davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired from Experian, XXXX, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/year>. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

I received a sum of money ( {$4300.00} ) on my account, right before cashing it out, my financial institution closed up my account, I complained and mailed but no help and Im seriously i need of funds These all happened on Monday XX/XX/2020 2020
Consumer complaint received 2024-04-15
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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (MA)

My identity has been stolen. An account was opened up with Cash App in XX/XX/2019. I have been attempting to contact this bank every since. In order to contact them, you must sign into your account. As I do not have the information for the account, I can not sign in and contact them. 

I have been attempting to contact their fraud department for over a year now with no success.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/23 I requested my free annual credit report from all three credit bureaus via phone and TransUnion did not send me my report. I was supposed to get it within 15 days but did not and can not get past their automated system to talk to a real person. ( XXXX and XXXX did send me my report. ) It has been more than a year since I received my previous annual credit report and I am entitled to a new one and want it.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act XXXX : ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) BLOOMINGDALE/CITIBANK ( XXXX ) MACYS/CBNA : ( XXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting ACT/
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2024-04-15
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-15
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 I 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 2023-07-06
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance XXXX {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$530.00}
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern, Ive sent documents to credit bureau and have police reports and photos and documentation of information incomplete and added multiple times to my credit report, it clearly shows that company 15 times on several occasions with different accounts. Please assist with this issue. 
XXXX XXXX XXXX XXXX XXXX Tx and letter sent for Disputes and updated and accurate information for my personal report.

Disputing Inquiries, Collection ( trade that are incorrect, Fraudulent, Incorrect or Paid family members crest, misspelling, inquiring. 
Update all documents and personal information, address, name, phone, work history. 
I am writing to dispute the following information in my file.
Consumer complaint received 2024-04-15
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: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA. Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Consumer complaint received 2024-01-23
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. (MD)

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.
Consumer complaint received 2024-01-23
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. (MD)

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Inquiry Summary in letter.
Consumer complaint received 2024-04-15
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 writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-23
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. (MD)

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary in letter.
Consumer complaint received 2024-04-15
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX mortgage incorrectly reported the balance of my mortgage account in XXXX by XXXX which negatively impacted my credit score causing it to drop by XXXX points the day after reporting this information as it signifies delinquency on my mortgage payments which is not accurate. 

The balance on my mortgage statement issued by XXXX XXXX is accurate but the balance of the account reported to credit report is incorrect ; I openned dispute with three credit reporting agencies but they referred me to the lender to correct information ; I contacted XXXX XXXX and they openned a case that was supposed to be resolved by XX/XX/XXXX according to them ; then I contacted again after the information on the account was incorrectly reported in XXXX and was told that the case was closed as " XXXX XXXX does not interfere with how credit reporting agencies calculate credit score '' ; they ignored the problem which is incorrectly reporting account balance but focused on the consequences of the problem which is not their responsibility to wash their hands and pass the buck to someone else. 

I had a credit rating of XXXX before that reporting error and it dropped to XXXX the day after ; no other accounts added or changes during the period of their reporting error and my score drop. 

The negative impact of the incorrect account balance has materialized already and I am paying for it in my cost of borrowing. 

I am only requesting that XXXX XXXX correct the account balance reported to credit agencies to match the balance they send me on my mortgage statement and year end tax record.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

one of my customers legally signed over a check to me as a form of payment in the amount of ( {$29000.00} ). chase accepted the check but is now unwilling to release the funds. chase requested the phone number of the customer so they can verify the check, and i obliged with chase 's request but they are claiming that they cant use the phone number i provided. however the phone number i provided is the ONLY phone number that the customer has. so i would like for chase to provide alternatives on how we get this issue resolved because my customer only has one phone number and chase is refusing to use the phone number that was given
Consumer complaint received 2024-01-23
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. (TX)

I am resubmitting a complaint today to inform you once more that I have fallen victim to identity theft. I revisited the FEDERAL TRADE COMMISSION website at https : //www.ftc.gov and filed an identity theft report. Per FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Please find the ATTACHED documents to facilitate the removal of erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION : XXXX 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 ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/year> an erroneous bankruptcy was filed. XXXX XXXX Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXXXXXX XXXX XXXX We are informed that the policy of the XXXX XXXX XXXX  is to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.
Consumer complaint received 2023-12-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WHEELS FINANCIAL GROUP, LLC. (WA)

This company 800loanmart is reporting I have an auto loan with them. Investigation shows they are a title loan company. Ive never applied for a loan with this company nor have I ever received funds from said company. Ive filed disputes over and over as well as sent a police report and identity theft report with the federal trade commission. Company is still reporting this account on my credit!
Consumer complaint received 2024-04-15
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: Experian Information Solutions Inc. (TX)

I am writing to express my frustration and concern regarding the inaccurate information present on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to ensure that the information contained within my credit report is fair, accurate, and substantiated. 

Despite repeated attempts to rectify these errors, the inaccuracies persist, adversely impacting my financial standing and opportunities. This blatant disregard for the FCRA law and its provisions is unacceptable and has caused significant distress and inconvenience. 

I demand immediate action to rectify these inaccuracies and ensure compliance with the FCRA law. Failure to do so will compel me to take further legal action to protect my rights and hold accountable those responsible for these violations.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.