davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX  XXXX ] [ XXXX XXXX Ca XXXX ] [ XXXX ] [ XXXX Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report. This letter is in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Bureau Regulation, 12 CFR 1006.34 ( b ) ( 5 ). 

I have identified the following charge-offs reported by XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that I believe to be inaccurate or incomplete : Account Number : XXXX Date of Charge-Off : XXXX Amount : XXXX Basis for Dispute : 1. Inaccuracy of Information ( FCRA, 15 U.S.C. 1681i ) : According to the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The charge-off information reported by XXXX XXXX XXXX is inaccurate/incomplete due to [ specific reason, e.g., incorrect balance, dates, or duplicate entries ]. 
2. Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Under the Consumer Financial Protection Bureau Regulation, creditors are required to provide accurate and complete information when reporting debts. I request that XXXX XXXX XXXX verify the debt and provide me with all documentation regarding the alleged debt, including but not limited to, the original signed agreement and a detailed payment history. 

Action Requested : I request that the credit bureau investigate this matter and remove the inaccurate charge-off entries from my credit report. If the investigation shows that the disputed information is indeed inaccurate or incomplete, please delete or correct the information accordingly. 

Enclosed, please find copies of relevant documents supporting my dispute, including [ list of enclosed documents, e.g., payment records, correspondence with XXXX XXXX XXXX, etc. ]. Please conduct your investigation and update my credit report to reflect accurate and complete information. 

I expect to hear from you within 30 days, as required by the Fair Credit Reporting Act. If you need any additional information from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] Make sure to include copies of any relevant documents and send the letter via certified mail to ensure it is received and documented.
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

Money was removed from my account, seemingly through Cashapp. I have not been able to contact anyone regarding this issue. The first transaction was XX/XX/2020 transaction # : XXXX And the most recent transaction was XX/XX/2020 transaction # : XXXX A total of {$660.00} was taken from my account.
Consumer complaint received 2024-07-25
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. (GA)

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2019-07-20
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. (MN)

The following collection accounts that are currently listed on my Trans Union, XXXX and XXXX  credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my accounts.
Consumer complaint received 2024-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC. (FL)

I am following up on my prior closed complaint with XXXX by addressing my concerns with my previous mortgage holder, Guaranteed Rate. The issue stems from a significant oversight regarding flood insurance coverage on my property in XXXX, which has resulted in financial repercussions for me. 

As a XXXX individual on Social Security XXXX for many years, I had diligently managed my mortgage with Guaranteed Rate until it was transferred to XXXX XXXX in XXXX XXXX Despite maintaining an escrow account to cover taxes, homeowners, and flood insurance, I was unaware of a lapse in flood coverage until notified by XXXX in XXXX, XXXX. This notification came with the requirement to purchase supplemental insurance or accept a XXXX policy due to insufficient coverage. 

Upon investigating, XXXX informed me that Guaranteed Rate had ceased payment on my flood insurance premium after initiating it in XX/XX/XXXX, just before the mortgage transfer. This negligence led to a loss of my grandfathered insurance rate and substantial financial burden, forcing me to opt for XXXX insurance on a fixed income. 

In response to my inquiry, Guaranteed Rate stated that they stopped payment on the insurance premium upon the mortgage transfer, citing procedural reasons without prior notification to me. This action has directly impacted my monthly mortgage payments and insurance costs, pushing my budget beyond sustainable limits.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It happens today XXXX with Trans union credit Kindly request to removal hard inquiries that I did not authorize and the customer representative was rude and not proactive.
Consumer complaint received 2020-05-15
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. (PA)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE ITEMS DISPUTED AS WELL PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2020-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing, Inc. ( SPS ) services mortgage holder XXXX XXXX XXXX XXXX   ( a Delaware statutory trust ) will not provide forbearance without a balloon payment at end and that is not going to help me. My Wife has and currently care taking her now deceased mother and can only work several hours remotely, thus our combined income is severely lessened. As a business owner impacted by the XXXX we are dependent upon my business to make expenses and stay liquid. 

Please Help XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (NH)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have reached out to XXXX and equifax about this issue 3 times now. 

