davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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: Experian Information Solutions Inc. (NC)

Dear Experian Dispute Department, I am writing to dispute a collection account on my credit report which is being reported by XXXX XXXX XXXX XXXX. The account in question has negatively impacted my credit score and financial wellbeing, and I believe it should be removed from my credit report. 

I have reviewed my credit report and found that XXXX XXXX, XXXX has reported a debt that is not valid or accurate. I have no knowledge or record of this debt and I believe that it has been reported in error. Furthermore, I have not received any notice or correspondence from XXXX XXXX, XXXX regarding this alleged debt. 

As an informed consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and I request that Experian conduct an investigation into this matter. Specifically, I request that Experian contact XXXX XXXX, XXXX and request verification of this debt, including documentation that supports the accuracy of the information being reported. 

Please note that as a consumer, I am entitled to see the source of the information that is being reported on my credit report. This includes the original contract that contains my signature. I request that this documentation be provided as part of the verification process. 

I also want to emphasize that a breakdown of charges is not considered verification of debt. I request that XXXX XXXX, XXXX provide proper validation of this debt, which includes a complete chain of title for the debt and proof that they are legally entitled to collect on it. 

According to the FCRA, 611 ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must conduct a reasonable investigation within 30 days and review all relevant information provided by the consumer. If the information can not be verified or is found to be inaccurate, the credit reporting agency must promptly delete or modify the information. 

Furthermore, according to FCRA 609 ( a ) ( 1 ), a consumer has the right to request and obtain all information about them that is being reported by a credit reporting agency. This includes the right to request the original contract and a complete chain of title for any debt that is being reported. 

Finally, I request that Experian delete this collection account from my credit report if XXXX XXXX XXXX XXXX is unable to provide verification of the debt within the 30-day period required by the FCRA. It is my belief that this account has been reported in error, and I respectfully request that XXXX take immediate action to correct this error. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, we made a {$280.00} deposit to a relatively new account at Chase Bank. The deposit was from a long time client of my wife 's, she XXXX a child and family therapist. There as nothing unusual about the check,, it was from a local XXXX XXXX and Bank XXXX XXXX had never had an issue with them. 

Chase Bank suspected that the check was a forgery, we have no idea why they think this. They have frozen our entire account of {>= $1,000,000} including my paycheck from the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), a check for {$150.00} for my birthday from my mother and our original {$2000.00} deposit. 

They won't explain why they froze our funds, they won't say when they will unfreeze them. We have XXXX  scores of over XXXX, a flawless XXXX report ( with a high score ) and an impeccable background.
Consumer complaint received 2022-02-19
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. (PA)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TX)

ON XX/XX/2023 JEFFERSON CAPITAL WAS SENT A CERTIFIED DISPUTE LETTER IN REGARDS TO A DEBT OWED BY XXXX XXXX IN THE AMOUNT OF {$1600.00}. JEFFERSON CAPITAL HAS ILLEGALLY SUBMITTED A FALSE DEBT OWED TO THE CREDIT REPORTING AGENICES WITHOUT NOTIFYING ME OF THE DEBT IN QUESTION FIRST. IN THE LETTER SENT TO THEM ON XX/XX/2023 THEY WERE ASKED TO SEND VALIDATION OF THE DEBT SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT. AS OF XX/XX/2023 THEY HAVE FAILED TO RESPOND TO THE DISPUTE LETTER OR SHOW ME ANY EVIDENCE OF THIS DEBT BEFORE REPORTING IT TO CREDIT AGENCIES.
Consumer complaint received 2023-05-02
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)

On XXXX XXXX Ive submitted letters to the credit bureaus to provide me with verification of the accounts in question ( XXXX, XXXX XXXX ), which they have failed to provide me with any information. 
On XXXX XXXX Ive submitted letters to Transunion to remove all unrecognizable hard inquiries that I have no knowledge of and to provide me with any information of my consent to these accounts.Theyve yet to provide me with information on the accounts.
Consumer complaint received 2022-06-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (IL)

On XX/XX/2022 I reached out to Pen-fed Credit Union to refinance my VA home loan for a cheaper interest rate and also a 15 year mortgage. I spoke with XXXX XXXX in regards to refinancing my VA loan and he explained what the minimum credit score and debt to income ration was.

At this time I checked my credit score and I meet the requirements of the bank and the the VA requirements to refinance my mortgage. The next day I lifted my credit freeze and gave XXXX permission to review my credit for a refinance. 

When I called him back he said oh your 2 credit scores are ok but one of them you are off by a few points. I personally feel that he lied to me because I had checked my credit the same day and I meet the qualifications to refinance my VA loan.In fact the VA only requires a XXXX credit score and I was we'll above that., I personally feel that Pen-Fed loan VA loan originator discriminated against me. He never sent me a letter in the mail showing my credit score and nor did he send me a letter stating the reason in which my refinance was denied. 

I personally feel that above mention gentleman alone with Pen Fed Federal credit Union Violated the Federal Housing Act.

1. Discrimination in my getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.

2. Discrimination against a 100 % XXXX military Veteran 3. Lied about my credit score 4. Failed to send me a letter in writing explaining why I was denied refinancing my VA loan 5. Unfair and unprofessional housing refinance practices I personal ; ly felt that XXXX XXXX was being untruthful to me on the phone, he was speaking to me as though I was a stupid moronic person or a child. 

