davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (GA)

Dear CFPB, I am writing to express my concern regarding a dispute I recently raised with Amex/CBNA, which was verified under the Fair Credit Reporting Act ( FCRA ). The core of the issue is that there is an incorrect Social Security number associated with my file. Despite my requests, Amex/CBNA has refused to provide me with the necessary information or address my requests for information correction. They have also confirmed over a recorded call that my social security number is unverifiable in their system.

I hereby request a detailed re-investigation of this matter to ensure all information, particularly my Social Security number, is accurate and complies with FCRA standards. Any unverifiable or fraudulent information should be promptly removed from my records.

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my Transunion credit report today and found proof that they are still illegally reporting inaccurate information about me. The 2 following alleged collection accounts with XXXX XXXX  is listed with a Past Due balance of : XXXX XXXX for {$60000.00} XXXX XXXX {$1900.00} This is a violation of the FCRA and it's in violation of requisite METRO2 Compliant reporting standards. This has been my 4th attempt to get them to update the collection account on my credit report and each time it changes to open to close to open to close... now showing a past due amount on both accounts which can't be allowed if it's a closed charge off.

Please IMMEDIATELY remove these 2 accounts from my credit report and have them send me an updated report showing they're in compliance with all the METRO2 reporting standards and these accounts removed upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-14
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX  XXXX {$140.00} XXXX  XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (IL)

This student loan was originally for XXXX with XXXX XXXX and was discharged in 2017 in bankruptcy. The loan was then sold to Navient, and they have it at over XXXX and harrassed me for a loan that I am not obligated to pay, which they got incorrectly. They call my phone 30 times a day. 

This loan is no longer valid. It was in my bankruptcy, and the court approved it, and XXXX XXXX was notified. XXXX XXXX should not have sold loan to Naviet I have never had a loan with Navient.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2017, I filed for bankruptcy and my attorney tried to get Wells Fargo Mortgage to reaffirm my loan, but they refused. I have been making all of my mortgage payments to Wells Fargo Mortgage, on time since XX/XX/2017 up to today 's date XXXX XXXX. 
Wells Fargo Mortgage refuses to send this information to the three major credit bureaus and my account shows on the credit bureaus as being included in the bankruptcy as if it no longer exists and that I am no longer making my mortgage payments. This has a very adverse affect on my XXXX XXXX and makes it almost impossible for my score to improve which makes it very difficult for me to get fair interest rates on any loans and makes it almost impossible for me to be able to refinance my mortgage which has a interest rate of XXXX percent and Wells Fargo Mortgage, refuses to refinance or modify my existing loan to give me a better interest rate, so I feel that this is a deliberate attempt by Wells Fargo Mortgage to keep me locked into this unfair interest rate, since today 's interest rates are at a record low percentage.
Consumer complaint received 2020-08-14
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}
Consumer complaint received 2020-06-12
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. (IL)

Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX BANK NA partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been  successful.
Consumer complaint received 2022-11-01
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 — Investigation took more than 30 days
Company: Harley Davidson Financial Services Inc (TX)

I was co-signed for my friend who bought the new motorcycle from Harley Davidson in XXXX Texas since 2019 XXXX. Unfortunately my friend did not pay few times on time and it affected my credit record. The dealership did not tell me the co-signed meanings for details. I didnt get any documents for purchase when I signed up for the contract. My friend also was not honest with me and paid the bill on time ( $ XXXX month ), now the total balance is around {$10000.00} left for his bike. Dealership just told me that co-signed can help my friend to build up his credit and sales manager really pushed me to sign the contract for my friend. I have been cheated by dealership from sales person. Now I want Harley Davidson finance service to remove my co-signed. I also paid two times for my friend for late payments about ( {$800.00} )! I swear XXXX I never know what the co-signed means when I know it is risk to me was too late. Now I just want your help to remove my co-signed from Harley Davidson dealership. Currently my friend will continue to pay his bills because he has job and still can build up his credit! It is not necessarily to keep my bad feelings! Its really affected my credit! I really appreciated it! 
Sincerely!
Consumer complaint received 2020-08-14
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: Rocket Mortgage, LLC (MA)

