davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
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)

I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in XXXX. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE ADRESSES : 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 2024-06-22
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. (TX)

Im contacting you regarding the recent investigation findings. I disagree with the conclusions and demand complete accuracy. I am not satisfied with the efforts made to contact the creditors/agencies responsible for the information on my report. I request further information on the following accounts : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$25.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance : {$110.00}. As per the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I request a reinvestigation and update of these disputed accounts. Provide the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from receipt to complete these actions unless informed otherwise. Failure to verify within this timeframe constitutes non-verification, necessitating prompt updating of the accounts as per Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ), notify me once the accounts have been updated. Provide an updated copy of my credit report following this resolution.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (OH)

In XXXX I applied for a mortgage loan through US Bank and was approved. The closing date on my loan was XXXX. They gave a loan commitment letter on around XXXX/XXXX/16 with no conditions for additional work being done to the property. I was in communication with the loan processor, XXXX XXXX, at least once a week to make sure that everything was on track. At no point did he give any indication that any additional work to the house needed to be done prior to closing. The week before closing on XXXX the title company contacted me and stated that US Bank was not responding to them to give them the information required for closing. I tried getting in touch with XXXX XXXX and the loan officer XXXX XXXX multiple times on XXXX, XXXX, and XXXX through phone calls and email with no responses. On XXXX I was able to get a hold of XXXX XXXX 's supervisor, XXXX XXXX, who said XXXX has been out of the office and that he 's ( XXXX ) is " not involved knee deep in every loan ''. After it was clear that XXXX was n't going to be of any help explaining why the closing disclosure was n't available for the title company I was able to get the contact information of his manager, XXXX XXXX. 

XXXX XXXX returned my phone call on XXXX at approximately XXXX. Less than 48 hours away from the scheduled closing. At that time he informed me that they could not close on the loan as scheduled. Furthermore, US Bank wanted several repairs to the house to be made prior to closing. At no point in the loan process had U.S. Bank asked for any repairs to be done to the house and had provided a loan commitment letter that did n't have any repairs as a condition on closing. He was shocked and said that he was speechless when he found out that I was just finding this out. The repairs that they were asking for at the last minute were unreasonable. For example, it was stated that a walkway need to be replaced because there was a slight dip that could be a tripping hazard and that we needed to install globes around closet lights. 

XXXX XXXX did apologize and informed us and the sellers that closing had to be delayed because US Bank failed to deliver on a loan through no fault of our own. The sellers and I lost confidence in US Bank 's ability to deliver the loan and agreed the best way forward was with a different lender. We did close on the house two weeks later using a different lender. The delay in closing cost us {$4800.00} in compensation to the sellers, {$630.00} in additional loan expenses, and mortgage interest rates had gone up an additional .25 %
Consumer complaint received 2023-12-11
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. (NC)

I have been patiently waiting on their response to the written request I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Accounts XXXX XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

