davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the XXXX & also I had some XXXX with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by XXXX XXXX and then I disputed with XXXX XXXX after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is XXXX XXXX is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially XXXX  XXXX or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that XXXX XXXX can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well thank you.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (MD)

I opened a small business account with XXXX Bank and deposited funds into the account. When opening the account, I provided the Certificate of Incorporation filed with the Secretary of State 's office and the EIN letter from the IRS. Both documents have the correct name of the business. After opening the account, I traveled to another state to purchase equipment for the business using the funds in my account. While attempting to transfer the funds to the company electronically, I was locked out of the account. I was on the telephone with an assistant branch manager while making the transaction, but I was placed on hold and eventually disconnected. When I tried to log back into my account, the account was locked and I have not been able to access the account since that day. When I called the customer service number to get back into the account, I was told that the business name did not match the name on the Certificate of Incorporation and EIN document. I later found out that someone changed the business name on the account without my permission from " XXXX XXXX XXXX XXXX '' to " XXXX XXXX ''. Customer service notified me that I would have to go into a local branch to get back into the account even though I was in a state without a physical bank location. When I returned home, I went into the physical bank location and went through the process of having access restored. However, when I logged in the next day, I was not able to access the account. I called the employee who restored access and she said I would have to come back into the branch again. I have been a customer with TD Bank since 2006, and this has never happened before. I need assistance with getting access to my account and my funds. I also recently have had an issue with the bank changing the name on my personal account from my legal name " XXXX XXXX XXXX '' to a previous name " XXXX XXXX ''. I have made requests multiple times to have the name corrected, but the bank continues to change the name on the accounts and debit cards to my previous name. I need assistance with getting the bank to change the name on my personal accounts to my current legal name.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing this inaccurate public record for the past 6 months I was a victim of identity theft In the XXXX & also I had some XXXX with same name file bankruptcy and for some reason its showing up on my credit report which once I found our I disputes immediately. It came back verified and then I disputed again and then the bureaus said it was verified by XXXX XXXX and then I disputed with XXXX XXXX after I requested all my information and report they sent I looked it over I looked over and I found out there are many inaccuracies In the public record and if they actually did the investigation they could have easily seen that it wasnt correct and the main issue is XXXX XXXX is saying in writing that they verified this bankruptcy directly from the court house so I went to the court and they wrote me a letter and signed it and it clearly says they dont verify anything with anyone especially XXXX XXXX or any cra and it also says they can not guarantee the accuracy of there public records once they are on file so there is absolutely no way that XXXX XXXX can up hold the laws of the FCRA And make sure they are reporting only verified to be 100 % accurate information is reporting when the place the record is coming from cant even do so. This has harmed my credit it has cost me employment & more embarrassment that I cant put into words I am asking for you to please have this removed and investigate this situation as it is inaccurate and should not be on my file at all. Last dispute I filed with them was on XX/XX/XXXX and the one before that was on XX/XX/XXXX and I uploaded documents to them and they didnt even look over them thats what the lady told me when I submitted on XX/XX/XXXX again.. I will attach them here as well thank you.
Consumer complaint received 2022-11-29
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (GA)

They are not properly investigating my claim. The address the initial " letter '' went to is incorrect also I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am on XXXX and was receiving XXXX every two weeks. I am suppose to get money deposited to my EDD debit card. I should have received one on XX/XX/XXXX, and another XX/XX/XXXX. 
My name is XXXX XXXX. XXXX. Address XXXX XXXX XXXX XXXX, Ca XXXX. 
Thank you.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONRAD CREDIT CORPORATION (IA)

Illegal practices under the FDCPA. 

This debt, which I am not admitting fault or ownership of, has been closed and reopened as a new account in order to keep it on the credit report longer and lower my score ( probably in hopes of scaring into payment due to the sudden drop and having longer to collect considering this debt is so old it has little effect on score and is near falling off the report all together. ) This debts original date is XX/XX/XXXX, making it over 5 years old and falling off the credit report after XX/XX/XXXX. 

On XX/XX/XXXX I received notifications of removal of a collection account and a new collection account added. Both were of this same account. XXXX XXXX XXXX removed the debt from my credit then re-submitted it as a new debt with a new fall off date of XXXX XXXX-7 years from now, which is re-aging/parking debt. 

Re-aging debt is when a debt 's status changes on credit reports to make it appear as a newer debt, such as deleting and re-reporting as new to keep it for longer and drop the consumers ' score significantly ( because it now shows a a new debt and not a debt old enough to not make much of a difference anymore ). 

It is illegal for debt collectors to re-age credit/park accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. I have submitted a dispute directly with credit bureau 's and XXXX and will continue to report.
Consumer complaint received 2023-04-07
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION (NJ)

On XX/XX/XXXXXXXX XXXX XXXX  I was going over my company 's BP Business Solutions Card Statement when I noticed that there were 2 charges for fuel purchases of {$500.00}. One was on XXXX  and the other was on XX/XX/XXXX from different XXXX locations. The same day I called BP to dispute the charges. I have been with them for 5 or more years and my fuel purchases never run over {$45.00} or {$50.00}. I told them that these were not my company 's purchases. The BP Representative asked me many questions and when I had answered them, he said I would be contacted by BP after their investigation was completed. Can't remember the exact amount of time they told me but when I didn't hear back from them, I called BP. When I asked the BP Representative about the progress of the investigation, he told me the case was closed because they did not receive the documents, they emailed to me to sign and return to them. When I told him that I was never instructed to sign anything and that the email they sent me said only that documentation for both disputes was attached, which I took to be copies of the dispute taken over the phone, he said there was nothing he could do, and the case was closed. I also talked to the representative 's manager who told me the same thing. Additionally, I followed up with and email on XX/XX/XXXX and did not get a response. 
Recently, I found your website hoping that you would be able to help me with this situation. I called and was told to fill out a complaint form online. I am attaching copies of BP Mastercard dispute information emailed to me and my email response to them requesting that the case be reopened based on my explanation as stated above.
Consumer complaint received 2022-09-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Please refer to the email I sent to XXXX XXXX at the media department of Chase. 
" I currently have a loan application in progress for the purchase of a home of my elderly mother. At the beginning of this process i was given specific information for debt that needed to be paid down to less than 10 payments in order to be excluded from the debt to income ratio. I made such payment XX/XX/XXXX following the loan officer 's requirement. 
Unfortunately, after three weeks of lack of communication, loan officer not following up with me, I find out today, 8 days before closing, that this XXXX dollar debt has to be paid in full in order to qualify ( not paid down ). 
The underwriter also requested a lot of information that was already documented in the provided bank statements. She asked for evidence of funds for a direct deposit which is from my husband 's job as seen on the direct deposit transaction in the bank statement itself. 
Essentially, there are documents provided which sat there and either the underwriter reviewed and forgot to ask for explanations, or they were not looked at at all. I have supplied everything requested literally within hours of the tasks appearing online. I checked my portal twice a day since my experience was that the processor also would not check except every 3 days. On a 30 day contract and rate lock time is of the essence. 
Needless to say now I am at risk of losing my deposit and worst of all my mother has to start over to find another home and financing somewhere else. 
My very first home mortgage was with Chase 12 years ago and the experience was quite different. 
I also filed an escalation case XX/XX/XXXX XXXX. never heard from them either. I just called them again and was told they would have the " case resolver '' call me back within 3 days. Needless to say the actions show how little we matter as clients. 
Chase is also refusing to give me back the XXXX " good faith '' deposit they asked from me when application was taken.
Consumer complaint received 2023-05-23
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. (DE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to Experian and To Whom It May Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.
Consumer complaint received 2021-03-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Hi XXXX XXXX XXXX XXXX Bank ; ***See attachments that for a civil judgment that was settled and I was promised and guaranteed that it was going to be removed or deleted from my credit report. ****** Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 XXXX ability of the consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have fraudulent address reporting on my credit report 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 2020-12-08
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. (NJ)

I review a current copy of my credit report and show inaccurate information listed on my report. creditor XXXX is showing a charge off account with conflicting last payment dates on my credit report throughout credit bureaus. I requested to have account verified and I have not received any information back per my dispute. I am now being directly violated and have issues with credit reporting and I'm in distress. Listed below is creditor information and inaccurate last payment dates Creditor : XXXX Account number : XXXX Last payment dates listed between credit bureaus : XX/XX/2018, XX/XX/2018, XX/XX/2018. I have requested verification and have not received any dispute results.
Consumer complaint received 2023-05-17
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)

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX  Balance {$590.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Consumer complaint received 2020-12-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management sent letters to wrong address so I was unaware they were contacting me. I sent them a debt validation letter on XX/XX/20 I forgot to send it certified. I sent a certified letter on XX/XX/20. It has been 30 days and I haven't received validation of the debt. I received a letter last week that demanded I contact them by XX/XX/20 and demanding payment or they are going to take legal action against me. I have already contacted them with the 2 validation letters and they have not sent me any proof that the debt is mine or that I owe them.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.
Consumer complaint received 2023-04-21
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. (MT)

My name is 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 reportsno consent is fraud. 

XXXX  XXXX Date opened XXXX XXXX, 2022 XXXX {$4400.00}
Consumer complaint received 2023-02-11
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)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # ending 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