davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (FL)

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
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: Experian Information Solutions Inc. (GA)

I had no idea XXXX cell phone account through XXXX that was opened in my name in XXXX of 2022. I've have phone service through tmobile for several years. I found out about the fraudulent account by logging into my xfinity account to pay my cable bill XXXX day and saw the cell phone account had 3 months worth of history on it. I have also tried to get in touch with XXXX representatives to inform I am getting someone else 's bill to my email that is not mine. I am not sure if this is affiliated. However, this is affecting my credit report.
Consumer complaint received 2023-08-13
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: AMERICAN EXPRESS COMPANY (HI)

On XX/XX/2023 I called American Express and talked with XXXX and XXXX. XXXX said I can not dispute the charges because " the attempt to cancel was made post the charge submission date. '' XXXX said that American Express mailed me the letter saying that one of my ongoing disputes was canceled on XX/XX/2023 to my business address. Then I told her that more than likely it was the date of the letter. 

Then XXXX said that it was emailed to me on XX/XX/2023. I asked her what email address, and she said she can not say my email address because of company policy. I have many email addresses, so the fact that American Express can not mail me a letter regarding a dispute is not good. 

XXXX read the resolution letter to me, which was from American Express Customer Service. 

She was unable to complete any of my disputes for various reasons. 

I don't know why American Express makes it so hard for me to make a dispute. 

I think they just don't want to lose money, even though I did not make these charges, or contacted the companies numerous times to cancel, yet they still charge my account.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-08-13
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. (MD)

BANKRUPTCY REPORTING DISPUTE I would like to bring to your attention an erroneous bankruptcy reporting on my consumer report. On XX/XX/2023 I requested Equifax to conduct an investigation on a bankruptcy reporting on my consumer report. I asked equifax if they found inaccurate information to remove the information reporting. Upon further investigation on my behalf I have found the adverse information of a bankruptcy can not be validated by XXXX XXXX. The document presented in this complaint shows equifax using this information of a bankruptcy that can not be validated by XXXX XXXX dated XX/XX/2023 On XX/XX/2023 XXXX advised Equifax that the bankruptcy reporting could not be validated upon the final investigation. I was under the impression that this error would be corrected promptly. 

However, it has come to my attention that an appropriate investigation has not been conducted on the behalf of Equifax and the bankruptcy reporting still remains on my credit report. This is a violation of my Fair Credit Reporting Act ( FCRA ) rights under code U.S.C. {$15.00} 1681.

I kindly request that Equifax immediately remove the bankruptcy reporting from my credit report immediately. Failure to do so will continue to harm my credit standing and may result in further legal action on my part to rectify this issue. 

Thank you for your prompt attention to these matters. I look forward to your immediate action to rectify the situation. 


1. Copy of Driver 's License 2. Equifax credit report showing the validity from XXXX XXXX. 
3. Copy of Social Security Card 4. Recent XXXX  Utility Bill 5. Letter from bankruptcy court 6. Letter from XXXX XXXX of bankruptcy not validated
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I did not authorize for capital one to pull my information and report inaccurate activity to my credit report. Please remove this inaccurate information because it is a violation of my rights and was not authorized!
Consumer complaint received 2024-10-10
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. (GA)

Please remove this information from my credit report within XXXX business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that contain inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ). I kindly request the immediate removal of these items from my credit report. 

1. XXXX XXXX Bankruptcy Case Number : XXXX Violation : Inaccurate Information To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 
2. Unauthorized Credit Inquiry by XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry I have no recollection of authorizing this credit pull and I demand this to be removed. 
3. Questionable Account Information - XXXX Account Number : XXXX Violation : Inaccurate Information This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
4. Questionable Account Information - XXXX XXXX Account Number : XXXX Violation : Inaccurate Information This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
5. Unauthorized Credit Inquiry by XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry I have no recollection of authorizing this credit pull and I demand this to be removed. 
6. Unauthorized Credit Inquiry by XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry I have no recollection of authorizing this credit pull and I demand this to be removed. 
7. Questionable Account Information - XXXX XXXX  Account Number : XXXX Violation : Inaccurate Information Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 
These inaccuracies and unauthorized inquiries have had a detrimental impact on my credit score and my ability to secure financial opportunities. I kindly request a thorough investigation into these matters and prompt action to correct these inaccuracies as required by the FCRA. 

I understand that under the FCRA, you have 30 days to investigate and respond to my dispute. I look forward to a swift resolution and the removal of these erroneous items from my credit report. 

