davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (IN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-12
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. (NC)

Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report. 

Please review the attached letter for details. Thank you for your assistance.
Consumer complaint received 2024-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (TX)

In XXXX I refinanced my home with Chase Bank on a new XXXX  year mortgage and enrolled in the Chase Mortgage Cash Back Program. From XXXX until XXXX I received cash back payments annually in the amount of {$XXXX} as a part of the mortgage cash back. 

At the end of XXXX, I attempted to make an extra principal payment at the end of the year, which got applied as a regular payment. Since automatic payments continued to be drafted, I found I was paying in advance for my mortgage payments so in XXXX of XXXX, I stopped automatic payments and reinitiated automatic payments the next month. At no time did I make a payment late and in all cases payments for the mortgage came from my Chase checking account. 

I have now learned that this temporary pause on automatic payments dis-enrolled me from the Chase Mortgage XXXX Back program and because the program had been discontinued, I would receive no further payments. 

In XXXX of XXXX, I appealed this dis-enrollment from the program all the way up to the Chase XXXX XXXX XXXX I was given a copy of the policy disclosure that states that cancellation of automatic payments for any reason voids the rebate offer. 

My contention is that the grounds for this dis enrollment were : a. ) Either not a part of the original program and only changed in XXXX when the program was terminated- and I was not given any disclosure of this change or b. ) Part of the original program, but not properly disclosed to me or XXXX ) A rule in the program that is applied arbitrarily with some mortgage customers being treated differently from others. 

If any of the above are true, then I feel that Chase Bank is not acting properly in its disclosing the rules of its mortgage program. The XXXX Back XXXX program was XXXX of the reasons why I chose to refinance my mortgage with Chase. My opinion is that when they cancelled the program they looked for technicalities that would minimize the amount they would have to pay and I feel like I was defrauded out of my remaining {$XXXX} in rebate payments. I would encourage the XXXX to request internal documents from Chase detailing when the rule changes to the XXXX Back Mortgage program were made and if these rules were properly disclosed to individual mortgage customers ( either the original rules or amended rules ). Quite simply if I would have know that the temporary cancellation of automatic payments would stop my rebate, I never would have done so. 

Attached to this complaint are the terms and conditions I received in XXXX when I applied for the mortgage and enrolled in the cash back rebate program. Also attached are the terms and conditions that Chase says are now applicable.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC (IL)

I had this argument on CFPB XXXX and with XXXX  XXXX XXXX XXXX XX/XX/year>. I am being threatened with legal action by a third-party debt collector. I have no communication with this debt collector and no idea who they are. This debt is not mine because it was proved to be fraud back when I first reported on XX/XX/year>. No payment was made after XX/XX/year>. This is because I was overseas with the XXXX and the amounts were being drafted prior to my knowledge. My wife took over the bills and was not aware who or what was being paid. Upon my return from XXXX  obligation, I blocked the fraudulent payments being withdrawn and requested a full investigation with XXXX  XXXX XXXX. XXXX  XXXX XXXX never sued me and sent me a check for about 50 % that was taken. This is the third debt collector in over 10 years. This new debt collector is now threating legal action, see letter attached. There is also a bogus fake lien on the property by a prior debt collector. This is not my signature on any document that was provided by XXXX  XXXX XXXX, and the issue was resolved. Now over 11 years in the state of XXXX, a new debt collector is calling, I don't answer and sending new collection letters. My credit report has been clean last 12 years of this bogus ZOOMBIE debt. 
Stop contacting me! I have had enough of this going on 12 years! I am about to go talk to a lawyer. 
ZOOMBIE DEBT with Fraudulent notes going on 12 years.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/year> I purchased a pair of XXXX XXXX from XXXX at a cost of {$540.00} plus {$38.00} tax. I elected to spread payments over six months at {$91.00} per month. 

The tax of {$38.00} was charged to my Apple card immediately on XX/XX/year> and the first payment of {$91.00} was charged on XX/XX/year>. 

I returned the headphones - far too heavy- and received the tax refund of {$38.00} on XX/XX/year>. So far I have not received a refund for the first payment of {$91.00}. 

I wasted over two hours on chat with six or seven Apple specialists that accomplished nothing ; other than being told it's been refunded but no one could, or tried, to explain the fact that it shows nowhere in my account.
Consumer complaint received 2024-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXXXXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXXXXXX XXXX  has consistently failed to provide the necessary documentation proving ownership of the debt in question. Instead, they have only responded with billing statements and a bill of sale, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) debt collectors must provide adequate validation of a debt upon request, which includes proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not prove that the debt collector has the right to collect the debt. Furthermore, providing a bill of sale is not proof of ownership ; it simply confirms that the debt was purchased, but it does not demonstrate that the purchaser has legal authority to collect the debt. 

Additionally, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation, the continued reporting of this account on my credit report is a violation of federal law. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and promptly remove any and all references to XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of the account associated with XXXX XXXX XXXX from my credit report. Despite multiple attempts to obtain proper debt validation through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX has consistently failed to provide the necessary documentation proving they own the debt in question. Instead, they have only responded with billing statements, which do not meet the legal requirements for debt validation. 

According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), debt collectors are required to provide adequate validation of a debt when requested. This validation must include proof of an assignment of contract or documentation demonstrating legal ownership of the debt. Billing statements alone are insufficient for debt validation, as they do not establish that the debt collector has the right to collect on the debt.

In addition, under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Since XXXX XXXX has failed to provide proper validation of this debt, the continued reporting of this account on my credit report violates these federal laws. 

For your reference, I have attached copies of the CFPB complaints I have filed and the responses from XXXX XXXX XXXX. These documents further demonstrate their failure to provide the required debt validation. 

I respectfully request that you investigate this matter and remove any and all references to XXXX XXXX XXXX from my credit report. Please confirm in writing once this account has been removed. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-12
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. (RI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (IN)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX. This has cause me XXXX  XXXX, stress, and financial hardship.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-12
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. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-12
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-12
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX # XXXX opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-12
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. (TX)

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  Account Number : XXXX Account name : XXXX  Account Number : XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.