davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-17
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
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. (CA)

I discovered that some of the information was erroneous. The EXPERIAN credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XX/XX/XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

-Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX XXXX XXXX XXXX - This account is being reported inacqurately, please remove this from my credit report immediately.
Consumer complaint received 2024-06-17
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)

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with Experian, XXXX and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved.To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. I contacted Experian, XXXX and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and XXXX Credit Bureau 's requests. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
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)

THE FOLLOWING ACCOUNTS ARE ON MY CREDIT FILE AND THEY ARE NOT AUTHORIZED. THEY DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION WITH INK SIGNATURE TO ACCESS MY INFORMATION. THESE ACCOUNTS NEED TO BE REMOVED ASAP PER LAW CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CA)

on XX/XX/XXXX I transferred {$2500.00} to my citi credit card ending in XXXX which it turns out did not exist ( Citi was switching the account from a XXXX to a XXXX and so had TWO accounts with different account numbers that were actually the same, which caused me to pay both 'accounts ' off and the overpayment of {$2500.00} XXXX. 

I have called Citi 5 different times, roughly once every month asking where the money is and when I would get it back. I have provided them with the routing and account number of my personal checking which they assured me months ago would be returned ( they  agreed to send the money back the day after the incident ), but I have not received any monies, or communication whatsoever. 

I am asking for the {$2500.00} to be returned with an assessed interest of 10 % ( standard return I would normally see from my money manager ) for each month they have held the money. The total I am asking for is now is {$3700.00} which is the total with interest as described. 

Below I have detailed transaction history as well : transfer from XXXX card to citi ending in XXXX - {$2500.00} XX/XX/XXXX CITI CARD ONLINE PAYMENT XXXX WEB ID : CITIXXXX  {$2400.00} {$4000.00} XX/XX/XXXX CITI CARD ONLINE PAYMENT XXXX WEB ID : CITIXXXX {$2800.00} {$6500.00}
Consumer complaint received 2024-06-17
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)

XXXX XXXX ss # XXXX XXXX : XX/XX/XXXX contents of complaint : This cfpb complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the the EXPERIAN credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a {$14000.00} XXXX Card services opened on XXXX XXXX XXXX # XXXX, division of child support {$52000.00} opened on XXXX XXXX XXXX # XXXX, also a XXXX XXXX  {$1200.00} opened XX/XX/XXXX XXXX # XXXX, XXXX XXXX  {$1500.00} opened XX/XX/XXXX XXXX # XXXX, last XXXX XXXX XXXX {$430.00} opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.i have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit maintained by you wich shows the aforementioned fraudulent items.i do not recognize aforementioned accounts, and the hard inquiries as reported. The aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft criminal complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-11-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (ME)

XXXX XXXX bought my VA mortgage, they removed the valid tax ID. by not escrowing the taxes properly, This recognized by state and county Maine tax office. This was cleared up at XXXX XXXX, I was charged supplementary taxes, they were paid. This was apparently cleared up, I refinanced through loan depot and they did not recognize the correction. My municipal tax office has never corrected the tax obligation, since the start, they have hidden covered up the fraud, They reduced the value of my property, ruined my credit, They have ignored state and county findings.

XXXX XXXX town manager has been there for 40 years, He is the tax collector, treasurer, ombudsman, he has charge of the archives and access to {$5.00}, XXXX. daily.
Consumer complaint received 2024-06-17
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. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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. (CA)

I hope this message finds you well. I am writing to highlight a concerning discrepancy in my credit report related to inaccurately recorded late payments, which have adversely affected my credit standing. The companies linked to these accounts have acknowledged their faults and committed to rectifying the errors by updating my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that caused erroneous reporting of late payments. 
It is perplexing that, while other credit bureaus have corrected the status of these accounts, your bureau continues to report these late payments. This discrepancy raises concerns about the verification protocols used by your bureau to ensure the accuracy of reported informationXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and i am a consumer and disputed some accounts on my credit report that seemed to be inaccurate to me and after the investigation back from EXPERIAN there still are inaccurate reporting. EXPERIAN verified and updated my consumer profile inaccurate but they said everything is 100 % complete and accurate. I disagree with that so I DEMAND the description of investigation according to 15 USC 1681 ( 7 ). 



This account below is inaccurate from the... 

