davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (IL)

Chase credit card dispute in the amount of {$2400.00}. I disputed XXXX XXXXXXXX / XXXX XXXX charges with Chase dispute department that took place over a few days in XXXX XXXX I am disputing these charges as I cancelled in the proper timeframe and should be fully refunded. Chase dispute department did not perform a full investigation which would include recorded conversations with the XXXX XXXX XXXX XXXX They also failed to provide dates and times on the attached documents they sent me ( attached for your review ). 

When I spoke with an XXXX agent ( XXXX - XX/XX/XXXX ) at XXXX he told me the following : Case XXXX XXXXXXXX {$2400.00} this amount was refunded Date of travel for this case is XXXX XXXX XXXX Case XXXX XXXXXXXX {$1700.00} This is still pending in Accounting department of XXXX. No one was able to provide any update on this for me. 

When I spoke with Chase and asked what is the difference between Transaction Amount and Merchant Amount they weren't able to explain to me why there is a difference in amount. The case numbers that are in the attached - mailed by Chase do not match the case numbers that I noted above after speaking directly with XXXX XX/XX/XXXX. I am requesting the CFPBs assistance in recovering {$2400.00} owed based on my credit card statement. It seems XXXX charged me more than what XXXX charged. 

Thank you for your assistance! 
XXXX
Consumer complaint received 2024-10-09
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/year>
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was trying ti make a purchase and was made aware that my identity was stolen. I reached out to all the companies and they removed all the fraud information. This is the only company that said it wad not fraud I sent over all the information that was requested plus more. I sent them over a investigation validation letter and still have not heard anything back. I hope no one ever has fraud with XXXX they will not help you with the matter they want you to pay for something that does not belong to you.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax has repeatedly failed to correct inaccurate information on my credit report despite multiple attempts on my part. I have provided my drivers license as evidence to verify my correct name, yet Equifax continues to allow an inaccurate name to remain on my report. Despite my repeated requests and clear proof of the correct information, they have not updated my report, causing ongoing issues with my credit profile. I am seeking your assistance to resolve this matter and ensure that Equifax corrects this error promptly.
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXXXXXX. Please update ASAP.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS, INC refuses to provide sufficient proof of the debt in which they state is owed for mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) Under complaint XXXX SPS states they are unable to provide an amortization schedule. SPS, Inc also states that they provided transaction history from the previous serviced XXXX XXXX. The documents enclosed by SPS, Inc from XXXX XXXX XXXX under complaint response XXXX do not detail the terms of the modification, nor a breakdown of how the modification accounting was determined. No amortization schedule was enclosed with the mortgage loan modifictions. Under the Fair Credit Reporting Act, the debtor shall provide sufficient evidence that the debt is owed by validation as well as a full accounting of debt to justify the amount the debtor claims is owed by debtee. 
All of the mortgage services before SPS, Inc and including SPS, Inc are in violation of The Truth in Lending Act ( TILA ) of 1968 -It requires disclosures about the terms and cost of loans to standardize how borrowing costs are calculated and disclosed.

All services are also in violation of US Code 1681-1681y section 623 ( a ) ( 2 ) of the federal fair credit reporting act.

SPS, Inc is in violation of Fair Credit Reporting Act 15 USC 1681s-2 section 623 ( a ) ( 2 ).

All information provided by SPS Inc regarding the mortgage loan XXXX is based on insufficient evidence. The amount in which the debtor states is owed has not been validated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$6000.00}
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (GA)

I've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$8900.00}.
Consumer complaint received 2023-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you,
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct violation of the Fair Credit Reporting Act XXXX & XXXX Last XXXX XXXX XXXX, XXXX  {$120.00} Open balance XXXX XXXX  Original creditor XXXX XXXX XXXX  Last reported XXXX XXXX, XXXX  {$4400.00} Open balance XXXXXXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A.Clearly 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, 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 Please remove these accounts and address off my report immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

I had a prior CFPB complaint that was closed out unsatisfactorily. My account was been changed from a Team Member account to an Everyday Checking account while I am still receiving Wells Fargo direct deposits. My account still shows as a Team Member checking in the system. I am being accessed charges according to an Everyday Checking account but it is still a Team Member account. Please reopen this complaint. I am not satisfied with the research that Wells Fargo completed regarding the matter. It took a month for no resolution. CFPB guidelines require a response within 10 business days.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

This is my fourth attempt. My next step is to hire. Frca attorney, the law is for all medical bills under XXXX be remove from consumers credit report. It clearly stated on Equifax website. Remove all medical bills off my credit report immediately. 

The law. 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2023, XX/XX/2023 I requested the credit bureaus to investigate every piece of information on my credit report. Below is the enclosed listed accounts. Attached is a copy of my tracking number #. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still, not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

XXXX XXXX showing XXXX XXXXXXXX XXXX credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PR XXXX XXXX XXXX mailed me an automated letter saying the account was investigated. I request proof and mechanism of investigation this account does not belkng to me and it is no even on my XXXX repott Please have XXXX investigated withing 30 days and proceed with removal of the account. 
Account XXXX XXXX 120 days late Account never late it was paid please make it current never late XXXX XXXX XXXX  XXXX 120 days late Account never late please make it current
Consumer complaint received 2024-10-14
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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. (MD)

o Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 3. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The Late Payment Status is incorrect. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Validate inaccurate/reported late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Validate inaccurate/reported late payments. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 reports no consent is fraud.
Consumer complaint received 2023-05-09
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. (MD)

I sent the following letter into Transunion on XX/XX/2023 After reviewing my credit report, I have noticed that a collection account was added to my credit file. This account does not belong to me and I would like to request that it be removed from my credit report. 

The account in question is listed as XXXX XXXX XXXX  Account Number XXXX, which has been listed as a delinquent debt on my credit report. However, I have never opened an account with this company, nor have I received any correspondence from them regarding this debt. I believe this account has been erroneously added to my credit report, and I request that it be removed immediately. 

In accordance with the Fair Credit Reporting Act, I am entitled to dispute any inaccurate information on my credit report. I have attached copies of my drivers license for verification of identity. 

I would appreciate your prompt attention to this matter and a prompt resolution of the dispute. I understand that you have 30 days to investigate the dispute and provide me with a written response.