davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There are XXXX banks on my credit report that have amounts owed that I disputed for fraud. XXXX XXXX, Bank of America, and XXXX XXXX. 

XXXX XXXX charge amount {$3200.00} XXXX  XXXX charge amount {$6300.00} Bank of America- charge amount {$5900.00} These credit cards were opened in 2016 and I filed a report with the XXXX XXXX Sheriffs office XXXX XXXX XXXX TX XXXX I gave each company info on my fraud claim with XXXX XXXX. I sent them back up such as documented proof of other institutions that researched and determined that my identity was used fraudulently.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-05
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 — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (TX)

In XX/XX/XXXX, an account from Milestone Credit Card ( XXXX XXXX XXXX ) was placed on my credit as a closed account. I was unaware of where this credit card had come from as I do not recall ever opening it. I never received any letters notifying me of this account or that it was scheduled to be closed. Upon realizing that this account existed nearly 5 years later, I contacted Milestone/Bank of Missouri to inquire about the account. I was told that it had been charged off and sold to XXXX XXXX. After calling XXXX XXXX I was told that they had sold the debt to XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( See attachments ) stating that if I fulfilled a settlement for the debt, they would delete all records and tradelines of the debt from each credit bureau. I fulfilled the settlement with XXXX on XX/XX/XXXX, and would like for this debt to be deleted. 

This debt has caused an immense amount of undue stress to my livelihood. In XX/XX/XXXX I was hoping to acquire a job with XXXX XXXX to continue to grow in my career field, however, the blemish on my credit report caused me to be unqualified for my dream job. Additionally, my now fiance proposed on XXXXXXXX XXXX XXXX and as we begin to look for our dream home, I am afraid to apply for a mortgage for fear that we will be turned down or offered unsatisfactory terms due to this debt. I've done my best to correct this error by reaching out to the bureaus in dispute as well as the creditor but have received no results. It simply is not fair that I paid the settlement for this debt and the contract agreement is not being met.
Consumer complaint received 2023-04-05
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. (NY)

My name is 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 FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  XXXX XXXX XXXX Balance {$0.00}, XXXX  XXXX XXXX XXXX Balance {$15000.00}, XXXX XXXX  XXXX... Balance {$16000.00}
Consumer complaint received 2023-04-05
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. (NJ)

My name is 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 FTC 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 2023-04-05
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00} XXXXXXXX XXXX  XXXX Balance : {$4000.00}
Consumer complaint received 2023-04-05
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Ive submitted a FTC and a complaint with CFPB regarding me losing my wallet with all my personal information and ive been experiencing issues with accounts all over california aswell as the following addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX XXXX XXXX, all three credit bureaus have different information that is not accurate
Consumer complaint received 2024-09-11
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XX/XX/2022.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Wrong address listed on file and employee XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX wrong address XXXX XXXX XXXX # XXXX, XXXX TX XXXX wrong address XXXX XXXX wrong employer The right employer is XXXX. XXXX
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

I am writing to dispute the late payment reported on my account with Chase Bank. I called the auto attendant on the phone and was given two payment options, one to pay the minimum amount and the other to pay the full amount. I chose to pay the full amount. 

In XXXX, I used the card again and made a payment, but when I checked in XXXX, I discovered that the payment was reported as late. I was traveling at the time and did not receive any notification from Chase Bank regarding the late payment. 

I sent a dispute letter by fax machine, explaining that the phone system misled me into believing that I had made a timely payment. However, I received a letter from Chase Bank stating that they could not remove the late payment. Furthermore, the letter stated that they would mark me as late if two consecutive payments were missed. 

As evidence of my payment history, please refer to the following statements : On XX/XX/XXXX, I paid {$6600.00} to pay off the account by making a phone payment. 
On XX/XX/XXXX, a {$40.00} late fee was charged. 
On XX/XX/XXXX, {$100.00} interest was added. 
On XX/XX/XXXX, a payment of {$140.00} was due to interest and late payment. 
On XX/XX/XXXX, I made a {$700.00} phone payment with a phone representative. 


It is clear from the payment history that I have made every effort to pay on time and in full. The late payment was the result of the misleading information provided by the phone system, which was beyond my control. Furthermore, it is unfair and unjust to report me as late when I have made every effort to make timely payments. 

In addition, I believe that Chase Bank may have violated California and federal laws, including but not limited to the California XXXX Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These laws prohibit debt collectors from making false, misleading, or deceptive statements in connection with debt collection, and require them to provide accurate and complete information to credit reporting agencies. 

I am writing to request that you remove the late payment from my credit report and correct any erroneous information that has been reported. I am authorizing you to respond to me through the CFPB website. Please provide me with written confirmation that the late payment has been removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2023-04-05
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX OF XXXX XXXX XXXX : {$16000.00}
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (MT)

My name is 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 FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX {$4400.00}
Consumer complaint received 2023-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing (TN)

I have a {$120000.00} FHA mortgage that was originated on XX/XX/19 through XXXX and serviced through Volunteer Mortgage Loan Servicing. I was under the impression that my MIP would go down as printed on the amortization schedule that was given to me by my closing attorney as I pay down my mortgage. I've paid my mortgage down to {$42000.00} and my MIP has only decreased to {$79.00} from {$85.00}. Looking at the amortization calendar, my MIP should be approximately {$40.00}. I asked Volunteer Mortgage Loan Servicing about my MIP years ago and they just told me that it only changes yearly. My request to CFPB is to verify how much my MIP is supposed to be. It's very disparaging for my MIP to only go down $ XXXX yearly. There was a {$1800.00} upfront MIP. It's sad that FHA is supposed to help low-income homeowners save money but the homeowner will pay way more in mortgage insurance over the 30 yrs than the {$15000.00} assistance. I'm going to do everything in my power to pay off my mortgage in 10 yrs to stop paying this high mortgage insurance and interest.
Consumer complaint received 2023-04-05
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-04-05
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: SUN LOAN COMPANY INC. (IL)

I have made numerous complaints outlining why this account should be XXXX out and removed from my credit report. You have continued to violate my consumer rights under Truth in lending act, FCRA, and the FDCPA. This is my last attempt to try to rectify this situation before pursuing litigation. Ive attached an Affidavit of Truth notarized outlining various facts about the situation as well as a Cease to desist.
Consumer complaint received 2023-04-05
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: LEXISNEXIS (GA)

XXXX has displayed unethical behavior and acted unconscionably arbitrarily posting reaged bankruptcy dates reported on my consumer file XXXX stated that the source reported the the bankruptcy is the court which is deceptive I verified this with the court and that advised they are not a furnisher and did not report to XXXX XXXX reported not responsible for the misuse of my personal information reported on my credit reports XXXX and XXXX acted expeditiously to correct the wrong. 
XXXX is stalling despite I also sent letter with all necessary verification via USPS and received the green cards of correspondence received by XXXX. 
This has dropped my score and cause me harm to only have risk based apr over 28 % and less access to credit. I served this country and this is the insult I received. 
Affected my opportunity for XXXX 's promotion and to purchase autombile.
Consumer complaint received 2023-04-22
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. (WA)

I applied and received Chase Bank 's co branded with Marriot credit card- Chase Marriot XXXX XXXX Credit Card with a welcome promotion of 3 reward nights if I spend {$3000.00} in the first three months. This card charges {$95.00} annual fees. I have spent the minimum amount almost 6 months ago and I have not yet received my welcome bonus. I have spent the last 6 months on calls with customer service- both Chase and Marriot and not received any response so far. Every time I call, the only response I ever get is to call back in 10 to 15 days. I spend almost an hour every call but with no resolution.