davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Consumer complaint received 2022-11-10
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. (FL)

I am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : TRANSUNION : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-11-10
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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: EdFinancial Services (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MA)

To Whom It May Concern : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. LexisNexis states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from the United States Bankruptcy Court stating that they DO NOT report any information to consumer agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies XXXX and LexisNexis because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, LexisNexis is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 

Thank you for your help in this matter. 

XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 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 has violated my rights. Or a list of inquiries : 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 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX 2023, my account statement on my Bank of America credit card was {$170.00}. I mistakenly paid off the amount of {$200.00} twice ( {$400.00} ). I claimed and they refund to me into my XXXX XXXX the amount of XXXX, leaving a credit of {$29.00}, this is ( {$200.00} minus XXXX ). Now, in the XXXX statement, I have a balance of {$140.00} which is good, but they added the same amount they refunded to me, arguing I owe them the amount of {$350.00}. Of course, this is ridiculous and I ask : does it make sense?
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-24
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. (MS)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (GA)

On XX/XX/XXXX, I sent a dispute complaint letter to midland mortgage and the XXXX confirmed delivery of the letter to Midland Mortgage, XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received any confirmation from Midland mortgage nor any attempt to correct my issues I addressed in the dispute. ( XXXX ) Midland mortgage has been misappropriating the funds in my escrow account for the last XXXX years and ( XXXX ) this year they even pulled funds out of my escrow account to pay for fees and penalties that arose due to their negligence and lack of due diligence. ( XXXX ) As of today XX/XX/XXXX my property taxes still show a balance due for the XXXX tax year!!!!!! I have addressed all of this in my prior complaint letter to midland mortgage and I have called midland mortgage on numerous occasions before I sent the complaint letter and they refuse to address my concerns. My mortgage has been paid months in advance since XXXX so their treatment of my account is fully inexcusable.
Consumer complaint received 2023-02-16
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the information reported regarding the charged-off account with the reference number XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  # XXXX,. The discrepancy arises from the differing last active dates reported by TransUnion and XXXX, which has led to confusion and inaccuracies on my credit report. 

Upon reviewing my credit reports, I noticed that TransUnion has listed the last active date as XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This inconsistency has raised concerns regarding the accuracy and integrity of the information being reported, potentially affecting my creditworthiness and financial standing. 

I kindly request that you thoroughly investigate and rectify this matter promptly. I expect the credit bureau to conduct a comprehensive review of my account information and make the necessary corrections to ensure that the reporting is consistent and accurate across all credit bureaus. 

In accordance with the Fair Credit Reporting Act, I am formally requesting that you provide me with a written explanation of the steps taken to resolve this dispute. Additionally, I request that you provide me with a corrected copy of my credit report reflecting the accurate and consistent last active date for the account in question.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have currently been a loyal customer with Capital One Credit for about 5 years now never missing a payment with the company. I have recently discovered an issue with my XXXX Bank with XXXX XXXXXXXX XXXX sending over payments to the credit card company. XXXX XXXX  XXXX have been keeping the fund for long amounts of time showing that its out of my account when payments are sent of my he account. On the other end with my credit card company showing that they have received payment. Being that my bank will show the money out of the account I will continue to pay my other bills but In reality they never took the amount out of the account to the credit card company. This causes payments to bounce and the credit card company to send back the payment. This continued to happen and caused my credit card company to close all remaining accounts with them ( 4 accounts including a business account ). Im no longer able to use the credit card for all my accounts and are not remaining to pay the balance including be charged large amounts of interest each month for all 4 remaining accounts with capital one. I once again never missed payments with them, and would always have to send out more money to them when they would send the payment back. I tried to get in contact with Capital one on this and they replied that there is nothing they can do.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I received an letter in the mail that I am being sued in court for a wage garnishment on a credit card that is over ten years old. My employer has also received a letter as well. This is very upsetting, and humiliating for me at work. I called Portfolio Recovery on XX/XX/23 and spoke with an XXXX and she said there is nothing anyone can do about this but to let the wage garnishment work it's course. I make {$15.00} dollars an hour and barely make it as it is. So I called again the next day XX/XX/23 and spoke with a XXXX not sure how to spell it but that is exactly how she pronounced her name. I explained to her I received this letter that I was being taken to court to sue for wage garnishment, and she also said the same thing that XXXX told me the day before, I have to let the wage garnishment take it's course? I am not sure what to do now, because I make barely enough to get by, and Portfolio Recovery after all these years is going to garnish my wages? Is there a way to halt this due to statue of limitations?
Consumer complaint received 2018-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

" On XX/XX/2018 I was denied by both XXXX AND WESTERN UNION after creating online account. This is not the first time conducting business with either money transfer agents. I have noticed a pattern that each time, it is allowed and verified ;. CANCELLATION OF BOTH MY TRANSACTION RESULTED. ". The only provide reason of going to a local agent and trying that way. '' " I am verifying payment was successfully sent via WU. That is Western union_Your tracking number is ( MTCN ) XXXX. Shorthly after notifying by writing email to the business called " XXXX moving and storage located at XXXX XXXX XXXX XXXX, XXXX FL XXXX that would also track their confirmed receipt of payment on my end. '' WU called me and emailed me to verify this transaction ;. after 12 hours, it was cancelled next day and I received a message by XXXX XXXX that morning as I kept a record of it for your reference as not the first time in coincidence with XXXX. '' " PROBLEM_UNAUTHORIZED BROKER HAS GIVEN MOVING COMPANY THE RIGHT TO HOLD MY BELONGINGS IN UNKNOWN LOCATION. The origin was from XXXX " XXXX '' by XXXX XXXX limited export manager. '' I have also kept them in the loop on the activities as they also refuse to provide insurance documents, moving legalities on paperwork that was initiated for customs and border completion. '' " There are not corresponding but delaying when they write back even for acknowledging this attempted money transfer payment for planning the release with RECEIPT OF BANK TRANSACTION. I am requesting my XXXX " XXXX '' is requested ASAP. A reminder of your time, day of week for delivery is has not been promised. It is necessary before the incurance of addt'l storage fees. '' " The businesses both known as XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX refuses to accept alternative forms of payment such as checks, credit cards, money order. They both insist that I bank transfer account to account the money but thaere are issues doing so. ". I also have noticed a problem with the XXXX XXXX XXXX ACCOUNT provided by XXXX XXXX HAS NO ACCOUNT NUMBER per the acct receivables assistant " " BOTH EXPORTER/IMPORTER demands that I send money because they had not provided a business address within the XXXX now that I have been told the money was not acceptable that method '' AS WELL AS WHERE THE " XXXX '' is presently unknown?
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX } has listed { negative listing } on my EARLY WARNING file. To my knowledge, I have never had account with { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX } be permanently removed from my EARLY WARNING report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Consumer complaint received 2017-05-17
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: EQUIFAX, INC. (LA)

After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ;  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Equifax  XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX    XXXX    XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (TX)

Received a text stating I was approved for a credit card that I did not apply for. 
Then found out that my mother and my son both received a message on messenger that appeared to be from me, but was not, asking what my fathers middle name is. Someone fishing for answers to security questions. This credit card company ( XXXX ) did a hard inquiry on my credit and caused my score to drop. I have been working quite hard to get my score up over the past few years and this sure doesn't help.
Consumer complaint received 2024-04-01
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. (VA)

I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.