Hello, on the XXXX XXXX, I accidentally sent {$670.00} set aside to pay some bills & accidentally sent it to one of my CHASE credit card. It was an honest mistake. I immediately entered the CHASE App and immediately asked for it to be reversed. I followed up the following morning and a customer service rep did the reversal again for me, and said it's now set to be returned to my checking account in 24 hours. I followed up when it never appeared and was told my request had now gone to their Payments Dept. 
I was told to wait 1-2 days. I followed up 2 days later - still no refund. I rang up their Customer Service, Cards team and Payment team, all to be told that the refund was in motion and that it can take XXXX business days. A whole new story. Fast forward to today, after minimally a dozen calls and a dozen e-mails to this team, I am advised my a Payment team Supervisor named XXXX that they will not return my money and that decision was made XXXX days ago on the XXXX XXXX! 
I asked him to reveal where he found that decision and he said in a letter to me. I asked what letter and he said he will mail it to me. I said " NO WAY! "... you have now done a complete XXXX ' degrees from every CHASE bank person I spoke with- which was at least a dozen different individuals or more. I have screenshot all messages sent. I asked him " was the call being recorded '' and he would not answer me. I asked him 5 times before he answered. It was strange. I replied that I, XXXX XXXX, was taking my complaint and this department to the XXXX Complaints team. 
I hung up, called CHASE to issue a compliant literally 2 minutes later and this agent - repeated the same story. Including the 23 May notification crap. I asked him whether he had received a call from XXXX in Payments and he would not answer. I asked him questions and he completely circled around answering. I asked for the executive complaints department and he said he only has a snail mail address- which is nonsense. I asked him to say that clearly for the recording. 
CHASE has stolen the money I asked to be returned. I explained that I was struggling with money and needed to pay bills that were overdue and I received late fees amounting to {$110.00}. I run the very real risk of power and phone being cut off! Please help me!
Consumer complaint received 2023-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-06-05
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. (NJ)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX, while checking out my cart for an online purchase ( XXXX  ) of approximately {$250.00}, I applied for another XXXX XXXX XXXX XXXX credit card. ( I previously had their card about 6 or 7 years ago, but when I paid it off, I closed the account. ) The application was denied with a message that said " XXXX XXXX XXXX XXXX is unable to provide credit at this time ''. No reason for this denial was given, which concerns me because I have a XXXX  score of XXXX as reported by XXXX. It's my understanding that lenders are supposed to advise the reason for denial, even during " instant '' credit applications.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

It is very important that the CFPB enforces 15 USC 6805 as it is the given to them by Congress to enforce the aforementioned. 

XXXX has been notified by me on several occasions to update my consumer credit report with the proper information with respect to the consumer. It is my hope that swift attention is brought to this matter ASAP. 

In XX/XX/2023, I informed XXXX of errors on my credit report. However, they have not properly updated my report. 

In XX/XX/2023 the I was notified by the IRS of cancellation of debt from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX is still reporting charge offs to my report. However, a charge off is considered a certificate of indebtedness which is income and income can not be reported on a CREDIT report. 

I ask that the CFPB enforces this so that XXXX can correct this terrible error for once and for all.
Consumer complaint received 2024-06-22
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. (FL)

I am putting Experian, XXXX, XXXX On second notice For the report of Fraudulent non public information on my report like transaction history and experiences which is excluded from Report via 15 us code 1681a ( i ) These accounts : XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX Needs to be deleted from my report immediately I have opted out of all CRAs selling and sharing my non public information like these accounts above If accounts are not deleted swiftly then I will have no choice but to escalate this case to a default judgement
Consumer complaint received 2024-06-05
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 am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
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. (CA)

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.

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 2024-06-04
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. (CA)

Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to their failure to accurately report the status of a closed and charged-off account on my credit report. Despite multiple disputes and direct communications with XXXX, the account continues to appear on my credit report inaccurately. 

This ongoing issue has severely impacted my credit score and financial well-being. The charge-off status is particularly detrimental and unjustified, as I have provided XXXX with all necessary documentation to prove the inaccuracy, yet they continue to verify the erroneous information. 

I am seeking the CFPBs assistance to investigate this matter and require XXXX to remove this closed and charged-off account from my credit report within 7 days. Your prompt intervention is highly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California, XXXX ] [ XXXX ] XXXX
Consumer complaint received 2024-06-04
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 just received my credit report and i noticed i account is not my i would like to removed XXXX XXXX XXXX XXXX, account number XXXX  date open XX/XX/year>, amount XXXX
Consumer complaint received 2023-04-10
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. (FL)

there are fraudulent information on my credit report : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

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.

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 2024-06-22
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. (TX)

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 2024-06-04
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. (GA)

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 : Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX, XXXX : Account number XXXX, XXXX XXXX : Account XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : Account XXXX, XXXX XXXXXXXX : Account Number XXXX, XXXX : Account Number 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 items 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.