davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The specific account in question is with XXXX XXXX, account number XXXX. My credit report inaccurately states that this account was " paid in full for less than full balance '' and includes the comment, " Completed investigation of FCRA dispute - consumer disagrees. '' I contacted XXXX XXXX, and we reached an agreement where I would pay a specified amount to formally close the account. Part of this agreement included XXXX XXXX 's commitment to remove the account from my credit report. However, despite fulfilling my end of the agreement, XXXX XXXX did not contact the credit bureaus to update or remove the account as promised even after contacting them severally. As a result, I initiated a dispute with Experian, and XXXX, to address the fact that I paid off the debt in full with XXXX XXXX as agreed and to request that the account be deleted from my credit report. 

Issues with the Dispute Resolution : Despite providing supporting documentation and a detailed explanation, Experian concluded the investigation adding negative comment. This outcome has left inaccurate and misleading information on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ) to have only accurate and fair information reported. 

Requested Action : I request that your office investigate this matter thoroughly and ensure that both the credit bureaus and XXXX XXXX comply with FCRA regulations by : Conducting a comprehensive and fair investigation into my dispute. Removing or correcting the inaccurate information from my credit report. Ensuring that I am promptly notified of the results of any investigations and the actions taken. Please consider this letter a formal complaint. I kindly request that you keep me informed of any actions taken by your office. If you require any further documentation or information, I am more than willing to provide it. Thank you for your attention to this matter. I look forward to a prompt and fair resolution. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute and report instances of identity theft related to a fraudulent bankruptcy filing appearing on my credit report. Upon reviewing my credit report, I discovered a bankruptcy record that I did not authorize or recognize. This letter serves as an official complaint and request for investigation into this unauthorized activity. 

Details of Identity Theft : Bankruptcy XXXX XXXX-Discharged Filed on XX/XX/2017 Reference number : XXXX -This filing has Nature of Dispute : Identity Theft/Bankruptcy Fraud -I did not file for bankruptcy, nor am I associated with the bankruptcy proceedings listed on my been fraudulently made using my personal information without my consent. 

I have already taken the necessary steps to report this instance of identity theft to law enforcement and have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ). Enclosed with this letter is a copy of the Identity Theft Report for your reference. 

I request that you conduct a thorough investigation into this fraudulent bankruptcy filing and take immediate action to remove it from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects only legitimate and authorized activities. 

Please provide written confirmation once this unauthorized bankruptcy filing has been removed from my credit report. I also request a free copy of my updated credit report for review.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

The bankruptcy currently listed on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The Bankruptcy XXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. XXXX XXXX : Bankruptcy XXXX XXXX XXXX.
Consumer complaint received 2024-09-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

I have the receipt for a {$60.00} vanilla gift card that once purchased was not any good. I couldn't use it at the gas station, I couldn't use it for anything! I couldn't buy anything on XXXX which is actually what I needed to use it for to buy supplies for my business that I can not purchase at a local merchant. I called vanilla XXXX weeks ago and they said they were going to issue me a refund check and it would be arriving by mail at the latest in XXXX weeks. Well XXXX weeks has come and gone. I called to check on it yesterday and was told that my ticket had been erased. Today when I call ( I have called every XXXX hours since XXXX a.m. this morning a total of XXXX times just today ) and once the agents hear my problem I am told that their system is down but it seems like it's working for any other problem. I just would like my refund I want my {$60.00} please. This is taking far too long and it was promised XXXX weeks ago.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

**Company Information : ** - **Company Name : ** XXXX XXXX Bank XXXX XXXX ) - **Account Number : ** XXXX - **Date of Report : ** XX/XX/year> **Description of Complaint : ** I am filing a formal complaint against XXXX due to multiple inaccuracies in their reporting regarding my account, which is now closed and charged off. Recently, on XX/XX/year>, XXXX reported that I am over my credit limit on this account, despite it being closed by the grantor. This misrepresentation has caused significant distress and confusion about my financial status. 

Additionally, XXXX has reported my account with an incorrect spelling of my name, which is a clear violation of my rights. This error can complicate identity verification and impact my interactions with other creditors. 

I have also disputed these inaccuracies with XXXX, noting over XXXX unauthorized soft pull inquiries made by XXXX without my consent. Such actions not only violate my privacy rights but also suggest a lack of diligence in their reporting processes. 