Called Quicken Loans because they pulled my credit without consent. I contacted them to get more information. At first, they denied pulling our credit reports. Then they finally agreed to research the issue. After about three or four weeks, they called back and said I had given permission. That is absurd not the case. I have no interest in doing any additional business with Quicken Loans.
Consumer complaint received 2022-11-01
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair Credit Reporting act XXXX Acount # 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 602 A. States a consumer reporting company or website can not fumish an account with out my written instructions or Agreemnets.I did not Give experian.com or aidvantage.com my written consent To Report these Six late payment negitive items on my Cridet. Please help me! Experian is the only credit place that is refusing to remove these Items all The other credit place have removed my negtive Items from the reports.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

This notice is to inform you that you unlawfully reported fraudulent inquiries that arose from IDENTITY THEFT that you did not verify as required by law on any consumer report. 
15 USC 1681b ( c ) furnishing reports in connection with credit and insurance transactions that are not initiated by consumer, information regarding inquiries, except as provided in section 1681b of this title. A consumer reporting agency should not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. 
The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately. 
XXXX 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
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

After I opened a credit card account with Bank of America, the company started sending me unsolicited and unencrypted email messages containing my personal information similar to the one that is attached. 

Bank of America has not provided any options for me to contact it regarding those unsolicited emails other than by telephone, which is for the reasons that I will not disclose here is not my preferred mode of communication. 

The only option for me to contact Bank of America in writing appears to be is the CFPB portal where I can be sure that the message will be delivered to the Bank. 

I understand that could have made an appointment with a Bank of America representative at a local Bank of America branch to discuss the issue, but I'd rather not to do that at the time of the public health situation that this country is experiencing now. 

I would like to request Bank of America not to send me unsolicited and irrelevant email messages and whenever it needs to send me the information related to the activity on my account via unsecured channels of communication, protect my private information by encrypting it. 

Thank you. 

P.S. Another issue that I had previously informed Bank of America about, but have not received any response on, is that the color scheme used by Bank of America on its credit card makes the credit card number hardly visible for certain class of consumers. The credit card is of dark red color similar to the one that is used on a Bank of America logo and the credit card number printed on the back of the card is printed in yellowish-greenish gray color. There is a class of people who will not able to see clearly the yellow-greenish gray on the dark red. It is unfortunate that in order for me to inform Bank of America of this sensitive issue I need to use the CFPB portal since there are not other effective means to deliver the message to the company.
Consumer complaint received 2020-08-14
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. (OR)

Ive contacted Experian to resolve a {$13.00} discrepancy on my credit report. They asked me to submit a dispute, which I did. They said they looked into my dispute and verified the debt with XXXX, however, when I call XXXX to pay the {$13.00} on the account that I paid in full back in 2014 XXXX says they have no account with my social security number or name and do not have any records regarding accounts from 2014 that have been closed. Since I am not able to verify this account, or pay the {$13.00}, how has Experian resolved my despite? The discrepancy remains on my credit report and is derogatory. When I attempted to file another dispute it was rejected. When I called Experian they gave me the number to your office.
Consumer complaint received 2020-08-14
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. (IL)

To whom it may concern : I have contacted Experian several times concerning the accounts listed on my credit report for DEPT OF  EDUCATION/XXXX with the account numbers XXXX {$3800.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$6900.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX {$4400.00}, DEPT OF EDUCATION/XXXX with the account numbers XXXX, DEPT OF EDUCATION/XXXX  with the account numbers XXXX {$5200.00} I submitted this request previously on report number XXXX which these accounts were deleted. There are also several inquries that are listed that are not mine & I never applied for XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19, XXXX XXXX XXXX XX/XX/19 and XXXX/XXXX XXXX XXXX XX/XX/19. All the above information should be deleted from my credit report
Consumer complaint received 2020-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED. Inquiries : XXXX, XXXX XXXX.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.
Consumer complaint received 2022-11-01
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 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 Have all 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 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 2023-03-17
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-14
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. (SC)

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2022-11-01
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. (TX)

I recently received a copy of my Equifax credit report today and found proof that they are still illegally reporting inaccurate information about me. The 2 following alleged collection accounts with XXXX XXXX is listed with a Past Due balance of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This is a violation of the FCRA and it's in violation of requisite METRO2 Compliant reporting standards. 

This has been my 4th attempt to get them to update the collection account on my credit report and each time it changes to open to close to open to close... now showing a past due amount on both accounts which can't be allowed if it's a closed charge off. 

Please IMMEDIATELY remove these 2 accounts from my credit report and have them send me an updated report showing they're in compliance with all the XXXX reporting standards and these accounts removed upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (TX)

I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life