davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom It may concern I was looking at my XXXX app one day and noticed some inquiries that I never authorized nor did I give anyone the the authorization to open these account in my name. I first call the companies that I seen on my credit report and ask them who tried to apply for these account in my name? and did they open these accounts? they told me that they will send me something in the mail I then reach out to the credit bureau over 60 days ago and still have not heard anything back from any of them I reach out to XXXX, XXXX and Transunion on XX/XX/XXXX and then on XX/XX/XXXX I sent another letter ask them to please respond and still nothing and before the letters I sent on XX/XX/XXXX I tried two attempts before that.at this point I feel like I am being ignored and look pass I really would like to know what's going on here. and I would like these unauthorized inquiries removed from my credit report. the inquiries are as follow XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX. TRANSUNION- XXXX - XX/XX/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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
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: I.C. System, Inc. (MI)

In accordance with the fair credit reporting act, I C System, XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.

As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. 

I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Capital One for Unnotified Account Closure Dear Sir/Madam, I am writing to file a formal complaint against Capital One regarding the abrupt and uncommunicated closure of my credit card account. This unexpected action has caused me considerable inconvenience and distress. 

My Capital One account is now closed On XXXX I attempted to pay several bills using my Capital One card. Unbeknownst to me, the bank account linked for payment did not have sufficient funds, resulting in a failed payment transaction. This was an honest oversight on my part, and I had no intention of defaulting on my payments. And I have not defaulted a payment of {$200.00} went through on XX/XX/2023. 

However, without any prior warning or communication, Capital One proceeded to close my credit card account. I received no phone call, email, or any form of notification to alert me of any issues or to provide me with an opportunity to rectify the situation. The first indication of this issue came when I attempted to use my card and found it inactive. 

The lack of communication from Capital One in this situation is highly concerning and, I believe, contrary to fair consumer practices. A simple notification could have allowed me to promptly address the issue, ensuring that the bills were paid and my account remained in good standing. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I believe that Capital Ones decision to close my account without prior notification or an opportunity to resolve the issue is unjust and requires rectification. I am eager to resolve this issue amicably and am willing to cooperate fully in any required processes to reinstate my account. 

Thank you for your attention to this matter. I am looking forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX, to remove the following inaccurate information that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the last letter. Ive already included this in my previous Complaint # & I am including it again. Please investigate this closely and remove them from my file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
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. (MD)

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 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 2023-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PR)

Commencing on or about XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm.
Consumer complaint received 2020-09-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have disputed this account ( XXXX XXXX XXXX ) on my credit report several times with Experian dates are,XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX and each time they keep coming backed verified and when i asked how did they verified more than one representative said to me that they don't verify or investigate they only get a digital verifications from the creditor and that's what they use to verify an account. That account was not authorize by me nor did i approved my information to that company, i have tried asking this company several times to send me information showing my information that was used like ID, signature and address which they send over and signature which is not mines, no ID and the address they are showing they send my info too is listed in Texas but i been living in NJ for over 13 years and have never lived in Texas. I asked Experian to please investigate and verify my claims but yet still they are not and by law and the fair credit act i have a right to have and item investigated and removed if its not mines or not reporting proper information. The dates of the inquires don't add up on my credit report along with the account date open. I don't believe Experian are trying to do the right thing and they need to do a better job with verifying and helping the consumers. I would like to have this account deleted by Experian with no exception because they are not doing there job. I even send over supporting documents to them on XX/XX/XXXX by certified mail tracking # XXXX to support my claims and will be sending over to you as well. The fair credit act are there in place for consumers and by law we have rights but Experian is not following the law only making they own and allowing companies to report anything because they know Experian don't verify anything.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PR)

I am writing to express my concern regarding my credit score on Equifax. It has not been updated since last year, and most of the information on my credit report is not current. This situation is affecting my ability to grow my credit score, and it may prevent me from applying for a mortgage loan with better rates in the future. 

I have used the dispute system online, but I am not receiving an accurate answer. I have only received a generic response, which does not address my concerns or provide a solution to the problem. I am worried that this issue may persist, and it may cause long-term harm to my financial health.
Consumer complaint received 2020-09-30
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. (IL)

Experian and XXXX are fraudulent on my following accounts : XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX is fraudulent on my Acct # XXXX.
Consumer complaint received 2023-03-05
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. (GU)

After contacting the credit bureaus in the past. I had discussed with them that the information reported across the three credit bureaus do not match at all. I was very persistent about the issues for many years and until this point nothing has been corrected or solidified fir accuracy. Other investigations have been conducted based on all disputes but nothing has changed. The accounts would come back as verified within days! 