XXXX XXXXk is reporting incorrect information on my credit report. I have asked the credit bureaus 3 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect. 
Acct Type-Detail Date Opened High Credit Balance Credit Limit Past Due Date Last Active Date of Last Payment I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.
Consumer complaint received 2024-07-25
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. (AZ)

To whom it may concern, On XX/XX/year>. I filed a report after noticing fraudulent accounts on my consumer report. Today XX/XX/year> more fraud accounts have been noticed. Please delete immediately as I am not liable for them nor do I recognize these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This accounts were opennes without the proper verification as it is hurting my good name.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (IN)

Fraudulent inquiry from XXXX XXXXXXXX XXXX, XX/XX/XXXX & XX/XX/XXXX I was a victim of identity theft someone got a student loan in my name. Its showing on my XXXX. Ive contacted all the credit bureau plus ED financial. They have not given me any proof or removed it .Can someone handle this matter in a timely manner, Im actually trying to purchase a mortgage. Im also filing a complaint on XXXX XXXX, XX/XX/XXXX a late payment was placed on my account due to their system error, my balance was paid in full, but the credit companies need to update their systems. I am a victim of identity theft XXXX and XXXX during XXXX Also, my cards were hacked. I had to pay money back
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

Dear CFPB My Discover Credit Card Was Closed for no Reason. I got letter that they closed my account by reviewing my account i found no evidence i have done anything wrong. 

I called and was not informed any factual and accurate reason why my account was closed. Only think i can assume that they might think i purchased jewelry which description is coin so the assume its bitcoin which is not. I purchased jewelry not bitcoin .All they could do to verify that its not Bitcoin they could brows internet only 1 minute and discover its not Bitcoin its regular jewelry shop. 


I have attached for your review my last 3 months statements so you can verify and see i have done anything wrong. 

I also attached their letter which doesn't explain or give reason why my account was closed Please see attached also letter of legal complaint.
Consumer complaint received 2019-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I had credit card from Bank of America which i have paid fully already long time ago but this account is not being deleted from my credit reports, i kindly ask BoFA memebrs to remove this account from all credit reporting agencies. 

Account number is XXXX
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

Please know that I was not late on the mentioned accounts here.. I wonder why credit bureaus report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FI XXXX, XXXX FI XXXX, XXXX FI XXXX
Consumer complaint received 2019-05-31
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX  ) XXXX,
Consumer complaint received 2020-05-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My Child support account was paid in full in XX/XX/XXXX and closed. 
I paid 100 percent of the payments on time. 
There is no data on my report from XX/XX/XXXX-XX/XX/XXXX. 
This account has been paid in full and closed for that period of time. 
In XX/XX/XXXX a monthly report showed a collection account or charge off. 
I believe in XXXX after my account was closed somehow I got dinged for missing a payment Experian has proof from XX/XX/XXXX child support I sent to them to prove everything I said. 
Experian told me XXXX refuses to correct the issue on my account XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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)

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
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: Experian Information Solutions Inc. (MA)

I can't find the contact for Experian/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through Experian, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX/XXXX/2019 -- Capital One reports massive data breach XXXX/XXXX/2019 -- Capital One unilaterally changes online access to customer credit card log in by requiring dual-factor authentication ( 2FA ) user MOBILE PHONE NUMBER ONLY. Capital One does not permit its customers to use 2FA log in using 2FA apps ( e.g., XXXX authenticator, XXXX authenticator, etc. ). Nor does Capital One have the capability to send a temp code by email for 2FA. 

Why would I give Capital One my mobile phone number when the company just lost XXXX XXXX user data in a breach caused by the company 's gross negligence? 

Result : Based on Capital One 's unilateral change in its service terms and its imposition of a requirement to use an antiquated, insecure 2FA procedure, I can no longer log in online, nor make payments online, thereby causing me to waste time dealing with this company. 

Remedy requested : Require Capital One to offer 2FA options using : 1 ) email and 2 ) widely-available 2FA apps ( that I ( and many others ) use to log in to a wide variety of accounts ).
Consumer complaint received 2019-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

In XXXX of this year I noticed a collection account on my credit file. I contacted National Credit Systems in XXXX, Ga this company was listed on my credit file. I spoke with a supervisor. I explained to the Collection Agency that the reporting was inaccurate and I had no knowledge of the original creditor. I ask that she forward over the contract and a copy of the license on file. She was very rude. I called several times to speak back with a different Supervisor from the one that hung up the phone on me. I believe her name was Mrs. XXXX.On XXXX the XXXX I called the collection agency again because I had not received any information ( contract with my signature ) from them. I called the original creditor and they seem to have went out of business seems to me this whole situation is fraudulent. The original creditor has no known address or phone number. This collection agency is breaking the law by placing fraudulent activities on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My accounts with XXXXXXXX XXXX XXXX AND XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports