davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate. Nonetheless, furnishers who clearly and conspicuously provide an address for consumers to give notice of inaccuracies are exempt from this prohibition, unless the consumer has provided notice that information is inaccurate. And while the FCRA does not obligate furnishers to provide an address for the consumer to notify it of inaccuracies in reported data, furnishers who do so can not be held liable for inaccuracies in reported information if the consumer fails to notify the furnisher of the inaccuracies. Furnishers who regularly report information to CRAs about transactions with consumers also have an affirmative duty to notify the agencies of information the furnisher later determines is incomplete or inaccurate. 
YOU SHOW A DIFFERENT LAST PAYMENT AND CLOSING DATE PLEASE REMOVE THIS INACURATE ACCOUNT I AM ATTACHING PROOF POPULAR HAS A DIFFERENT DATE FOR LAST PAYMENT DATE LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD CREDIT CARD ENDING IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX PHONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

We disputed Specialized Loan Servicing 's ( SLS ) lies that we had an open and delinquent account, when we didn't. Our SLS account had already been closed and fully funded by our refinancing bank. 

However, SLS never returned our XXXX credit points to our XXXX, XXXX, and XXXX Credit Report. 

After we won our XXXX Credit Report dispute against Specialized Loan Servicing ( SLS ), we asked SLS to correct their incorrect account status on our XXXX Credit Report, and to return our XXXX credit points to our to restore our XXXX XXXX of XXXX. SLS corrected our account status. 

However, SLS never returned our XXXX credit points. We have done nothing wrong. A XXXX decrease is outrageous. This practice needs to stop. We work hard to get and keep our 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 — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/2024, I have requested online from all three credit reporting agencies ( XXXX, XXXX, and Experian ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent a certified letters to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, XXXX, and Experian ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my update credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from XXXX, who stated the information was updated but doesn't know why its not on the credit report. The rep asked me to wait another 30 days for an update. Experian and XXXX, stated they could not update via phone. I am looking for resolution for CFPB as they can potentially harm me from receiving government and personal documents.
Consumer complaint received 2023-11-03
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
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. (GA)

THE INFORMATION PRESENT ON MY CREDIT REPORT HAS NOT BE APPROVED OF VERIFIED BY ME In accordance with the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 section 602 A STATES : YOU NEED TO PROTECT MY PRIVACY.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : STATES : I NEED TO PROVIDE WRITTEN INSTRUCTIONS ( 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
Consumer complaint received 2024-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood securities LLC has refused to release my remaining funds with their company. Stating that they can not verify the legitimacy of remaining funds in the accounts as the reason for withholding funds and restricting the accounts. Robinhood fails to review or provide communication regarding the documents I submitted to them multiple times that verify the legitimacy of source of funds. These documents along with a cover letter notarized by a chase bank notary provide answers and a resolution to the problem Robinhood has with verification of remaining funds. Im submitting this complaint in order to request a documented reason for the refusal to release funds after Ive submitted documents verifying the legitimacy of remaining funds. I have attached the documents that prove and verify the legitimacy of remaining funds with this complaint.
Consumer complaint received 2023-11-03
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. (MI)

Delete XXXX XXXX service in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-07-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL (TN)

On this particular date XXXX XX/XX/year>, I put in the order for flooring from Lowe 's home improvement, this is the second time they have done this trick, they will take out the money out of my checking account which is with XXXX Bank, for the purchase that I made with Lowe 's online, and And before I pick up my items at lowes, they put the money back into the checking account, which is XXXX Bank, towards the end of the month when money is scarce, thinking I will spend the money causing a negative balance in my XXXX Bank account, But I don't believe is XXXX Bank doing that transaction I think it is synchrony bank doing a transaction in a chase account because Lowe 's is under synchrony bank so my complaint is against Lowe 's banking system who banks with Synchrony Bank, In my complaint is that they're pulling and crediting money in XXXX Bank to look like I have more money than I have and then on a Tuesday taking the money back out so it'll leave an overdraft in a chase account initiate by Lowe 's home improvement under Synchrony Bank 's banking system call me if you have any questions. 
Who : Synchrony Bank/Lowes What : crediting and removing credit a transaction XXXX in another bank XXXX bank When : on XXXX XX/XX/year> Saturday then again on XXXX XX/XX/year> Tuesday For a order thru Lowes on XXXX XX/XX/year> 2024
Consumer complaint received 2023-11-03
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. (MI)

