davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
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. (TX)

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX Status XX/XX/XXXX XXXX XXXX XXXX Original Creditor 11 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit
Consumer complaint received 2022-05-02
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. (GA)

On the XXXX of XX/XX/2022, I sent a letter requesting investigation and removal of several accounts reporting on my credit that have incorrect opening dates, last payment dates and missing full account numbers. These accounts have not been removed OR updated. They still remain on my credit report, negatively affecting my credit file. It has been over 60 days and I have received no response or updates from the credit reporting agency
Consumer complaint received 2022-01-17
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. (IL)

A bankruptcy is on my report from all 3 bureaus, Experian, XXXX and XXXX and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''
Consumer complaint received 2021-06-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Starting in XX/XX/XXXX through XX/XX/XXXX, TransUnion Credit started taking XXXX from my debit account w XXXX XXXX XXXX  for surveillance of my bank account. Unauthorized. Search of XXXX showed they did this from XX/XX/XXXX through XX/XX/XXXX and were fined and placed in consent decree by CFPB TO STOP. They were fined XXXX $ million plus for defrauding consumers.I WENT TO XXXX and they canceled my account TransUnion took {$310.00} from my account and sometimes left me w no money. See XXXX  : XXXX Additionally on XXXX XXXX. XX/XX/XXXX they were complaints exactly like this in discussion. 
I believe TransUnion are violating their consent decree. I believe they are defrauding millions of consumers again.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

Hello, This is XXXX XXXX. I have been trying to resolve inaccurate credit reporting for over 6 months. I have talked to XXXX XXXX XXXX, Elan Financial Services/ XXXX XXXX , XXXX  , and XXXX  to update a late payment alert on my account. I have resolved the issue with my bank and financial company, but the both XXXX  and XXXX  have refused to assist me with this issue. I have filed over 5 disputes over this issue and this still has not been resolved. I plan on purchasing a home in the next year or two and it is crucial that this gets fixed. Please assist with this issue as soon as possible. 

Best, XXXX XXXX
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-07
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. (GA)

Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-27
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. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Had an account with Wells Fargo and it was during the time members and friends got ahold of my account and was using my ID and social security card to falsely identify me or open credit and let the bills go into collection. Wells Fargo stated that they closed down this account years ago. Now that I have relocated away from roommates that was committing fraud and scams against me. I relocate my family to XXXX XXXX and tried to reestablish my account with Wells Fargo and was denied. When I checked my XXXX  credit report it stated that I did have an open account with Well Fargo. The rep verify that it was an account open in my ame with my social security number but couldn't provide me any information on the account because I didn't know the username or account type because I didn't know one exist. Rep placed on hold to connect to any department that would be able to access the account but rep didn't want to wait on hold to warm transfer me and hung up. Which disconnected the call and wasn't able to speak with no one about this unauthorized account that I know most likely was open up by XXXX XXXX that has a account with Wells Fago and open my dependents an account with Wells Fargo after she went to social security office to change me to her as my kids payee and lied and stated that the funds was being spent on them and going into her account instead. When asked for kids well fargo account stated that she canceled but never gave me there money back from there account. I believe she open one in my account to have the direct deposit sent there. She made false fraud reports stating that she had unauthorized charges which was a lie. She kept her card in her shirt at all times and she give my daughter her account information to make purchases and then play like she doesn't remember and file reports with banks. Instead of Wells Fargo doing a proper investigation the close my account. Allow people with no valid proof of guardianship because one was never in place and would never be a safe place for kids go in and change information on the person that account holder. Wells Fargo need to be aware of this discrimination and judgment that was pass on me
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (IA)

XXXX XXXX XXXX XXXX ( Now recently name changed to XXXX ) The bank claims they are for XXXX XXXX Banking and can do what all other banks can do. 

THEY COMPLETELY COMMITTING MARKETING FRAUD. 

Illegal practice that makes false or misleading promotional claims for financial gain via their account representatives who are misleading and on their website and social media marketing materials. They are not a SMALL BUSINESS BANK. 

After opening an account... I found out that you can not deposit CASH or Checks from customers into your account AT ALL. 

I was told to give out my banking account information and routing number to each of my customers as a solution. THAT IS VERY DANGEROUS to tell new small businesses and would open them up to MASSIVE THEFT opportunities. 

