davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (DC)

On XX/XX/2022, I sent in separate, notarized and certified letters ( enclosed with my proof of identity including a copy of social security card, and Driver 's License ) requesting that all hard inquiries be removed from my Credit Reports to XXXX, XXXX, and Transunion because I was unfamiliar with the inquiries and fraudulent activity was posted to my accounts. 

I have even called on several occasions confirming my identity confirming I was unfamiliar with the inquiries and that they were furnished without my knowledge and written consent to all 3 bureau 's.
Consumer complaint received 2022-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. Thank you.
Consumer complaint received 2022-12-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

It has been over 30 days since I submitted the disputes to the credit bureaus. The credit bureaus have violated federal law multiple times under the Fair Credit Reporting Act, 15 USC 1681. Please have the credit bureaus stop the violations and remove this incorrect information from my reports. I have attached the original letter I sent to all three credit bureaus in XXXX. Thank you.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (UT)

My checking and saving accounts were officially closed by your bank in XX/XX/2024 without any notification, and when I called, they said that the remaining balances would be refunded within 40 days. 

Unfortunately, it has now been over XXXX months, and I have not yet received these funds. I have repeatedly contacted their customer service for assistance. During these interactions, I have received conflicting information ; XXXX representative mentioned that I should expect the funds within 60 days, while another suggested a XXXX day waiting period and initiated a request with the security team. 

As of today, I have not received any definitive confirmation or update on when I can expect my money to be returned. This situation is quite distressing and is causing significant inconvenience.
Consumer complaint received 2023-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-03-21
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (MO)

I filed two online disputes with XXXX, as they are reporting a mortgage account with JPMCB - XXXX XXXX that was paid and closed on XX/XX/XXXX. XXXX claims to have performed an investigation, yet the closed account still remains on my report. And, XXXX updated the " Last Reported Date '' to XX/XX/XXXX, which they are using to say that the account will continue to be reported for ANOTHER 9.5 years, until XX/XX/XXXX. 

I contacted JPMCB - XXXX XXXX via phone during standard business hours on multiple occasions and was told each time that their mortgage lending associates were unavailable to assist me.
Consumer complaint received 2022-05-06
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( ACCOUNT NAME : XXXX XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

In XXXX, BOA deducted more from my mortgage payment and stated that I was late with my lease payments. I called BOA at that time and was informed that XXXX XXXX XXXX notified them that I was late. I contacted XXXX XXXX XXXX and they said that they did not notify BOA. Later, the problem was solved in my favor and I continued to pay my lease payments from my own checking account. BOA lied and this is harassment, this is defamatory. This year the same thing happened. I was given the round when I called BOA and again they lied and said that XXXX XXXX XXXX notified them that I was late with my lease payments. I got a letter, signed today from XXXX XXXX XXXX saying that they did not do this. And, that I was not late with my lease payments. It was agreed that I will make my lease payments by checks as of this date. On XXXX XXXX, BOA made my lease payment to XXXX XXXX XXXX without my approval. I later sent BOA this payment amount, but was told on XXXX XXXX, XXXX that this lease payment of {$760.00} was applied to my principal, but will be changed to my lease payment. I was given the run-around again, and again. BOA said that they will be making my lease payments without my approval. Again, on XXXX XXXX, XXXX I called Customer Service in the afternoon because my mortgage payment did not clear my bank. I was told to hold off, past 5 days and if they receive my check they will correct the problem. Sorry, BOA lied before and I do not have faith with them. No, I do not trust them to make my lease payments. I was reading that BOA is famous about this kind of stuff, they give people a hard time, give them the run-around. They know what they are doing is wrong, but they are going to do it anyway. I have made my lease payments on time and I would like to continue to do so. It is wrong for BOA to do this to me! Lie, Lie, Lie!
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX you reported inaccurate information.. US DEPT. OF EDUCATION/XXXX XXXXXXXX Experian you reported inaccurate information.. US DEPT OF EDXXXX XXXX XXXX you reported inaccurate information.. XXXX. 
XXXX These accounts has been furnished..

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, XXXX, EXPERIAN have aided this fraud by not verifying these account. 

An identification of me has been used without my permission to open several accounts that has damaged my reputation and damaged my mode of living because you furnished a consumer report without my permission as stated by Federal law.
Consumer complaint received 2022-08-31
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2017-08-17
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)

I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted Transunion several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with Transunion repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted TransUnion so many times to address the situation and it has n't been address.. I was advised by a Transunion US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX.- ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact XXXX as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.
Consumer complaint received 2016-02-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (UT)

I have tried gaining access to my free credit report for the last few years with experian and equifax to no avail I had tried just in the last 30 days and was denied. The OOW out of wallet questions that are asked have nothing to do with me so I am unable to confirm what is actually on my creit report and have no way of resolving this matter over the phone with either agency which I find to be a joke. They want me to mail, not fax oir email, but mail them all of my personal information to try to obtain my own information which I am not okay with doing. If there is a way that I am able to get this issue resolved i would love to know how since i have been unable to find out how to get this fixed on my own.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally file a complaint against XXXX, TRANSUNION, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, TRANSUNION, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, TRANSUNION, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, anxiety, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, including credit reports, correspondence with, and evidence of the impact on my family 's mental health. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Consumer complaint received 2023-06-10
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. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Inquiry XXXX XXXX XXXX XXXX Unauthorized XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry TEXAS XXXX XXXX XXXX XXXX Unauthorized Inquiry 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 don't have no written premission 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-09-25
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2019-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc. (FL)

XX/XX/2016 collection name is M & M credit XXXX XXXX XXXX XXXX, MI XXXX Amount : XXXX usd This Collection is an amount that I claim no responsibility over the debt is not mine. Im most likely a victim of identity theft.
Consumer complaint received 2022-10-27
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. (CA)

I have written Equifax on three occasions regarding some inquiries that I have found on my report, which have been causing damage to me as a consumer. After several attempts, they have not deleted them. Therefore, I am escalating this matter to you, the CFPB, with confidence that you will be able to properly assist. I am seeking to have the following inquiries deleted from my credit report : 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 XXXXXX/XX/XXXX ; < -- ( That is not a typo ; that is how it is spelled out on my credit report ) ; XXXX XXXX XXXX XXXXXX/XX/XXXX. These inquiries were not made due to a firm offer of credit, to obtain insurance, for employment, or by a court order per 15 U.S. Code 1681b. These are also a non-account holding inquiries. Please remove the above inquiries as I believe to the best of my knowledge that the companies listed did not have permissible purpose to pull my credit.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

When I saw the promotion of American express XXXX Credit card welcome offer of XXXX bonus points, I applied for it online. I Paid {$690.00} and spent more than {$6000.00} as required by welcome offer conditions. 
When I did not see the points after meeting above conditions, I called the company customer service and they told me that during the application there was a pop-up that told me that I am not qualified for the bonus points and I have agreed to that. I ask for the proof of that agreement and they told me that I have to subpoena that proof. 
On XX/XX/2023, I wrote to their management in XXXX XXXX XXXX and after few days they called me and told the same. 
Their offer terms clearly states, " If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application ''. They are saying that the pop-up during the application is the notification. 
I NEVER SO THAT POP-UP DURING THE APPLICATION AND I NEVER AGREED THAT IS IT OK TO ACCEPT MY APPLICATION WTHOUT A WELCOME OFFER. AND I THINK POP-UP CANOT BE CINSTRUDE AS A NOTIFICATION. 
I requested proof/copy of that notification ( pop-up ) and they refused to provide it
Consumer complaint received 2022-05-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions