davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Ongoing Dispute with Experian Regarding Incorrect Personal Information on Consumer Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an ongoing issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite my previous attempts to resolve this matter, the incorrect personal information on my consumer credit report has not been adequately addressed. 

On XX/XX/XXXX, I called Experian requesting that they correct the inaccurate personal information and remove incorrect addresses and names from my credit report. The inaccuracies on my credit report have the potential to negatively impact my creditworthiness and financial standing, which is deeply concerning to me. 

Despite the stipulated period for Experian to investigate and rectify the inaccuracies, the incorrect information has not been removed or corrected as of the date of this letter. I have been monitoring my credit report closely and have seen no changes in the erroneous data, which leads me to believe that my complaint has not been properly addressed. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I believe that the continued reporting of incorrect data by Experian is a violation of my consumer rights, and I request the CFPB 's intervention to resolve this matter promptly. 

I am providing the following details for your reference : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Address ( es ) listed on Experian report : 1. XXXX XXXX XXXX XXXX, XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Name ( s ) listed on Experian report : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX I kindly request that the CFPB investigates this matter on my behalf and ensures that Experian complies with the FCRA by correcting and removing the incorrect information from my credit report. Additionally, I would appreciate regular updates on the progress of this investigation. 

Please find attached copies of my previous correspondence with Experian, which includes proof of my initial dispute and their acknowledgment, as well as any relevant documentation supporting my claims. 

I sincerely hope that the CFPB can assist me in resolving this issue and ensure that my credit report accurately reflects my credit history. Your timely attention to this matter is greatly appreciated. 

Thank you for your assistance and understanding. Should you require any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (VA)

cash app allowed someoneto change my email and phone number then stating they cant idebtify me because of this reason. i had an XXXX stolen and this is what started it all. theybrefuse to help me recover my own money.
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This is to do with claim # XXXX as I previously stated I don't know what this is about. Portfolio debit collections continues to call me everyday. I can only say if it's a credit card debt it's from over 20 years ago. Listed is phone numbers from them XXXX, XXXX. In XXXX I was divorced my ex husband was ordered by the court to pay a XXXX XXXX credit card if this is it otherwise I have no idea what this is. Portfolio doesn't leave a message and didn't send me any info about this matter. I'm deaf so I don't talk on phone I'm on XXXX XXXX have told you before I have no idea what this claim is. They were calling XXXX times a day now since I complained it's once or twice a day.
Consumer complaint received 2022-09-23
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: Texas Guaranteed (TX)

The response of Trellis Company to my request ( XXXX ) is not acceptable. Again, in accordance with FACTA Section 312, I am requesting TRELLIS to send me 1. ) the original promissory note showing proof that I owe this debt and the agreed-upon terms, 2. ) maturity date, 3. ) principal, 4. ) interest and issuers signature. These are the accounts in question : TRELLIS- XXXX XXXX, Trellis XXXX. Please provide these 4 documents. 
Furthermore, I believe this information on my consumer report to be a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions.
Consumer complaint received 2022-06-04
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. (NE)

Experian did not remove the inaccurate information from my credit profile. they claim a proper investigation was was completed but how is that possible if the date of last active is inaccurate, date last reported, payment history and other inaccurate information is in correct. This is ground for removal. Accounts : XXXX # XXXX XXXX/XXXX # XXXX XXXX # XXXX XXXX  # XXXX 15 U.S. Code 1681 section 604 A section 2 The law Cleary states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681 section 611 ( 2 ) ( a ) The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes 15 US Code 1681 section 611 ( 5 ) ( I ) ( ii ) The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

Now I dont know what I am supposed to do but I am a XXXX XXXX XXXX  that had the wrong XXXX XXXX XXXX when I was XXXX but I cant rent anything not even from rent a center, an old friend of mines used my social and now me being a XXXX XXXX with no family or people that will lend a helping hand given to me. i work hard for every XXXX I get but I cant do nothing to help myself, I am suffering the only thing I have ever been able to get on my credit is XXXX XXXX XXXX XXXX, in XXXX, then years later I go and check and it is all kinds if loans and things that if myself would jave applied for I would get denied. Im so XXXX of this Im almost homeless now. And I cant even borrow XXXX dollars, im tired and im at my wits end. i need help a new start everything is so hard for me and I am just sitting here watching everyone, happy.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AK)

