davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
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: ERC (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN ( XXXX XXXXT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-06
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. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

On XX/XX/2022, I sent a certified return receipt letter to creditor listed on my ChexSystems consumer report to dispute inaccurate information regarding overdrafts. I am attaching a copy of the letter being returned from the post office on XX/XX/2022 due to a bad or invalid address. On XX/XX/2022, I sent ChexSystems a returned mail letter ( certified return receipt ) regarding my dispute being returned for an invalid or bad address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA, if the furnisher knows or has reasonable cause to believe that the information is inaccurate. The letter was received and signed for on XX/XX/2022. 

On XX/XX/2022 ( 31 days after signature ), I pulled my ChexSystems consumer report to see if the inaccurate item was deleted. Instead of removing the item, they just marked it as accurate and verified. As of XX/XX/XXXX, ChexSystem is continuing to report an invalid address and I demand that the item they are reporting to be removed immediately.
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (NV)

I went a car lot and specifically sad Do not shop my Credit and they did anyway.They told me that they contacted all three Bureaus with a letter to confirm they Ran My Credit by mistake. Its still there and Ive sent to them as well Ive attached a copy. 

I have also ask that XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX be removed and XXXX has yet to remove it.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

WHEREAS I am in possession of a draft that purports to indemnify American Express ( " AE '' ), against prior claims of misrepresentation made by myself and certain of my affiliates. The draft is drawn on the EIN of XXXX XXXX XXXX XXXX ( " XXXX '' ), which is XXXX. The source of payment is limited to information provided by me. The draft contains an undertaking made by me under seal, as collateral to secure payment, containing a covenant that I will assume ( i ) that a " bank draft '' is considered as " cash '', ( ii ) that the definition of a " bank draft '' includes a payment order, a transmittal order, an informal dispute, and the like, ( iii ) that initiating a bank draft is reportable to the IRS, ( iv ) that privacy notices and privacy policies and arbitration procedures are agreements to elect to not be treated as a partnership under 26 USC 761 ( a ), ( v ) arbitration, mediation and informal dispute provisions may be used as a security procedure for purposes of giving value and to allow for delegation of authority to purchase, sell, and/or exchange tax deferred investment property, ( vi ) the recording of phone calls by a financial institution is for verification purposes, ( vii ) the purpose of and utility " bill '' and any other " bill '' is to help assist in the verification of identity, ( viii ) the purpose of any credit, whether it be a credit card or deposit account, is security, ( ix ) the purpose of ATM card present PIN transactions are to help provide security, ( x ) AE can obtain emergency credit from a XXXX XXXX XXXX XXXX XXXXhe Board of Governors of the XXXX XXXX XXXX , or both, or " sandbox '' with Plaid or something, and ( xi ) electronic and telephonic credit card applications are set up to be electronic funds transfers as opposed to payment orders in order to prevent consumers from giving nonmonetary value as actual value. The check states that the collateral is subject to arbitration and/or mediation. The check contains copyright claims and privacy claims.
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (NY)

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX XXXX is authorizing this investigation.
Consumer complaint received 2023-12-18
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX  XX/XX/XXXX Account Number XXXX XXXX  XX/XX/XXXX Account Number XXXX XXXX XX/XX/XXXX Account Number XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-08-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2022-06-28
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. (PA)

TO WHOM IT MAY CONCERN : Hello my name is XXXX XXXX and iI am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-11-06
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. (CO)

According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All accounts associated with US DEPT ED or DEPTEDXXXX be removed from my consumer report immediately.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

My husband was disable veteran he is diseased My Mortgage company had me in foreclosure stating I owed XXXX My son loan me the money we paid it plus a mortgage payment. 
We were told that was all I owed to reinstate the loan XXXX. I didn't have the customer service person that all I owed. In XXXX I completed a Mortgage Assistance Application for help with my mortgage. Instead I received a statement stating I owed XXXX I called PHH about this statement, The relationship manager states I have the term of the loan to pay back XXXX. He hasn't giving me a reason for payment after paying XXXX which I had to borrow from my son. I paid XXXX in XX/XX/2021 He didn't give me a reason for this charge..
Consumer complaint received 2022-02-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (IL)