They are committing marketing fraud claiming they are a small business all solution bank as they clearly are not.
Consumer complaint received 2022-11-19
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)

i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXX delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-07-28
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. (IL)

On XX/XX/2018, I have requested that Equifax investigate XXXX XXXX because I don't have an account with them. Their results indicated the account as verified. I spoke with XXXX XXXX   briefly. I then told them that I have never heard of them. They have no Consumer Contract with my valid signature to verify this account. The Customer Service representative told me that they have my social security number as means to verify this account. I have been a victim of Identity Theft. My social security number could easily be obtained from the Dark Web. Equifax is allowing this company to verify my account using my social security number even though I submitted a written request requiring my creditors to provide physical verification. This is in violation of my consumer rights under section 609 of the Fair Credit Reporting Act.
Consumer complaint received 2018-10-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (RI)

XXXX XXXX has placed a collection item on my credit report on XX/XX/2015. Related to a Speedy Cash loan that I never took. I called XXXX XXXX many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from Speedy Cash nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got Speedy Cash to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.
Consumer complaint received 2022-11-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX US Department of Education 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 2022-11-19
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. (NJ)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account XXXX 1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX  XXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX 5.Validate Account XXXX Account XXXX 6. Validate Account XXXX XXXX Account NumberXXXX 7.Validate Account XXXX Account Number:XXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX  Account XXXX
Consumer complaint received 2022-11-19
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. (IN)

I was involved in a fraud event where my personal information was exposed. I was also involved in a data breach at work. I have accounts reporting that are recently showing up that are not my accounts. I also have TONS of new inquiries that are not mine.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (DE)

On Friday XX/XX/XXXX I received a notification from my credit monitoring service that the company, XXXX XXXX, closed my account. I had opened it and was approved on XX/XX/XXXX, however less than 2 weeks later with no notice from the company they closed the account. 

I used the account 1X for a small purchase to ensure that the account was activated. 

I contacted the company on XX/XX/XXXX and they advised they sent me a letter, that I have not received and closed the account because of too many inquiries. But this information was provided only when I called and spoke with a less than empathetic representative. 

I this is is an unfair and deceptive practice that would have caused me embarrassment since I was planning on using the card to purchase an XXXX computer for my niece.
Consumer complaint received 2019-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I wanted to pay off my line of credit in full I called Citizens Bank ask them what the payoff amount was they sent me a email and letter stating it was a certain amount up until XX/XX/XXXX I paid off the loan in full XX/XX/XXXX I have a cancelled check saying it was paid off on the XXXX when I was at my branch in XXXX I told them to cancel the auto-pay on the interest of the loan they told me I did not have to since the loan was paid in full well on XX/XX/XXXX they took out a {$510.00} interest only payment out of my account since then I've been fighting with them to give me my money back and so far I have not been able to
Consumer complaint received 2021-03-03
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. (MD)

I never gave any written or verbal consent to XXXX, Equifax, or XXXX  to report any information onto my consumer report. I believe if NO consent is given then it is committing identity fraud for furnishing information without my permission pursuant to 15 USC 1681b : Permissible purposes of consumer reports, 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.
Consumer complaint received 2018-07-28
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. (MS)

I filed a complaint on Transunion and XXXX/XXXX with Consumer Financial Protection Bureau on XX/XX/XXXX. ( Please see complaint ID XXXX and XXXX for further information ). As a result of the previous complaints that I had on these companies, XXXX/XXXX did agree to update my status on these closed accounts correctly and Transunion did comply. However, on XX/XX/XXXX as a result to a recent dispute that I submitted to Transunion, they updated all of the accounts from XXXX/XXXX as " Account 60 Days Past Due Date, Maximum Delinquency of 60 Days in XX/XX/XXXX ''. This matter has already been resolved by CFPB and Transunion decided to put this incorrect and misleading information back on my Transunion credit report. Transunion has also violated my rights under FCRA by not telling me within 5 days of the reinsertion of the derogatory information on this account.
Consumer complaint received 2022-11-19
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. (MI)

In accordance with the Fair Credit Repprting 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 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 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 2022-05-02
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: Franklin Collection Service, Inc. (LA)

In accordance with the fair credit reporting act convergent account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have a right to privacy. 

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.