davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (TX)

Dear CFPB, I am reaching out to express my concerns regarding inaccuracies in my consumer report maintained by CFPB, which are adversely affecting my ability to move forward financially. These inaccuracies are not only a misrepresentation of my financial standing but also potentially violate consumer reporting and privacy laws. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are obligated to ensure the accuracy and fairness of the information in their reports, given its significant impact on consumers lives. This law provides me with the right to dispute inaccurate information in my report and requires that such disputes be investigated and corrected or removed promptly. 

Moreover, the FCRA outlines consumers rights to be informed of any adverse action taken against them based on their consumer report, including the specific details and sources of the information that led to the adverse action. This is critical for consumers like myself, who are hindered by inaccuracies from engaging in financial opportunities, securing loans, or obtaining reasonable interest rates. 

Given these concerns, I hereby request : 1. An immediate, detailed disclosure of all information CFPB holds about me, as is my right under the FCRA. 
2. A prompt investigation into the inaccuracies I have identified within my consumer report, particularly those negatively impacting my financial opportunities. 
3. The correction of inaccuracies or the removal of any information that can not be verified as accurate, in compliance with the FCRA. 
4. Removal of any information obtained or processed in violation of my privacy rights or applicable laws. 
5. Written confirmation of the steps CFPB has taken to address my concerns, including a detailed account of any information corrected or removed from my report. 

It is essential that CFPB takes immediate action to correct these inaccuracies to not only comply with legal obligations but to also mitigate the significant impact these errors have on my financial well-being. The FCRA mandates that consumer reporting agencies must complete an investigation of disputed information within 30 days, ensuring timely corrections are made. 

I appreciate your prompt attention to this critical matter and expect a response within the legal timeframe specified by the FCRA. Failure to adequately address these issues may compel me to seek further legal remedies to protect my interests and ensure compliance with consumer protection laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the FTC, contacted credit bureaus, and contacted the company. XXXX XXXX XXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have multiple duplicate debts on my credit report, and I do believe that is hurting my score! I tried disputing the accounts and thats when I started seeing duplicates
Consumer complaint received 2019-07-26
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (MA)

I have had this account 38 yrs a few times renumbered with new account numbers. For the first time today!! I was told when I asked : Why is my minimum payment and balance going UP instead of down for the first time after I made a payment.?? The answer I received from today 's rep was something about covering the whole balance with the minimum payment. 

I am demanding Citibank NA to send me in writing where I agreed to this practice?? and also my original agreement from 1983. This is outrageous, my payments should make the minimum payment as well as the balance go DOWN not UP!!

Is this practice even legal??? I did not sign to it. And why all of a sudden after 38 yrs is this being done to me.?? I have never been late or missed any payments since 1983 origination.
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (VA)

Have had repeated calls to employer, most recently being XX/XX/2019. They ask for me and make it known that they are a credit card company seeking to speak with me regarding debt. This is not anyone elses business and has caused me embarrassment and personal strife.
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (CA)

I'M HAVING ISSUES WITH THE CREDIT BUREAUS CORRECTING MISTAKES REPORTED ON MY CREDIT REPORT.
Consumer complaint received 2019-11-13
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. (CO)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$29000.00} on the US DEPT OF ED/XXXX/XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and there is no outstanding balance due. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have two personal loans from XXXX XXXX XXXX  in the amounts of XXXX and XXXX. I have paid off both accounts six weeks ago and these accounts are still showing as current with the paid off balance still present. I would like for these accounts to reflect as paid so my credit reports can be current and up to date.
Consumer complaint received 2022-10-06
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. (GA)

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the XXXX, contacted credit bureaus, and contacted the company. AD ASTRA RECOVERYXXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.
Consumer complaint received 2023-04-04
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: Open Dealer Exchange, LLC (CA)

8 Inquiry dates are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On behalf of our client XXXX XXXX, trustee of the deceased borrower XXXX XXXX, we have been working on trying to get legal fees remove the deceased borrower loan. The borrower died in the property last year and was found by family member end of XX/XX/XXXX. He fell behind not because of negligence he DIED. Union Bank made fun of the fact that family did not know he had passed away and have been doing everything they can to make this process even harder for the grieving family. We are currently in escrow and scheduled to close XX/XX/19 and the foreclosure auction is scheduled for XX/XX/19. I have requested an extension of at least 10 days just in case something goes wrong and they denied our request. Not only that, we ( Escrow and I ) have requested a payoff demand multiple times with no luck. They claimed that they did not received our requests or that the requests were invalid. This transaction will pay them off in FULL this is not a short sale. Union Bank is trying to steal the equity of this home from this grieving family. All we ask for is at least 1 more week if not 10 days to close escrow and they will have full payoff.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert J. Colclough, III (CA)

I sent a debt validation letter to Allied Collection Services requesting they send me proper documentation to myself such as a copy of the original contract with my wet signature, documentation proving they have the legal authority to collect on this alleged debt. They received my letter on XX/XX/2019 via tracking info & was confirmed with account specialist XXXX on XX/XX/2019 XXXX. 

In my letter I unequivocally asked Allied Collection Services to cease collections/reporting until such account was validated which they did not. 

XXXX XXXX ( supervisor/legal ) stated on a recorded call ; that the account was not going to be removed as it was " allegedly validated '' on XX/XX/2019. 

My validation letter dated XX/XX/19 was a rebuttal for Allied Collections to send me physical proof meaning documentation and not just verifying an address or name. 

As of XX/XX/2019, I have received no response/correspondence to my validation letter that was received by them on XX/XX/2019. I then spoke to account specialist XXXX who confirmed no other documentation was sent out following my XX/XX/19 rebuttal validation letter. 

This is a clear violation of the Fair Debt Collection Practices Act. ( section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ) ( section 609 states that they are required to send me the paperwork associated with this account. )
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-01
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. (CA)

I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately
Consumer complaint received 2018-06-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX / XXXX XXXX.
Consumer complaint received 2023-04-04
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)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IA)

My son, XXXX and I are both on this banking account at US Bank. On XX/XX/2019, XXXX attempted to withdraw {$500.00} USD on an ATM machine at the US Bank : US Bank XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX No money was dispensed, and he got a message that he needed to remove his card so he did. XXXX thought there was a machine malfunction so he tried the transaction again and received message that he had reached his limit and could not withdraw funds. Online banking showed that the {$500.00} was taken out of his account. XXXX called the bank and was told that it would get figured out because the ATM machine wouldn't balance so the money would be put back into his account. However, the money was not put into his account and the complaint was closed because the bank said the ATM balanced. They then filed a fraud report, and told us to wait 10 business days for provisional money to be put into XXXX 's account. The money wasn't put into the account and when I called to check on it, they said that it wasn't fraud, that it should have been filed as a dispute so they closed that claim and filed it again as a dispute. We requested that they give the {$500.00} provisional money and they denied that request, then XXXX XXXX called the next day to say that the money will be put into the account, until that claim is settled. We have requested numerous times for someone to watch the video to prove that XXXX did not receive the money. HOWEVER, XXXX XXXX XXXX, Assistant Vice President at that location sent us an email stating " When the Police present us with a subpoena for information well be able to get that on to the right department so that they can work with the Police. '' XXXX did file a police report, then we followed up with the detective, who stated that he isn't able to get a subpoena for this because it's not a criminal matter, but a civil manner. And US Bank is still not willing to watch the video to determine what happened! This is ridiculous! 

We want someone to please watch the video of the transaction from XX/XX/2019 at XXXX to see if the money was or was not dispensed to XXXX . We would like to see the video also. This has been such a fiasco! 

Then please grant XXXX the {$500.00} plus any overdraft fees that have accumulated since XX/XX/2019 - which the bank has said they will do, if it's proven that XXXX did NOT receive the money. But no one at US Bank will watch the video to prove what happened to the cash.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

Regarding two charges from XX/XX/2019 in the amount of {$1500.00} and {$250.00} The charges were made on XX/XX/2019 and disputed on XX/XX/2019. 
After not hearing back from TD Bank a request for fallow up was made on XX/XX/XXXX by XXXX, XXXX XXXX XXXX XXXX in the XXXX NJ office The response from TD on XX/XX/XXXX was that. TD claims that they requested more information from me. 
( Note that is the ONLY communication that I did not receive from TD throughout this entire ordeal ). 
The more information was then provided to XXXX, XXXX XXXX XXXX XXXX at the XXXX NJ branch on XX/XX/2019. 
XXXX, XXXX then faxed that information to the proper department in TD Bank but did not save the fax receipt hence TD is denying the claim because the branch did not save the fax receipt.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IN)

XXXX, and for that matter XXXX and XXXX and XXXX, continue to " report '' on my credit two debts that by their own admission are more than 7 years old. Discover card alleges a fraudulent debt that isn't mine, but admits that the delinquency occurred and was first reported in XXXX of XXXX. Similarly, XXXX XXXX admits that a XX/XX/XXXX delinquency reported in that month is still on my credit. The LAW is that seven years from a delinquency, if the account is never again current is the MOST that an item can appear on your credit, period. Yet, XXXX reports that these items will be on my report until XXXX and XXXX, which are more like 8 or 9 years ( see attachments ). These items must come off now. I attach my own XXXX credit report showing that, as a matter of law, these two debts, which are fraudulent to begin with, are totally and completely as a matter of law over 7 years old and must be removed. Seven years from XXXX of XXXX is long past. 
Note the circled areas on the attachments to this complaint -- there is no doubt these items should have been removed in XXXX of XXXX.