Delete Eastern Michigan in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-11-14
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)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

Here is a rewritten version of the complaint in a format that matches the Consumer Financial Protection Bureau 's online submission form : *Complaint Category : * Bank Account or Service *Subcategory : * Account Closure *Company : * JP Morgan Chase Bank *Complaint : * I am writing to complain about JP Morgan Chase Bank closing all of my accounts, including my bank and credit card accounts, without any reasoning or explanation. I have been a customer in good standing for XXXX  years, always making timely payments and maintaining a positive balance. 

On [ date ], I discovered that all of my accounts had been closed, leaving me without access to my funds and credit. I have tried to contact the bank to understand the reason for the closures, but they have not provided any explanation. 

*Account Information : * - Account numbers:XXXX - Account types : Bank and Credit Card Accounts- Length of account history : XXXX  years *Desired Resolution : * I would like the Consumer Financial Protection Bureau to assist me in resolving this matter. I request : 1. An explanation for the account closures 2. Reinstatement of my accounts 3. Compensation for damages and inconvenience caused 4. Assurance that this will not happen again in the future *Contact Information : * - Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX MI XXXX - Phone : XXXX - Email : XXXX *Additional Information : * I have attached a copy of my account statements and correspondence with the bank. I believe that the bank 's actions are unfair and unjust, and I request that the Consumer Financial Protection Bureau take immediate action to address this issue.
Consumer complaint received 2023-11-03
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. (MI)

in accordance with the Fair Credit Reporting act 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2024-06-01
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. (TX)

3rd party collections company went out of business and the item in question has been verified and confirmed by XXXX and XXXX as invalid due to invalid date among other issues please remove item as agreed ASAP
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.Sunrise credit service {$1900.00}
Consumer complaint received 2024-05-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC (TX)

I was sent a letter saying I owed a medical debt from a company called Radius Global solutions. The paper list a non working website to dispute the bill. I called the company and was immediately transfer to a supervisor to immediate me. I told them I want to dispute this and would not allow me to dispute by calling. When I asked for proof I owed around XXXX. I get a letter from them a few days later and says they change it to around XXXX. And I need to pay XXXX to settle. I still don't have proof if this is a scam or if the debt is mine. This call was placed to them on XX/XX/XXXX at XXXX
Consumer complaint received 2023-11-14
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am current on my payments. I have asked for a hardship repayment plan which was granted. I have been making payments every month. However, they continue to report me as late. They received payments every month from me. I am not behind on any payments. However, the payment is not being applied to the balance due. The balance due is not updated. The interest rate was below 12 % apy when I applied. Now when I log in to upgrade.com the rate says 17.5 % and that I am delinquent. This is a violation of my privacy. Please fix my acount now. 
Thank you
Consumer complaint received 2023-11-03
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-03
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. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-29
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. (FL)

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2023-11-03
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items 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, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
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. (FL)

I'm a victim of identity theft, someone have my information and they are using my information to open credit cards accounts, I have requested to XXXX, XXXX and TransUnion to remove this faults information, pursuant to section 605B of the Fair Credit Reporting Act and they are refusing to remove base on a valid FTC, I am demanding that this information be block and remove from my credit report, because I have No knowledge who did this, the accounts they are refusing to remove is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00},
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (TX)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report for the 2nd time this year, previously in XXXX. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report, unless you want to be held to {$1000.00} per violation. In addition, there has been a violation of my rights according to FCRA, with violations of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2. Stating a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-07-29
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: CITIBANK, N.A. (OH)

I filed a complaint with cfpb XX/XX/XXXX, Citibank was notified and a temp credit was applied to the credit card pending review. After multiple calls and multiple bills, the credit has been removed and they are charging me for the transaction along with late fees. I did everything I could do starting from the immediate notification to Citibank on XX/XX/XXXX reporting the fraudulent transaction. I did not authorize the charge, I did not make the charge, i called Citibank multiple times and they dont seem to care that I immediately called to report the fraudulent charge when I was notified of the transaction while in XXXX XXXX insisting I am responsible. Please help me.