davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (CA)

I am not aware of this account. I have reached out to 3 credit bureaus and XXXX XXXX XXXX to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have XXXX XXXX XXXX that I have no account with them and 3 credit bureaus can simply remove it from my credit. 


I was just able to take a look at my credit report, and am stunned, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-19
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. (IL)

I am writing to formally lodge a complaint concerning a persistent issue with my credit report that has severely impacted my financial well-being. Despite my efforts, this matter has remained unresolved since XX/XX/XXXX. 

In XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report, with the account number XXXX. Despite numerous attempts to rectify this issue with the credit bureau, including providing all necessary documentation, the account has been reinserted into my credit report. This ongoing issue has caused me significant stress and frustration. 

In an effort to resolve this matter and alleviate the associated stress, I decided to pay the account, despite its fraudulent nature. However, the account remains on my credit report with the following details : Current Payment Status : In Collections/Charge-off ( 15 USC 1681i ) Remarks : Payment after charge off/collection ; Dispute resolved; reported by grantor ( 15 USC 1681s-2 ) Times XX/XX/XXXX Days XXXX : ( 15 USC 1681i ) Closed As Of : XX/XX/XXXX Additionally, the credit bureau removed the account at XXXX point XXXX only to reinsert it later. This cycle of removal and reinsertion led me to pay the account in hopes of resolving the issue, but the account remains unresolved. I also requested validation from the creditor and completed an identity theft affidavit, yet the account persists on my report. 

For your reference, I previously filed a complaint on XX/XX/XXXX, under COMPLAINT ID XXXX & XXXX. However, the response addressed a different account, an auto loan with reference number XXXX. The account I am disputing is the XXXX XXXX account mentioned above. 

Thank you for your attention to this matter. Please contact me if you require any additional information or documentation.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to formally lodge a complaint concerning a persistent issue with my credit report that has severely impacted my financial well-being. Despite my efforts, this matter has remained unresolved since XX/XX/XXXX. 

In XX/XX/XXXX, I discovered a fraudulent Capital One account on my credit report, with the account number XXXX. Despite numerous attempts to rectify this issue with the credit bureau, including providing all necessary documentation, the account has been reinserted into my credit report. This ongoing issue has caused me significant stress and frustration. 

In an effort to resolve this matter and alleviate the associated stress, I decided to pay the account, despite its fraudulent nature. However, the account remains on my credit report with the following details : Current Payment Status : In Collections/Charge-off ( 15 USC 1681i ) Remarks : Payment after charge off/collection ; Dispute resolved; reported by grantor ( 15 USC 1681s-2 ) Times XX/XX/XXXX Days XXXX : ( 15 USC 1681i ) Closed As Of : XX/XX/XXXX Additionally, the credit bureau removed the account at XXXX point XXXX only to reinsert it later. This cycle of removal and reinsertion led me to pay the account in hopes of resolving the issue, but the account remains unresolved. I also requested validation from the creditor and completed an identity theft affidavit, yet the account persists on my report. 

For your reference, I previously filed a complaint on XX/XX/XXXX, under COMPLAINT ID XXXX & XXXX. However, the response addressed a different account, an auto loan with reference number XXXX. The account I am disputing is the Capital One account mentioned above. 

Thank you for your attention to this matter. Please contact me if you require any additional information or documentation.
Consumer complaint received 2024-08-14
Product: Credit 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: DISCOVER BANK (CA)

Unauthorized credit card charges were made on my discover credit card. I immediately called and reported the card lost and filed a police report. 
Discover is refusing to refund the unauthorized fraudulent credit card charges.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address the ongoing violations of consumer protection laws and statutes by TransUnion, LLC, regarding the handling of my credit report dispute. 

Despite multiple good-faith attempts to dispute inaccurate information, TransUnion has failed to conduct a meaningful investigation as required by law. On XX/XX/2024, I initiated a dispute through TransUnion 's online portal, providing detailed documentation from the creditor, XXXX, confirming the disputed charge was a billing error. This dispute was closed on XX/XX/2024, without any substantive action taken by TransUnion. 

Upon contacting TransUnion directly, I was instructed to resubmit the dispute, which I did on XX/XX/2024. Yet again, TransUnion issued an automated response and closed the investigation on XX/XX/2024, claiming the information was verified. This is patently false, as the evidence clearly demonstrates the charge is erroneous. It is impossible for a reinvestigation to be completed within a single day, especially when the dispute involves multiple parties and requires gathering information from external sources. 

TransUnion 's repeated failure to conduct a reasonable investigation, as well as their reliance on automated responses and form letters, constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection statutes. Specifically, TransUnion has violated : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable investigation after receiving notice of a dispute from me.

15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports.

