davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit

h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of
my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I submitted a dispute for unauthorized charges on my card by a merchant. I reached out to the merchant and proved that the charges were unauthorized. They keep declining my claims over and over when its clearly unauthorized. Its upsetting the lack of investigation when evidence is provided. No one wants to lose their hard earned money like that.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, we deposited a Dept of Treasury federal student loan refund payment for {$44000.00} remotely. The account then showed it was on hold for 10 days or until XX/XX/XXXX to clear the payment. Chase Bank has no other process apart from contacting the Department of Treasury to confirm the check is legitimate. I have confirmed the check is legitimate by using the XXXX and contacting my student loan servicer XXXX that the check is in fact legitimate. I have spoken to over a dozen people at Chase and have received a different response each time. As of XX/XX/XXXX, I am late on my rent payment for XXXX, I have three automatic charges that typically go through on XX/XX/XXXX, I can not use my money that I have in my account besides the amount of the check that shows has cleared. They have stated this issue can take up to 2 to 3 years. I can't use the money I have in my account to buy groceries. There is no work around with Chase. It is clear they are unsure of the process and continuously blame the Federal Government for the issue. I need the money in my account for Rent, groceries, mortgage and all the necessities. The last conversation was they will close the account and process a check for the payment.
Consumer complaint received 2020-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
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 (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-10-12
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: LEXISNEXIS (MA)

I am writing to file a formal complaint against XXXX and LexisNexis regarding their mishandling of a dispute and failure to authenticate my identity, as shown in the attached documents. 

# # # XXXX  : Inaccurate Public Record Reporting On XX/XX/year>, XXXX generated a report ( Report Number : XXXX ) that includes a public record ( Reference # XXXX ) of a bankruptcy allegedly filed in the Massachusetts XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). However, despite a formal dispute I submitted, XXXX refused to delete or amend the inaccurate information. They confirmed that the item would remain on my report, citing that the company reporting this information certified its accuracy. 

This unresolved issue has caused significant harm to my credit, and I request the immediate intervention of the CFPB to ensure this erroneous entry is removed from my report. 

# # # LexisNexis : Failure to Authenticate Identity and Stalling Investigation In addition, on XX/XX/year>, I received a letter from LexisNexis Risk Solutions ( Case Number : XXXX ), indicating that they were unable to authenticate my identity, which has delayed an ongoing dispute I initiated with them. Despite having provided the necessary documentation as requested, they claim they can not continue the reinvestigation process unless my identity is authenticated. 

This stalling tactic by LexisNexis is unacceptable and contradicts my consumer rights under the Fair Credit Reporting Act ( FCRA ). I demand that LexisNexis proceed with the dispute process immediately and without further unnecessary delays. 

# # # Documentation Sent to CFPB : On XXXX XXXX, XXXX, I submitted a formal complaint to the CFPB ( Complaint Number : XXXX ) regarding the same issues with both **XXXX** and **LexisNexis**. In that complaint, I included sensitive personal documentation, such as my **Social Security number**, **passport**, and a **recent insurance bill**, to verify my identity. I am attaching the same documentation to this letter to support the current complaint and ensure a swift resolution.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (IN)

I am a victim of identity theft. Please see attached FTC and ID and remove account from my credit report as well as collections. If you fail to do so, I will be forced to include you in my litigation.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/scrub>XXXX XXXX XXXX I sent a letter to Experian to update my personal information. I also sent a copy of my state issue ID, proof of residence and a copy of my social security card.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from Chase they decided to end the banking relationship on with me by closing down my checking, saving and all credit card accounts on XX/XX/XXXX. I called and inquired the reason behind this and talked to XXXX different customer reps, but none was able to provide me with any information. I have a lot of payments ( utilities, XXXX XXXX XXXX XXXX XXXX ) linked to my checking ( it is my main checking ), as well as direct deposits from work, so this is really a huge inconvenience for me and I don't even know what I did wrong? Please help!!!
Consumer complaint received 2023-07-25
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Figure Technologies, Inc (CA)

I got a heloc from Figure Lending. 
I have been paying for over a year now. 
When I looked recently my principle has stayed the same. 
My monthly payment is XXXX. Dollars. 
When I asked them why my principle has not gone down they told me the only way is to make extra payments because the XXXX a month only covers the interest. 
That's extreme. 
The original loan amount was XXXX. 
The current ballance is still XXXX. 
About 18 months of payments.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