I moved out of XXXX XXXX XXXX XXXX in XX/XX/2022 and submitted my notice in writing to move out by the end of XXXX. In that written notice I requested a copy of the move out charges be mailed to my new address which I also included in the letter. I never received anything. On XX/XX/XXXX, I get a message at my job to call back a man named XXXX. I call back and its a debt collector with IQ Data demanding I pay the balance in full immediately. I explained to XXXX I had every intention of paying for what I owe but I had not received a breakdown of what I was being charged for. I explained that I was told I wouldnt be charged for certain things and I needed to know that I wasnt paying for something I dont owe. I also need to know how my security deposit was applied. XXXX claimed he was going to email me this exact information then tried to pressure me into paying before I could see this email. I asked why I wasnt able to dispute the debt and he responded by saying I could only dispute it if I paid for it. I know this to be a violation is section 809d of the FDCPA, so I demanded I be able to check my email and review the information before I called back and paid. XXXX proceeded to tell me that if I did not pay before seeing this proof he would mark the account as a refusal to pay and take the further action. I explained that I knew my rights and would be calling back as soon I I reviewed the email. What I received was a list of charges all described as move out charges and nothing showed my security deposit was applied toward the balance. So I called back and complained to a manager. She also tried to mislead me into thinking I did not have the right to dispute until I brought up the CFPB. Then she explained that I would need to submit my dispute in writing though she did say an email would suffice. I immediately emailed the dispute to the address she gave me, explaining that I need more than a generic list of unspecified charges including a breakdown of how my security deposit was applied. On XX/XX/XXXX they finally mailed me the exact same proof they had emailed me in XXXX. I sent a follow up email explaining, the documentation they sent was not sufficient and I reiterated what information would be necessary to properly validate the debt. I have not received a response but I did just get an alert that the collection account has hit my credit. I dont need credit for anything, however I was not given the opportunity to pay what I legitimately owe before they reported it. I have been forthcoming about my intentions and due to the unethical and illegal practices of IQ data I have suffered stress and financial repercussions that should have been avoided had they respected my rights as a consumer.
Consumer complaint received 2022-12-30
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. (NC)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you're unable to verify this, Please have this collections deleted off my account.
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Delta Management Associates, Inc. (CA)

That account has been opened fraudulently without my knowledge. The company has not provided the original application/agreement with my signature like I have requested on XX/XX/2022 and XX/XX/2022. The billing statements that were sent have inaccurate information. Therefore, I have requested from the company a copy of the original application/agreement with my signature along with the company 's original purchase agreement. I have asked on two different occasions to send other information that does not include billing statements and I have not been provided that information.
Consumer complaint received 2022-12-28
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2021-02-24
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2021, my wife and I went to XXXX  XXXX of XXXX to start our search for a vehicle. I was explicitly clear that I did not want a hard inquiry pulled on our credit as we were just starting the process and simply exploring our options. After leaving the dealership without purchasing anything or pursuing anything further, I learned a hard inquiry of our credit histories was pulled against our wishes and without our consent. I have attempted to contact the company to remedy the situation, but have been unsuccessful.
Consumer complaint received 2023-08-11
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. (NY)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-16
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: Resurgent Capital Services L.P. (NY)

This is absurd. These debt collectors ( Resurgent/LVNV funding ) are using the default date as the date they bought the debt. The original default date of the account they bought was more than 7 years ago.
Consumer complaint received 2023-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (MA)

I am attaching copies of all the documents that I submitted to Keybank regarding the issue. You can see that the total payments that show on my account that I made ( all bank statements are attached as well ) do not match what was applied to my mortgage. It is short by {$110.00} ( you can see where they tried to " fix '' something and took this amount off twice ). In addition, you can see on the statements that the sent that on XX/XX/XXXX my mortgage payment and minimum due was correct. Then on XX/XX/XXXX statement the amount due jumped to {$970.00} ( {$690.00} more ). On the XX/XX/XXXX statement you can see they are fees. This complaint on the fees pertains to a prior complaint where I said they added a lot of {$30.00} fees but they denied them being on my account. Now you can cleary see them. I reaffirmed my mortgage when I filed bankruptcy and the fees are all added to the end of my mortgage ( the amount is {$5800.00} ). Nowhere in this agreement were there an additional {$690.00} in fees. I have repeatedly asked them to review this and every time they brush me off. I gave them documentation and they still fail to answer my request even with all my documentation sent to them to review. Keybank owes me the {$110.00} and the {$690.00} in fees that they took from my mortgage payments. It is bad enough I had to pay the {$5800.00} due to a hard time in my life but to add additional fees for no reason is ridiculous! I have asked them to fix this issue as I am in the process of selling my home and want my money that is due to me credited on my account prior to me paying it off as I know they will NEVER refund me once they have the money. This is the worst bank to have to deal with and they can rest assured once this is resolved and I pay the mortgage in FULL they will never make another penny from me, my family, friends and business customers.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ME)

I recently had a company report a that my account was 30 days late in XXXX on my credit report. The account that is reporting this is XXXX. I was absolutely 100 % NOT 30 days late, and I have PROOF of this. I have NEVER been late or missed a single payment on this account and, in fact, not only was I NOT late in XXXX, but I also made TWO ADDITIONAL payments that I DID NOT HAVE TO MAKE in XXXX and paid FAR MORE than the minimum due for the month of XXXX because I am trying to pay the account off sooner rather than later as I am purchasing a new home. 

Now, here is my problem with EXPERIAN. I have been trying to file an online DISPUTE for this account for the past FIVE DAYS and I keep getting an error message saying, " Oops, we're sorry! We are currently unable to process your request '' whenever I try to file a dispute. I have NEVER had this issue with Experian before when trying to file disputes online. I have emailed Experian customer service XXXX XXXX in the past several days, but my emails are being IGNORED and NO ONE has replied to me. 

FIX YOUR ONLINE DISPUTE so I can FILE MY DISPUTE or I will take LEGAL ACTION against Experian. With this complaint, I have uploaded a screenshot of this error that I keep getting whenever I try to file a dispute. I have been getting this error for NEARLY AN ENTIRE WEEK. FIX IT. NOW.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.