davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I submitted an online dispute with Experian to update my personal information. I disputed incorrect addresses, phone numbers and my name. I even uploaded a copy of my drivers license which has my correct name and address. Experian did not update it. I then sent Experian a letter in the mail asking to update my personal information and I included a copy of my drivers license as well. Experian sent me an email on XX/XX/XXXX saying they verified that the information is correct, but it is not. As of today, XX/XX/XXXX, the inaccurate information is still on my credit report.
Consumer complaint received 2024-04-28
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. (TN)

accordance with the fair credit Reporting act XXXX Bank XXXX XXXX Bank has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-04-29
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. (OH)

My data was involved in various data breaches, XXXX Data Breach, Transunion Data Breach, and XXXX Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the Transunion XXXX or XXXX.
Consumer complaint received 2018-01-11
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. (PR)

I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXXXXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX BANK XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.
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. (NC)

To Whom it May Concern, In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my consumer report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) XXXX is in violation of not reporting 100 % accurate and not reporting at all. 

On XX/XX/2022 I sent in a dispute letter to XXXX asking them to verify a bankruptcy they are reporting on my credit report, I never recieved a response. 

I also disputed the same bankruptcy with TransUnion and XXXX. 
XXXX deleted the bankruptcy, meaning they couldnt verify it. 
I'm still battling with TransUnion on this matter. 

On XX/XX/2022 I sent in another dispute letter to XXXX making them aware that if they don't respond or comply with my dispute letter I would file complaint with the CFPB, the XXXX, and the Attorney General 's office and sue for damages.

I still haven't recieved a response. Instead they deleted my whole credit report and score. They haven't been reporting for the past 4-5 months. ( see attachment ) I have been reaching out to them to try to fix this matter ( dispute letter attached ), but unfortunately they won't respond.

I need your help with this matter.
Consumer complaint received 2023-07-11
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: Conn's, Inc. (CA)

Im have not applied, nor signed or authorized or opened any Conns Account. I have disputed this fraudulent account # XXXX with Conns via mail and have not heard any feedback from Conns. I have asked Conns for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. Conns did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. Conns continues to report this fraudulent account on my credit report.
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. (NY)

I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX  and an open date of XXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX. I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXX XXXX  XXXX account on my credit report and take the necessary steps to rectify the error promptly. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
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. (NV)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to file a complaint against XXXX XXXX XXXX and Experian regarding the handling of an alleged debt on my credit report. Despite my efforts to dispute the debt and seek verification, both entities continue to report the debt without providing the necessary proof of its validity. 

Details of the Complaint : XXXX XXXX XXXX : Account Number : XXXX Alleged Debt : Medical in nature Date of Dispute Letter : XXXX Violations : Failure to provide verification of the debt within the mandated 30-day period. 
Continuing collection activity without proper validation. 
Possible false representation of the debt. 

Experian : Account Number : XXXX Alleged Debt : XXXX XXXX XXXX, Account Number XXXX Date of Dispute Letter : XXXX Violations : Failure to conduct a reasonable investigation into the dispute. 
Reporting the debt as verified without providing proof of its validity. 
Failure to update information accurately.
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. (TN)

See attached for more info. 
complaint numbers about this illegal matter ; 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. (TX)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

my business is in California, but I live in Arizona, I wanted to have a get togther and business meeting, a family friend recommended a pizzeria that provides such services. The owner of the place request to have who amount upfront plus to put a credit card on file. Since it was a referral did not make much of it. Deposit was to be around XXXX. However, problems started from there, few days later I looked and i was charged around XXXX, when i contacted the owner via text message he said he will look into it and get back to me, but the issue was not resolved. I started to get frustrated and asked to cancel the service all together. XXXX or XXXX asked for a week to refund I said okay. Two weeks later i filed a dispute with my bank and sent them the text messege which included information about correcting the amount charged and the he will refund. Bank came back to me stating that I was actually there and used his services. I explained to the bank I was in a different state. They send me documents that I signed the reciept, I told them that is not my signature, and that I have also been banking with them and they can see that my signature has been different. Until today i have not got my issue resolved and its still pending investigation. I opened a complaint with XXXX XXXX  Office of Consumer Protection Agency but I havent gotten a response, either. 

