davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX 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 XXXX XXXX XXXX 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 2023-06-27
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. (TX)

Equifax has helped facilitate a cover of fraud for one XXXX XXXX. On my Fico report dated XXXX his name popped up at XXXX. Since that time XXXX XXXX charged off fraudulent charges starting the XXXX of XXXX. I am getting reports from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  The XXXX XXXX XXXX XXXX, and XXXX XXXX. This XXXX XXXX explains the some odd 100 credit report inquiries since the first of the year.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-28
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong 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 2024-02-19
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: Experian Information Solutions Inc. (TX)

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within XXXX business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning XXXX XXXX will be liable to me for statutory damages for XXXX XXXX misconduct as per the FCRA ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) )
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

To whom it may concern, I have been going back and forth with Freedom Mortgage for several months about my account. In XXXX of XXXX I did a remodification of my loan. My first payment as I understood was to be XX/XX/XXXX. In the amount of XXXX. I made that payment a few months later you contacted me and told me I was behind. I was told by your reps I made the payment to early and they had accidentally put it into an unapplied funds account. The monies as you will see were put in there, then taken out and put back in again. Each time different amounts for whatever reasons. Each time I talk to you I am told, we're sorry this will be expedited and fixed. It has been put on my credit report several times then removed. I have gotten at least XXXX calls a week from you for almost an entire year, yet it is still not fixed. 
On XX/XX/XXXX I spoke with rep # XXXX. She told me as of XXXX XXXX my payment went up to XXXX. This was the first time I had heard this, yet I had just spoke to a rep there the previous week. She told me I needed to pay XXXX to make up for XXXX XXXX and XXXX of this year. I have already paid out for these 3 months a total of XXXX. Somehow your saying for the 3 months my mortgage increased it cost me XXXX? Now that makes no sense at all. 
When I asked why my payment went up almost XXXX. She said it was due to my insurance rate increasing. Well it did go up an additional XXXX plus dollars. But that equals only an XXXX amount increase each month. 
I would like and am demanding copies of the internal banking/ funds I have paid and when and where they have been applied. I have been told on XXXX separate occasions that a XXXX would reach out to me. Not once has XXXX and it is going on a year now. 
It seems to me someone didn't update my file correctly, accidents do happen and we only see what was entered into the system. If it's entered wrong, hence we see it that way. 
The remode cost me XXXX added to my loan. Now it's right back to the same payment it was before the remode was even done! Seems I was charged the XXXX but the remode never really was completed properly, now my credit is ruined and I owe you more money than I should. 
According to the RESPA act I have the right to all of these records. There was a severe error made on my account and I would appreciate it actually really be expedited as I've been told. 
I look forward to hearing from someone who can look into this from the very beginning, not look at a computer screen that had the wrong information put into it. 
I will be forwarding a copy of this letter to HUD also.
Consumer complaint received 2022-09-29
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. (FL)

my business applied for credit under my business name and XXXX and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1
Consumer complaint received 2023-06-27
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 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 2023-06-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX you are in direct violation of the fair credit reporting act XXXX XXXX XXXX, XXXX has violated several of my rights. 

15 U.S.C. 1681 section 602 A. clearly states that 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.

15 U.S.C. 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-09-29
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. (NY)

On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.
Consumer complaint received 2022-09-29
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. (IL)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX # XXXX XXXX # XXXX XXXX  # XXXX
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX  # XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent certified letters ON XX/XX/2022 to all three credit bureaus to validate accounts which I had no knowledge of and they failed to provide this validation under 15 U.S.C. Sec.1681i ( a ). I then followed up with two more written letters to comply with the investigation which they failed to do
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

XX/XX/2019 XXXX Purchase {$570.00} chosen ( 12 ) month interest free. 
XX/XX/2019 XXXX Refund {$120.00} credit to account for missing parts. 
XX/XX/2019 FINANCE CHARGE {$12.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$10.00} Disputed fees ( 12 ) month interest free. 
XX/XX/2019 FINANCE CHARGE {$9.00} Disputed fees ( 12 ) month interest free. 

XX/XX/2019 Opened a dispute with Comenity Bank, issuer XXXX XXXX. 

Comenity Bank alleges, that option for ( 12 ) month interest free would have been available at checkout.

Customer, alleges that option was chosen as only two options we're presented at checkout. Option : ( 1 ) 3 % cash back or Option : ( 2 ) ( 12 ) month interest free. Option : ( 2 ) chosen.
Consumer complaint received 2023-07-06
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (GA)

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding Wells Fargo 's credit card program. My experience with the program has been extremely frustrating and disappointing. 

When I signed up for the credit card program, I was under the impression that it was a standard payment program, similar to other credit cards I had used in the past. However, I soon realized that the program was actually a fixed payment plan, similar to a personal loan, which required me to pay off the entire balance on my account within a fixed timeframe. 

This was extremely misleading and deceptive, as it was not made clear to me at the time of signing up for the program. I feel that I was misled into believing that I was getting into a standard payment program, only to find out later that I was locked into a fixed payment plan. 

I urge the Consumer Financial Protection Bureau to investigate this issue and hold Wells Fargo accountable for their misleading and deceptive practices. Consumers deserve transparency and honesty from their financial institutions, and it is unacceptable for Wells Fargo to mislead and deceive its customers in this manner. 

Thank you for your attention to this matter.
Consumer complaint received 2023-06-23
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed the error on my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( 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. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this. This is why I need your help!
Consumer complaint received 2022-09-29
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. (TX)

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting AcXXXX XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2014 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2023-06-27
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. (CO)

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.

The letters are stated with items and issues.

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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have placed freeze or locked on my credit report at Trans union to safeguard me any creditor to do inquiries without my permission. But unfortunately there is one creditor called XXXX based in XXXX, Ohio on XXXX XXXX went on and performed inquiries while my credit reports at Trans union was locked and I didn't unlocked it for them. So I call Trans union on XX/XX/2022 and spoke to XXXX of their representatives including their manager XXXX. According to them, the time XXXX were inquiries about my credit reports, there was indeed my credit report was freeze or locked up till today. So I asked Trans union how come Trans union allowed this XXXX to breach and did inquiries, their answer they can not understand. After hour long on the phone with Trans union, they intentionally hang up phone on my ears. I told them due to this security breach youTrans union drop my credit score with XXXX points. They have nothing to explain further but rudely keep hanging up phone on my ears. My complaint to Trans union was once a consumer locked his or her credit report, and he doesn't unlocked it, your company safeguard you from other creditors to inquired but they kept changing their company 's policy of freeze accounts.
Consumer complaint received 2022-11-26
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. (DC)

I REPEAT THAT THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/2022, I the consumer notified Experian through the CFPB portal of an account ( XXXX XXXX ) that was furnished fraudulently on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) under permissible purposes of consumer reports. The account read ( XXXX XXXX  ). Experian failed to Investigate the first time and now during their re-investigation witch is a violation of the FCRA, pursuant to XXXX XXXX XXXX ( XXXX ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific ( XXXX XXXX ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian failed to Investigate both times according to federal law ( FCRA ), Experian haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. Experian and XXXX XXXX  are committing XXXX and XXXX theft. I the consumer never got an update nor anything in writing from Experian stating HOW this INVESTIGATION WAS HANDLED ACCORDING TO FEDERAL LAW. The company ( XXXX XXXX  ) that Experian furnished to my consumer report fraudulently. I demand the account be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXX be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance. EXPERIAN WILL BE LIEABLE TO ME {$1000.00} EACH ACCURANCE. Respectfully, XXXX XXXX XXXX