davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ XXXX XXXX XXXX XXXX ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request. 
When the inquiry is for a legitimate business need related to a transaction initiated by the consumer. 
For account review purposes by a current creditor. 
For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX XXXX XXXX XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry. 

I am requesting that you : XXXX. Investigate this matter with the company listed above. 
XXXX. Remove the unauthorized inquiry from my credit report. 
XXXX. Provide me with written confirmation of the removal. 

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-03
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. (IL)

On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( XXXX, Experian, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXXXXXX XXXX XXXX  Original creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 
This account is not mine. I have no knowledge of this account.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-07-21
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: Resurgent Capital Services L.P. (FL)

I have sent in numerous disputes regarding this account, with proper documentation and up to date data. Both of these companies refuse to even pay attention to what I am writing to them. Every reply is that they are accurate when I am not disputing the accuracy. My dispute consists of a totally different issue from accuracy.
Consumer complaint received 2024-07-21
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC (LA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Request for Debt Validation and Removal from Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint regarding SUNRISE CREDIT SERVICE located at XXXX Corporate XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Several months ago, I requested a XXXX XXXX XXXX from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a XXXX XXXX XXXX, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of SUNRISE CREDIT SERVICE to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution.
Consumer complaint received 2024-07-21
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NV)

I am XXXX XXXX military for over a year. AMEX has been trying to charge me a {$700.00} annual fee for the platinum card that is suppose to be waived. They claim I am not eligible and continue to get denied by the DoD. I have requested for re-evaluation twice, opened a case and submitted my orders from XXXX  that proves I have been on a continuous strain of orders ( since before they began claiming me indelible through the present, and finally I submitted a complaint to have the case looked at. All of which have been turned down and closed because " I am ineligible ''. They still have not provided an actual reason as to why I am ineligible. To my knowledge I just need to be XXXX  XXXX XXXX military, which I have been, and I have provided the documentation for that. I am trying to avoid paying {$700.00} out of pocket because the DOD won't review my actual records on file.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal XXXX  against American Express ( Amex ) regarding an erroneous and unjustified decrease in my credit limit. This action has significantly impacted my credit score and financial stability. 

I have been a loyal Amex cardholder since XXXX, consistently making payments on time and maintaining a good credit history. Despite my responsible use of credit, Amex recently reduced my credit limit from {$25000.00} to {$4400.00} without any prior notice or valid explanation. The reason given by Amex was, " Based on your credit report, you are or were past due with another creditor ( s ). '' On XX/XX/XXXX, I contacted Amex customer service and spoke with XXXX XXXX in the credit division to address this issue. I informed XXXX that their decision to grossly reduce my credit limit was based on incorrect and invalid information. I have placed a dispute with the other creditor mentioned, and there is no past due balance with them. Furthermore, I have been an exceptional Amex customer without any derogatory infractions, and my Amex account is current and without a past due balance. 

This unexpected reduction in my credit limit has adversely affected my credit score, which in turn impacts my ability to obtain favorable credit terms in the future. I believe this action by Amex is unjust and not in accordance with fair credit practices. 

I request the CFPB 's assistance in investigating this matter and ensuring that Amex restores my original credit limit. Additionally, I seek assurance that my credit report will be corrected to reflect the accurate credit limit and that my credit score will be restored to its previous level. 

Attached to this letter are copies of relevant documents, including my recent credit card statements, credit report, and correspondence with Amex. I trust that the CFPB will handle this complaint with the seriousness it deserves and help resolve this issue promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

HI 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.
Consumer complaint received 2020-02-13
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (UT)

I made a purchase for XXXXEUR through a website and used Paypal to do so. I used a debit card and wanted my card issuer to convert the currency upon receiving the transaction. Paypal defaulted to converting the currency for me and charged me a fee to do so. According to my Paypal user agreement, it is my choice to have Paypal or the card issuer convert the currency. I called Paypal and after spending an hour on the phone and escalating three times, a woman named XXXX would not refund the conversion fee to me nor fix the issue. She kept telling me it is up to the merchant to decide if Paypal or the card issuer will convert the currency. I told her that was wrong and what my user agreement stated. Paypal has charged me an illegal currency conversion fee in violation of my Paypal user agreement and I want the money refunded to me.
Consumer complaint received 2023-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

