davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
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. (FL)

Equifax mortgage services XX/XX/XXXX XX/XX/XXXX Credit inquires that were not authorized, dont recognize it XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA (NC)

Goldman Sachs declined my XXXX XXXX application based on " You have recently been past due '' using XXXX  as the credit report. XXXX says there are zero recent past due accounts. Goldman Sachs says XXXX reports recent past due accounts to them. Goldman Sachs refuses to tell me what the past due accounts are. XXXX  says there are none and therefore I can not dispute anything. My score on the decline letter is XXXX. I am appealing to the CFPB because I have no way to dispute " recent past due '' accounts that do not exist. Note that Goldman Sachs blames XXXX and XXXX blames Goldman  Sachs. Numerous calls to both, recorded by them, have failed resolve.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally file a complaint regarding my persistent efforts to correct a late open accounts on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct these late open accounts : XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$15.00}.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HarrisLoftus, PLLC (DC)

Today ( XXXX XXXX ) I submitted an application for an apartment, and to my surprise I was decline. It stated I was being decline due to XXXX reporting a Civil Court Record by XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX that was filed on XX/XX/XXXX and judgement date on XX/XX/XXXX. I was unaware I even had a judgement. I quickly contacted the Silver Collection Property Manager ( XXXX XXXX ) and she confirmed that I have a {$0.00} balance and provided me with my general ledger with the Silver Collection as of XX/XX/XXXX ( please see attachments ) that shows from XX/XX/XXXX through XX/XX/XXXX I have fulfilled my monthly rent during my tenure at this property. And I was never evicted from the XXXX XXXX. So, I don't understand how a judgement was entered on XX/XX/XXXX and I still reside at the property until the end of my lease on XXXX XXXX.
Consumer complaint received 2023-02-13
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)

I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy and that is not the case here with the attached account.

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!
Consumer complaint received 2023-02-20
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: TRANSWORLD SYSTEMS INC (CA)

Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was opened. They asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, This account recently re reported to my credit profiles in XX/XX/XXXX for {$370.00} which is inaccurate information because this account does not belong to me. Initially the account was reported back in XXXX in which they deleted it and attached is a letter I received from them now they are reporting that I owe the same amount but under a different account number, I believe this company is trying to defraud me and the appropriate action needs to be take and they need to be held accountable for reporting false information damaging my perfect credit. Please remove this account immediately.
Consumer complaint received 2019-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One erroneously reported that I was 30 days past due in XX/XX/2019 on my account ending in XXXX. In fact, I made two payments on said account during the month of XXXX and they have refused to remove this error. I reached out to them on or around XX/XX/2019 and the representative did not address what I asked them to address. He mentioned that I missed a payment in XXXX and when I proved it to him that the company was in error, it was not corrected on my credit profile on all three bureaus. I am requesting that this error be removed from my credit profile on all three bureaus ( XXXX, XXXX  and XXXX ) as it hinders me from securing credit in the future. I plan to continue my relationship with Capital One moving forward and I am just simply requesting that the error they made be corrected as soon as possible.
Consumer complaint received 2023-02-10
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. (FL)

in accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy under 15 usc 1681. 

acc name XXXX XXXX XXXX acc # XXXX acc name XXXX XXXX XXXX XXXX acc # XXXX acc name XXXX XXXX acc # XXXX ACC NAME XXXXXXXX ACC NAME 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 section2 : it also states a consumer reporting agency Connot 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, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-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 accurate.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

DISCOVER FIN SVCS LLC # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, are reporting transactions or experiences on any of my consumer report ( s ). Per 15 U.S. Code 1681a - Definitions ; rules of construction 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 ;
Consumer complaint received 2023-10-27
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. (GA)

