davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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 recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

A false charge appeared on my card. Citi denied my claim, but did not follow the requirements of the Fair Credit Billing Act in doing so. 

The Fair Credit Billing Act requires : 1. That Citi " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Citt 2. The act also requires Citi to provide me with evidence. Despite my written request, this was not done 3. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. 

I wrote to Citi about this on XX/XX/XXXX ( letter attached ) but my letter was ignored
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AK)

Cash app account open and a gambling account scammed the account that logged into my bank account and debit cards my phone was stolen and cash refuses to do anything about the scammed money from gambling account but yet it's there policy to close and refund all money that's transferred through the gambling account over XXXX dollars was taken and I disputed it and made them aware they then came XXXX after I complained to the better business bureau about it with they sent and email asking for the phone that was used the account and I've literally already disputed the account with them and talked to there support I have no clue any information there asking the phone was stolen and the money is blatantly transferring out and apoun notifying them off this account after I got new phone with my phone number and found the account they unlinked the cards and accounts from it nothing more
Consumer complaint received 2023-12-21
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. (AR)

I am writing to formally file a complaint regarding the persistent and unsuccessful attempts to remove an unknown inquiry from my credit file. Despite multiple efforts to address this matter, the inquiry remains unresolved, causing unwarranted damage to my credit profile and financial standing.

There is an unauthorized inquiry on my credit report that I have been attempting to dispute. I have made several attempts to have this inquiry removed, providing supporting documentation to confirm its unauthorized nature.

Despite my repeated attempts to resolve this issue by following the established dispute procedures, the unknown inquiry persists on my credit report. Previous dispute requests have not resulted in a satisfactory resolution.

The presence of this unknown inquiry is negatively impacting my creditworthiness, affecting my ability to obtain credit and secure favorable interest rates. This situation is causing unnecessary stress and financial difficulty.

I request that you conduct a thorough and expedited investigation into the unknown inquiry on my credit file. Attached are copies of the supporting documentation that confirm the unauthorized nature of this inquiry.

Additionally, I insist on clear and timely communication throughout the resolution process, and I expect a written confirmation once the investigation is complete. It is crucial for me to receive assurance that this unknown inquiry will be promptly and permanently removed from my credit history.

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I was a victim of Equifax Data Breach and these accounts need to 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
Consumer complaint received 2023-12-21
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. (GA)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts to rectify this issue, the inaccurate information continues to tarnish my credit history, causing significant distress and impeding my financial well-being. There are multiple fraudulent items present on my credit report that are negatively impacting my creditworthiness. I have submitted dispute requests on several occasions, providing supporting documentation to verify the fraudulent nature of these items. I have made multiple attempts to address this issue by following the established dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items persist on my credit report. The presence of these inaccuracies has severe consequences for my financial standing, affecting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. I am formally requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. Furthermore, I insist on clear and timely communication throughout the resolution process and a written confirmation of the corrections made to my credit file. It is imperative that these fraudulent items are promptly and permanently removed to restore the accuracy of my credit history. If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no choice but to escalate this complaint to regulatory authorities and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Our mortgage lender PenFed did not contact us in a reasonable manner about a payment that was reversed. There was never a voicemail, email or secure message on the account online. In fact the account statement says it was paid on time. We have called them and asked why they would not communicate properly on such an important matter. Calling from a XXXX number and not leaving a single voice mail leaves me very suspicious of this lenders practices and that they were trying to not give us the information so we would be late on a payment and they know if anyone is late XXXX  times then they can take the house. 
This is all over the news that banks are doing this and I am very frustrated that this is allowed in this country. 

We found out about the payment because our credit report was sent to our email telling us, not Pendfed. Once we found out we immediately paid. If this doesn't speak volumes that we never intended on not paying our mortgages. We were properly contacted and then it was immediately rectified. 

I want to get this fixed and I want to make sure no other lender does this to another person. They are bullying the public and I am not going to stand for this. They have ruined my life, credit, future and I will take this to the next level
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in their handling of my credit report. 

