davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX charge off, Ed financial, XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.Inclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-08-30
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. (CA)

In XX/XX/XXXX, I discovered multiple fraudulent accounts and charges on my credit report. These included accounts opened with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The fraudulent activity began as early as XX/XX/XXXX, with the most recent fraudulent accounts being opened in XX/XX/XXXX. 
XXXX XXXX XXXX : Fraudulent accounts opened in XX/XX/XXXX, with a total unauthorized charge of {$7000.00}. 
XXXX XXXX XXXX : Account fraud began in XX/XX/XXXX. Although there were no fraudulent charges, the account was opened without my permission. 
XXXX XXXX XXXX XXXX : Fraudulent activity started in XX/XX/XXXX, with {$44.00} in unauthorized charges. 
XXXX XXXX XXXX : XXXX began in XX/XX/XXXX, with {$1200.00} in unauthorized charges. 
I immediately took action by contacting the companies involved, freezing my credit, and reporting the identity theft to the FTC. Despite my efforts, these fraudulent accounts have negatively impacted my credit and financial standing. I request that these companies take the necessary steps to close the fraudulent accounts, remove the charges, and correct my credit report.
Consumer complaint received 2023-01-31
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. (WI)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-09
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. (MI)

I am writing to bring to your attention a serious issue concerning the inaccurate and incomplete information being reported by TransUnion, one of the major credit reporting agencies. Despite disputing the XXXX XXXX  account, TransUnion continues to report inaccurate details on my credit report, including incorrect addresses, payment history, and other payment-related information. This discrepancy between TransUnion report and the reports from XXXX and XXXX is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under FCRA Section 807-8, FCRA Section 623-B, sections 15 USC 1681e ( b ), 15 USC 1681s 2a1a, 15 USC 1681a 2ai, and defamation. Moreover, I want to emphasize that this account has been charged off/written off, resulting in its reporting to the Internal Revenue Service ( IRS ) as profit and loss. According to IRS regulations, this reporting categorizes the amount as personal income, and it is no longer considered a debt. Consequently, this account should not be reported on my credit report as it does not meet the criteria of a debt requiring reporting. It is crucial to note that all three credit bureaus, namely XXXX, XXXX, and TransUnion, are reporting different inaccurate and incomplete information about this account. Therefore, I kindly request your intervention in this matter and ask that the account be completely removed from my credit report. As a consumer, I am protected by the FCRA, which ensures that credit reporting agencies provide accurate and fair information about individuals ' credit histories. The inconsistencies and inaccuracies in TransUnion reporting not only undermine my creditworthiness but also hinder my access to fair credit and financial opportunities. Lenders and financial institutions rely heavily on credit reports when making lending decisions, and the inaccurate and incomplete information on my credit report has negatively impacted my creditworthiness and caused me to be denied credit opportunities that I otherwise would have qualified for. I am deeply concerned about the negative impact these inaccuracies may have on my financial future. Enclosed with this letter, please find copies of the relevant supporting documents, including the credit reports from all three credit bureaus, highlighting the discrepancies in TransUnion 's reporting. I kindly request that you remove this account from my credit report immediately.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX I, XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax and XXXX. Please delete the following accounts XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX  - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX - XX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry. XXXX XXXX XXXXXX/XX/XXXX - - 15 USC 168b ( a ) ( 2 ) Permissible Purpose of Consumer Reports-- Please delete this unauthorized hard inquiry.
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX ( XXXX  ), a debt collector stating they were trying to collect on a Comenity Bank debt allegedly owed to XXXX. According to XXXX, an Express Card Account through Comenity Bank was sold to XXXX XXXX XXXX on XX/XX/XXXX. As a result, XXXX a debt collection company, would be collecting on and servicing my account. Per XXXX a Comenity Bank ( Express ) account was charged off on XX/XX/XXXX. However, according to my records, I received a credit card statement on XX/XX/XXXX, from Comenity indicating that a minimum payment of {$XXXX} was due on XX/XX/XXXX. A payment of {$XXXX} was made on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity. I received the following message, " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' I was provided several payment options, including making a stay payment of {$XXXX} to prevent further collection activity. I made this payment of {$XXXX} and received the following confirmation, " This is a confirmation of your one-time payment authorization made on XX/XX/XXXX to Comenity Bank XXXX Please save a copy of this for your records. Comenity Bank will apply this payment to your Express Credit Card account and, pending final authorization from your bank, a single XXXX electronic debit in the amount of {$XXXX} will be deducted from your bank account on XX/XX/XXXX. It XXXX take XXXX additional business days to complete the funds transfer. '' However, on XX/XX/XXXX, I received an email from XXXX indicating that my Express Credit Card account had been charged off on XX/XX/XXXX, and sold to XXXX on XX/XX/XXXX ( a day after the payment authorization of XX/XX/XXXX for the stay payment of {$XXXX} ). On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity and again received the following message, " " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' My options were to make a past-due payment of {$XXXX} or the minimum due of {$XXXX} on XX/XX/XXXX. I scheduled a payment of {$XXXX} to be deducted from my bank account on XX/XX/XXXX. I closed my Express Credit Card account on XX/XX/XXXX, due to the economic impact of XXXX and the difficulties I encountered with obtaining account protection benefits through XXXX XXXX A previous complaint was filed with CFPB against Comenity ( XXXX ) and the Account XXXX program. Last XX/XX/XXXX, I again encountered difficulty making payments through the Comenity website due to technical issues on their end.
Consumer complaint received 2023-02-01
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. (PA)

-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, phone numbers, names are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- 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 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 The following name, address, phone number and employer is correct and should be reported : -- XXXX XXXX XXXX 
-- XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
-- ( XXXX ) XXXX -- XXXXXXXX XXXX
Consumer complaint received 2022-07-01
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: Medical Data Systems, Inc. (NV)

I received a certified mail was received on XX/XX/22 by MEDICAL DATA SYSTEMS INC requesting validation of debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to such medical record. In accordance with Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage XXXX number : XXXX is reporting a 30 day late payment in XX/XX/2022. My XX/XX/2022 payment was received on XX/XX/2022 so it is not 30 days late and should be removed right away as it is damaging my credit rating.
Consumer complaint received 2023-01-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I have an issue with the AmeriHome Mortgage Company XXXX # XXXX. I have a VA loan with them. This is not my first or only mortgage, but by far the worst customer experience. 

On XX/XX/XXXX, the bank made a {$8600.00} payment for my taxes that required an escrow advance from the bank of {$480.00}. My mortgage payment was immediately adjusted to {$2400.00} to make up the shortage. On XX/XX/XXXX, I made a {$700.00} escrow Only payment to cover the deficiency in the account. I called the bank on XX/XX/XXXX when I noticed the payment didn't register and my monthly payment amount wasn't adjusted down. I was told that a ticket was submitted and the amount would be adjusted. I was also told that this bank doesn't allow for extra payments towards escrow and that a refund would be issued if the amount was down. After a week I noticed nothing was changed. On Amerihomes website, there is a secure messaging center. Those persons were nothing short of rude. First message was XX/XX/XXXX, I got a response on XX/XX/XXXX First I was speaking to a XXXX XXXX - who when I attached screenshots in the secure message from their website I was messaging from. she accused me of using the wrong website ( which made no sense as you can only message in the secure center through their website ). I responded on XX/XX/XXXX, didn't hear back until XX/XX/XXXX. Then she said I didn't make a payment without even checking. When I called, they clearly saw the payment, when I informed her and sent a screenshot, she kept claiming to not see it. When I asked for a supervisor she sent me to a coworker on XX/XX/XXXX XXXX XXXX XXXX. This person was even worse asking for a screenshot in XXXX  XXXX. I refused and responded that it was ridiculous, the payment is on file and the customer service can see the payment. I sent this message the same day XX/XX/XXXX. I have now been passed to another representative in the same secure message XXXX XXXX who responded on XX/XX/XXXX and is stating that now she sees the {$700.00} payment on XXXX XX/XX/XXXX. The shortage was only {$480.00}. However now she is saying my escrow must be at {$1600.00} at all times. My payment in XXXX will put another {$720.00} in escrow. So there will be extra at the end. This is a constant back and forth and the information has been conflicting. When I called on XX/XX/XXXX I was told by a XXXX, that she fixed it and my amount is being adjusted. Now they are saying it is still short. That is incorrect and unreasonable. This bank has been unprofessional and nonresponsive for days. It is now over a month and this hasn't been rectified. Just want people to know what they are getting into and I want this resolved. No policies were provided at all. This is a VA loan, they can't just change things how they see fit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year>, Chase reported a XXXX decrease in my credit score, despite several positive changes in my credit profile. My available credit increased by {$12000.00} ( from $ XXXX to $ XXXX ), and my total balance decreased by {$12000.00}. My credit utilization rate also dropped from 10 % to 8 %, reflecting responsible credit management. Additionally, the age of my oldest account increased by one month, as did my average account age. 

Ive maintained an excellent payment history, consistently paying bills in advance, with no missed or late payments. This unwarranted score reduction appears to be an error by Chase, and by inaccurately lowering my credit score, Chase is unfairly impacting my financial standing.