more information. 

Thanks XXXX XXXX Account # XXXX, XXXX
Consumer complaint received 2023-05-04
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. (NC)

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I have communicated with XXXX regarding the bankruptcy that is currently reporting on my credit report and they have provided confirmation of this bankruptcy case : ( XXXX ), is not listed in their system with my profile. Attached you will find the correspondence from the Bankruptcy court house and XXXX XXXX regarding this matter. Please remove these items that do not belong to me from my credit report. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-05-29
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. (MD)

Theses companies are violating my rights reporting in accurate information on my credit report can you please remove I already contacted the furnisher and requested to remove theses accounts XXXX account number XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 Section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1666B 15 U.S.C 6802B
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX XXXX When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all 3 credit bureaus ( XXXX, Transunion, XXXX ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to Transunion at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Consumer complaint received 2023-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I was informed that cfpb contact the agency and informed them to contact me. Never happened. In fact again since I have had this mortgage I have been transferred between the companies XXXX XXXX XXXX and Mr. Cooper all owned by the same cooperation. 
they have created a hardship with these illegal activities they were trying to force me into a non exsistent Modification. which at the time I was never late. this cooperation Preys on the elderly and assumes that we will not fight, they do not comply to instructions your company provided because to date they have not complied to your suggestion as well.