davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Citi Management Group, LLC (LA)

Left a message on my mother in laws phone threatening legal action against me. No one would give any actual information and the person who left the message, XXXX XXXX, according to XXXX XXXX, is no longer employed there. Called under the guise of City Management Group. They XXXX people 's names and call anyone who shows up as a relative with a public number. They could not reach me because my number is not published but they called my mother in law and left a message because her is.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

As of XX/XX/XXXX, there are several pieces of inaccurate and incomplete information reporting on my Experian credit report. Account XXXX # XXXX has an open date of XXXX but has NO payment history from XXXX through XXXX which is considered incomplete information under the Fair Credit Reporting Act. Account XXXX # XXXX has a date of last payment for XXXX but the amount paid and past due amount there is not information available which is INCOMPLETE. XXXX XXXX Third also has a Status as Current but yet has no payment information available for the XXXX, XXXX, XXXX, or XX/XX/XXXX. How can I be current with no payment information available for the most XXXX recent months?? XXXX has an open date for XXXX which shows no payment history from XXXX through XXXX and from XX/XX/XXXX through present which also is INCOMPLETE information. Account XXXX XXXX has late payments for XXXX, XXXX, XXXX, XXXX, and XXXX days late. It is impossible to be XXXX days late if my last payment was in XXXX which is Inaccurate information Account XXXX # XXXX shows last payment made in XXXX and XXXX  days late in XXXX XXXX it is impossible to be XXXX late in the month of XXXX while were currently in the month of XXXX if a payment was made on time In XX/XX/XXXX?? That is inaccurate information. Account XXXX XXXX # XXXX shows XXXX days late for the months XXXX and XX/XX/XXXX which it is impossible to be late XXXX days for XXXX consecutive months if the last payment shows XXXX I have attached documents supporting these inaccuracies.
Consumer complaint received 2023-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XXXX XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Monthly payment - Past due amount {$18000.00} Highest balance - Terms 73 Months Responsibility Joint Account Your statementn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Neon Newco Corporation (OH)

Okay I keep getting you Skylight cards in the mail when I go to activated it sends me to Skylight direct I know when you activate a card you put your info in and it should be activated but no it sends me to them every time so I know there was money on those accounts and they're fraudulently scamming me not only that I'm going through identity theft and I know I am I have a bunch of inquiries on my credit report I have my annual credit report now I've been data breached by XXXX and carvin software program I can't get in any of my accounts or keep anything and I'm being wrongfully convicted he sent to jail multiple times also I have people trying to knock me off the road you're driving crazy there's traffic everywhere around me I called the FTC I went to the social security building in downtown XXXX for XXXX XXXX building they told me they can't change my social security number unless I have a bunch of information which I do now also I can't keep people out of my XXXX account social media accounts and I'm always getting scam calls and people on XXXX saying I won the lottery I got to pay them {$300.00} first
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The name on the account is incorrect. I have tried to fix the issue with the company or to see when this account was opened, but I have not been successful. I request my account be deleted and updated on all 3 credit bureaus, since it is not me and the has false information is negatively impacting my credit score.
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : transunion Transunion : XXXX XXXX XXXX # XXXX, XXXX XXXX, nv XXXX To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.
Consumer complaint received 2024-01-05
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. (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 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 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-29
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. (CA)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

In XXXX, XXXX, a letter was sent to Freedom Mortgage, that included the following details : On XX/XX/XXXX, I entered into a mortgage with my wife 's grandmother. During closing time, I noticed an error in the paperwork and mentioned it to title and my lender. A correction was never made in the closing documents. As a result, the Warranty Deed which was filed incorrectly on record by Freedom Mortgage to XXXX XXXX, TX. The deed was filed as Tenants in Common. The deed should have been filed as Joint tenancy with rights of survivorship. Grandmother tragically passed away on XX/XX/XXXX. 

I have contacted Freedom Mortgage on numerous occasions, including communications via their message center through the app. I have sent messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have also contacted them through the end of the year and the beginning of this year regarding her death to get the deed fixed. I kept getting generic messages and when I called, I was either transferred to someone else, or got a different answer every time I called. 

The issue is that on the Uniform Residential Loan Application Form - XXXX XXXX XXXX XXXX on page 14 of 16 under L2 Title information, the section was left completely blank where it states " Manner in Which Title Will be held ''. 

This was a mistake done by Freedom Mortgage and also the warranty deed was filed by Freedom Mortgage. I contacted the County clerk 's office who told me that an affidavit for the deed can be filed since there was a mistake in the paperwork. It also states in the Deed of Trust that corrections could be made. 

