davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
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. (NY)

I sent a letter dated XX/XX/2021, disputing an account that I noticed on my credit report for XXXX XXXX XXXX XXXX in the letter I request that they provide me with verifiable proof that this account in question belongs to me. and I also provided a copy of a Police report, a copy of the FTC report, and a sign and notarized affidavit. 
XXXX XXXX sent me a letter dated XX/XX/2021, Stating their account history. they also acknowledge the fact that I requested proof the said account belongs to me but intentionally omit such proof from their letter. they also ignored the contents of the letter and are requesting that I fill out and and sign another affidavit and any supporting documents I may have. 

I'm my opinion, I see this as blatant disrespect of the law and my time and money that it cost me to mail such letters.
Consumer complaint received 2021-11-09
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On the night of XX/XX/XXXX I paid the full balance of {$190.00} on my CapitalOne credit card. I put the card up and did not use it because I am in the middle of buying a house. 
I did not receive any bank statements for the month of XXXX, XXXX, or XXXX but didn't think anything of it because like I said, the balance was paid in full and I had not used it. 
I found out through my loan originator that I have a past due payment showing on my credit report. 
I checked CapitalOne and saw that after I paid my balance in full on the night of the XXXX they posted a charge for {$3.00}. It was a charge from XX/XX/XXXX. 
I spoke to them and they waived the fee 's but that is not good enough, they will not remove the late payments from my account and take them off of my credit report. 
I am signed up to receive stuff in the mail and did not receive anything until the month of XXXX, which was showing me I owed {$24.00} because of the late fee 's that were racked up over the course of the 3 months that I did not receive a statement. 
I have spoken with numerous agents and supervisors and they are not resolving this problem that they have created.
Consumer complaint received 2021-11-10
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: DISCOVER BANK (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the DISCOVER FIN SVCS LLC account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2021-11-09
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( Fair Collections Outsourcing ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (TX)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Account Number : XXXX Delete this account.
Consumer complaint received 2024-08-17
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-17
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 am in the process of purchasing the house with that being said the realtor notice there were derogatory account listed on my report. I am not aware of any negative accounts because Ive never been late on any bills. Ive always paid all bills on time. For some reason the accounts and inquires listed in the file below werent authorized by me. I am demanding removal for this is destroying my character and my credit report.
Consumer complaint received 2023-09-25
Product: Credit reporting 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. (GA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (FL)

I was affected by Hurricane Ian severely. It has been 7 months, I need a roof and many other repairs to my home. XXXX XXXX would not pay for all the repairs so I agreed to a settlement amount and they sent me a check. Movement Mortgage is holding the check that I overnighted on XX/XX/23 for them to endorse so I can fix my home ( especially the roof before rainy season is here! ) Movement Mortgage refuses to release the check stating they need itemized statement from XXXX XXXX and the Public Adjuster I had to hire. I have been advised we do not have that in this case due to the settlement amount. I call daily and today I missed work and have called all day and still no help! Everyone says something different is the issue. I can not speak to a supervisor and literally have spent all day on the phone with nothing accomplished, just more excuses. Can you please help me get the check released so I can finally repair my home damage?
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc. (FL)

I invest in Crypto.com. 
I bought a coin named Loopring ( LRC ) The value of the coin moved up and to XXXX $ Then I decided to sell XXXX of my total coins. 
When I finish the transaction Crypto.com only paid for the transaction XXXX per coin. 
This is a big discrepancy. 
I contacted them, and show them a screenshot of their own chart. 
They say that what is shown in the charts is only for reference in their app. 
I also told them I double checked with other exchanges, and I use trading view at the time of the transaction. 
And all of these point out to the my expected price.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (TX)

Opened a new US Bank Payment Solutions account and failed to receive {$600.00} bonus Approved XX/XX/2023 - Merchant ID ( MID ) : XXXX - XXXX Successfully completing the following terms : U.S. Bank is offering a {$600.00} bonus when you open a new U.S. Bank Payment Solutions Merchant Account by XX/XX/2023 and accept and settle a payment transaction within 60 days. 

