davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management (CA)

On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with PLAZA SERVICES LLC on XX/XX/XXXX showing a balance of {$2200.00}. PLAZA SERVICES LLC failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
Consumer complaint received 2024-08-20
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. (PA)

I XXXX XXXX XXXX reviewed my credit report and noticed several accounts and addresses that are reporting in my account inaccurate. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$180.00} Inquiries Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XXXX XXXX Name : XXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Name : XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  Date XXXX XX/XX/XXXX Inaccurate addresses reporting on my credit report are XXXX XXXX XXXX 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
Consumer complaint received 2024-05-31
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

XXXX XXXX XXXXXXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX XXXX XXXXXXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for roughly 1 year and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accoundable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Consumer complaint received 2024-05-31
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Acrisure Mortgage Partners, LLC (FL)

On XX/XX/XXXX ( my pay-day ) I tried to make a partial payment on my loan. As both my son and I are resposible for the loan. The web portal would not accept the partial payment. As their web portal is set for all or nothing. 
I called a representative and explained the way my budget and there are XXXX parties resposible for the loan. I can make half a payment now and my son would pay remainder from his bank account. I was told it would not be accepted. on XX/XX/XXXX I set up bill pay through my XXXX XXXX and I sent in the partial payment, and my son would do the same through his. On XX/XX/XXXX the electronc payment went to XXXX mortgage {$1100.00}. XXXX would have received it XX/XX/XXXX. I called XXXX to confirm on XX/XX/XXXX, which I was told they could not verify. I requested my credit union to please provide me with some proof of my payment. I was provided a trace # and please allow XXXX XXXX hours to confirm the payment was rcvd. I called XXXX on XX/XX/XXXX. I spoke with XXXX reps who were very explicit either all or no payment would be accepted in any format. I request to speak with a superviosr who would not take my trace #, would not look for my payment, would assist in any way. Just would not help in any way and additionally told me I needed to send in information in writting to find the status of my payment. I called my credit union to see my options, I was advised, nothing! Once a bill pay is sent, their hands are tied. IT is an approval for payment the can not stop it. Now I am here {$1100.00} missing and no one can help because this horrible company called XXXX mortgage dictated that I can only make a full payment of {$1800.00} or I am to pay nothing and have my mortage payment have the posibility of running late. I didnt even sign the contract with this company. I signed the contract with Trail Blazer Mortgage. But my account was transfered to this company that does not understand how to work with my budget and multiple co-signers. As I stated to the 4 representatives I spoke with. I am sure I am not the only one in the world who has to make a partial payment in order to make the best of my finances and having a co-signer. I live paychek to paycheck. The last thing I want to loose is my house after it has taken me this many years to receive because of some riduculous rule of all or none. Call me crazy but a payment to any lender is a payment at the end of the day what does it matter how many payments it took to obtain it. The goal at hand is for me to pay my balance in full for goods I received. Who are we hurting here if it takes XXXX or 4 payments.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

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 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3.00}, XXXX XXXX XXXX XXXX : {$5700.00}
Consumer complaint received 2024-05-31
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. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Consumer complaint received 2024-05-31
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-08-30
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: JPMORGAN CHASE & CO. (MN)

Subject : Dispute of Unauthorized Hard Inquires from JPMCB Card ( XXXX ) and XXXX XXXX XXXX on Credit Report Credit Reporting Agencies : XXXX, XXXX, and XXXX Date of Inquiries : XX/XX/XXXX, XX/XX/XXXX, ( XXXX Card ) and XX/XX/XXXX ( XXXX XXXXXXXX XXXX  ) Companies involved : Chase Bank and XXXX XXXX XXXX  XXXX XXXX : XXXX ( Dispute- Inaccurate Information ), XXXX ( Account not mine ) Details : I am filing this dispute to challenge the validity of XXXX hard inquiries that appear on my credit report : -JPMCB Card  [ XX/XX/XXXX ] -JPMCB Card [ XX/XX/XXXX ] XXXX XXXX XXXX  [ XX/XX/XXXX ] I did not authorize these inquiries, nor did they result in the issuance of any credit card or account. According to XXXX metro compliance guidelines, each inquiry must be tied to a legitimate credit request, which is not the case here. I request that these inquiries be removed from my credit report as they are in violation of XXXX metro compliance standards. Please investigate this matter and correct the inaccuracies. 

XXXX XXXX XXXX : This code addresses inaccurate or incorrect information in the credit report. The hard inquires from JPMCB CARD and XXXX XXXX XXXX are inaccuratley reported as I did not authorize them, and no credit was extended as a result. 
XXXX XXXX XXXX : This code indicates that the account or inquiry is not mine. Since I did not request or approve these inquiries, they should be removed from my credit report. I have only XXXX credit card that is through XXXX XXXX.
Consumer complaint received 2024-05-31
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. (NJ)

I am writing to formally request the immediate removal of an erroneous account reported by XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, XXXX ( DPT EDXXXX ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. XXXX  inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed.

The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. 

Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. 

Moreover, the case of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports. 

Given these legal precedents and the clear violation of federal law, I demand the immediate deletion of the disputed account from my credit report. I request that you provide written confirmation of the removal within 30 days of receipt of this letter. Failure to comply will leave me no choice but to escalate this matter by filing complaints with the FTC and possibly pursuing legal action for damages resulting from this negligent reporting. 

For your convenience, I have also included copies of my identification and recent credit reports showing the disputed account. I trust that you will handle this matter with the urgency and seriousness it deserves. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year>, I received a rental decision email from XXXX XXXX, an Apartment rental company in Washington XXXX XXXX. This email stated that their third-party credit screening company, XXXX XXXX, conducted a credit check for my apartment application, which returned an adverse action that neither XXXX XXXX nor Experian can explain why this adverse action was taken. I can not explain why this adverse action was taken either, which is why I am contacting the CFPB to request an investigation into this matter.
Consumer complaint received 2024-05-31
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. (AZ)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file will be appreciated. As of the moment I feel that the account on my file needs to be repaired. For that reason, I request that all of the attached inaccurate information listed in the account on my credit file be removed immediately : XXXX XXXX  Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00} The information for this account on my report is incorrect. Although the account is closed with a XXXX balance, it is being reported as past due. Please correct this immediately. Either provide evidence that the information is accurate or remove the erroneous entry.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have the security freeze active yet on XX/XX/year> I see an unknown Inquiry from XXXX  XXXX - Not only the Inquiry but a false dispute I never made for that Inquiry. XXXX XXXX is a fraudulent account, and now there are false inquiries Report Number : XXXX - In XXXX XXXX I disputed XXXX XXXXXXXX with all XXXX bureaus and on XX/XX/year> I attached the proof of the investigation results, with the same result from all XXXX bureaus, and then Removed on XX/XX/year>. It has been 90 days since the start of my dispute 60 days since the dispute result. capital one has not been fair in its actions. Experian seems to be the Only bureau allowing this to happen.