This is second complaint about my loan provider Sls I received 2 letters from sls during first complaint one dated XXXX Received XXXX Second dated XXXX Received XXXX XXXX Previous complaint I'd XXXX Escrow As a homeowner, I XXXX XXXX have been throughout the in-house refinance providing information and details for completion of refinance by sls on XX/XX/XXXX. I stated numerous times during thier taped conversations that it isn't first line. Simple as date of deet of trust to see in fact which was first and second mortgage. With that said this was NOT INDEED inadvertently labeled the only reason I as a customer and or home see this being labeled as this was only to put me under financial hardship and burden As stated in XXXX letter there is {$2700.00} of escrow that inadvertently taken and kept to this date As of now I have not received the above check for {$810.00}. Nor have received the duplicate check sls stated they sent to property taxes on XXXX sls check on it when they stated on the letter on XXXX and my first mortgage already paid taxes on XXXX gave sls 4 months to know it duplicate and return.money to me. Which I have not received. This almost {$3000.00} " inconvenience " as stated in letter has directly pit me into financial hardship and fees. 

Fees The fees I was referring to weren't front the XX/XX/XXXX in house refinance. It was from when sls took loan and provider orginal date XX/XX/XXXX Conclusion There has been since XXXX a lot .... a lot of Grey area sls push for a provider stand point to the point of past the Grey area... 

I want and need to combine both first and second mortgage into one loan ie consolidation of loans with equity draw to help with the hardship that sls directly and or indirectly cause inadvertently labeled for second loan and for providing for both loans Tks XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery One, LLC (CA)

I am filing a formal complaint against Recovery One LLC for their continued violations of the Fair Credit Reporting Act ( FCRA ) and relevant California state laws. Despite being informed that I am a victim of identity theft, Recovery One LLC has refused to adhere to FCRA guidelines and continues to report fraudulent information to credit reporting agencies and pursue collection activities. 

**FCRA Violations : ** 1. **Section 605B ( 15 U.S. Code 1681c-2 ) - Blocking of Information Resulting from Identity Theft : ** - Recovery One LLC has failed to block the reporting of information identified as resulting from identity theft, despite receiving appropriate documentation from me, including a police report and an FTC Identity Theft Report.

2. **Section 623 ( a ) ( 6 ) ( 15 U.S. Code 1681s-2 ) - Responsibilities of Furnishers of Information : ** - They continue to report information to credit reporting agencies that they know is inaccurate and have not conducted a reasonable investigation into my disputes.

3. **Section 611 ( 15 U.S. Code 1681i ) - Procedure in Case of Disputed Accuracy : ** - Recovery One LLC has not fulfilled their obligation to investigate and rectify the disputed information within the 30-day period required by law.

**California State Law Violations : ** 1. **California Civil Code 1785.16 - Investigation and Correction of Disputed Information : ** - Recovery One LLC has not conducted a thorough investigation of my dispute within 30 business days and has not corrected the inaccuracies on my credit report.

2. **California Civil Code 1785.25 - Responsibilities of Furnishers of Credit Information : ** - They have provided information to credit reporting agencies that they know, or have reasonable cause to believe, is inaccurate, and have failed to promptly notify the agencies of any discovered inaccuracies.

3. **California Civil Code 1788.18 - Identity Theft Victims : ** - They have not stopped collection activities on the fraudulent debt, nor have they ceased reporting this debt to credit reporting agencies after being notified of the identity theft and provided with the necessary documentation.

Despite providing Recovery One LLC with comprehensive documentation of the identity theft, including a police report and an FTC Identity Theft Report, they continue to report the fraudulent debt to the credit bureaus and pursue collection activities. This has caused significant damage to my credit profile and emotional distress.
Consumer complaint received 2024-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX at XXXX PM, I sold an item and the person who was buying it sent me {$69.00} on Cashapp. However, after receiving the item, they were able to cancel the transaction. I reached out to Cash App and they informed me that, I had to hit " accept payment, '' however the sender cancelled the transaction before I was able to hit accept. I reached out to Cash App and they were of very little help. Anyone on cashapp can hit " cancel transaction '' before the receiver accepts it and it is returned to sender. But sometimes, there is no need to hit accept payment and the payment gets accepted. It seems to be at random when the transaction requires the additional acceptance in order to receive funds. I reached out to Cashapp and was never returned the {$69.00} dollars. 
I reported the sender on Cashapp and reached out to support but they told me they couldn't do anything.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP (CA)

Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have provided my photo ID along with the other required documents. 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-07-15
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. (FL)

I reviewed my Consumer Reports and noticed that I had two 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 ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can to be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.