According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as 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 may have knowledge concerning any such items of information. However, such information shall not include specific factual information 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. 

This by the three credit bureaus have failed to conduct a thorough investigation and also have failed to do their role as a bureau for the consumer by law. All the bureaus did was contact the creditor directly to verify the account plus hard inquiries. They did not go beyond what was stated above. 

As of today XX/XX/2023, all three reports have yet to report 100 % accurate. Most importantly, per FRCA 15 USC 1681 everything on the consumers credit report must be investigated 100 % accurate. PLEASE SEE CREDIT REPORT FOR INACCURACIES. 

Accounts are as follows : XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-03-22
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. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

On XX/XX/2020, I received a letter from PHH dated XX/XX/2020. I placed a call to PHH on XX/XX/2020. I introduced and verified my identity and told the representative that I am calling about the letter I received on XX/XX/2020. Then I introduced my daughter, XXXX XXXX, and asked if she can speak on my behalf. The representative spoke with my daughter and I about my concerns. While speaking with the representative, my daughter asked that she would like to know what can be done if we did not have the lump sum amount that will be due on XX/XX/2020. She also asked if I would be qualified for a modification or refinance. The representative told us that it was too early to determine any course of action. Then my daughter asked, when it would be an appropriate time to reach out back to the bank. The representative told us we should reach out to them in XXXX or XX/XX/2020. My daughter wrote the months down so we can remember to reach out to the bank. 

A second letter was received on XX/XX/2020, dated XX/XX/2020, and I reached out to them on XX/XX/2020. The representative stated that PHH is a Servicing Company and that PHH will not be doing a modification. They suggested that we should speak to the refinance department, which they tried to transfer me over but they were having trouble with the connection. Every time they transferred us over, the phone would hang up. However, I called back PHH to let them know that the call did not go through and they transferred me again but the call still could not go through. The representative had given me the number for the refinance department XXXX XXXX XXXX XXXX which I also tried calling but could not get through to them. 

On XX/XX/2020 the same day, after trying to get the issues resolved with PHH with no clear direction, I reached out to XXXX XXXX for help in resolving the issues and they have been in contact with PHH on my behalf since then. 

On XX/XX/2020 XXXX sent a complete package to PHH for them to consider a modification on the loan so that it will give me time to pay the amount that is due. However, they did not even review the information that was sent, they automatically rejected the document because they stated that I did not reach out to them until after six months.
Consumer complaint received 2023-03-15
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)

Fruadlent Accounts on Credit Report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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. (GU)

After contacting the credit bureaus in the past. I had discussed with them that the information reported across the three credit bureaus do not match at all. I was very persistent about the issues for many years and until this point nothing has been corrected or solidified fir accuracy. Other investigations have been conducted based on all disputes but nothing has changed. The accounts would come back as verified within days! 

According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as 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 may have knowledge concerning any such items of information. However, such information shall not include specific factual information 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.

This by the three credit bureaus have failed to conduct a thorough investigation and also have failed to do their role as a bureau for the consumer by law. All the bureaus did was contact the creditor directly to verify the account plus hard inquiries. They did not go beyond what was stated above. 

As of today XX/XX/, all three reports have yet to report 100 % accurate. Most importantly, per FRCA 15 USC 1681 everything on the consumers credit report must be investigated 100 % accurate. PLEASE SEE CREDIT REPORT FOR INACCURACIES. 

Accounts are as follows : XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-09-30
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. (GA)

I submitted a complaint for belief in being a victim of identity theft and needed to have a list of documents I submitted a package via certified mail containing the documents needed to resolve this issue, via Section 605B of the Fair Credit Report Act. Their investigation has closed, yet those items are still on my credit report. Please block these items as soon as possible. I have attached the original documents showing when they were sent.
Consumer complaint received 2023-03-22
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (NJ)

On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, he recommended me to to start disputing the inaccurate information, So I did. I started my journey of disputing the accounts that were not mine On/or about XX/XX/XXXX, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus several times. I recently went to file an Identity Theft Police Report just as the Credit Bureaus requested. Just a few days ago, I received a collection letter from TORRES CREDIT SERVICE collecting on an alleged debt with XXXX XXXX XXXX, I definitely do not recognize this debt, it has nothing to do with me.