davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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. (FL)

Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX I had been in the hospital XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was XXXX XXXX XXXX XXXX Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : 1. XXXXXXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX XXXX I was in XXXX in another country serving for our country during the time periods that this account was opened ) 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 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (OR)

Regarding : Credit reporting from Barclays Bank Delaware. 

I do not recognize how this account is reporting to my credit report. This was closed reported as charged off. If this debt has been forgiven, canceled, or settled for less than the full balance, the IRS 1099-C form is required to be filed under 26 U.S.C. 6050P if the amount of canceled debt exceeds {$600.00}. But I have never been provided with a 1099-C form from Barclays Bank Delaware XXXX Everything reported here does not meet the FCRA. Please permanently delete off my credit reports from 3 major credit bureaus ( XXXX, XXXX, XXXX XXXX ).
Consumer complaint received 2022-08-21
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. (PA)

I received a email about a inquiry on my credit report so I checked my report and found several false inquiries on my report which includes XXXX 3 times, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Consumer complaint received 2023-04-05
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 sent via certified mail two rounds of letters to Equifax on XX/XX/23 and XX/XX/23 and the accounts listed below still remain on my credit report and have not been fully validated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-12
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (UT)

I had wire transfers of {$150000.00} on XX/XX/XXXX and XX/XX/XXXX for XXXX go out that were unauthorized. I contacted the bank in person on XX/XX/XXXX and reported they talked to the wire transfer team and I filled out paperwork and they said they had everything needed. They said it should be settled in a month. Later they asked for more paperwork that was already sent in, then a third time. Then on XX/XX/XXXX they sent out the paperwork a forth time. The paperwork was submitted properly the first 3 times according to the bank. After the 4th time they wanted more info so I filled it out and sent it in a fifth time, then they still wanted more so filled out a sixth time. In XXXX of XXXX they denied the claim stating it took to long. They stated that they last claims 4 thru 6 took to long for them to get the paperwork and right info. However like I said I had previously filed 3 other claims which they stated were done correctly but decided not to mention in denying the claim. 
They also claimed I walked into the same bank that I opened an account with to make the wire transfers with the same information. This is a total lie. 
Also they closed my account in XXXX of XXXX and it had {$6400.00} left in it. This is money I deposited into the bank myself. They told me I couldnt have it because someone who I didnt know tried to make multiple deposits into my account under several names. First off I didnt know the person, next I dont know how they would know my account information unless they got the wrong account. Also it would be the banks fault for allowing something like that to happen. They didnt want to give me my funds back due to this.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I sent in my complaint from the CFPB on XX/XX/2023 they responded with the interim response on XX/XX/XXXX and I have not gotten any information back. It's been more than 30 plus days. I sent out letters to experience for months. No response and send my letter complaint in for the CFPB and yet no response.
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. (VA)

When I reviewed my credit report today, I was stunned to find inaccurate accounts listed. This was totally unexpected, as I've been checking my report regularly, and everything has always been accurate until now. Refreshing my browser didnt change anything ; the errors were still there. I urgently request a detailed review of my submitted documents to prevent this from happening again.
Consumer complaint received 2022-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

My mortgage was transferred to Newrez last month of XXXX. I am already having issues with payment portal and the reporting payment history being incorrect. I've sent messages to newrez and I've contacted them via phone. My last payment to newrez was on XX/XX/XXXX thru the payment portal on their website. My payment was never processed and I can't even see record of my attempt on their site. I called my bank to see if there was an attempt to take the payment and there wasn't. Additionally, newrez claims the last payment was XXXX. XXXX. Before my mortgage was transferred to them my XXXX payment was made to XXXX  loan  so the correct payment history should have transferred. I am on the verge of having a mental breakdown dealing with them please hold this company accountable there are far to many documented complaints
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO PREVENT FUTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2024-10-13
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. (MI)

I am witing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Consumer complaint received 2023-04-05
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. (FL)

I have previously written to TransUnion to investigate and Verify a bankruptcy listed on my credit report, which they responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the court house myself. 

The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for reference. It is quite clear that someone from TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). They also refused to reinvestigate when I provided them a copy of the Clerk of courts response.
Consumer complaint received 2023-04-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My ex boyfriend XXXX XXXX or XXXX whatever his real name is stole my information when he stayed with me the. He moved to XXXX XXXX in XXXX XXXX XXXX I only found this out after I discover he opened a credit card in my name and he even hacked my email. So I didnt know he actually opened 4 accounts one with capital one one with XXXX  XXXX one with XXXX XXXX as well as a XXXX XXXX XXXX XXXX XXXX account which were all without my knowledge or consent.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On several occasions I requested that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXX XXXX XXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX and XXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX and XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX XXXX  XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXXXXXX XXXX  XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX XXXX XXXXXXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX XXXX XXXX XXXX XXXX  to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 
XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX {$1200.00} XXXXXXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the
Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Consumer complaint received 2024-10-13
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. (NV)

On XX/XX/XXXX I received an automated letter from XXXX in regards to an investigation for a dispute I submitted XX/XX/XXXX and I received a letter from Experian for the same account on XX/XX/XXXX for The account " XXXX XXXX XXXX XXXX '' account # XXXX which is showing on my credit profile ( s ) as a prior charge off and a paid in full account. 

As stated in both my Certified letter as well as my original CFPB complaint. This creditor listed should no longer be listed on my credit report for the following reasons : 1 ) This creditor is WELL PAST the statute of limitations in which the account was open and held in which is in the state of Nevada. In Nevada the LAW states that the Nevada Statute of Limitations is 4 years and no longer. XXXX and Experian have made it a POINT to indulge and participate in " Unfair Business Practice '' by clearly knowing this information and being notified of this information multiple times and still choosing to undermine the law and keep this file on my credit report even though it's past the Statue of Limitations.

2 ). Under FCRA 15U.S.C. 1681p Transunion and Experian has failed AGAIN with obliging with FCRA LAW 3. ) XXXX and Experian have now " verified and updated '' this account multiple times meaning that the information they publish on my credit report is INCORRECT, because by fact and knowledge if record was initially correct then there would not be a need to " update '' information. Also attached you will find copies of both credit reports showing different information for this account! One states that this account was only open for 1 month and XXXX is showing from XXXX which proves Verification from Both parties is fraudulent and information is clearly incorrect. Please note that by partaking in this corrupt business tactic, XXXX and Experian have ALSO breached FCRA 15U.S.C. 623 which states : A furnisher of information ( XXXXExperian ) must NOT furnish inaccurate consumer information. So Both Creditor ( XXXX XXXX and XXXX ( XXXXExperian ) have deliberately obliged in Unfair Business Practice and Trade. 

I also requested NUMEROUS amounts of time a COPY OF THE METHOD OF VERIFICATION AS WELL AS A COPY OF " VERIFICATION '' ( Meaning a hard copy of contracts with WET signature or any documents proving and showing that this account is correct, in which I HAVE NOT AND NEVER RECEIVED ). 

With this information being on my credit report and remaining it has now caused me a great deal of LOSS and Emotional stress and damage. I am sending this complaint in as FINAL record of my consumer right to take the necessary steps to get this discrepancy and incorrect information off of my Credit report and getting it properly resolved, prior to forwarding this ongoing issue to the Attorney General 's office.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX and there is XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604A Sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USC 's 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.