davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my ChexSystems and XXXX XXXX XXXX XXXX XXXX which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

ChexSystems Report : XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX Report : XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX  XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX  RELATED Account # : XXXX XXXX. XXXX XXXX XXXX  RELATED Account # : XXXX XXXX. XXXX  XXXX Account # : XXXX XXXX. XXXX  XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX - XXXX Account # : XXXX XXXX. XXXX XXXX XXXX - XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX  Account # : XXXX None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that ChexSystems and XXXX XXXX XXXX conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID. 
- A copy of my current phone bill as proof of address. 
- A copy of my ChexSystems report. 
- A copy of my Early Warning report. 
- A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Thanks for the response, however I did not receive the check reissued in my name, dated XX/XX/2020 in the amount of {$3800.00}. All checks were reissued with the exception of this one, check number XXXX. It was returned to escrow when that check should have been reissued in my name, XXXX XXXX. Please assist. Why was that check not reissued to me? Please refer to complaint # XXXX where this was never addressed and resolved.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GOLDMAN SACHS BANK USA (VA)

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 an open end consumer credit plan as late for purpose
Consumer complaint received 2024-12-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ID)

I contacted the Home Depot Headquarters as well as XXXX XXXX XXXX XXXX for having inaccurate information on my credit report. The initial contact took place in XXXX, XXXX, XXXX, XXXX, XXXX. Initially some of the information such as phone numbers etc that were clearly never mine, were removed, however, other things such as late payments in XXXX and false information was not removed. So, I contacted them again stating that I had proof that the information was wrong and they refused to correct it. I provided the proof and also stated that lying about information can result in me being able to sue the credit agency and the store. They still refused to correct it. After many months of going back and forth via mail. I never heard from Home Depot directly, or Citibank where the credit card is issued by. I always would hear from the credit reporting agency. Then on XX/XX/XXXX I received an email saying that I needed to make a payment on my account, that it was a communication to collect a debt. I did not understand this because my account has been in a closed status, by myself initiating it, and paying off the balance in XXXX dollar payments monthly on the XXXX of every month. It has been in this status for almost a year, I have adhered to the program, and never been late. I also did not have any problems with them until I wrote to the company disputing inaccurate information on my report. I called Citibank/Home Depot on XX/XX/XXXX at XXXXXXXX XXXX and spoke to XXXX and asked why I was receiving the email, and she said so that I can make a payment. I said, I dont owe you anything until the XXXX of the month, I already am in a payment plan, and everything was fine up until me asking to have certain things corrected in my letter regarding my credit history with Home Depot . She apologized, agreed that I never had been late in any payments and that she would make a note of it. I said I am going to file a complaint because, that is false information, and using threats via an email to pay an account that is being paid. When a payment plan is in place, and a person is following the agreement, you dont just start threatening debt collection and to make a payment. That is illegal. ILLEGAL HOME DEPOT & CITIBANK! its bad enough that you wont correct my report, but then you threaten me, with bogus emails. This is not ok, it is wrong, and shame on you. I will dispute this, file complaints, continue to send letters and inform who I must about this deceitful, gross tactics!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX. XXXXXXXX XXXX XXXX on XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 
XXXX. XXXXXXXX XXXX XXXX on XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am filing a complaint regarding unjust charges from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). Since 2018, I have been wrongfully charged {$780.00} for carpet replacement after they kept my {$650.00} deposit. Additionally, they unlawfully charged me {$50.00} per month for my Emotional Support Animal ( ESA ), violating California Civil Code 54.1. All proper documentation was submitted to them regarding the ESA animal. 

Despite my attempts to dispute these charges with the property management, they have refused to address the issue, directing me to a collection agency. These charges have been reported to Experian, XXXX, and XXXX, impacting my credit and leading to housing denials. I have also disputed these with the credit bureaus, but they refuse to remove the negative information. 

I request that the CFPB intervene to resolve these unjust charges and have them removed from my credit report.
Consumer complaint received 2024-08-21
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: Experian Information Solutions 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.

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 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I deposited two checks on XX/XX/2022 to my Fifth Third checking account. One from my mother for {$1500.00} and another for {$480.00} from a settlement. My account at the time was overdrawn by {$270.00} and while I had thought perhaps one check might be held I had deposited several checks from my mother that were not so I had no expectation there would be any problem. 

Imagine my shock when I checked this morning XX/XX/2022 my deposit shows as pending but I am still negative. I received no text or alert and they are holding not one, but both checks until XX/XX/2022. This is deliberately keeping my account negative and will cause more transactions, including my car payment and an IRS payment to be returned when I should have more than sufficient funds to cover both. 

My account has been open for almost a year and I receive direct deposit of my paycheck and never had any check I deposited returned. This seems manipulative and predatory. 

I spoke with a branch representative when my account was new and I had a hold on a mobile deposit. He specifically told me if I did not use a mobile deposit I would not have a problem. 

I am going to have fees from both Fifth Third and various companies if these bills are returned unpaid. I reached out to them and explained everything and they basically said too bad it is what it is. I received nothing when depositing or after that these would be held.
Consumer complaint received 2024-09-03
Product: Credit reporting 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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

RE : Late Payment Improperly Reported- I XXXX XXXXXXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by { CRA }. { CRA } has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. 
This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2022-12-16
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (NY)

Child support per law is only to be on your report up to 7 years from INITIAL delinquency date. I repeat, child support by law is only to be on your credit report 7 years from INITIAL, not last, but INITIAL delinquency date. Furthermore, you can not possibly have a " Last '' delinquency date when you have been delinquent since inception hence INITIAL delinquency date. I have been delinquent on child support since XX/XX/XXXX. I have enclosed a summary of account statement from XXXX XXXX XXXX XXXX dated XX/XX/XXXX which CLEARLY shows my delinquency of {$43000.00} as of XX/XX/XXXX. That is 11 years ago. This account needs to be deleted from my report immediately. Its in clear violation of the FCRA and my rights. This has cost me numerous adverse decisions when it should never have been on my report. I have been harmed irreparably by Equifax 's refusal to remove this item as they should. They have the obligation of reporting correct & accurate information on my credit report. The burden is on them especially when I have brought to their attention their error. I have tried numerous times to rectify with Equifax to no avail. It is their responsibility to have XXXX XXXX XXXX XXXX to dispute what I have furnished as being correct or they have no business reporting it. I was XXXX in XXXX for this delinquent account. Yes, in XXXX! Equifax has the nerve to argue with me and tell me that it has been delinquent since XX/XX/XXXX. Recap. XXXX delinquency date is XX/XX/XXXX, I have enclosed statement from XXXXXXXX XXXX XXXX showing the arrears at {$43000.00} BACK in XX/XX/XXXX. That is XXXX years. That is XXXX years past the time to report. Violation of my rights under the FCRA. I was incarcerated in XXXX over this delinquency, I would not have incarcerated if I was not delinquent BACK IN XXXX!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports