davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (NV)

Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within four business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-01
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)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 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 if, 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 XXXX XXXX ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bringing the sum of all charges so I can not be penalized for something that is already paid in full.

15 USC 1666b ( 4 ) ( 5 ) - The companys failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance ) Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 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 if, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-04-30
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2018-05-18
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TCF FINANCIAL CORPORATION (MI)

Dear Sir or Madam My Mom passed XX/XX/XXXX. I was a co signer on a loan for Her. The Estate properly notified for all debtors to collect through the probate court as required by Law. Not once did I receive a notice that the account was delinquent or in jeopardy of prosecution as a co-signer. I received paperwork the month of XX/XX/XXXX two years later which was XX/XX/XXXX.The Estate was long disbursed. I responded to the letter personally thinking that the Holidays would not count in a 21 day response time. XXXX XXXX filed a default judgement and emptied my bank accounts and my childrens bank account to the Tune of {$10000.00}. They have placed a Judgement on credit report for over {$50000.00}. My Moms balance on the loan was roughly {$18000.00}. These are userous interest and fee charges. These are not upstanding business practices.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Unauthorized Hard Inquiry Dear Sir or Madam : I am writing to dispute an unauthorized hard inquiry that appears on my credit report. I have carefully reviewed my credit report and found the following inquiry that I do not recognize : Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard Inquiry Creditor Name : XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard Inquiry Creditor Name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Type of Inquiry : Hard Inquiry I did not authorize this inquiry, nor did I apply for credit with this company. As such, I believe this inquiry to be erroneous or potentially fraudulent.

Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Investigate this unauthorized inquiry 2. Remove this inquiry from my credit report if it can not be verified as legitimate 3. Provide me with the results of your investigation Furthermore, in accordance with 15 U.S. Code 1681i ( a ) ( 6 ) and ( a ) ( 7 ), I request that you provide me with : 1. A statement that the reinvestigation is completed.

2. A copy of my credit report based on my file as revised.

3. A description of the results of the reinvestigation.

4. A notice of my right to add a statement to my file disputing the accuracy or completeness of the information.

5. A notice of my right to request that your agency furnish notifications under subsection ( d ).

6. A description of the procedure used to determine the accuracy and completeness of the information.

7. The business name and address of any furnisher of information contacted in connection with the disputed information.

Please respond to this request within 30 days of receipt, as required by the FCRA. If you find that this inquiry is indeed unauthorized, please remove it from my credit report and send me an updated copy of my report.

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

At XXXX  somehow i was in the XXXX group for trading ( stock and XXXX  ). They guide us how to trade, how to create the account. I did accordingly. I transfer money from my XXXX XXXX  account to Coin base XXXX, and bought XXXX and send that into XXXX XXXX XXXX XXXX XXXX  ), which is a broker for XXXX trading. They use the XXXX XXXX app for trading. Once i start trading i trade lot and i win lot money, and when i try to get withdraw they ask for capital gain tax XXXX  %. That time i have some doubt about the tax. And i start searching about that broker, but couldn't find that much information. I try to finf their office location and contact information but there is no phone number. they do have email and live chat only. I send them email but no response. and i try to live chat in their site but their there is no response. That time i get fully confirmed that i get scammed.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC. (AL)

I was shocked when I reviewed my credit report and found the late payment on the dates below : 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have information on my credit report that does not belong to me. I contacted the bureaus, but they did not remove the accounts from my credit report. 


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Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I had an account with Truist bank. My colleague and friend XXXX transaction to me a total of {$2200.00} split in two transactions. One for {$1000.00} and one for {$1200.00}. Truist fraud department froze my account for " suspicious zelle activity ''. I called the fraud dept and explained the situation. My colleague and friend, called the fraud dept and explained the situation. Truist refuses to disperse the funds into my account to withdrawal. 
I was receiving this money for my rent. I now face eviction and homelessness due to truist continuing to hold my money. There is zero fraud happening. XXXX refuses to explain why they are continuing to hold the money and have given zero information on what to do at this point. They froze my account because my friend sent me two XXXX transactions. How is this right? I need representation to fight this as I am now going to lose my home.
Consumer complaint received 2024-07-04
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. (HI)

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this account. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my account and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated this account on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-18
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: LEXISNEXIS (OR)

Please see attached response from Lexis Nexis. This company has been reporting to STATE LIENS, that belongs to someone else with the same or similar name. I disputed these with them and they did not remove the invalid information from my credit report. This is a total violation of FCRA. This is my last resort before taking it further and having a legal counsel involved. Also Attached to this complaint are copies of my IDs proving that these items do not belong to me or I am not the person they are reporting this lien for.
Consumer complaint received 2024-08-22
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I received a notification from my XXXX account that there was a hard inquiry on my credit on XX/XX/XXXX by Barclays Bank Delaware. I attempted to contact the company with no success as they do not have a customer service department. I did not authorize a credit check nor have I looked for any credit in months. I want this removed from my credit report immediately. They are a scam company.
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MI)

MIDLAND CREDIT MANAGEMEN has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me MIDLAND CREDIT MANAGEMEN has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures XXXX result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FISERV INC. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GLOBAL PAYMENTS DIRECT INC. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: United Shore Financial Services, LLC (GA)

This complaint is to reopen an existing complaint that I find has been closed out prematurely. Please see the following complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Mortgage ISSUE Closing on a mortgage Not only do I want the investigation to continue, but I just learned a few days ago, that for my reasons and other related reasons, a class action lawsuit was filed in a few other states against UWM XX/XX/year>, only a few weeks after my closing. This is not a coinsidence. 

Please advise as to how I can proceed further
Consumer complaint received 2023-08-03
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. (NJ)

I contacted XXXX XXXX and Experian about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them