Address of the loan officer that works for PEN FED as a 3rd party XXXX XXXX XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX Ph : XXXX Extension XXXX XXXX TX XXXX
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

On XX/XX/XXXX My friend sent me a Money Transfer using moneygram with her debit card sending to me thru my debit card. Usually this transaction takes around 15 to 20 minutes to show in my bank account. Money was taken from my friend 's account but i never arrived to my account. We wait until next day, and they money never appeared in my account, so we proceeded to file a claim with MoneyGram. 
After claim was filled, until today XX/XX/XXXX we have no answer from Moneygram, they said it can takes until 90 days and there is no reason for that. My friend wants to cancel the transaction to get a refund and Moneygram dont want to do the refund. My friends tried with the bank, and bank asked her to request to Monegraym the policy where shows it can takes 90 days, but Moneygram refused to send that policy, like that she can submit it to the bank, and bank can cancel the transaction.

I was expecting that money to pay my rent, i can lost my aparment beacuse i did not paid my rent beacuse moneygram has my transaction in the air, and we dont know when it will be resolved. Is not fair to play with somebody's life like that.
Consumer complaint received 2022-10-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 status incorrect
Company: The Outsource Group, Inc (CO)

Medicredit is saying that we owe {$110.00} dollars that was paid in full on XX/XX/XXXX, Reported to them on XX/XX/XXXX. The account number listed is for a different person. The original debt was for us. They are reporting it as open and still an outstanding balance. They have also agreed to remove the accounts and are now saying that it is not in their practice to remove any accounts. I have been told several stories as to what is going on in this account including it being paid and reported as paid in full to they sold it to another agency. Dispute was filed on XX/XX/XXXX and they have yet to respond to the dispute. On XX/XX/XXXX called to get receipts of items paid and to find out more about this talked to XXXX twice over at medicredit and was told 2 different things. They can see that I have paid it, but are unsure why it is still saying owed. Then the second time was that they sold the account and couldn't tell me to who. I am extremely concerned with their practices and feel this is unfair reporting since it was paid!
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 ( XXXX ) 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, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2022-08-22
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. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 2024-11-20
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. (LA)

TO : Whom It may Concern This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that CONSUMERreporting agencies excercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS right to privacy. 

I demand the deletion of all personally identfiable information from my CONSUMER report with the exception of : MY FULL LEGAL NAME : XXXX XXXX MY ADDRESS : XXXX XXXX XXXX XXXX, La. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 
Please delete these outdated addresses and update the address with the one above!!! 

My only phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected CONSUMER and have a right to privacy.

Not granting me my rights is in direct violation of 15 USC 1681 and all subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX, La XXXX XXXX Sincerely : XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-02-19
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-10
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. (OK)

I have disputed XXXX XXXX inquiries that appears on my credit that I did not do. The credit agency says they are accurate or they can not remove these from my credit file. I explained to them that I did not give permission for any of these inquiries from XXXX XXXX. I have no idea who they are or why they have continually retrieved my credit file. This is fraud! PLEASE DELETE ALL XXXX XXXX INQUIRIES PERMANENTLY FROM MY CREDIT FILE. Thank you.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Time is money ; Meaning they werent as prompt or as descriptive as they couldve been as far as explaining the policy until the last minute; assuming that I or the other customers already were aware of what their company policy is in this current year. Although it was better explained to all of us promptly and I depth later, I still feel that we should be $ $ $ $ compensated for our wait.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I had an account starting in XXXXXXXX XXXX XXXX and the account got closed without my knowledge sometime in XXXXIm not sure how much money if any at all was in the account when it was closed without my knowledge.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (OH)

I contacted Experian and let them aware that I was a victim of fraud and that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile. Experian representative told me that she could not delete the inquiry even though I let her aware that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Date of transaction- on going since XXXX XXXX XXXX Amount of money I have paid- {$XXXX} What the business committed to provide you- Carrington said my pay off balance for my house would be {$XXXX}, XXXX XX/XX/XXXX XXXX XXXX then with property tax and insurance included would be a final {$XXXX}, XXXX total, XXXX XXXX who works there told me this in email he said this too. So I have given them an additional {$XXXX} which is interest. So the house should be paid off now and no remaining balance left but still every month they continue to add more money to the pay off balance. They add {$XXXX} every month. Even though underneath the pay off balance it states in the letter they sent me Funds received after XX/XX/XXXX will require an additional {$XXXX} monthly interest. Which is why I paid the {$XXXX} in addition its the interest. Now Carrington sent me a letter XX/XX/XXXX saying my total pay off balance is an additional {$XXXX}!!! It is absolutely absurd. And even when I sent them multiple letters XXXX XXXX told me to fax and they said it would take 4 weeks for them to respond even when I was waiting for a response for them they sent me a foreclosure letter and charged additional money for that!! When my total balance was ONLY {$XXXX} and I was waiting on them to get back to my letter. They sent me a foreclosure letter and charged an additional {$XXXX}!!!! Which is absolutely ridiculous!!! Which all the stuff I am writing now I have faxed letters, emailed talked to them on the phone and still they wont resolve this. At this point I dont owe them anything else! And yet they are still sending letters saying the pay off balance is now {$XXXX}. The business has been awful and theyve been a complete scam when it comes to this and just keep on trying to get more money. Attached I have the letters they have sent, ones I have faxed. If needed I can also send the emails Ive sent to XXXX XXXX. 
Just yesterday XX/XX/XXXX I paid an additional {$XXXX} I wired and I also sent {$XXXX} which was an automatic payment. Even though I do NOT owe anything I paid this because every month they charge an additional {$XXXX}!!!! So the money that I paid yesterday and anything additional I need paid back to me! Now Carrington owes me {$XXXX}!!! I need this money back ASAP. Carrington has been absolutely awful charging money I do not owe, sending foreclosure letters, when interest monthly is supposed to be about {$XXXX} adding an additional {$XXXX} every month. And on top of that they never respond!!!!