Department of Consumer and Business Affairs. 

Your case number : XXXX This issue is with Chase bank XXXX 

Please advise what I can do
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. (CA)

I am a victim of identity theft as my social security number and my driver 's license number has been compromised. Multiple unauthorized inquiries were made using my personal information. I have officially filed a notarized identity theft victim complaint and affidavit, as well as an FTC ID Theft Report. Both of which I will be attaching in this complaint. 

The following listed inquiries were not authorized by me and I am requesting they 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
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MA)

My Wells Fargo bank account was due to get my direct deposit. I got the paystub from my job, showing it was pending ( the deposit ). My banking app showed the transaction pending as well. This morning, upon checking my account, it showed {$0.00} in both my checking and savings account! The transactions show that they applied overdraft protection from both my savings account and credit card. I DO NOT want this as this should NEVER have occurred. I do not want over draft protection impacting my credit score negatively! This is apparently happening across the country too! Please help me find a way to rectify this situation as nothing seems to make sense at all with my account statement ( i am very very careful ). 

Best, XXXX
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P. (CO)

My son got a phone call on his phone stating they were trying to contact me about a debt. I called them back and was talked horribly. The debt in fact had been paid of With LVNV funding. We settled on an amount and I paid the debt. I then asked him to send me proof of ownership. And he just kept going back to I owed {$400.00}. This card was paid off in XXXX of XXXX. He then proceeded to ask me for proof, do you have proof you paid it off. Well of course not, I hung on to the letter they sent me showing the debt was paid in full for about XXXX yrs and then got rid of it. 
Case number XXXX
Consumer complaint received 2023-04-29
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. (IL)

XXXX XXXX XXXX XXXX

TO WHOM IT MAY CONCERN
I recently received a copy of my XXXX  credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX  ACCOUNT NUMBER XXXXXXXX
LATE PAYMENT DATE XXXX  
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(A) In general
Subject to subsection (c) Any consumer reporting agency may furnish a 
consumer report under the following circumstances and no other:
(2) In accordance with the written instructions of the consumer to whom it 
relates.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2023-04-27
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LoanCare, LLC (CA)

This complaint is about XXXX XXXX XXXX XXXX XXXX and Loancare. LLC ( the subservicer ). On XX/XX/2023, I received a call from a fake XXXX XXXX XXXXXXXX number asking me if I authorized someone not related to me to cash in a check. I said no and they informed me that they would be voiding the check as it was fraud. I asked who was trying to do this and they said they could not provide me with any information about that, but that it was being cashed in California. I immediately called XXXX XXXX XXXX XXXX XXXX to notify them that someone tried cashing in the check they sent me. They informed me that they could send me another check, but that they could not do that until 30 days from the date the check was issued, which was XX/XX/XXXX. I called back on XX/XX/XXXX and they confirmed that they were mailing me another check. On XX/XX/XXXX, after not receiving the second check, I called again. They told me that they did not send out a second check because the original check was cashed on XX/XX/XXXX. I was shocked and told them that this should not have happened, as I alerted them on XX/XX/XXXX about the fraud. I asked for a picture of the endorsed check and they sent me a picture with the endorsed part cut off. When I asked for another picture, they put me on a long hold and proceeded to send me a picture with someone else 's name on the endorsement section. I have contacted XXXX XXXX XXXX XXXX XXXX many times asking for the money they owe me for my escrow refund, but each time they give me conflicting stories. They even had a stranger 's phone number attached to my account : XXXX. They tell me they need to finish their investigation and then they will see if they can give me the money I am owed. XXXXLoancare owes me my escrow refund of {$4900.00} and it is clear to me that they never sent me a check and are giving me the run around. I am requesting that I receive the money I have been owed since XXXX immediately.