davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Subject : Complaint Against XXXX for Inadequate Investigation Under the FCRA Dear Sir/Madam, I am writing to file a formal complaint against XXXX for failing to properly follow the Fair Credit Reporting Act ( FCRA ) in handling my recent dispute regarding an entry on my credit report from CCS Collections for {$XXXX.00}. 

Background : On XX/XX/2024, I submitted a dispute to XXXX about the XXXXXXXX XXXX account, challenging its validity. Astonishingly, XXXX responded on XX/XX/2024, claiming the dispute was resolved. Given the complexity of such disputes, it is implausible that XXXX conducted a thorough and fair investigation within just 24 hours.

Verification Efforts : In my effort to resolve this issue, I contacted XXXXXXXX XXXX  directly via their website, XXXX XXXX XXXX, to obtain their telephone number. On the morning of [ Date ], I spoke with a representative from XXXX Collections for 13 minutes. During this conversation, it was confirmed that the information on my credit report is not valid. 

Issues : Inadequate Investigation by XXXX XXXX XXXX  failed to conduct a proper and thorough investigation into my dispute. The rapid resolution within 24 hours suggests a lack of due diligence and a violation of the FCRA 's requirement for a reasonable investigation. 
Confirmation from XXXX XXXX  : My conversation with a XXXXXXXX XXXX representative confirmed that the {$XXXX} debt reported on my credit report is inaccurate. 

Request : Removal of Incorrect Information : I request that the inaccurate XXXXXXXX XXXX  account be immediately removed from my credit report. 
Proper Investigation : I request that XXXX  conduct a thorough and fair investigation into my dispute, as required by the FCRA. 

Compliance with FCRA : I ask that the CFPB ensure XXXX complies with the FCRA in handling credit report disputes to prevent such issues from recurring. 

I have enclosed a screenshot of the number I called and the duration of my conversation with XXXXXXXX XXXX, along with the details of XXXX  's dispute resolution that was supposedly completed in less than 24 hours.

Thank you for your prompt attention to this matter. I look forward to your response and a resolution.
Consumer complaint received 2024-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-10-26
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. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX  XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX fXXXX and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have recently checked my credit report for TransUnion and noticed there was an unauthorized hard inquiry stamped onto my credit report. Subsequently, I directly called TransUnion in terms of knowledge upon this account and they were explicit about receiving a letter from the creditor itself upon requesting removal. This hard inquiry has been discovered without my full consent and would immediately need to be removed from my credit report as there has been no position in place of an account I currently have not inquired about. 

Inquiry Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
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 sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. XXXX XXXX. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/23 I received notice that a credit inquiry was made under my name and information. I did not apply for new credit but upon calling JPMorgan Chase, I learned that someone open a credit card in my name. JPM has stated that this will be investigated and the card will be cancelled. I am awaiting confirmation through mail.
Consumer complaint received 2023-09-18
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. (MS)

In Accordance with the fair credit reporting act XXXX Account number XXXX ( XXXX XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

I responded by phone to a mail promotion from Citibank to open a Citi XXXX XXXX XXXX Account. I used the personal invitation code provided in the document XXXX. The promotion offered a {$450.00} bonus on new funds over {$50000.00} that remained there for 60 days. The application was received by them for the opening of account XXXX on XXXX XXXX XXXX Funds well in excess of that amount were deposited on XX/XX/XXXX ( per statement ) remaining there until XX/XX/XXXX. I called several times inquiring when my bonus would be paid and on XX/XX/XXXX was told ( by XXXX ) I met all the requirements and would see the bonus in no more that 15 days. I then received a letter saying I did not open the right kind of account, although all I knew from the mailing was to open the account as titled in the mailing using the invitation code to qualify. I called to appeal speaking with XXXX ( XXXX ) and received a letter mentioning a promotion code not mentioned in the mailing. I called again to complain and again received the same letter. 
After 5 months of calling Citi for the {$450.00} I transferred the balance to another bank but feel I fully met the terms of their offer and am entitled to the bonus.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. this has been an ongoing issue that needs to be resolved. looking over my credit profile ive noticed all data is reporting illegal an fraudulent information. please review the listed items an please report an delete all information listed to help clear my credit report asap.
Consumer complaint received 2023-09-17
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX  XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX XXXX and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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. 

Inquiries XXXXXXXX XXXX XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX XXXX XXXX - Incorrect Current XXXX XXXX XXXX  - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (RI)

I applied for forbearance and was approved on XX/XX/2023, until XX/XX/2023. I haven't logged into my account since I applied for forbearance until today. When I checked my messages, I found a letter stating that I requested to cancel my forbearance plan on XX/XX/2023. I never requested to cancel it, as I had just applied for it and was approved. It's perplexing that it shows I requested cancellation when I haven't spoken with PennyMac since before my initial request, and I hadn't logged in during that time. How was my account accessed, and why was my request canceled?
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-05-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CW Financial (CA)

I was trying to resolve a payday loan I had that was sent to XXXX XXXX. I had been paying biweekly, and then weekly consistently for some time. Back in XXXX, a payment didn't go through and I was told they couldn't help me. I wasn't allowed to change my payment schedule because they said I had changed it too many times before, which is fair. I had tried contacting them, and had left voicemails, and no one reached out to me. I received a call at the end of XXXX and set up payment arrangements again. I had informed Mr. XXXX that my job doesn't pay on a normal bi-weekly schedule. I'm paid every 15 days. My last {$200.00} didn't go through. It came from my card as a pending charge, but XXXX said it declined. I called, left a voicemail and asked them to try once more before I could change cards. I received a new voicemail that said I needed to call directly. It came from an Unknown Number, so I couldn't call it back. I called the number I had saved and left another voicemail. Today, XX/XX/XXXX, I received a call saying I would be served papers XX/XX/XXXX. I called to see what was going on, and was asked if I had the {$330.00}, which is {$130.00} more than what I owe. I explained the issue with my card and her response was " So, you don't have it? '' She told me that they were no longer going to assist me and that I should've been served a long time ago and she wasn't sure why they hadn't. Which I felt wasn't necessary. I asked her if I could speak to Mr. XXXX because I wouldn't be in town on the XXXX, and she said no because he didn't work in that office. He also had called from an Unknown Number, so I couldn't call back from my phone, and she wouldn't provide any information for me to talk to him. Basically, they win the judgement because I won't be in town when the papers are served, and I was told that I can't reach out to anyone. I've been trying to pay this off, and I did fall off on payments once I lost my job in XXXX, but the communication has been awful. And when they call, they call from unknown numbers so I don't anwer. XXXX XXXX XXXX number is XXXX ( this is the number Mr. XXXX gave me in my voicemail ). The number I originally had for them is XXXX.
Consumer complaint received 2023-09-18
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. (IL)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-09-18
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. (IL)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter off on XX/XX/2023, to remove personal information that I don't want on my credit report. Here are my tracking numbers : # XXXX # XXXX. 

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 6802 no financial institution is supposed to share my information to 3rd parties.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CA)

i deposited a check on sunday XX/XX/XXXX and citibank said that the check would be cashed on monday XX/XX/XXXX but then they tell i have to wait till tomorrow just for not to be showing in my account and then just to wait till today and then just for them to tell me with a attitude that i dont know protocol that the girl i talked to didnt know what she was talking about and that now i have to wait till tomorrow and that there is nothing they can do but wait i hate citibank they have have been horrible since i first made this account.i have had so many problems with them from discrimination to disrespect