OPENED DATE ACCORDING TO CONTRACT FROM XXXX XXXX XX/XX/2021 EXPERIAN HAVE REPORTED XX/XX/2021 ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) HIGHEST BALANCE ACCORDING TO CONTRACT FROM XXXX XXXX {$17000.00} EXPERIAN BALANCE HAVE REPORTED AS {$15000.00} ( INACCUARTE/FALSE REPORTING ACCORDING TO FCRA ) DEFICENCY BALANCE ACCORDING TO XXXX XXXX {$54.00} ( WHICH WAS ALSO REPORTED LAST MONTH AS PAID OFF ) EXPERIAN DEFICENCY BALANCE IS {$5000.00} ( INACCURATE/FALSE REPORTING ACCORDING TO FCRA ) Account name : XXXX XXXX XXXX XXXX XXXXXXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 16811 ( 5 ) ( A ) ( i ). Also, this is no longer a time to reinvestigate as i have given proper time and notice according to the fcra now I demand you delete this account from my consumer profile. 



Attached is all documents and reports regarding this dispute. 

Original Contract from XXXX XXXX, Updated Credit File with proof off false reporting and inaccuracies from EXPERIAN
Consumer complaint received 2024-06-16
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. (NV)

On XX/XX/year> I sent out a letter to Experian, XXXX and XXXX in regard to XXXX ( XXXX ) incorect creditors on my credit file ( XXXX ). 

this was my XXXX time requesting the information from the credit bureaus with no real/legit investigation given from the credit bureau ( s ). My third and final letters before escalation was sent out USPS Certified mail, The following are receipt numbers for the certiied letters sent out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each certiied letter contained the incorect creditor/file that needs to b removed from my credit file due to the items being incorrect and not belonging to me. As a consumer and by law uner FCRA the furnishing companies ( Experian, XXXX, XXXX ) has a legal obligation to furnish information that is 100 % accurate annd true, in which they are not and have not an being that this is my XXXX attemot to get these items remove I know that they only have 15 days to do so. The allocatd time has passed and they have not uphl their duties resulting in " Unfair business Practice '' also " unethical Business '' Under FCRA 15 U.S. Coe 1681 ( b ) ( 2 ) Consumer Address must be updated and reported correctly. The only and correct address that should be reporting on all of my credit files should be as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent in proof ( utility and ID with correct address and requested the removal of incorrect addresses, My creit file as of today still has NOT been corrected. 

XXXX, Experian and XXXX have all violated my consumer rights under Codes : 15 U.S. Code 1692 15 U.S. Code 1666 ( b ) 15 U.S. Code 1601 these issues are damaging my livelihood and my ability to obtain credit tremendously!
Consumer complaint received 2024-06-16
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. (KY)

XXXX XXXXXXXX XXXX XXXX  Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-05-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-16
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have three late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-16
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. (CA)

I am writing to address inaccuracies and incomplete information on my credit report that require your attention. I am disputing these accounts because your agency has not provided sufficient information to verify the debt. XXXX and XXXX have already corrected these inaccuracy in their records due to an identified error. I am confused as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts on my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

I am disputing the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AZ)

The interest rates that were charged by Chase after my credit cards have been paid in full still has still not been rectified. I spoke to XXXX XXXX and I left her a voice message numerous time and sent her an email that shows that I paid off my credit card, but still has been charged credit card fees. These fees were illegally charged and I would like a refund. 

This is the email I sent. See below. Plus I will send the attachments too. They never bothered to respond and hoping that I just go away. I wonder how many other customers they have done the same and gotten away with a lot of fees paid to them that should not have been. I have never had a credit card company continue to charge me interest after it was paid in full and I have all major credit cards including XXXX XXXX XXXX XXXX XXXX. Not one of them have illegally charged interest fees like Chase has. 

CFPB XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX to XXXX, XXXX These are the attachments for Chase Credit Card ending in XXXX and XXXX. I have provided a copy of my statement where I had paid the credit card in full in 2019, however I am still being charged interest several years later. Also, attached is XXXX paid in full where I was charged an interest. I have never been charged interest from other credit card companies once it's paid in full. 

Please let me know if you have any questions. 

Sincerely, XXXX XXXX XXXX 3 Attachments Scanned by XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, 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. (SC)

I am told that i must get confirmation from the creditor who placed the information on my report but the creditor referred meto the the credit reporting agency. 

I am expected to go through extreme measures to remove inquiries that i do not recognize but it took them only a few seconds to place the misinformation on my report that was not confirmed by me. 

The reporting agencies are supposed to protect the consumer but it is clear that the their loyalty belongs to the those who pay them and keep them financially solvent. 

If the credit reporting agencies are no protecting the consumer, why do they exist. Maybe they should be disbanded or the inquiry reporting done away with so that it is no longer an impossible challenge when the consumer is faced with fraud and unauthorized inquiries.