To whom it may concern ( XXXX, TransUnion ) This letter is in reference to ( account # XXXX ) for services provided to ( XXXX XXXX XXXX ) on ( XX/XX/XXXXXXXX  ) In regard to the bill on this account in the amount of : ( {$280.00} ). 
Please be advised that under Federal Statutes. the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and ( name of your State 's Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security means, with respect to unsecured HIPPA Law and PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. you may be held liable for the actions of ( collection agency name ). Please note that the effective date for commencing enforcement of penalties against you for any vicarious liability is XX/XX/XXXX. 
( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is in violation and inaccurate. Remove this account account immediately within four business days or I will not hesitate to file a lawsuit for being in violation.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In XX/XX/2022, I contacted Kohls in regards to my store card after I became chronically ill. I was out of work for a prolonged period of time, and needed assistance with making my payments. After explaining this to the Kohls customer service representative, she explained that I could take part in a financial relief program that they offered. She told me that I would pay about $ XXXX while on the program, and that my card would be frozen until I paid off the balance. I asked her if my Kohls card would be closed, because I did not want to close it. She said that the card would not be closed, and that it would only be frozen. I agreed to join the program because I was told my card would not be closed. A few weeks after this phone call, I received a letter in the mail stating that my account was closed because of my enrollment into the program. I called Kohls back, and asked them why my account was closed. The agent informed me that the closure of the account was one of the terms of the agreement. I went back and forth with Kohls for a few weeks about this, and they eventually listened to the call in which the agent enrolled me into the program. They told me that they heard her tell me that they account would remain open, but there is nothing they could do since it had already been closed. The closure of this account caused my credit score to drop over XXXX points. This account was my second oldest account on my credit history.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingPoint Holdings LLC (NJ)

never did any business with this company, had all my id 's stolen from my apartment in 2019 keep having problems with identity theft, social security denied giving me new social security number which would solve this problem.
Consumer complaint received 2024-03-13
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. (TX)

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXXXXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Transunion and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX  for the cancelled debt in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without XXXX out XXXX as required by the IRS. This is unsatisfactory! XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, Transunion and XXXX are not an affiliate of XXXX XXXX XXXX  nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Someone opened a Wells Fargo account around the XXXX XXXX, CA area and attempted to deposit two counterfeit checks totalling to be {$57000.00} USD - one check was deposited XX/XX/2023 and the other was XX/XX/2023. This account, along with the XXXX XXXX XXXX XXXX account and XXXX XXXX account ( complaint filed ) all have some connection to XXXX, CA. The Wells Fargo representative with whom I spoke ( XXXX XXXX XXXX confirmed that the person who opened the account also has a fake ID with my name and birthday, so they are using that ( along with my social security ) to open up these accounts. 

The only email address that they had on file was " XXXX '' - I have been in touch with XXXX XXXX about the situation and filed a police report with the XXXX Police Department as well. I have also frozen my credit with all three bureaus. Thank you.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/2023 I contacted XXXX XXXX to make some arrangements on my account i ask the representative was the account closed she stated no and proceeded to tell me that if i made a payment of {$230.00} in XXXX I would be placed in there hardship program so i continued to make payments with the understanding that i was in this program. I was then assured that the account would be updated that i was making payments as agreed and as long as i was in the hardship program i gain any interest on the account as long as i was in the program. then a payment of {$86.00} XXXX and then a payment of {$96.00} in XX/XX/XXXX and the XX/XX/XXXX a payment of XXXX so then i get a copy of my credit report to only find out that they are reporting the account as closed and also They were reporting it as past due. Payments they have gotten since XX/XX/XXXX XXXX, XX/XX/XXXX {$48.00}, XXXX XXXX, XXXX $ XXXX, XXXX XXXX Then i get a letter from XXXX XXXX saying that they were merging XXXX XXXX XXXX XXXX  and i should keep making payments as agreed on this account and i would get a new account number. So i contacted XXXX bank to try and find out what was going on and if the account was still open they said yes it is still openand i let them know that for some reason or another XXXX and them are still reporting this as a closed account and with a past due balance i was told disputing it would be the only way to correct the error with all three credit reporting agencies and once they recieve the dispute they would make the corrections and update the account with the bureaus.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NV)

XX/XX/2022, I opened a checking account at US Bank Branch located at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, In response to a promotion code XXXX which says that if I opened an account and make a direct deposit that would amount to XXXX or more within 2 months of opening the account I would received a bonus of {$500.00} which will be deposited into my new checking account within 60 ; days of direct deposit verification and verification of enrollment in US Bank mobile App. 
I was enrolled at US mobile App the day I opened the account which is XX/XX/2022. My first direct deposit on my new Checking Acct was dated XX/XX/2022. As of XX/XX/2022 I already have a direct deposit totalling {$6700.00} posted in my account. 
XXXX XXXX I called US BANK customer service, representative XXXX attended my call and told me that I won't receive the said bonus until after 5 months. 
Request assistance to make US BANK comply to their promise to give me said bonus within 60 days from from direct deposit verification.