davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
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: Experian Information Solutions Inc. (FL)

I am formally disputing inaccurate and fraudulent information on my credit report. As a survivor of XXXX XXXX, certain accounts and debts were incurred without my knowledge or consent. These fraudulent accounts and derogatory items continue to harm my credit profile and do not reflect my true financial behavior. 

Key negative items include : 1. **Accounts in Dispute : ** - XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/year>, Experian ) - XXXX XXXX XXXX XXXX ( XX/XX/year>, Experian ) - XXXX Open inquiry ( XX/XX/year>, XXXX ) XXXX XXXX of XXXX XXXX  Open inquiry ( XX/XX/year>, XXXX ) XXXX **XXXX XXXX XXXX** XXXX XXXX {$840.00}, XXXX ) - XXXX XXXX XXXX XXXX XXXX ( {$1400.00}, Experian ) - **XXXX  XXXX XXXX ( Late 180 Days, Experian ) XXXX. **Personal Information Discrepancies : ** - Incorrect names and addresses across all credit bureaus, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX **Fraud Alert : ** - A fraud victim alert is active on my **Experian** file, confirming fraudulent applications may be submitted in my name without my consent. I have been a victim of identity theft as part of the human trafficking ordeal.

4. **Negative Credit History : ** - Several derogatory marks are listed under collection agencies, including XXXX XXXX XXXX and XXXX XXXX XXXX which were incurred under duress.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024 I received a notification from my bank ( Chase ) that a fraudulent charge of {$210.00} was attempted at a store I do not visit. I opted to have a new replacement Debit card sent to me. Although the replacement card was sent to my address, I never saw it because it was physically stolen by the thief first. The card was used to withdraw {$4500.00} from my checking account on XX/XX/2024 at XXXX at a city I have never been to ( XXXX XXXX XXXX XXXX  ). I noticed the fraudulent activity on my mobile app, and I drove to my local Chase bank in XXXX XXXX, XXXX. I arrived at the bank frantic, just one hour after the fraudulent withdrawal, at XXXX. The transaction still showed Pending, and I requested that the transaction be cancelled. Chase refused, and allowed the transaction to continue, despite me saying that I did not authorize it. A claim was filed with Chase to have my funds returned to me. The claim was denied, and the bank refused to return the {$4500.00} that was stolen from me.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IL)

My wife and I, along with our  XXXX  children, were tenants at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL for a period of approximately  XXXX  years. We vacated the apartment at the end of our lease in   XXXX   XXXX       We paid all of our rent when due, and complied with all of the terms and conditions of the lease. When we moved out, we asked for a " walk through '' but were refused.  XXXX   XXXX   XXXX ,  XXXX , the landlord, some weeks later sent us a notice for {$580.00} for damages that do not exist. They collected no security deposit if there were a security deposit they clearly would not be allowed to withhold from it under the  XXXX   XXXX   XXXX , which permits reasonable wear and tear. Instead they have hired a debt collection agency to harass us and are threatening to damage our credit if we do not pay them the amount they claim we owe. The photographs they claim show damage do not show anything obvious, and certainly not {$580.00} of damages.  XXXX  of the photographs actually shows a clean, empty apartment. They have no photographs of when we entered the apartment, to my knowledge.     I suspect this might be part of a pattern. A landlord threatens collection against tenant. The tenant is afraid of damage to credit and pays off the landlord to go away, even though the charge is unfair. Many tenants hope to become homeowners.     Credit ratings have a lot of power over people, and landlords and debt collection agencies should not be able to report debt that they can not prove to credit bureaus. If it were unpaid rent, that would be obvious in the lease. This is highly subjective, and they do not have the evidence to sustain a breach of lease claim.
Consumer complaint received 2017-05-18
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. (MD)

Since  XXXX   XXXX  I have been disputing  XXXX  accounts on my credit report with a company called  XXXX   XXXX   XXXX . I sent a few letters to them previously asking them to validate the accounts that maintain under my social security number.  3 fail ed attempts and no contract was provided. I contacted the Credit Bureaus and the accounts was deleted, however after a recent update the accounts are back.  XXXX  account is now being reported again with a {$0.00} balance and the other  XXXX  has a {$120.00} balance and states account meets FCRA requirements if some new documentation was presented it was not provided to me. Also I reside in Maryland and Maryland law states that a debt buyer must be licensed. I checked my state websites for debt collectors and  XXXX  is listed as closed. My recent letters have been unanswered and the Credit Bureau is not assisting me at all.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Complaint Letter to CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Failure to Remove Inaccurate Information from My Credit Report Complaint Against : XXXX, Experian, XXXX Dear Sir or Madam, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding the failure of credit reporting agencies XXXX, Experian, and XXXX to remove inaccurate information from my credit report, despite multiple requests. The inaccurate information is negatively affecting my ability to access credit. 
On XXXX, I contacted each of the aforementioned credit reporting agencies and submitted a formal dispute concerning accurate address, incorrect late payment report, inaccurate account balance, inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX and a bankruptcy that has been removed by XXXX per the Fair Credit Reporting Act, while the others have refused sighting some third party that I have not given any permission to investigate my private rights. I provided all necessary documentation to support my dispute, including the INQUIRY REMOVEL, BANKRUPTCY REMOVAL as well as their responses. However, the credit reporting agencies have failed to remove or correct the disputed information within the required timeframe. 
This continued reporting of inaccurate information violates my rights under the Fair Credit Reporting Act. I have suffered financial damages, such as denial of credit or increased interest rates, reduction in credit limits and denial of financing for personal and business financing, due to their failure to comply with their obligations under the law. 
I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct the inaccurate information on my credit report. I also request that any damages caused by this failure be addressed. 
Please find attached copies of the disputes, correspondence, and other supporting documents related to this issue. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX ; XXXX XXXX/ Without Prejudice Enclosed : Copies of correspondence, credit report, dispute documentation.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (ME)

On XX/XX/year> I was charged for XXXX XXXX plane tickets on my GM card by Marcus in the amount of {$360.00} each.. I did not make these charges so I called to file a dispute. I didn't hear from them until XXXX on the dispute and was told they were in fact my charges and they had added them back to my card. I called back requesting copies of their proof it was me. They send me XXXX documents stating the tickets were placed by a XXXX XXXX. I called back and had to redispute. I included the proof they had sent me along with the dispute. I didn't hear back until XXXX and was told they found in my favor for one of the charges but the other two were in fact mine and they were charging my credit card again. I called back and they told me I could keep disputing them. So again I disputed and send the proof they had sent me saying it was me. This week ( XXXX ) I received an email stating they are in fact my charges and that my card has been charged for the remaining two charges of {$360.00}. I am at a loss as to what to do. These are not my charges and I will not pay them. Before I reach out for legal counsel I was advised to contact you folks. I hope you can help me to get this frustrating issue resolved. I have stopped using this card and will close it once this is all resolved.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Approximat ely five yea rs a go   XXXX   XXXX   sold my account to Carrington mortgage. I was down to last five years of the loan. It has been a  nightmare ever since. Every year they raise my payment twice. Last  one with a note that by law they can hold up to two  times what is needed in escrow account to pay principle, interest, insurance, and taxes. During these last five years, they have misapplied funds to another account and were hounding me for a payment. That took several phone calls and a week to get them to correct their error. One year I paid the escrow shortage to keep my payments down enough to be able to pay them. They didnt know how to apply so they just applied to the principle and when I paid the amount the payment should have been they started their harassing phone calls. They wanted me to pay the shortage again until they could figure out where they   XXXX   XXXX  . I didnt have that kind of money just laying around to send them so they charged me a late charge for thei r   XXXX   XXXX  . Th ey have not paid my insurance in a timely matter and I received several notices of cancelation. Every month its is something with them. Mind you I have never had a late payment in the  twenty five yea rs I have had this mortgage.     Fast forward to this year. Once again, they are increasing my payments. Not sure why because there is more in the escrow fund than the payoff on the loan. So, I didnt pay that large escrow shortage as I knew I would be paying the loan off in the next couple of months. The payment was to increase {$62.00} in   XX/XX/XXXX   and I thought it was  XX/XX/XXXX . I paid my usual payment in  XX/XX/XXXX . T hen came the harassing phone calls. I explained it was an honest mistake on my part and would include the {$62.00} dollars in my next payment. They were having nothing to do with. Even though they had my {$1100.00} they would not post it because of the {$62.00} shortage. They reported me to the credit bureau which put a hickey on my pristine credit report. I tried to work with customer service but as usual their customer service is rude and useless. So now they have {$4700.00} of my money they payoff is {$3300.00} which means they owe me {$1400.00}. Now I get a foreclosure notice not just on but four. So basically, they are trying to steal my house over {$62.00} dollars.
Consumer complaint received 2024-08-16
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 am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Consumer complaint received 2024-09-10
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. (MI)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27
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. (PA)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

Application for loan modification was resubmitted for my on  XX/XX/XXXX  since my financial situation changed and those factors were not considered in the review of application denied in  XX/XX/XXXX . On  XX/XX/XXXX  additional supporting documentation was provided t o Fay Servicing via email per request of accnt manager. O n  XX/XX/XXXX  the account manager ( or SPOC ) advised case had been marked complete and was being handled by underwriting as of  XX/XX/XXXX .     On  XX/XX/XXXX  I received a letter requesting  P & L for co ntributors since they could not provide paystubs for their income. The documents requested were sent by  XX/XX/XXXX  pe r Fay Servicings reque st. On a phone call made to the servicer on  XX/XX/XXXX  we were informed the underwriting department requested an update d  XXXX  claimin g the IRS had rejected the one we had submitted. I did not receive a letter or phone call with this request. An upd ated  XXXX  for m was emailed to servicer per request.   On a phone call to the SPOC on  XX/XX/XXXX   XXXX   XXXX  informed the underwriting department had received the form emailed  XX/XX/XXXX  and that my file was complete. He promised to follow up with a phone call within a week.   On  XX/XX/XXXX  I had not heard from servicer and had not received any letters indicating outcome or requesting documentation. Voicemail was left for SPOC to return phone call with update on this case.      XXXX  SPOC (  XXXX   XXXX   )  explained that underwriting department had been handling my case since  XX/XX/XXXX . However, since 90 days have passed since that department received the file and a decision hadnt been made, updated application and documentation needs to be re-submitted for their review.     The  SPOC  further explained that the reason why a decision hadnt been made on the case is because the underwriter department is overloaded with work since I am not heir only client, and has not been able to review the documentation provided on time, therefore documentation submitted in  XX/XX/XXXX  has now expired . SPOC gav e as an additional reason for delay on the decision the fact that I had not responded to requests immediately, or did not submit a complete application when prompted. I submitted all documentation as requested by the deadline p rovided by Fay Servicing, and Fay Servicing  has acknowledged the receipt of the documents by such deadline. Further, the fact that this case was submitted to the underwriting department in  XX/XX/XXXX  shows tha t Fay Servicing had consid ered my Application for Assistance as complete and subsequently transferred the file to the underwriting department for a prompt decision.