davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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. (MA)

I am writing to dispute the following inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information listed below is incorrect and does not reflect my true credit history. 

Account Information : Creditor : XXXX Account Number : XXXX High Balance : XXXX : {$2600.00} Experian : {$0.00} XXXX : {$1600.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ) Balance Owed : {$0.00} Closed Date : XXXX : XX/XX/XXXX Experian : -- XXXX : -- Account Rating : XXXX : Paid Experian : Paid XXXX : Derogatory Account Description : XXXX : Home Electronics Sales and Service Experian : Television/Radio Sales and Service XXXX : Television/Radio Sales and Service Dispute Status : Account not disputed Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : XXXX : Payment after charge off/collection, Canceled by credit grantor Experian : Account has been closed due to inactivity, Unpaid balance reported as a loss by credit grantor XXXX : Paid charge off, Accounts closed by credit grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX ( TXXXX and Experian ), XX/XX/XXXX ( XXXX ) Credit Limit : {$1500.00} Account Type : Charge account Discrepancies and Inaccuracies : High Balance : Inconsistent reporting of high balance. 

XXXX : {$2600.00} Experian : {$0.00} XXXX : {$1600.00} Date of Last Activity : Discrepancies exist between the last activity dates reported. 

XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Reported : The dates reported are inconsistent. 

XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Account Rating : Inconsistent reporting of account status. 

XXXX : Paid Experian : Paid XXXX : Derogatory Payment History : Inconsistent and incorrect reporting of payment history. 

Supporting Documentation : Enclosed are copies of my credit report from each bureau highlighting the inaccurate information, along with any supporting documents for verification. 

Requested Action : I request that the inaccurate information be corrected or deleted from my credit report. Please reinvestigate this account and send me an updated copy of my credit report reflecting the corrections.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

an individual sent me a link to a brokerage that was a fraudulent copy of XXXX  and used it to steal XXXX dollars. The website was an exact copy of the real one its still up, listed at XXXX XXXX XXXX. I was told to transfer money into my account using XXXX XXXX so i could trade stocks but the website was just a way to capture the money it was not functional in any capacity for trading after i found out i could not withdraw my money. Once the money was deposited none of the withdrawal features took place. I contacted truist bank and in a chronological timeline showed all the screenshots of my transactions, messages between me and the scammer, his XXXX  wallet address, and him mocking me after the fraud was revealed. I have now filed a complaint to the FBI and have signed under oath my statement. This scam has XXXX XXXX XXXX XXXX  and caused XXXX because i have bills and family obligations and this money was wrongfully taken away from me. I can send the full report i sent the bank will all evidence if i am provided an email address to sent it to.
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (SD)

I refinanced through rocket mortgage in XX/XX/2022 with a fixed rate and conventional loan, they just sent me a notice in XXXX my payments are going from {$1100.00} to {$1500.00} which I cant not afford, they states to call my homeowners insurance and my local treasury. My insurance company said my insurance had only went up by XXXX $ a month and the treasury office told me taxe property in my area only went up {$270.00} so only {$23.00} more a month, which is about {$50.00} not almost {$500.00} I called my mortgage company and advised of this and they are not willing to explain the reason of the adjusted payment or willing to work with me, I believe when I refinanced with rocket mortgage they made mistakes in the process, I believe they no they made a mistake since Im getting no answers from them, which is causing stress landing me in the hospital for 3 days and this will make me lose my home that I world so hard as a single mom of XXXX kids living at home. I should have rights, with my payment going up so without notice and no explanation, rocket mortgage needs to be looked into how they are processing loans and following all regulations and not doing shady business, and hiding bad business practices
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo- Applied over {$300.00} In late fees to the account. We have spent over 2 years fighting them that they applied the payments incorrectly. Have sent over bank statements to prove the issue 11 times, each time they were never received. Every time we reached out, they gave us different emails, fax numbers and mailing addresses to send the statements to. 
Finally we gave up and wanted to just pay off the loan and be done with it, they double charged us the late fees, stating the full payment didnt reflect paying off the late fees. After they repurposed the payment, they claim we still owe {$330.00} in late fees causing the pay off amount to still show close to {$400.00} more than it was originally quoted. 
From what we can tell, they are adding the late fees to the principle of the loan to collect interest on it and creating a double charge of late fees. 
In speaking with the reps again. They refused to acknowledge the conversation where the original agent had made the mistake, and are still standing firm on double charging us for the late fees.
Consumer complaint received 2024-06-27
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. (NC)

I am writing to dispute the reporting of my XXXX XXXX bankruptcy on my credit report. Recently, I contacted the bankruptcy court and was informed that my bankruptcy case was not ( and never are ) reported to the credit bureaus. Additionally, the bankruptcy court advised me to reach out to the credit bureaus directly to understand how my bankruptcy information was reported and identify the reporting entity. 

Here are the falsely verified accounts on my credit reports that pertain to or were part of the bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In each previous dispute, this information has been falsely verified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to receive validation of these falsely verified accounts. Therefore, I kindly request that you investigate this matter thoroughly and provide the following information : Details of the validation process or procedure used by the credit bureaus to verify account information. 
Identification of the entity that reported this information.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Under FCRA 605B, we're obliged to expunge any incorrect entries from my credit profile. Would you mind verifying the documents? Several of the listed entries are inaccurate regarding their reporting. Compensation of {$1000.00} is due for each erroneous reporting on my credit file.
Consumer complaint received 2023-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX have noticed some unauthorized inquiries appearing on my credit report I have listed the inquiries below and uploaded supporting documents. 

1.XXXX  XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXXXXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XX/XX/XXXXXXXX 7. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC (TX)

XXXXXXXX XXXX SPRINGOAKCAP are reporting this account as a debt that I owe that is incorrect. I have previously disputed this account previously and each time it is stated that it is verified but thats not true. Now this will be my final attempt at getting these two companies to follow law as it is outlined. I deny each and every claim that I am indebted to any financial institution. The fact is THE XXXX XXXX XXXX received a security from me which is a receivable off books so they may securitize it. If Spring Oak Capital took an assignment of said security then they would be required under federal law to file a UCC 1 financing statement to prove possession of the account. This complaint will become an official part of record for any future court hearing I decide to pursue. I do not owe you a debt and you can not prove otherwise. I will give you 14 days to remove this collection or I will summons both companies to a federal court where the individual representing each party with need to swear in to attest to the fact you stated in your reply. I will not be extorted or bullied into paying a collection account that is fraudulent by the law.
Consumer complaint received 2023-09-26
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2024-07-01
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

On XX/XX/year> my account was fraudulently accessed and I experienced a complete account take over. After having over XXXX interactions to resolve and dispute the fraudulent transactions with customer service in which my account was charged over {$96.00} in fees, there has yet to be any resolution on my account. I have not been able to review any reasonable assistance with resolving these issues with XXXX customer service. Please assist.
Consumer complaint received 2024-05-29
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. (NM)

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 2024-05-30
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. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX 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>
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (GA)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-29
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. (IL)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion XXXX XXXX are reporting this account as a debt that I owe that is incorrect. I have previously disputed this account previously and each time it is stated that it is verified but thats not true. Now this will be my final attempt at getting these XXXX companies to follow law as it is outlined. I deny each and every claim that I am indebted to any financial institution. The fact is XXXX XXXX XXXX XXXX received a security from me which is a receivable off books so they XXXX securitize it. If XXXX XXXX XXXX took an assignment of said security then they would be required under federal law to file a XXXX XXXX financing statement to prove possession of the account. This complaint will become an official part of record for any future court hearing I decide to pursue. I do not owe you a debt and you can not prove otherwise. I will give you 14 days to remove this collection or I will summons both companies to a federal court where the individual representing each party with need to swear in to attest to the fact you stated in your reply. I will not be extorted or bullied into paying a collection account that is fraudulent by the law.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

The companies involved are the XXXX credit bureaus : XXXX, Equifax, and XXXX. On XX/XX/year>, I sent a letter to these XXXX credit bureaus requesting the removal of incorrect information from my credit report. This was after I opened a dispute for them to verify all the information. The incorrect information is in the public records section of my report. Prior to this, when I initiated the dispute, I also sent a letter to the court requesting verification of the information, and they informed me that they had not provided that information because they do not report to the credit bureaus. 

Upon receiving the letter from the court, I demanded that the credit bureaus remove the incorrect information they had claimed to have verified, and to this day I have not received any response. I will share the letters I sent. The letter demanding the removal of false information from my credit report was accompanied by a copy of the court 's response. Of these, Equifax never sent me any response in writing, but they did open a dispute because I received a digital notification. I never received any responses, and nothing changed. XXXX also did not change anything but did open a dispute. XXXX responded on XX/XX/XXXX, stating that they had investigated and no changes were needed, which is false according to the court 's letter.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies in terms of reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
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. (GA)

My commitment to punctual payments is unwavering. However, I'm puzzled by the occasional reporting of late payments by this company, which doesn't align with my meticulous record-keeping. USC 1666b underscores the importance of promptly rectifying billing errors and accurately reflecting payments.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HAWAIIAN, INC. (CA)

I recently discovered a late payment entry on my credit report for my FHB auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from FHB regarding the missed payment.

Throughout my history with FHB, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from FHB alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with FHB. This isolated incident does not accurately reflect my commitment to meeting my financial obligations.

I genuinely value the relationship I have built with First Hawaiian Bank and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from FHB in evaluating my request.

Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that may be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.