15 U.S.C. 1681i ( f ) by failing to provide me with a summary of the results of the reinvestigation.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Attached is a copy of XXXX XXXX XXXX asking XXXX XXXX TransUnion to delete this XXXX. Account number XXXX, this transmission took place XX/XX/year>, again this transmission was transmitted XX/XX/year>, XXXX ID XXXX.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

I had an unauthorized purchase on my XXXX acct, I call them and they told me to go thru my bank for a refund. 
they also said that they don't have a fraud dept and said there's nothing they can do as they feel it was authorized because it came out of my account, which makes no sense. I never have purchased anything that expensive ever from them. So I called the bank Truist and file a fraud claim. Tried to explain what was going on and that I was never notified of such a big amount on my account as I have set up. Told them that this amount XXXX was not mine and its unauthorized. And that it needs to be refunded as I am a XXXX  and on a limited income. I needed my funds to pay my bills and that this is not my purchase this was a fraudulent one. They denied telling me basically that I was lying and it was authorized. They used the excuse that I had one unauthorized before for a small amount and that this one is part of that even though its months ago. Which is nonsense, I even managed to get the shipping address from XXXX which isn't mine, to give to the bank to check into but they did not. They just said no, they would not refund my money no matter what I said, how insulting and degrading to a XXXX  who lives on a limited income and call me a liar. I need my money back in my account that is all I have to live off of. I need someone help to get this fixed. The bank is very cold and stonewalled me with it all.
Consumer complaint received 2023-03-15
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

XXXX XXXX Tue XXXX XXXX XXXX  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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have tried multiple times to fix this issue With This consumer reporting agency because my name is spelt incorrectly, multiple times on my credit report. There are multiple variations of my name that are inaccurate. I only have one name. 
My name is : XXXX XXXX XXXX I WANT ALL VARIATIONS OF MY NAME, OTHER THAN THE ONE LISTED ABOVE REMOVED FROM MY CREDIT REPORT IMMEDIATELY BECAUSE IT IS DAMAGING MY ABILITY TO OPEN AN ACCOUNTS
Consumer complaint received 2024-06-29
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. (AZ)

I am submitting to file a complaint regarding fraudulent activity on my credit report. After researching how to address this issue, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX XXXX XXXX to file an identity theft report. According to FCRA Section 605b, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-29
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-29
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)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove 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
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The first XXXX XXXX missing payments ( dlinquency ) date should be XX/XX/XXXX. I was put on card delinquency payment plan following none payment in XXXX, XX/XX/XXXX. My card account was in delinquency statues and could not use the credit card starting from XX/XX/XXXX after missing payment in XXXX, XXXX, XXXX. They put me into a delinquency repayment plan started from XX/XX/XXXX, I could not continue the payment plan started in XX/XX/XXXX and they again put me into the dilinquency second payment plan in XX/XX/XXXX after missing payment in XXXX, XXXX and XXXX in XXXX. In summary, the first missing payment ( delinquency ) date was XXXX, XXXX for this account And it should stay in the credit record until XXXX, XXXX. However, XXXX  made an error by determining it will stay in the record until XX/XX/XXXX.
Consumer complaint received 2024-08-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC (IL)

We took out an FHA loan with a 7 % down payment. We thought we could have the PMI removed when we got the LTV below 80 %. Now that we are well below the threshold, we learned that we should have put at least 10 % down to be eligible for the PMI to be removed, and that we are stuck with paying $ XXXX every month for the remainder of the loan simply because we didn't put down an extra 3 % at closing. We would have put 10 % down had anyone told us this rule, but no one did. Now, we are being told that we have to refinance into a 7 % rate to get rid of the PMI. Our LTV is about 56 %, we have never missed a payment, but have made extra payments instead. We shouldn't have to pay PMI any longer, or refinance to get out of it, because our mortgage officer didn't know to explain the rules better to us.
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (OK)

Logins to the site dont work as they apparently have associated my account with a two factor authentication that I dont use. Ive tried repeatedly over the last two months to contact them and two of their business partners only to receive automated emails that have broken links that indicate that any emails I send are not monitored and will not be processed. Ive made repeated attempts to contact them by phone numbers Ive been given yet they just consistently play recordings that theyre out of the office- even during business hours. XXXX and XXXX are two of their business partners with whom I attempted to initiate communications and they are likewise nearly impossible to communicate with and will not process any request to restore my account..
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

JPMCB is reporting inaccurate information on my account XXXX, Please verify the completness and accuracy of this account and reinvestigate the account. 




I am writing to formally dispute the reporting and treatment of my account with JPMCB Card, particularly concerning the allegation of a late payment. This dispute is based on the precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which addresses the proper handling of credit payments and consumer rights under similar circumstances.

Additionally, according to 15 U.S.C. 1666B ( a ) - Timing of Payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was received by the due date specified. 

In light of these provisions, I request that you provide me with the internal records and documentation proving that my payment was actually late. Please include the payment processing details, including the date and time the payment was received and any relevant correspondence regarding this matter. 

Moreover, I have noticed that JPMCB has inaccurately reported this account on my consumer credit report, which may be in violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly correct any inaccuracies related to this account on my credit report and notify me once the correction has been made. Please respond to this dispute and provide the requested documenta
tion within 10 days from the date of this letter. Failure to do so will result in further actions to protect my rights under the applicable laws.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.