XXXX XXXX account XXXX XXXX XXXX XXXX  acount number XXXX reporting a on my credit report on XXXXXXXX XXXX and equifax. I should be kindly remove inmediately since it was ruled by the Department of Justice in XXXX XXXX ruled out on XX/XX/year> that the contract for the aforementioned account was not valid. 
Please proceed with an inmediate removal from my credit record.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (FL)

I made an XX/XX/XXXX payment, but could not make XX/XX/XXXX payment. I revoked all ACH authorization. They have called my phone 4-5 times a day. From XXXX XXXX every day non-stop. I finally told them on XX/XX/XXXX they dont have to call me 5 times a day, this is a form of harassment and the woman on the other end stated phones calls will continue until a payment is setup. I told them plenty of times that I would call them back. For a {$1100.00} loan, I have already paid over {$2000.00} back. So I have paid my principal.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have had a report of my information being put on the dark web. I froze my information on XXXX and XXXX but Trans union is telling me that they do not have any information on me with my SS # so I can not freeze any information there. I tried 3 different calls to the representatives but no one would help get this fixed. I also tried online at least 10 times and it says the system has issues and to try later. Its been well over a week and the web site still will not let me in. I know I HAD information on this site as I talked to my financial institution and the used Trans Union to check when I applied for a loan last year. If they were hacked maybe they should let people know and if they have lost peoples information that should also be told. We are told to protect our information and freeze that information when someone is breeched yet I can not because Trans Union has issues and will not resolve them. I hope this can be fixed before others run into this.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

I SENT XXXX, EQUIFAX, AND XXXX LETTERS CONCERNING THE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT ON XXXX AND THEY HAVE DONE NOTHING AND I HAVE ATTACHMENT DOWN BELOW. 

SEE ATTACHMENT AND PLEASE DELETE
Consumer complaint received 2024-09-20
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 2024-09-19
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. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC. (TX)

So i disputed XXXX with sofi bank. Sofi got the money from XXXX before XXXX even accepted the money on XX/XX/year> here it is XX/XX/year>. i still have no credit no refund no response form sofi i have email proof i provided to sofi from the merchant and still nothing. I want to sue them I'm tired at this point. 

Thanks XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Bankruptcy Entry on Credit Report Dear XXXX XXXX XXXX, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit report. XXXX is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit file. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from my credit report immediately. 

I am requesting that XXXX investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit report. I also request that a corrected copy of my credit report be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (IL)

XX/XX/year> XXXX payment was sent around XXXX XXXX to an individual who was selling a vehicle, but they were a scammer who did not have any vehicle or product available at all. {$500.00} was sent to someone who was believed to be a trustworthy person that is known in real life. However, the money was actually sent to a scammer with not vehicle. I have not contacted US bank, but plan on doing so.
Consumer complaint received 2023-06-27
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. (PA)

The furnishers listed below are reporting late payments in direct violation of 15 US Code 1666 ( b ) - Timing of 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 Section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 Days. 
There were furnishers listed below who stated in response to my CFPB Complaint # XXXX XXXX submitted XX/XX/XXXXXXXX  NO LATE PAYMENTS WERE REPORTING. 
I consider their statements to be DISINGENIOUS because I checked my credit reports today ( XX/XX/XXXXXXXX  ) These firms still continue to report the late payments in total disregard of LAW. ( FCRA 1666 ( b ) ) 1 ) XXXX  XXXX - XXXX XXXX ) XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the information be removed.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance to Fair reporting creditor at this creditor has violated my rights. 15 USC 1681 section 602. I have the right to privacy. 15 USC 1680 1 604A section 2. A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under open on a consumer credit plan as open or late for any purpose.
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I have XXXX unrecognized charges on my account one for XXXX dollars made in XXXX XXXX, other one is XXXX dollars XXXX XXXX  XXXX XXXX. I live in XXXX XXXX  and the statement shows there are transaction that were made here in XXXX the same day i got scammed with XXXX and XXXX dollars this shows that i can not travel to other state in day and make those transaction. i have also contacted with the stores and they do not see any kind of transaction for XXXX and XXXX on their end. I submitted this issue with chase and they denied my claim saying it was made through the current devise that am using. i never went to XXXX  or XXXX. these transaction was made on XXXX of XX/XX/year> was made on XXXX XXXX  and XXXX was made on XXXX XXXX  store number XXXX. please help me out or reach out if you need any additional information. Also the stores aren't able to provide any receipt for the transaction on their end as they couldn't locate one.