I sent a debt validation letter certified mail so I can validate the debt they never responded so now Im filing a cfpb complaint! this debt collection agency is stopping me from exercising my rights as a consumer and in the letter I asked for them to send me the documents I asked for or pay all scheduled fees and to remove the alleged debt from from my consumer report. Statements and contracts ARE NOT A VALIDATION!!
Consumer complaint received 2023-05-10
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. (SC)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

1.I live in XXXX County Oklahoma XXXX NEW REZ ACCOUNT NUMBER XXXX 2. in XXXX of XXXX The tax assessor accidentally sent the tax bill to my mortgage company for a parcel which is not part of the mortgage. I always pay that bill in full because that parcel is not mortgaged. 
3. In XXXX when the NEW REZ mortgage company reviewed my escrow payment they included that parcel ( WHICH IS ONLY {$130.00} PER YEAR ) 4 .They raised my monthly mortgage payment by over {$100.00} per month!!

No way can this be accurate even if they spread {$130.00} over 6 months.

Because I had that parcel for sale I did not immediately call them about this.

5.Th e land was listed for sale in XX/XX/XXXX and closed XX/XX/XXXX! 
6.I have tried for two months to get this payment corrected but have not received any personal call about it. Just ROBOTS ROBOTS ROBOTS!

7. They have not changed my mortgage payment!

ACCOUNT NUMBER XXXX
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I have a XXXX XXXX card through Comenity. Their site has been non-functioning for XXXX days now. Multiple complaints have been reported online to their social feed, nobody will answer a call at their call center ( get a recorded message saying they're working on it ). 

I don't want to be charged fees when I'm trying to pay off the balance as soon as a balance is created. This is causing an issue with all their customers.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

Multiple retailer card websites serviced by Comenity Bank/Bread Financial have been down since at least XX/XX/23. CB/Bread says their website update is taking longer than expected and nothing else. When you call the customer service number, you can not get a live person, just a recording. The recording repeats the notice about the systems update and if you want to speak with a customer service rep, to " call back at a later date ''. Account balances are not available at the retailer website when trying to use the card, and in some cases, charges are being declined. Are they really having system update issues or were they hacked?
Consumer complaint received 2023-05-10
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

For over 2 years Equifax have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute only the incorrect information it comes back verified even though I provide proof that the case number and the court name is incorrect and they saying it come back correct because the social is correct. so i went to XXXX since that where they say they get there info from and now it has been deleted from XXXX. I ask Equifax to remove this Bankruptcy since there XXXX  is no longer publishing it and they violate my right by not deleting it and by not verifying if and still reporting on my credit. 
I have provide you a copy of my last letter to them before I take legal action if not remove. 
Please assist me CFPB
Consumer complaint received 2022-11-21
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: JPMORGAN CHASE & CO. (LA)

Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Consumer complaint received 2023-03-10
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: I.C. System, Inc. (TX)

I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I reached out to XXXX XXXX XXXX on XX/XX/XXXX to ask about COVID-related mortgage forbearance options. They immediately notified me that they were transferring to another loan servicer effective XX/XX/XXXX. However, I require forbearance starting on XX/XX/XXXX, so they are essentially ensuring that I will be late on my mortgage payment before I can request forbearance. 

In addition, on my first scheduled closing, the underwriter, based off a visual analysis of the appraiser 's photos, required a {$23000.00} escrow holdback as security for the completion of additional siding and installation of an external staircase. This resulted in a very stressful delay in closing that almost collapsed the deal. However, more importantly, the appraiser herself, in response to the underwriter, stated that there already was siding on the house that was present and that the stair work was not necessary. The underwriter ignored the appraiser and required the holdback anyway. 

I reached out to the lender to notify them of the fact that siding was already installed and asked if I could instead install an accessibility ramp or external lift, as I am XXXX and occasionally have trouble going up stairs. However, they refused. I believe that they are discriminating against me on the basis of my XXXX.
Consumer complaint received 2022-02-18
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. (NJ)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!