After sending this letter in XXXX, their response seemed automated and stated in a letter that no changes would be done.
Consumer complaint received 2023-12-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TN)

I have disputed this alleged debt with CCS collections. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NY)

PayPal Credit XXXX ID # XXXX On XX/XX/22 via XXXX {$300.00} was sent to " XXXX XXXX '' for merchandise ( vitamins ). Never received, he provided a fake XXXX tracking number through a fake XXXX website. I repeatedly asked for return of funds and " XXXX '' failed to respond or said, " he would look into it. '' No items received to date. No responses from : " XXXX XXXX ''. 
XXXX refuses to provide information on XXXX XXXX and refuses return of funds. 
XXXX is contributing to this criminal activity, and I was told by XXXX that I am not only victim, but they ( XXXX ) refuse to investigate and return my funds. XXXX refuses to provide details on XXXX XXXX 's account so that I may peruse legal action.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2024-04-02
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : # XXXX XXXX : XXXX Experian Legal Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Request for XXXX  Account # XXXX Dear Experian Team, I hope this letter finds you well. I am writing in response to a communication from your office suggesting that my dispute claims have been deemed frivolous concerning inaccuracies found on my credit report. I respectfully disagree and am providing detailed information below regarding the disputed item. I am requesting a thorough reinvestigation of the following matter, with a keen request for its removal in compliance with legal requirements. It's imperative for me to ensure that all information on my credit report is accurate, as I am currently in the process of securing a home loan. 

I kindly ask that you do not limit your inquiry to electronic communications with the furnisher of this information. Instead, please ensure this letter, along with any pertinent attachments, is forwarded to both the furnisher and me. This step is crucial for maintaining transparency and ensuring that all parties are adequately informed of the ongoing proceedings. 

Should the furnisher insist that the information has been accurately reported, I request comprehensive documentation to support their claim. This includes a detailed account of the verification process used to ascertain the accuracy of the reported information, along with the contact details of the furnisher involved. 

I trust that Experian adheres to stringent procedures ensuring that any public record information, especially those with potential negative impacts, is reported with the utmost accuracy and completeness. As stipulated by law, I look forward to the conclusion of this investigation within the 30-day period. Should this matter remain unresolved, I am prepared to engage legal assistance to advocate for my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including exploring all potential remedies and damages available under the Act.

It is pertinent to remember that as a Credit Reporting Agency, Experian is bound by federal consumer financial laws, encompassing the FCRA and Title X of the Dodd-Frank Act, alongside regulations prohibiting " Abusive '' Acts or Practices ( Section 1031 of the Dodd-Frank ).

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the accuracy and fairness dictated by law. 

Warm regards, XXXX XXXX
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXl [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Request for Assistance in Enforcing Identity Theft Reimbursement from Experian Credit Bureau Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in enforcing my claim for identity theft reimbursement from Experian Credit Bureau. I believe I have been a victim of a severe case of identity fraud that has caused significant financial and emotional distress, and I am seeking reimbursement in the amount of {$500000.00} to address the damages incurred. 

I have been a diligent consumer, actively monitoring my credit profile to ensure the security of my personal and financial information. However, despite my best efforts, I recently discovered that my account has been compromised by fraudsters who conducted unauthorized transactions and activities, resulting in substantial financial losses. 

I have diligently followed the procedures outlined by Experian Credit Bureau for reporting the identity theft and have submitted all necessary documentation and evidence to support my claim. However, I have encountered challenges in receiving a timely and adequate response from Experian regarding the reimbursement of the damages suffered. 

Given the magnitude of the financial losses and the distress this incident has caused, I am turning to the Consumer Financial Protection Bureau to request your intervention and assistance. I kindly ask that you use your authority and influence to ensure that Experian Credit Bureau thoroughly investigates my case and provides me with the appropriate reimbursement of {$500000.00}, as I believe this is a fair and just compensation for the damages I have incurred. 

I have enclosed copies of the documentation I have submitted to Experian as evidence of the identity theft and the financial losses I have experienced. I trust that your expertise and commitment to consumer protection will help expedite the resolution of this matter and bring a swift and satisfactory conclusion to my claim. 

Thank you for your attention to this urgent matter. I eagerly anticipate your intervention and any support you can provide in enforcing my claim for reimbursement. Please feel free to contact me via email or phone if you require any additional information or details. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( 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/2024, and I have not yet received a response.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. ()

PROBLEM WITH ONLINE CHASE, JP MORGAN It is now several months during which I have tried to transfer money from my Chase account ( which give me close to nothing as interest income ) to another of my XXXX banks. 

At XXXX time I was able to do a transfer online between accounts without any problem but now after every attempt my account has been blocked for suspicion of fraud. While I can appreciate this safety feature, I do not appreciate having to go from XXXX department to another and being asked the same safety questions again and again ( some questions relate to my life more than 30 year ago! ) and loosing my time for nothing. 

The XXXX of XXXX the XXXX XXXX. told me that my account was unblocked which was not the case when I later tried to connect, so again for the XXXX or maybe XXXX time no way to reconcile my account and of course, I was not able to do my wire transfer as suggested in an earlier call. 

Yesterday, being very upset, I waited XXXX minutes for the employee to come back on line but without success so eventually I hung up. 

I AM FEELING THAT MY MONEY IS TAKEN IN XXXX BY CHASE, JP MORGAN. 

Hoping you can help, yours sincerely,
Consumer complaint received 2024-04-21
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. (OH)

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 Account number : XXXX reported on my report late payments. According to 15 USC 1681 transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information on my report.