Thank you for your attention to this matter, and I appreciate your assistance in rectifying these discrepancies. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (TN)

I was in the past and continuesly charged from different companies different amounts which cause me to overdraft several times I have called in and reported them as fraudulent on a couple of occasions I was just ignored XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (PA)

I am writing because I have noticed a variety of fraudulent accounts and fraudulent charges reported on my credit. I am a victim of identity theft and need these accounts and charges deleted to correct my credit report. I have reported the identity theft as well as the fraudulent charges and accounts that were found on my credit report to the Federal Trade Commissions Identity Theft Affidavit. Please have the following charges and accounts removed as soon as possible.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by creditors and the significant adverse impact it has had on my life. I kindly request your intervention to enforce my legal rights and seek the removal of unverified accounts from my credit report. 

Violations of the FCRA : Unauthorized Credit Inquiry by XXXX  : Section 604 ( a ) ( 3 ) ( B ) of the FCRA On XX/XX/XXXX, XXXX  conducted an unauthorized credit inquiry without my consent, violating Section 604 ( a ) ( 3 ) ( B ) of the FCRA. This unauthorized inquiry has had a lasting impact on my financial well-being. 
Personal Impact : Allow me to share the emotional toll these violations have taken on my life. The unauthorized inquiry by XXXX has been nothing short of devastating. I vividly remember that day as a turning point in my life. I had been diligently working to rebuild my credit and secure a brighter financial future for my family. That credit inquiry not only shook my financial stability but also took a toll on my mental and emotional well-being. 

In the wake of this unauthorized inquiry, my credit score plummeted, and I found it increasingly challenging to secure favorable terms for loans, mortgages, and even credit cards. It has caused undue stress and anxiety, affecting my sleep and overall quality of life. The dreams I had for my family, such as buying a home or financing my children 's education, have become distant and unattainable goals. 

Request for Resolution : I am kindly requesting the following actions : Enforcement of my legal rights under the FCRA against XXXX for the unauthorized credit inquiry. 
Immediate removal of the unauthorized inquiry and any associated negative marks from my credit report. 
I implore the CFPB to use its authority to ensure that creditors comply with the FCRA and respect consumers ' rights. The impact of these violations extends beyond mere financial inconvenience ; it has profoundly affected my life and my family 's future. 

I am ready and willing to provide any additional information or documentation required to support my case. I kindly request a thorough investigation and a timely resolution of this matter. 

Thank you for your attention to this serious issue. I look forward to a swift and just resolution that will help me regain control of my financial future and peace of mind. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm reaching out independently regarding an issue with my credit record. I've noticed late payments listed, and despite my efforts to address this with letters sent over a month ago, I've yet to receive a response or satisfactory validation. I would appreciate your support in rectifying this situation.
Consumer complaint received 2023-08-14
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)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Reported BALANCE {$260.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/2023 I took advantage of an offer from my credit card with Chase Visa, called My Chase Plan. This took a large purchase of mine from XXXX in the amount of {$580.00} and broke it into a payment plan of {$32.00} over 18 months, which I accepted. My obligation was to pay the " Interest Savings Balance '' each month, which I complied with. However, because of the way Chase deceptively handles its bookkeeping on various transactions, money was funneled from other credits or purchase cancellations on my Visa account into paying off my payment plan in two months. In essence : Chase took money due back to me on my Visa account and without my authority, paid off My Chase Plan. This left me in a far worse situation in the months following because I had incredibly large purchases in XXXX and XXXX. My Chase Plan is a deceptive marketing ploy that has left me financially worse off than I would have been without it.
Consumer complaint received 2023-08-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CO)

The mortgage ( Planet Home Lending ) company forgot to pay our first tax bill causing that one to be delayed. And then they didn't catch up on our second tax bill, so then our second one for this year was delayed and we were charged interest. Additionally On the escrow accounting they made us pay from our escrow that interest due to the error they made. We have been delinquent in our taxes our entire first year of home ownership, However, we have been paying the monthly payments according to our bill the entire time as agreed. I am current on my payments. Apparently, they messed up their accounting, according to a letter they sent me and now they say I need to pay them even more money to get on track. How can I owe them even more money due to their error? I checked my escrow account there was more than enough money to cover the latest payment and a balance in there. I can't speak with anyone physically at this company. I feel like something shady is going on. I gave them all my money into Escrow trusting they would pay the taxes as agreed and they have yet to make a single payment on time. Also they are now saying some surplus check they sent us in error months ago we have to give them MORE money to fix it? However, our tax bill is already paid now, which is great but none of these bills make sense. They need to be investigated under violations of RESPA. I am asking for your help because not a single human has returned our multiple calls. All I have gotten are letters and not a single human has called me or my husband to explain. We've called numerous times and requested phone calls back and no one has called or attempted to call either of us back. What are we supposed to do when we are paying as agreed and they keep paying our taxes and other bills late and messing the accounting up on our escrow. Please help us. This can't be legal whatever is going on here.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXXDEPT OF ED Account number:XXXX  Account name : XXXX/DEPT OF ED Account numberXXXX Account name : US DEPARTMENT OF EDU Account number:XXXX  15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years. 


15 USC 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 in information is inaccurate.