davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (FL)

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and an eviction associated with me. I have never been evicted from an apartment. I recently applied for an apartment and was denied due to these false allegations. 

I am aware that there is another individual in the same county with my name, [ Your Name ], and birthday, [ Your Birthday ], which may have caused this mix-up. I have encountered this issue before in a different matter. Therefore, I am challenging any eviction listed on my report. 

Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. 

Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report. I need this matter resolved promptly as I am in the process of relocating.
Consumer complaint received 2023-09-20
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)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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: FLORIDA HOME TRUST MORTGAGE ()

I filed a complaint with the CFPB under the COMPLAINT ID number XXXX for 4 charges made improperly on my credit card. The Bank recognized the error and made a credit in my favor, however the credit made is for the amount of 2 of the improper charges, leaving 2 charges still pending to be credited. The Bank closed the case without having made the full refund.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XXXX XXXX XXXX, I received an email from Chime requesting documentation to verify my identity and other information as to a recent source of income from my previous employer 's unemployment insurance benefits in XXXX. I currently live in XXXX. I responded promptly by uploading the requested documents through a secure link. Despite submitting the requested items ( photos of myself with ID card, W-2 form, and unemployment benefits letter ), Chime 's Member Protection Services deemed them insufficient and restricted my account access.

While Chime assures me they're reviewing my case, their lack of clear communication and limited support options ( phone support directed to email ) are causing unnecessary delays.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear TransUnion : I am writing to dispute several unauthorized inquiries that appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 
The following inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX 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 did not authorize these companies to access my credit report, nor did I initiate any transactions that would warrant a credit inquiry from them. These unauthorized inquiries could negatively impact my credit score and must be removed immediately. 
According to the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed items within XXXX days of receiving this letter. If the disputed information is found to be inaccurate, incomplete, or can not be verified, you must promptly delete or modify the item ( XXXX ) as appropriate. 
Please provide me with the results of your investigation and a copy of the updated credit report within the XXXX timeframe mandated by the FCRA. If you fail to comply with the FCRA 's requirements, I reserve the right to pursue further legal action. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My son signed for a private student loan with XXXX XXXX XXXX in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and XXXX XXXX XXXX reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called XXXX XXXX XXXX to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.
Consumer complaint received 2024-06-02
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: GREENSKY OPERATIONS, LLC (SC)

I applied for a line of credit through Greensky on XXXX XXXX. I was told by the merchant I applied through that the application was just an application and not me agreeing to the service and that the amount I applied for was not the amount being charged but the XXXX amount that I could receive for any services agreed to. I was notified by Greensky by email on XXXX XXXX that they paid out to the merchant. I informed them not to pay out as the work had not been completed and an amount had not been agreed on. Greensky informed me that there was nothing they could do and that they paid out to the merchant because I had authorized payment with them through a signed invoice that they received from the company in an amount totaling {$19.00}, XXXX. I informed Greensky several different times that I did not sign an invoice and I have been requesting a copy of said paperwork from Greensky since XX/XX/XXXX. After contacting the XXXX XXXX XXXX I received a emailed copy of the paperwork from Greensky that was used to authorize payment to the merchant. I again notified Greensky that I hadnt signed anything and that the invoice and paperwork they provided did not contain my name on any of the paperwork. They informed me that the could not and would not do anything about it. Greensky is directly violating the consent order entered in on XX/XX/XXXX which states in paragraph 74 section v Respondent and its officers, agents, servants, employees, and attomeys who have actual notice of this Consent Order, whether acting directly or indirectly, in connection with loan application, verification, activation, and transaction procedures, must take the following affirmative actions : v. Obtaining and retaining evidence of consumers ' approval of transactions before Respondent may disburse loan proceeds to a Merchant.
Consumer complaint received 2024-06-07
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-07
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. (TX)

Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Authorized user JCPenny should not be reporting on my consumer report Remove asap XXXX  XXXX XXXX is reporting inaccurate late payments and should be updated as paid as agreed as soon as you receive this message. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITTING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-07
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. (PA)

I would like to dispute off the following accounts on my credit report. 


EQUIFAX : EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SER Date of inquiry : XX/XX/XXXX XXXX XXXX  ( Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : EQUIFAX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX EQUIFAX MORTGAGE SERVI Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX EQUIFAX MTG Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian has listed inaccurate information on my credit report : Record Type : Bankruptcy chapter XXXX Filing Date : XX/XX/2011 Amount : {$0.00} Reference Number : XXXX Court : XXXX BKPT CT GA XXXX Plaintiff : - ( Blank ) ON the grounds of the Fair Credit Reporting Act - This information Experian is publishing has to be reported correctly. Any error in the way the credit is bureau grounds for having this information removed from my credit report. Inaccurate reporting is Plaintiff -  reports as blank ( no one ) and Amount of Bankruptcy - reports as {$0.00}
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DE)

I called Equifax on XX/XX/year>, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/year> they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( 1 ) US Department of Education/ XXXX ( 2 ) XXXX  XXXX ( 3 ) Department Of Education/ XXXX XXXX XXXX . There are a total of XXXX closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home. I files a claim with you last about this and US Department of Education/XXXX  is still not removed from the Equifax report .
Consumer complaint received 2024-06-07
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. (PA)

I am writing to request the immediate closure of my XXXX XXXX account, which I have never used, and to demand the cessation of inaccurate reporting of this account as a loan to any credit bureaus. The {$8.00} reported on my credit report is not a loan and its representation as such is false and unauthorized. 
The continued presence of this inaccurate information on my credit report is causing me undue hardship and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
Therefore, I am requesting the following actions be taken immediately : Close the Account : Close my XXXX XXXX account with XXXX XXXX , XXXX. 
Cease Reporting : Stop reporting any information related to this account to any credit bureaus. 
Notify Credit Bureaus : Contact all credit bureaus to which you have reported my information and request the removal of any records related to this account that you have submitted. 
Provide Confirmation : Provide me with written confirmation that the above actions have been taken within 15 days of receiving this letter.
Consumer complaint received 2024-05-20
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. (SC)

Experian is reporting my address as an high risk address aka red lining to alert service providers not to provide service. Redlining is against the law Direct violation by Experian it violates the fair housing act and the equal credit opportunity act.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

JPMCB CARD SERVICES Last reported XX/XX/year> {$2300.00} Reported balance CrediXXXX limit {$9600.00} JPMCB CARD SERVICES Last reported XX/XX/year> {$4500.00} Reported balance Credit limit {$15000.00}
Consumer complaint received 2019-06-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/2019 Speedy Cash debited my ENTIRE pay check from my account WITHOUT prior warning or notice. 

This money was my rent money. 

I missed 2 payments on the loan, so they took the entire balance without letting me know. 

The amount was {$420.00}
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

This is a debt that until recently I found out was actually under GE Capital Retail and was sold to Care Credit in 2013. I do not even recognize this debt and have tried numerous times to get this off of my credit report to no avail. I do not owe this debt. This debt is not mine and is not in any way associated with me. Also I noticed that during this period ( 2013 ) there was evidence of deceptive credit enrollment practices by GE Capital Retail and Care Credit of up to {$34.00} XXXX dollars. They are trying to collect on a debt that was probably created by them during a period of their own unlawful practices. 

See : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-ge-carecredit-to-refund-34-1-million-for-deceptive-health-care-credit-card-enrollment/
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I was reviewing my credit report and noticed inquiries that doesn't belong to me. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-07
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. (FL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.