First, complete an application for a U.S. Bank Payment Solutions account. 
Then, accept and settle a payment transaction into your qualified U.S. Bank business checking account within 60 days of the opening date of your payment solutions account. 
The new U.S. Bank Business Checking account must be open and have a positive balance for the Payment Solutions bonus to be deposited into the account ( within 45 days of settlement verification ). 

Settled in account ending in XXXX : XX/XX/2023 US Bank Business Center will not respond to emails or phone calls.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I attempted to schedule an external transfer from my Chase Business Complete checking account into my XXXX XXXX checking account. The payment was reversed when the balance was sufficient. It was reversed due to Chase, not due to XXXX XXXX, because they could not verify my transfer. It was my own money, and Im not sure what more verification is needed. I didnt get a text, email, etc, and the payment was just returned to Chase . I have since fixed this issue. However, due to Chase not verifying my information properly, I received 4x {$35.00} overdraft fees on my XXXX XXXX account. This is not XXXX XXXX issue, and it is Chases for not properly allowing the transaction to go through.
Consumer complaint received 2024-08-17
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. (TX)

I am writing to formally dispute the inaccurate information that has been reported on my credit report by XXXX. Specifically, I am disputing the reporting of my personal transactions which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

1. Violation of FCRA Reporting of Personal Transaction Information Under **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) **, credit furnishers are required to report accurate and relevant information to the credit bureaus. Personal transaction details are not intended to be reported to the credit bureaus, and the inclusion of such information is a clear violation of the FCRA. This unauthorized sharing of my personal transaction information with credit bureaus infringes on my privacy and does not adhere to the standards set forth by federal law.
Consumer complaint received 2024-08-17
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)

XXXXXXXX XXXX XXXX XXXX XXXX # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC (CA)

I called Morgan Stanley Private Bank, formerly Etrade Bank, to ask about a joint checking account held by my wife and I. I mentioned that we are going through a separation and I wanted to know what the procedure was to remove her from the joint account. I was told that because I told the customer service agent that my wife and I were separating, the checking account was to be immediately frozen and neither of us would have access to the checking account. This account is the main account that I receive pay from my employer and pay bills through autopay and everyday expenses. My wife is aware of this account and the funds and what the funds are used for. Freezing this account puts both of us in a serious bind due to the fact this account is used to pay mortgage, loans and utilities. The customer service agent explained that I would have to open a new checking account, get a signed letter from myself and my wife saying that both of are aware this joint account is being closed and the funds would be moved to the new checking account. A signed letter from my wife and I along with copies of our drivers license was uploaded on to the banks website. At this time I am still not sure if the letter and copies of drivers license will suffice to regain access to the funds in the frozen account. My complaint lies with the freezing of the account with only a question as to how to remove a person from a joint account. The bank did not verify with my wife as to the validity of the marriage separation. No legal document was provided or asked for as to the validity of the marriage separation. I only asked a question and now I am scrambling to regain my funds and pay my obligations.
Consumer complaint received 2024-08-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX  and # XXXX, XXXX XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after XX/XX/2019 from date I filed. Remove late payments and charge off comment, against federal law what your reporting on these payment historys and comments. XXXX XXXX credit card as paid in full and Experian reporting late payments this year. Remove the payment history.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I disputed my personal information with Equifax on XXXX. I also followed up with more requests to correct my personal information. The following credit files are not mine and need to be removed immediately. I've been offered no corrections to this fictitious information that they have on my report. I don't believe that they are following the law. I want the false information removed as soon as possible. This information is spoiling my credit worthyness. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX  XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2024-08-17
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. (NY)

Hello my name is XXXX XXXX and im writing this letter because i have noticed this problem on my credit report in XXXX XXXX i am writing to delete the following items in my file. The items i need to be deleted are listed below in the report. I was hoping you can delete the items thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. i ask that the items be deleted to correct my credit report.I Reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

" 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-02
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-02
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. (NV)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my Experian and XXXX is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX bank credit accounts