davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my credit report. The continued presence of these items has had a severe impact on my financial well-being and has caused significant distress. 
I have submitted all required documentation, such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my persistent efforts to rectify this situation, the fraudulent items persist on my credit report. Each attempt to remove them has been met with delays, inconsistencies, and an overall lack of resolution, causing ongoing harm to my creditworthiness and financial stability. 

I am formally requesting the following actions be taken as a matter of urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
Immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

I hope that such measures will not be necessary, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX  : Chapter XXXX bankruptcydischarged Reference # XXXX
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

Peoples Bank had an advertisement for a bonus for their checking account as well as a bonus for their savings account. I clicked the link for the bonus and signed up for the checking account and savings account. The terms for the checking bonus were " Get a {$300.00} bonus when you open an XXXX  XXXX  XXXX account when you receive qualifying direct deposits in the account totaling {$2500.00} or more within 60 days of account opening ''. The terms for the savings bonus were " Open a Savings or XXXX XXXX account & maintain a balance of at least {$10000.00} for 60 days and get an additional {$100.00} bonus ''. I opened up the XXXX XXXX XXXX  account and met the terms for the {$300.00} bonus and I have now received that bonus. However, I also opened up the XXXX  XXXX  account .and met the terms for the {$100.00} bonus. I should have been paid the {$100.00} bonus but I have not received the savings bonus payment as of now. Please credit me {$100.00}
Consumer complaint received 2016-02-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Sierra Credit Corp (CA)

I had gotten a loan from Sierra Credit in XXXX, CA i let the car go resulting in my credit getting hit. Eventaully they brought my score way down and i decided to contact them and pay them to have them show im paying the loan. XXXX said i would see a difference in XX/XX/XXXX. I payed them since XX/XX/XXXX only to see they keep updating my credit as negative. I have receipts that im paying but they keep hurting score, i have tried contacting them to speak to XXXX and the representives tell me i will get a call back. This was over a month ago. I refuse to pay more money to this company as they are hurting my credit score regardless if i pay them or not. I wonder how many individuals theyve done this too already. I have not and will not pay until i receive a call, which the neglect to do.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America unknown to us froze our checking and savings accounts. Not notifying us. Sent email later stating bill pay wouldnt be impacted. XXXX XXXX XXXX XXXX XXXX VA has apparently filed a fraud investigation on a trust fund that I was durable power of attorney for XXXX XXXX XXXX and trustee for trust fund set up in XXXX of XXXX XXXX dollars. None of the money had been used. It was there for safe keeping for XXXX. I have taken care of him for almost XXXX years. Because of health reasons doctors at XXXX XXXX XXXX said he needed assisted living. Working with case worker, XXXX and his sister XXXX he was admitted into XXXX XXXX XXXX XXXX XXXX 
A XXXX XXXX friend XXXX claims to be his foster daughter. She is no relation at all. She has wanted to be POA but lives in VA. 
She came and took XXXX to several banks, he knew where the trust fund was. They went to Bank of America with no identification for either of them. No idea what was said but my accounts were frozen and I have no idea who has the {$90.00} XXXX dollars. I do not. I have sent copies of all legal documents to both the bank and credit union. All I get is its under investigation. No date that my money will be released so I can pay bills. These two institutions have totally financially caused us hardship since XX/XX/2022 with no explanation other under investigation. I need help
Consumer complaint received 2024-02-16
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

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 as a Consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 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 the account : XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This person is shown by XXXX XXXX as opening a Credit Card in my name, and i cant get the Company to take it off of my Credit Reports and mark it as fraud, I proved to XXXX it wasn't me that opened that account up, It is to XXXX XXXX for {$700.00} and i have not or have any interest in XXXX, I called them and told them i did not open this account # XXXX, XXXX XXXX brought it to my attention i called the Company at phone # XXXX talked to a lady that said her name is XXXX, and that i did not open this acct, you all allowed someone to open it using my name, this is how i got the ladies name i mentioned below in this complaint to them they asked do you know her? I said no i do not!, XXXX XXXX is their name that opened this in my name, ,I said i wont this off of my Credit XXXX and close this out, and take it off of my Credit Reports they say it is closed, but it is not taken off yet, i did this when i saw it on my credit report in XXXX, still nothing done as of today, please help me get this fraud off of my Records, Below is the Woman or person that Fraudulently opened this Fingerhut Account on me,, [ Additional info found with this breach Identity Information First Name : XXXX Last Name : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Contact Information Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-20
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inaccurate information and inquiries that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-20
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. (MI)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX CXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A company named XXXX is apparently hired byExperian, may also be XXXX, XXXX. I received a credit report from XXXX, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to Experian, and they said that what XXXXXXXX XXXX is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that XXXXXXXX XXXX  is reporting against me. As for dates, the first report from XXXX XXXX XXXX, was on XXXX, then there was one today, when I applied through the XXXX app, for a XXXX  loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.
Consumer complaint received 2024-02-16
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. (FL)

I have an active FTC Identity theft file however, the bureaus keep allowing me to be further victimized. There are many inquiries that I did not authorize. I knew my credit was low so why would " I '' keep having my credit ran? I want the following fraudulent, unauthorized inquiries immediately removed. I have called and been given the run around by foreigners with these bureaus for a year now. This is peoples livelihood and its ruining my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Consumer complaint received 2022-05-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

on the date of XX/XX/22 i submitted a complaint WIth the CFPB regarding concerns & complaints of all Inaccurate information on my consumer report with the 3 # C.R.A. Equifax, XXXX, XXXX. XXXX was the only reporting Agency to address my disputes immediately by Deleting all inaccurate information and inquires. Equifax XXXX XXXX has violated my consumer rights & the consumer law placed in place by the FCRA. FCRA # 1 ) 15 USC 1681 Section 602 ( A ) My Rights To Privacy. 2 # ) 15 USC 1681 Section 604 states no furnishing of accounts without my writtem permission & now they have violated new FCRA laws .3 # ) 15 USC 1681 ( i ) ( 2 ) ( A ) states Equifax & XXXX had 5 business days Apon receiving notice of A dispute they shall provide notification of the dispute & shall include all relevant information regarding the dispute & the Agency has received from other Consumer Agency. These requirements were not meet by Equifax or XXXX. XXXX # ) 15 USC 1681 ( i ) ( 5 ) ( A ) ( XXXX ) states any information disputed by consumer, any Item of information is found to be Inaccurate, Incomplete, or can not be verified the C.R.A shall Promptly Delete the item from the file of the consumer.5 # ) 15 USC 1681i ( 7 ) there was no method of verification given. 6 # ) 15 USC 1681 ( 6 ) ( B ) ( iii ) A description of the procedure used to determine the accuracy & completeness of information. And also the furnisher who provided such information shall be provided to the consumer by the Consumer Reporting A gency. 7 # ) 15 USC 1681S ( 2 ) ( A ) ( B ) A person shall not report any information relating to a consumer to a C.R.A if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) ( i ) the person or Agency has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ( ii ) the information is in fact inaccurate.
Consumer complaint received 2020-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On XX/XX/XXXX and XX/XX/XXXX I have contacted USAA about billing statement, payment, and Date of First Delinquency issues. 

First billing statements are missing the year of XX/XX/XXXX, which I believe is the start of the date of the first delinquency. 

Second payment history, I can not see when a payment was made by whom, or where it came from. 

Date of first Delinquency keeps changing, between credit bureau and USAA. 

In addition to this my debt was forgiven in XXXX tax year. 7 years after the original charge off date. See attached.
Consumer complaint received 2022-05-20
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: SF VAGO, LLC (NY)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose