davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted XXXX, XXXX and Experian and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted TransUnion, XXXX and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

attach you will see documents
Consumer complaint received 2022-10-12
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)

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, 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 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 2020-02-11
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 (NY)

This credit bureau and bank are giving me a hard time I found an inquiry from capital one on my XXXX credir report contacted capital one they sent me a letter confirming this as fraud I mail it to XXXX and they still refuse to remove it they give me a hard time its not fair when they originally told me to provide them proof from the creditor requesting it be removed as fraud application Ive done it and they still act like its valid
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent TransUnion a letter requesting my information be corrected with the correct information for my residential address and employment. I sent a copy of my driver 's license, social security card, and voter registration card along with the letter. This information is proof of my Identity. Transunion would not correct the incorrect information on my credit file. I am requesting that they update my information with the correct information.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ive contact capital one auto finance regarding vehicle loan that is showing under my name without my authorization. 

I wrote to them to dispute the fraudulent activity that has been conducted under my name regarding a vehicle purchase. I did not purchase the vehicle in question, and I am a victim of identity theft due to serval data breach that has taken place serval times now. Ive taken step to monitor my personal information but to my avail this still has taken place. Please remove for this is preventing me from make any large purchases such as buying a house or new car. 

The vehicle information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never entered into any agreement with your company or signed any documents related to this vehicle.
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 — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a bankruptcy that is being reported in my name. I am well aware that they did not receive any information from the court as the court states it does not release information but instead they get their report from XXXX. the information that XXXX in reporting and the information that LCI is reporting is not the same. I have provided information to show the court name and the case number does not match. 
I have tried many time to have Transunion remove this incorrect information but every time it comes back verified by LCI. 
I have also included there response and their refusal to remove it
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I am having problem with Equifax, they are not providing my credit report from last 6 months, i sent multiple times my id information over fax and mail to their address, Equifax has updated all my financial information on my wife credit file and deleted my credit file.. 

I am spending some part of my daily call with Equifax to get my credit report, they are not answering and responding properly also, they are saying i do not have any credit file with them.. 

I am in process on purchasing new home, where soon i will need to go for mortgage and because of Equifax not providing my credit report to lending company.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am writing to bring to your attention an entry on my credit report that is inaccurately reflecting my financial status. 

Account Details : Creditor : Capital One Balance : {$4300.00} Account Number : XXXX Capital One has written off this debt, yet it remains on my credit reports, causing significant damage to my creditworthiness. As a lone consumer facing a financial giant, it is disheartening to see such practices continue, especially when companies like Capital One have profited immensely at the expense of individuals. 

I request that Capital One take immediate action to remove this entry from my credit reports. If this issue is not resolved, I am prepared to escalate the matter to ensure my consumer rights are protected.
Consumer complaint received 2022-04-11
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. (TX)

XX/XX/2021 XXXX XXXX UNAUTORIZED HARD INQUIRY XXXX  XX/XX/2021 XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY.
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

THIS IS NOT A DUPLICAT COMPLIANT. 
XX/XX/2018 CFPB Case No. XXXX ACCOUNT NUMBER : # XXXX XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX, I spoke to the online manager of Citibank regarding the accounts listed above. I was told that the title of the accounts is under my name as primary account holders, and my children are secondary. For this reason, the accounts listed above are being disqualified to earn promotional bonuses. 
When I visited Citibank on XXXX on XX/XX/2018 to deposit a check, one of the tellers referred me for the checking promotions. I showed my interested then she referred me to the manager. I asked the manager how I could qualify to earn bonuses and meet the promotions requirements. Would my children qualify, being XXXX and XXXX and new to Citi bank? I was told that I wouldnt qualify since I have existing accounts with CitiBank but my children would. I returned to the branch on XX/XX/XXXX to open accounts and I provided my childrens social security numbers and transferred the NEW money from XXXX XXXX XXXX  to their new Citi bank accounts. The manager told me the bonuses would not allocate to the accounts until ended of XX/XX/XXXX. 
After waiting for seven months, the bonuses were not allocated to my childrens account. I contacted the online banking and I was told to contact the branch where I opened the accounts. The branch manager, XXXX told me that the accounts are custodian accounts which automatically are disqualified for the bonuses. I did not know that my childrens accounts were opened as custodian accounts and I have no knowledge that I am the primary account holders for my childrens accounts until online manager told me on XX/XX/XXXX. All I remember that I asked the branch manager make sure that they were using my childrens social security numbers for income tax for promotional bonuses and link their accounts to mine existing Citi Bank accounts for better management. After I opened accounts, I received transaction receipts and a Citibank post note written with my children 's account numbers. Nothing more related to my children 's accounts. 
After I compliant, XXXX offered me for XXXX Thank You points to settle this case. I rejected them because it was Citibanks mistakes which misled me. I am asking the bank to correct their mistakes and pay the accounts listed above back with the promotional bonuses of {$300.00}.
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MI)

On XXXX XXXX  2021 I was issued a 5000 Grant from the XXXX XXXX XXXX I had the money deposited into my American Express Serve account it was for my XXXX XXXX XXXX XXXX once the funds were deposited into my account my account was closed out due to what they say is fraud because it came under XXXX XXXX instead of XXXX XXXX I sent them proof of where the funds came from a copy of my identification card saying my middle name is XXXX as well as all the proof they asked for my account has been closed since XXXX XXXX of 2021 and I still have the 5000 in my account that has not been returned to me I have tried numerous times to resolve this problem with no luck
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. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As of XX/XX/2023 this account was paid in full the following month I checked my credit report in XXXX there was no change. Still showing unpaid I reached out to XXXX about this in XXXX and in XXXX asked for a letter stating my account was paid and account to be updated with the credit bureaus. There has been no updated information reflecting a XXXX balance nor the account status of this account being paid in full.
Consumer complaint received 2021-11-14
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (DC)

Nissan Motor Acceptance refuses to remove this fraudulent account from my credit reportI have been a victim of fraud and identity theft and the account needs to be deleted from my reportIve sent numerous letter to have the information removed but they continue to verify that the fraudulent account belongs to meThey can not produce a contract with a wet ink signature to prove there was a mutual agreement between two or more partiesThis account is ruining my reputation as a consumer and needs to be removed
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (MI)

We have a 30-year fixed rate mortgage through TOWNE MORTGAGE COMPANY, which began in or around XX/XX/XXXX. Our monthly mortgage payments were {$1100.00} up until last XXXX, when they suddenly spiked ( without notice, since we are set up for an automatic deduction every month ) to {$1400.00}. They have remained at this level since last XXXX. I have contacted the mortgage company twice and my wife has contacted them once. We have been provided with varying explanations ( property tax increase, home insurance increase, a combination of the two ). 

As of my XXXX statement ( XXXX ), we have paid {$1200.00} towards the principal, {$2400.00} in interest, and {$3600.00} in escrow so far this year, which is absolutely ridiculous. I live in a tiny little XXXX country town in rural Michigan ( though hopefully not for too much longer ), where no one would vote to pay for increased taxes on anything, and I'm certain that my insurance is nowhere near anything that expensive. 

Twice I have been told that they would look into it and notify me of what they found out, but they have never followed through and our payment has not returned to the originally agreed-upon payment. It is absolutely fraudulent that I am being charged {$720.00} per month for taxes and insurance.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cascade Capital, LLC (VA)

I received a letter in the mail from XXXX XXXX XXXX saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my jaw in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?
Consumer complaint received 2023-10-05
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 following account need to investigate and correct for erroneous reporting in my file and are listed on 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
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (PA)

i have never in my life had a repossession not only is this completely reporting incorrectly but I have attached a screenshot showing all of the incorrect information reporting on this account. 

1. High Credit XXXX : {$8600.00} XXXX : {$14000.00} XXXX : {$14000.00} How is that credit bureau have a different amount? This is inaccurate. 

2. Date of Last Active XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I am not sure how each credit bureau can have a different date. This was one account, not three. This is inaccurate. 

3. Date of Last Payment XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This clearly shows an error and another reason for this account to be deleted for its inaccuracies. 

4. Payment History XXXX : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; Charged off as of XX/XX/XXXX XXXX  : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; ; Charge off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : No late payment history provided. 

As you can see, the late payments being reported to do not match up and make it seem like I have more late payments than I should which are deceiving. This needs to be removed immediately. 

5. Date opened XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX As you can see this neither matches and is another reason this needs to be deleted from my acct. 

6. Monthly payment and number of months are also all reporting inaccurately. 


The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) I have attached a screenshot of my credit report so you can clearly see how this account is being reported. 

I expect to receive a letter stating that this account will be removed from my credit report, or I will have to pursue further action. 

Respectfully submitted, XXXX XXXX