Moreover, XXXX has reported active payments on my account for the period of XX/XX/year> to XX/XX/year>, claiming that terms were met, despite my not making any transactions during that time. This reporting is not only inaccurate but misleading, as it implies that I have engaged in financial activity when I have not. 

According to IRS guidelines, even if I did not receive a tax form 1099-C, I am required to report canceled debt as income. This charge-off should be treated as income ; however, the way XXXX has reported this account is misleading and violates federal regulations. Per 15 USC 1681 S-2, they are prohibited from furnishing inaccurate information to consumer reporting agencies. 

In light of these issues, I am formally requesting that XXXX, XXXX, Equifax, XXXX XXXX XXXX  ( XXXX ) cant provide documentation verifying that these inquiries were authorized by me. Specifically, I request : 1. The name and employee number of the individual who authorized these inquiries during their initial investigation.

2. Documentation supporting the authorization, such as inquiry logs.

3. A signed application with my wet ink signature. 

If XXXX, XXXX, Equifax, XXXX XXXX XXXX  ( XXXX ) can not provide this documentation, I expect the inquiries to be removed immediately. 

**Impacts of Inaccuracies : ** - **Credit Damage** : My credit score has been adversely affected, making it difficult to secure loans or favorable interest rates. 
- **Emotional Distress** : The confusion and XXXX  caused by these inaccuracies have impacted my mental well-being and day-to-day life. 
- **Reputation Harm** : Misrepresentations have led to denied applications and a tarnished reputation with lenders.
Consumer complaint received 2024-10-22
Product: Credit 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: Affirm Holdings, Inc (CA)

Affirm Is engaging in fraud, theft and dishonesty. Affirm informed me that they contacted XXXX, and the store informed them that I made three purchases ; but affirm will not provide the order numbers for the purchases because they are being dishonest. 
I contacted XXXX on XX/XX/XXXX, because I knew they did not tell Affirm that I used Affirms virtual card and made three purchases. XXXX is a very reputable company, and they would not lie for Affirm. 
I made two purchases using card number XXXX XXXX XXXX XXXX. The following is the purchases, dates and order : XX/XX/XXXX, Order number XXXX XX/XX/XXXX, Order number XXXX The following is the details of those purchases : XX/XX/XXXX, Order number XXXX in the amount of {$720.00} which was returned ( attachment 1 ) and the following is the return receipt that I received from XXXX on XX/XX/XXXX : Return date XX/XX/XXXX, Return Order number XXXX ( attachment 2 ) The second purchase was made on : XX/XX/XXXX, Order number XXXX in the amount of {$670.00} for the range And {$290.00} for the microwave for a total amount of {$960.00}. 
Affirm Is engaging in FRAUD, THEFT AND DISHONESTY. When I made the first purchase on XX/XX/XXXX, I contacted Affirm and told them that I returned the purchase. The representative told me that I had to wait until the purchase was placed back on the card by XXXX before I could use the card again. XXXX return the money on XX/XX/XXXX, and I purchased XXXX number XXXX which was the range and the microwave and it only cost {$960.00} for both items. XXXX provided me with the return receipt ( attachment 2 ) and I want credit for my money. Affirm is trying to steal money from me because I do not owe them any money. Affirm overcharged me on interest for the items that I purchased. The interest should have only been on the amount of {$970.00}. Also, I should have been credited {$350.00}.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

XXXX XXXX was a previous loan processor ( home loan ). 
Prior to XXXX ; Previous mortgage processor ( XXXX XXXX ) stopped collecting for ALL escrow. 
XXXX XXXX stopped collecting Escrow, and I paid ( in time ) taxes/insurance AFTER I paid, XXXX funding paid ( 2nd? ) property tax w/o prompting. ( Unclear if this is true ) I continued to pay loan ( only ) w/ XXXX XXXX. 
XXXX funding sold loan to Shellpoint. 
I made several payments to Shellpoint. 
Shellpoint found XXXX XXXX 's error, and : XXXX. Billed me ON MY MORTGAGE the {$4000.00} ( as escrow ) XXXX. Billed me for current escrow. 
XXXX. Refused to " accept '' loan payment ( now late fees are applying ) Side notes : XXXX. XXXX / Shellpoint NEVER notified me that the property tax payment was made ( or even should have been made ) 2. Property tax payment by me was done " one time ''. 
XXXX. XXXX funding on the check stub paying me for the escrow balance - notified they were no longer covering ( collecting ) escrow. 
Note : These companies have been known to falsify documents when regulators are involved.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by XXXX, XXXX, and TransUnion. The incorrect information is as follows : Bankruptcy Filing Date : XX/XX/year> Bankruptcy Case Number : XXXX I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. 

This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from my credit reports with all three major bureaus.
Consumer complaint received 2024-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear Sir/ Madam, We sincerely appreciate you taking the time to address the difficult situation we are facing. This issue has troubled us for over a year without resolution. 
XX/XX/year>, I transferred {$8000.00} from XXXX XXXX XXXX  to my friend XXXX XXXX XXXX 's Bank of America account. Due to XXXX XXXX negligence, she provided the wrong account numberWrong Account Number : XXXX, ABA : XXXX. However, I correctly provided the recipient 's name as XXXX XXXX XXXX. The transfer showed that the funds were successfully credited on XX/XX/year>. Despite the discrepancy between the account holder 's name and the account number, the transaction was still processed. This is clearly non-compliant, as under normal circumstances, the bank should not process a transfer when the name and account number do not match. Both XXXX XXXX XXXX  and Bank of America allowed this incorrect transaction to go through. 
After XXXX XXXX and I discovered the issue, we each contacted our respective banks. I filed two REG. E Claims through XXXX XXXX XXXX  in XXXX and XX/XX/year>, requesting that Bank of America recall the funds. However, both requests were denied by Bank of America. XXXX XXXX also made several phone calls and had in-person meetings with Bank of America XXXX The staff admitted that the funds are held by Bank of America, but they refused to return them, providing no justification for their refusal. XXXX XXXX XXXX  claims that the responsibility lies with Bank of America and has shirked responsibility, leaving the customer to deal with the matter. 
However, the indifference and lack of action by Bank of America to protect the customer 's rights is unacceptable. Banks are merely custodians of people 's money and should not be entitled to keep it. The United States is a country with a well-established legal system, and such things should not happen. 
We respectfully request that regulatory authorities investigate the situation and help us recover our rightful funds.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Account Name XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Limit {$29000.00}, showing 87 % credit usage, opened XXXX XXXX XXXX. This Account should reflect on my Business Credit Report not my Personal Credit Report. 15U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I demand Experian reporting agency to remove XXXX XXXX from my consumer report due to XXXX already removing this account from my report! According to the FCRA if one reporting agency removes or corrects inaccurate disputed information the others are expected to follow! 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) This section states : a credit reporting agency must promptly delete or modify and XXXX found this information to be inaccurate and unverifiable and deleted the account Law is attached below!
Consumer complaint received 2024-09-27
Product: Credit reporting 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 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
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I, XXXX XXXX, opened an account on XX/XX/XXXX ( Account # : XXXX ) with XXXX XXXXXXXX XXXX I defaulted on this account, but later paid it in full after it went to charge off status. I am still disputing this account to be deleted from my credit report because there are multiple violations and inaccuracies, which violates multiple rights of mine. This account has hindered me from acquiring stable housing for me and my child, as well as a satisfactory quality of life for us. I would like for the credit bureaus to remove this account from all of my credit profiles due to the multiple pieces of wrong information and violations I have found. I have reached out to the creditor directly and they continuously urge me to reach out the the bureaus to have this removed, which I have done as well on XX/XX/XXXX. Please see attached the letter I have sent to the creditor and he credit bureaus. I am reaching out to the CFPB because I have received the run around from them for some time regarding this account and if they are not held accountable for violating my rights and reporting multiple inaccuracies, I will be taking them to court. 

Thank you so much for your time
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

( XXXX XXXX - XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 3 ) personal credit card accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account number ( XXXX ). An auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Personal loan accounts opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX opened XXXX XXXXXXXX XXXX XXXX under the account number ( XXXX ) and ( XXXX ) collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of ( {$1200.00} ) that appears related to an account opened at XXXX XXXX and XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of ( {$1100.00} ) appears related to XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of ( 2 ) FTC Identity Theft Criminal Complaint # ( XXXX ) & # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained this results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. Below is the account that I am disputing : XXXX XXXX XXXX XXXX.