The specific issues are related to two accounts : XXXX ( Account XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX ). Experian has repeatedly verified inaccurate information on these accounts, despite my disputes and requests for a thorough investigation. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX This account shows multiple charge-offs, which is factually impossible and misleading. This indicates a failure in Experian 's investigation process, causing me undue financial harm. 
XXXX Account XXXX XXXXXXXX : This account is inaccurately reported as both " Paid in settlement '' and as a " Charge-off, '' which is contradictory. This suggests a lack of proper review and verification by Experian. 
Despite my repeated attempts to resolve these issues directly with Experian, they have failed to provide adequate responses or rectify the inaccuracies. This not only violates the FCRA but also significantly impacts my financial standing and creditworthiness. 

I request the CFPB 's intervention to ensure a proper and fair resolution. Experian must be held accountable for their actions, and I seek the removal of these inaccuracies from my credit report.
Consumer complaint received 2023-12-21
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. (IL)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, XXXX, equifax This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-12-21
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. (AR)

I am writing to express my dissatisfaction and concern regarding the inaccuracies in my credit file, specifically relating to the reporting of late-open accounts. Despite my previous attempts to address this issue, the late-open accounts continue to be inaccurately reflected on my credit report, impacting my credit score and financial well-being.

The credit file currently includes late-open accounts that are not reflective of my credit history. These inaccuracies are damaging my credit score and affecting my ability to secure favorable terms on loans and credit applications. 

I have previously submitted dispute requests regarding the late-open accounts, providing supporting documentation to validate my claims. However, the corrections have not been made, and the inaccurate information persists. 

The presence of these inaccuracies has led to unfavorable credit terms and may have negative consequences for my financial future. It is imperative that these late-open accounts be corrected promptly. 

I kindly request that you conduct a thorough review of my credit file and take immediate action to correct the inaccuracies related to the late-open accounts. I have attached copies of the supporting documentation for your reference. 

Additionally, I expect clear and timely communication throughout the resolution process, and a written confirmation of the corrections made to my credit file. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no alternative but to escalate this complaint to regulatory authorities and seek legal advice to protect my consumer rights. I am asking for your assistance to correct these late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00}.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX WAY XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX WAY XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX JUDGE XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, transunion, XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of EdXXXX I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing AGAIN to express my deep frustration and annoyance regarding the inaccurate reporting of an account on my credit file. It is disheartening that your bureau has not followed suit with its counterparts in promptly addressing and rectifying this matter. The account in question pertains to XXXX XXXX XXXX XXXX, with the account number XXXX and an open date of XXXX/XXXX/2014. Astonishingly, while XXXX and XXXX have acknowledged and rectified the inaccuracies related to this account, your bureau persists in reporting it erroneously. I want to emphasize that, as the victim of identity theft, it is perplexing why your bureau has not complied with the law in promptly addressing and rectifying the reporting errors. The law mandates accurate reporting, and it is both confusing and frustrating that your bureau seems to be an exception. XXXX and XXXX have already acknowledged the error in reporting this account and have taken corrective action. I am bewildered by the apparent lack of verification on your end, especially when other major credit bureaus have successfully addressed this issue. I am ANNOYED by the continued disregard for my rights as a consumer and the persistent failure to comply with reasonable requests for accurate reporting. This issue has caused me extreme frustration, and I insist on a swift resolution to rectify the inaccuracies related to the XXXX XXXX XXXX XXXX account on my credit report.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received a letter from this company stating they used my information to submit an application on my behalf in XX/XX/XXXX. 

They stole my identity and information for use of their own benefit. They lowered my credit score by fraudulent practices for their own benefit costing me careers, education, other financial services opportunities such as getting a bank account or credit card, a car and a mortgage. They directly impacted my life in a manner that cost me and my child ( ren ) their livelihood. 

They also ran my social security number over eleven times in XXXX and refused to acknowledge any of their mistakes instead stating that I was crazy. They would often gaslight me and say that calls I had with them did not happen though I recorded some of them and my account from my phone company does in fact reflect the calls were made. They have caused me mental anguish, anxiety and a loss of faith in the credit system and banks.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent numerous letters to the credit bureau and they continuously fail to make corrections to my file. Instead they use stall letters, and claim that a 3rd party sent the letter. They refuse to investigate and send proof of investigation to me even after more than 5 request in the past 12 months. 

Please refer back to the many letters I have sent in the past 12 months.