davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against XXXX XXXX XXXX XXXX & XXXX for XXXX Credit Reporting Practices Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX for unfair and misleading credit reporting practices that have adversely affected my credit score. 

In XX/XX/XXXX, I relocated from Maryland to California and promptly notified XXXX XXXX XXXX XXXX XXXXXXXX ) of my move, requesting the cancellation of my membership. Despite following the proper cancellation procedures, I continued to be charged for the membership fees, which led to an unjustified outstanding balance. This balance was subsequently sent to collections and handled by XXXX XXXX XXXX. 

Upon realizing the oversight, I paid the full amount of around {$200.00} in XX/XX/XXXX. However, this collection account was reported to the credit bureaus, resulting in a 3 plus point drop in my credit score. This negative entry remains on my credit report, despite my immediate action to rectify the situation. 

As a recent graduate who is working to establish a stable financial footing in a new state, this significant drop in my credit score is a major impediment. It is deeply concerning that a minor billing error on the part of XXXX XXXX which I addressed in good faith, has led to such a lasting SEVEN YEAR negative impact on my credit report. 

I am requesting the CFPBs intervention to have this collection account removed from my credit report. I believe this situation is a clear case of unfair credit reporting and that I have been penalized unjustly. I have attached copies of all relevant documents, including proof of my move, my cancellation request, and payment of the outstanding balance. 

Thank you for your attention to this matter. I appreciate your assistance in helping to rectify this issue and restore my credit standing.
Consumer complaint received 2023-07-17
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. (MD)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-01-31
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. (MA)

I have recently reviewed my credit report and found inquiries from the following institutions that I do not have any consumer accounts : with them. 


1. XXXX XXXX : XX/XX/XXXX 2. XXXX  XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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: Tower Loan of Mississippi, Inc. (MS)

On XXXX/XXXX/1019 Tower Loan did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it online.
Consumer complaint received 2021-01-28
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/year>, I applied for a U.S. Bank Payment Solutions Merchant Account using a link that offered a {$500.00} bonus upon settling at least {$50.00} of payment activity within 60 days of account opening. The bonus was to be paid out by the XX/XX/year> billing cycle. I successfully met this requirement ( I satisfied the requirement by XX/XX/year> ) but never received the bonus payout. 

After contacting U.S. Bank, XXXX ( U.S. Bank 's payment processing team ), as well as XXXX XXXX ( the U.S. Bank employee that opened my account for me ), I was told I would hear back regarding this issue within 7 days. Instead of hearing back from anybody, I instead received an email notifying that account had been closed. 

The bonus never paid out, and thus, I would like to finally receive the {$500.00} bonus owed to me.
Consumer complaint received 2023-07-18
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. (PA)

n accordance with the Fair Credit Reporting act XXXX Accounts 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, 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
Consumer complaint received 2023-07-17
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: WHEELS FINANCIAL GROUP, LLC. (CA)

I urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (TN)

On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been 60 days and I still haven't received a response
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Network Recovery Inc (CA)

FINANCIAL NETWORK RECOVERY, is attempting to collect on a debt that was charged off and sent to Collection in the year XXXX. The XXXX XXXX XXXX XXXX California and the original collection agency failed off my credit report after the XXXX  year term had expired. Only fit it to reappear on all XXXX of the credit, Through a credit repair company I was informed that a few collection reported on my report credit report are being falsely reported. 

Collection agencies are using deception when reporting to credit bureau. The date of opened XX/XX/year> is misleading and have you believe that is the date of default. The 7 year term start from the month day and year the person default on their credit obligation. Not when they bought the debt.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The have sent multiple letters to the credit reporting bureaus ( TransUnion, XXXX and XXXX ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.
Consumer complaint received 2023-05-29
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. (GA)

I told the Experian, XXXX, and XXXX to reinvestigate these accounts Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 below is the list I dispute to them a Charge off Collection or Derogatory account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also dispute to them those open accounts that has late payments Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

Below are the open account I disputed that has late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (NH)

I sent the letters on XX/XX/2023, from the postal office. Here is my receipt number : # XXXX. The purpose of the letter was to request an investigation and removal of fraudulent and incorrect accounts on my report. Initially, I had some hope, but unfortunately, nothing changed. This time, there are renewed dates with incorrect information and possible fraud, as well as a new address where I have never resided. This is a clear case of fraud and abuse of my rights. Attached, you will find the receipts along with the letter and additional proof. 
I took the time to educate myself further on my rights, and according to the Fair Credit Reporting Act ( 12 USC 1681 ), I am entitled to privacy protection. Additionally, in conducting my own research to safeguard myself, I discovered that no financial institution should share my information with a third party, as outlined in the Gramm-Leach-Bliley Act ( 15 USC 6802 ). 
Please assist me in having these accounts removed. This not only affects my life but also my family 's. 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 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 2023-05-30
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. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : 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 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 2017-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AL)

Closed a store card with  XXXX ,   XXXX   XXXX  , and paid the account in full. Bank charged a late fee despite account being closed and having a  XXXX  balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a   XXXX    balance.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion 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. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX ) : XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Transunion CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  ( XXXX XXXX ) - XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX ) - XX/XX/XXXX, XXXX XXXX XXXX XXXX Finance/Personal ) - XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Bank )- XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX ( Bank ) - XX/XX/XXXX inquiries not authorized by me. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

Notice is hereby given to XXXX Goldman Sachs Bank, APPLE CARD that on or about XX/XX/XXXX, APPLE CARD CASE # XXXX was open without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account with GS Bank, account number XXXX, dated opened on XX/XX/XXXX. 
Plaintiff/Affiant requests that GS Bank immediately close the Fraudulent Account and cease reporting it or any information relating to it to any consumer reporting agency. 
Notice is also hereby given to the major consumer reporting agencies, XXXX, XXXX, and XXXX, that on or about XX/XX/XXXX, without Plaintiff/Affiant 's consent or authorization, an individual engaged in identity theft and used Plaintiff/Affiant 's personal identifying information to open the Fraudulent Account. 
Plaintiff/Affiant requests that the consumer reporting agencies investigate the Fraudulent Account and any inquiries relating to it, and block any information regarding the Fraudulent Account from appearing in Plaintiff/Affiant 's consumer reports.

Plaintiff/Affiant 's personal identifying information, including but not limited name, address, date of birth, and Social Security number were compromised and used without consent to open the Fraudulent Account.

Plaintiff/Affiant certifies that they did not authorize the Fraudulent Account and is a victim of identity theft as defined by 15 USC 1681c-2 and 12 CFR 1022, Regulation V.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Worldwide Recovery LLC (SD)

I received a voicemail from a local number XXXX. She stated her name was XXXX but did not say who she works for. She stated I have 2 felony fraud charges and someone would be coming to my place of employment to detain me in the next 24 hours. The number to call back was XXXX. She also stated that the message was my legal notification of pending action.