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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act the list of the counts below has violated my federally protected consumer rights to privacy under the 15 usc 1681 its capital one account number XXXX has violated my rights 15 U.S.C 1681 section 602 A. 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
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I recently looked at my consumer report and I seen an item that is not mines according to me being a victim of identity theft this is not suppose to be reporting to my credit report I did not give this person Consent to report to my consumer report or did they notify me of the item
Consumer complaint received 2022-11-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-11
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. (MN)

Despite multiple written requests, the erroneous accounts 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 XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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
Consumer complaint received 2022-11-11
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. (FL)

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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-11
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. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

i understand my financial obligations. i have been a long time customer and making payments on time is a major priority. 
i made the mistake in falling behind ONE time i opened account with kohl 's in XXXX Account # XXXX XXXX XXXX XXXX I lost my wallet and dept card. 
not realizing that my auto pay for Kohl 's was still with my old dept card and missed one payment in XXXX i assure that this is not a reflection of my commitment to meeting my financial obligations. 
i have taken the steps to ensure that this does not happen again in the future. 
this late payment will hurt my ability to qualify for a mortgage. it would help me immensely if kohls could give me a second chance and make a goodwill adjustment to remove the late payment from my credit report
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention a matter regarding inaccuracies in my credit report maintained by Equifax. Upon reviewing my credit report, I have noticed that my current address has not been updated and there are several outdated addresses listed. This discrepancy not only affects the accuracy of my credit profile but also raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( a ) ( 4 ).

Section 1681 ( a ) ( 4 ) of the FCRA mandates that consumer reporting agencies such as Equifax must ensure the maximum possible accuracy of the information contained in consumer credit reports. This includes maintaining up-to-date and accurate information regarding consumers ' addresses. Failure to comply with this provision not only undermines the integrity of the credit reporting system but also infringes upon the rights of consumers.

I want to emphasize that this is not the first time I have brought this issue to Equifax 's attention. I have previously disputed these inaccuracies multiple times, yet the necessary updates have not been made. Equifax 's persistent failure to address this matter in a timely manner is not only a violation of the FCRA but also a violation of my rights as a consumer. I KEEP DISPUTING AND ASKING FOR THE CORRECTIONS OVER AND OVER AGAIN!!

It is imperative that my current address is reflected accurately to ensure that I receive important financial notifications and correspondence in a timely manner. Additionally, outdated addresses may potentially lead to identity theft risks and could result in erroneous reporting on my credit file.

I kindly request that Equifax take immediate action to update my address to the following : XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I request that all outdated addresses be promptly removed from my credit report to ensure compliance with FCRA regulations. Please provide confirmation once these updates have been made.

I trust that Equifax will handle this matter with the utmost urgency and diligence to rectify the inaccuracies in my credit report. Your cooperation in resolving this issue promptly is greatly appreciated.

Thank you for your attention to this matter.
Consumer complaint received 2022-11-11
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct this immediately : 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
Consumer complaint received 2022-09-15
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. (MO)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$8200.00}
Consumer complaint received 2019-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (NJ)

I have a HELOC with the respondent. The account number is XXXX. 

The mortgage repeatedly is past due despite the fact that I have consecutive monthly withdraws sent from my bank. This time I caught the annual fee, which I swear was not disclosed during the application process. The respondent swears that I have an outstanding payment of {$130.00}
Consumer complaint received 2022-11-11
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. (TX)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

The following accounts are being incorrectly reported to belonging to me. 

CB/VICSCRT {$220.00} Charge off XXXX {$500.00} Charge off Both accounts say they were opened in 2017 Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed and have reported the theft. These accounts are fraudulent and arethe result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. 

My rights to fair credit reporting have been violated.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2019 I made an electronic payment to BBVA credit card. My balance in the statement was only {$21.00}, I overpaid them {$170.00} more. On XX/XX/2019 I called to request a refund, customer service asured me that a check for that amount should reach me in 7 to 10 business days. The ticket # created XXXX. On XX/XX/XXXX called again about same issue, they said money was paid electronicly back to my account through a third party called " Free check '' I assured them that they told me that they could not do it elctronicly because I did not have a checking account with BBVA, after going throug a rollercouster with phone transfers, a customer service name XXXX assured me that she was going to do it right, because I asked to talked to a supervicer, she said the same, I should receive it in 7 to 10 businesd days. XX/XX/2019 called again spoke with XXXX, he said the same tha my money was sent to check free and nothing they could do about, asked to talked to a supervicer, waited 30 minutes or so, finally a superviser named XXXX came to the phone, said sorry your money was paid XX/XX/XXXX through check free, nothing we can do about it, is something that is happening all the time, sorry nobody explained you that we returned your money the same way it came through and check free has it or your bank need to follow up on that. She said that she called them in the mornig about another case because is happen all the time. Case # XXXX. Went to a BBVA branch to see if they could escalate my issue, but he just called customer service told him the same, he told me the same follow up with your bank because they paid your money. No help either.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC. (MA)

I opened the Santander Bank " Ultimate Cash Back '' Mastercard at the branch because I was told I would have interest-free cash advances for a year. This turned out not to be true. I already filed a complaint with the bank which was resolved ( they refunded my interest charges ). Now there are fraudulent charges being made to the card. I tried to resolve this. The charges were removed, but keep reoccurring. I asked for my account to be closed but the bank did not close my account. I emailed several times with the regional VP XXXX XXXX XXXX who told me several times that I need to call customer service, which I also did several times. ( Note that I am currently working in XXXX XXXX so this was difficult with time differences and no toll free number from here. ) Customer service initially reversed the charges and told me my account would be blocked, even though I clearly asked my account be closed. The account then continued to rack up fraudulent charges. I can not file claims using the bank 's website or phone app, the only way is to call. I have repeatedly asked to close the account. I need help to close the account.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

On or around XX/XX/2022 I filed disputes for public records and another account with documents showing inaccuracies in the information and theyre not doing a proper investigation of the accounts I will attach the documents I sent over showing this information. 

According to the law XXXX5 U.S. Code $ 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 
I would like to know who did they talk to. 
How did they complete this investigation. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy. 
Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2019-12-07
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. (AZ)

I utilize a credit monitoring service. On XXXX I discovered my Equifax rating had dropped over 150 points. My mortgage is being reported as being " in foreclosure '' despite having a 100 percent on time payment history and being current.
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This dispute was filed with TransUnion on XX/XX/2022. I have been waiting over 7 months for a response. I have suffered great hardship from the failure of TransUnion to respond. I had no choice but to file a complaint with the CFPB. 


These are the files that were disputed on 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  DateLastActive I have also attached a copy of my Credit Report from XX/XX/2022 and a copy of my original disputed letter. 

According to the FCRA XXXX under section XXXX. XXXX in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) it states : In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also section 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) ( A ) ( i ) ( ii ) 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If I would not have contacted the CFPB, I still would have not gotten a response for my dispute which is obviously over the 30 day time frame allowed by the FCRA. All accounts disputed are attached and by law needs to be deleted immediately! 

As you can see TransUnion clearly broke the law and disregarded the rules and regulations under the FCRA. I have included a copy of the disputed letter sent to XXXX on XX/XX/2022, as well as my credit report before and a report 7 months later with no changes.
Consumer complaint received 2022-11-11
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX