davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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)

I have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. BANK XXXX XXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The followings are the fraudulent account XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

Comenitybank/XXXX  is reporting a charged off account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!
Consumer complaint received 2023-03-07
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)

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or 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 2023-02-20
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. (FL)

Please investigate and delete the following account as the last payment on the account was made over 7 years ago : XXXX XXXX Bank account XXXX In response to my previous complaint regarding this matter, Equifax advised  that XXXX  XXXX confirmed that the last payment was modified and is now reporting correctly, but it is not true. Please request XXXX XXXX to provide that information to support their allegation.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Bank fees hundreds they refused to give back to me in overdraft fees bank of America from XX/XX/XXXX XXXX or XX/XX/XXXX {$35.00} each time when I thought I had overdraft protection and they didn't let me dispute them etc
Consumer complaint received 2022-03-01
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. (NY)

I have a loan with the accounts below. Ive contacted them about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update these accounts to never late. This is a strict violation of Fair Credit Reporting Act sections 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX CITI XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! This needs to be resolved in 7 days.
Consumer complaint received 2022-03-01
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2021-01-08
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. (NJ)

XXXX XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX XXXX XXXX {$310.00} Charge off REMAINS *XXXX XXXX XXXXXXXX {$0.00} Acct REMAINS
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-03-20
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. (CA)

hello, I called Transunion multiple times, and I filed a complaint through CFPB but unfortunately not all the issues have been resolved. there were multiple names under my account, and I told them they should just leave my name and still shows another person names on my account. There were multiple Hard inquires on my account, which none of them belong to me and they should remove all the hard inquires on my account for last XXXX months. there were multiple credit cards were opened, which none of them belongs to me and I did not open any new credit cards. Theres also car payment under my name which doesnt belong to me and they did not remove it.
Consumer complaint received 2023-03-07
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. (KY)

In accordance with the Fair Credit Reporting act XXXX, ( account XXXX Paradigm assets recovery ) 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-15
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)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1100.00}
Consumer complaint received 2023-02-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (TX)

My mortgage has been in forbearance under The Cares Act for 6 months. The loss mitigation application the company sent me, gave me the option of providing my last federal income tax return in lieu of a lengthy and complicated ( to me ) set of forms to fill out. They have had the application for several months and I have heard nothing. I inquired about the status of my application on XX/XX/23, and was told it is no longer valid. The company now has sent me another application for mortgage assistance which again is extensive and complicated ( to me ) but does not allow me to provide last years federal tax return instead of the numerous forms. It appears the company has changed the rules regarding a loan modification request. I believe this is a violation of mortgage service loan modification. The company is aware that I am a XXXX XXXX XXXX XXXX XXXX veteran ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and has made no accommodation for my XXXX, but has in fact completely disregarded the same. The company has committed at the least, I believe, the following violations.1 ) Refusing to honor or review my loan modification request. 2 ) Not responding to my application for loan modification within 30 days.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The 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. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.
Consumer complaint received 2022-12-12
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. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MT)

I have personally and on several businesses been using Wells Fargo Banking for over 30yrs without flaw and through businesses up to XXXX per year. I have received a notice on XX/XX/XXXX that ALL of my accounts are being closed without notice due to a " reviewed account relationship and a connection with Banks responsibilities to manage risks ''. I have 2 LLC 's and a personal and all funds will be frozen on XX/XX/XXXX. I have never written a bad check nor have deposited bad checks in the entire 30+ years. And just like that I am being targeted. What is the REAL REASON Wells Fargo? Are you next in line of bank failures?
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their recent action of freezing my account without providing any explanation or reason. Despite my numerous attempts to resolve the issue, Capital One has failed to cooperate and instead directed me to call yet another telephone number, further frustrating and inconveniencing me. 

On XX/XX/2023, Capital One abruptly froze my account, which currently holds a balance of {$9000.00}. To date, no communication or notice has been provided by Capital One regarding the subject matter, leaving me in a state of confusion and financial distress. As a diligent customer, I have always adhered to the terms and conditions imposed by Capital One and have never been involved in any fraudulent or suspicious activities. 

Immediately after discovering the account freeze, I contacted Capital One 's customer service department on XX/XX/2023 to seek clarification and resolve this matter expeditiously. However, instead of offering assistance or addressing my concerns, the representative I spoke with simply provided me with another telephone number to call. This secondary referral has proven to be time-consuming and unproductive, as I continue to be met with automated responses and lengthy waiting times. 

I find Capital One 's lack of transparency and refusal to disclose the reason behind freezing my account highly unacceptable. Not only has this action caused significant inconvenience and distress, but it has also hindered my ability to carry out important financial transactions and meet essential obligations. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and ensure that Capital One promptly provides an explanation for freezing my account. Additionally, I urge you to facilitate a swift resolution, which entails the unfreezing of my account without any further delays. Furthermore, I ask for Capital One to reassess their customer service protocol in order to prevent similar instances of uncommunicative behavior. 

I appreciate your attention to this complaint and await your prompt action to rectify this issue. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC (MD)

1. XXXX- have ignored my request to provide me with validation that this debt was assigned or sold to a collector. I have call several times and was told because they no longer have the account, I have to speak to the collector but XXXX is the one that is reporting the inaccurate information on my credit report each month since XXXX. The collection agency is not reporting anything to the credit bureau. 

2. Kashable loan Llc - In year XXXX, Kashable loan agree to take a smaller payment amount because I no longer had an income due to not working until I retired in XX/XX/XXXX. Kashable have inaccurate reported me delinquent for 276 days pass due. I received a phone call on XX/XX/XXXX from XXXX offering me a settlement of {$2900.00} but constantly reported to the credit bureau inaccurate information and remains charging me XXXX percentage interest. 

3. XXXX XXXX XXXX - have reported inaccurate delinquent payments transfer from XXXX XXXX XXXX XXXX during the bank merger between the two banks. This account was transferred from XXXX XXXX XXXX XXXX. 

4. XXXX XXXX XXXX XXXX XXXX XXXX )- This account has been paid in full for XXXX XXXX XXXX. I was told by XXXX XXXX XXXX this account can be deleted but has to be done by the collection agency because the account was placed with them for collecting but they refuse to delete from my credit report.
Consumer complaint received 2022-12-12
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.