davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I have an account with Chase bank for a Southwest Airlines Credit Card. The original limit was {$12000.00}. There is an annual fee of {$90.00}. Shortly after charging and collecting the annual fee, Chase reduced my credit limit from {$12000.00} to {$3300.00}. This reduction was executed XX/XX/XXXX of 2020. I had just paid down the balance from {$12000.00} to {$3300.00} from XXXX through XXXX. The reduction in credit limit put me over my credit limit. I called Chase around XX/XX/2020 and they said they ran their random account review and that resulted in a lower credit limit. I asked why the limit was set below the remaining balance as this would put me over my limit and be consider negative on my credit report. They said it would not show on my credit report as they have not reported it to the bureaus yet. I started receiving credit monitoring notifications from multiple sources ( XXXX, XXXX, Chase ) that I had new negative account activity to include a large reduction in available credit ( lost $ XXXX in available credit ) and a card reporting over the limit ( this Chase account at {$3300.00}, or {$9.00} over the limit ). I don't believe companies should be eligible for charging renewals and then drastically cutting credit limits. They should conduct the review and if there is a change in terms then its the consumers option to continue the account relationship at the expense of the annual fee. That is not fair I paid {$90.00} to have my limit cut by over 70 %. Additionally, I was not provided enough time to react to their insane credit reduction to prevent myself from being reported over the limit. XXXX  weeks is not enough time for them to send me the communication and allow me to take action to reduce the balance before reporting me over the limit. I want any reference to being over the credit limit removed from all bureau reports.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HW Holding, Inc (TX)

XXXX  Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Last Activity XXXX Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX -Hunter Warfield High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed account # 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  Trans Union and XXXX deleted all 3 accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all 3 of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from Trans Union and XXXX with these accounts deleted.
Consumer complaint received 2020-05-08
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)

Experian Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX Experian XXXX  XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-26
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. (AZ)

On XX/XX/XXXX, I sold my house in XXXX XXXX, CA. It had been in pre-foreclosure because I had fallen behind on my payments. However, it never got to foreclosure status. The house was a regular sale from which proceeds were received. I have the deed of sale indicating such, where my name - not a banks name - is on the signature line. The issue is that this was recorded to the credit bureaus as a foreclosure which has damaged my credit and impeded my ability to purchase a home. At some point between the time of sale and now, the financial institution with whom I had had my mortgage, XXXX XXXX XXXX, was acquired by XXXX XXXX XXXX ( d/b/a XXXX XXXX ). On XX/XX/XXXX, I contacted XXXX XXXX via recorded telephone conversation advising of this error. I was told that within 6 weeks I would get a response. On XX/XX/XXXX, I received a response from XXXX XXXX in which they state they conducted an investigation and determined that the account was paid in full and that there were no errors found in my credit history and therefore a credit correction was not necessary. This was not the nature of my inquiry. No one is disputing that the account was paid in full, as that is public record. Im disputing the fact that it was recorded as a foreclosure and is flagged as such by the bureaus on my credit report. I made two subsequent phone calls to XXXX XXXX in attempt to further clarify my position. I was told that theres nothing they could do because XXXX XXXX XXXX is defunct, and they recorded the account as closed, paid in full. Since XXXX XXXX XXXX  acquired XXXX XXXX XXXX, they also acquired the burden of correction in addressing issues such as this, which have a direct negative impact on the consumer. Im not sure if its laziness or incompetence but I have a feeling its equal parts. I need my credit report to reflect the sale of my home correctly, and not as a foreclosure. I would also like to be advised of my litigation options, as at this point I believe there are damages to recoup.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Opened credit card account in XXXX of XXXX. My account was closed in XXXX of that following year. it's showing negatively on my credit report, which is affecting my ability to be approved for certain cards. I didn't have a lot of experience with credit cards at the time, I'm more responsible than I was a year and a half ago.
Consumer complaint received 2024-12-06
Product: Credit 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: BARCLAYS BANK DELAWARE (IL)

Disputing a charge of {$4700.00} applied to my Barclay account on XX/XX/2024. This charge is an error, as I was not in possession of the card at that time. 

Background of Dispute On XX/XX/2024, I received a notification that my new card had been activated. I immediately locked the card via the Barclay app upon seeing this notification, and I have attached email records confirming the lock. Additionally, I called Barclay at XXXX ( XXXX ) XXXX to report the activation and potential unauthorized access on XX/XX/XXXX. I have phone records showing this call. 
Shortly after, I was unexpectedly locked out of my mobile account access. This, along with evidence provided by Barclays representative, indicates that the card had been compromised.

Evidence of Fraudulent Activity I received a letter from Barclay indicating the charge would remain on my account, along with a statement incorrectly asserting that I was in possession of the card. I spoke with a Barclay manager on XX/XX/2024, who confirmed that unauthorized changes, including a new phone number on the account, had been made, demonstrating fraudulent activity. He assured me that a dispute had been submitted. However, I have not received any follow-up or resolution in over 30 days. 

Thank you for your prompt attention to this issue. I look forward to your response.
Consumer complaint received 2021-12-23
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. (AZ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XX/XX/XXXX I contacted BB & T for a home loan. I was emailed a user name to start the application process. 

XX/XX/XXXX I received an email which stated I had pre-qualified for a home loan. 

XX/XX/XXXX I emailed a copy of my completed XXXX XXXX XXXX XXXX  Income Verification Worksheet & other documents to XXXX XXXX XX/XX/XXXX I emailed XXXX XXXX my complete application for down payment assistance for first time home buyer, the Homeowner Assistant Program Intake Certificate. 

XX/XX/XXXX I requested the information for the Home ownership Counseling so I could receive the grant for first-time home buyers but was informed I needed to wait before taking the class. 

XX/XX/XXXX I was reissued an updated pre-qualified letter for {$130000.00} because it expired XX/XX/XXXX I resent a copy of my drivers licenses ( front & back copy ), XXXX income taxes, copies of bank statements ( XXXX, XXXX , & XXXX  XXXX XXXX XXXX ) and XXXX W2. 

XX/XX/XXXX paid {$470.00} for the appraisal in order to close on XX/XX/XXXX ( check cleared XX/XX/XXXX ). 

XX/XX/XXXX paid {$220.00} for Inspection XX/XX/XXXX paid {$28.00} for credit report but was denied a copy because it is against BB & T policies. 

XX/XX/XXXX - Earnest money payment of {$750.00} XX/XX/XXXX I received a Notice of Incomplete Application via email from XXXX XXXX . There were nine items that needed to be completed prior to XX/XX/XXXX. I informed XXXX XXXX the 401 ( K ) payment was scheduled to arrive by XX/XX/XXXX no later than XX/XX/XXXX. 

XX/XX/XXXX emailed XXXX XXXX 8 of the 9 items for the Notice of Incomplete Application XX/XX/XXXX I had to liquidated my 401 ( K ) because there was no more grant money. The amount I could get was {$850.00} ; on XX/XX/XXXX I received disbursement of {$740.00}. 

XX/XX/XXXX, my realtor reached out to both XXXX XXXX and XXXX XXXX to learn if a conditional approval had been granted but never received a binary response. 

XX/XX/XXXX, I spoke to XXXX XXXX three times. Our last conversation, I stated I did not want to forfeit the earnest money because they did not provide the commitment letter. XXXX assured me the letter would be sent to my realtor. I was led to believe the letter was sent. Unfortunately, my realtor did not receive the commitment letter. 

XX/XX/XXXX at XXXX XXXX, Ms. XXXX sent a text message stating she did not have the ability to release the commitment letter - only the processor can do this. 

XX/XX/XXXX, I contacted BB & T bank to file a complaint against XXXX XXXX & XXXX XXXX XX/XX/XXXX I received an email ( XXXX XXXX  ) stating the annual taxes came to $ XXXXyear which was significantly higher than what they predicted which increased my debt-to-income ratio. I was informed I needed to bring additional assets for {$19000.00} ; or pay off the {$13000.00} car note
Consumer complaint received 2020-05-08
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-09-19
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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 .. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX OF inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XXXX XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-09-28
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: SYNCHRONY FINANCIAL (CA)

Company : Syncb/aevisa ( Bank ) XX/XX/2021 XXXX XXXX ( Automotive ) XX/XX/2021 XXXX  ( Finance ) XX/XX/2021 I asked them if I could get an estimate on how much the price of the vehicle would be if my credit is around XXXX. They gave me an estimate of the car but I didnt even know that they did a hard inquiry on my credit until now. I never gave them permission to check my hard credit score and they never told me that they would be checking my hard credit score because if they did I would of asked them not to. The whole time I was lead to believe that they generated a good price on what the vehicle might cost using the FICO score provided by my bank XXXX XXXX and other information I gave to them. All the other banks and finance companies they used I have no information about and would like to take them off as well.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (SC)

XXXX  is reporting an Ocwen Mortgage # XXXX on our credit reports that one was closed and paid in XX/XX/XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also  showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.