davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This company, XXXX XXXX bankcard, flagged my account for fraud when someone cancelled the card and tried to have a new one issued and sent to a different state. This was after they let that person make a payment using one of my stored payments on file, and then they made purchases maxing out the card and go way over the limit. XXXX XXXX  never called, sent a text, or a notification by email! Two weeks had passed before I knew anything about the fraud. I AM IN THE MIDDLE OF A MORTGAGE LOAN. THIS COMPANY HAS REFUSED TO GO IN AND UPDATE ON THE CREDIT BUREAUS MY TRUE BALANCE AND CREDIT UTILIZATION. THEY ARE SHOWING ALL OF THE FRAUD CHARGE AMOUNTS WHICH SHOWS MY CREDIT UTILIZATION AT XXXX XXXX. I AM ABOUT TO LOSE THIS MORTGAGE APPROVAL AND THE ALL OF THE FIRST TIME HOME BUYER ASSISTANCE AND GRANTS BECAUSE THIS HAS DROPPED MY SCORE BY XXXX POINTS. THAT ALSO MEANS I NO I AM NO LONGER ELIGIBLE FOR XXXX PERCENT DOWN.. THEIR FALSE REPORTING OF MY ACCOUNT IS CAUSING ME TO LOSE MY MORTGAGE LOAN, GRANTS AND ABILITY TO CLOSE ON MY LOAN IN XXXX WEEKS. I HAVE CALLED NUMEROUS TIMES BEGGING THEM TO PLEASE CONTACT THE CREDIT BUREUAS AND REPORT MY ACCOUNT CORRECTLY. THEY HAVE REFUSED TO DO SO AND TOLD ME THEY ONLY UPDATE ONCE A MONTH. THIS IS IN EXCUSABLE AND THE INFORMATION THEY ARE REPORTING IS FRAUDULENT BECAUSE OF IDENTITY THEFT THAT THEY LET HAPPEN AND THEN WILL NOT REPORT MY ACCOUNT INFORMATION WITHOUT THOSE FRAUD CHARGES. THEY HAVE COST ME MY HOME LOAN AND MY HOME. THIS IS CRIMINAL WHAT THEY HAVE DONE
Consumer complaint received 2022-03-11
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. (OH)

On XX/XX/2021, I sent a dispute to the XXXX credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/, I paid {$6500.00} toward my mortgage with Wells Fargo. This is way above the minimum required payment, which is {$1400.00}. 

According to the web portal, Wells Fargo applied the following amounts to my mortgage -- Escrow : {$600.00} Interest : {$140.00} Principal : {$690.00} Additional Principal : {$3600.00} The above amounts do not add up to {$6500.00}. {$1400.00} is missing, coincidentally, the same amount as my minimum payment. 

I called Wells Fargo customer service. They explained that their systems applied the additional {$1400.00} to my XXXX XXXX, XXXX  payment. 

Frist, I complained that this should not happen - all additional amount should be applied to principal immediately so I am paying less interest going forward. The agent said they would work with the system to adjust the payment amounts and apply the extra to the principal as requested. 

Second, I complained that the incorrect payment logic has happened before, and I have reported this problem before, too. This should not have happened again. The agent said they were making some note on my account to fix this issue, but I am not confident in the fix. 

Finally, I complained that the company should clearly list payment applications in the web portal. Thankfully, the statement itself was correct after I reviewed the statement later. The web portal and statement should align. Even if the web portal doesn't report all the same detail, it should not make it seem like money vanishes.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (OH)

I hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 

Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers. 

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct. 

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have
Consumer complaint received 2023-11-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute several accounts on my credit report that are the result of identity theft. I did not open or authorize these accounts, and I have reason to believe that they were opened fraudulently. I have attached copies of my ID, FTC report, and any other supporting documents that can aid in resolving this issue. The accounts in question are : XXXX XXXX XXXXXXXX. I have contacted the creditors and provided them with the necessary information to investigate the fraudulent activity. I have also filed a police report and have requested a copy for your records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have contacted XXXX several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. XXXX received a tax deduction for this charged off account : XXXX but i never received my 1099c form this is tax fraud XXXX has committed. this account is inaccurately being reported to all three of my consumer reports. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by XXXX.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised 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 DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-08-30
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. (VA)

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 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 2023-11-30
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)

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-30
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

RESIDENT VERIFY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

Starting on XX/XX/XXXX my account was hacked for thousands of dollars. Mostly from XXXX XXXX. My bank finally sent me a fraud alert after multiple back to back charges to a few different names. I also had a XXXX charge and an XXXX charge. My bank gave me XXXX of the almost XXXX that was taken. I myself got the {$1000.00} charge from XXXX back myself even though my bank denied that claim. My bank stated that the reason they denied my claim was because XXXX XXXX said it came from my account. I have not used XXXX XXXX  since XXXX. When I contacted XXXX XXXX they helped me log into my account and the last transaction was made in XXXX. My bank said the will not refund the remaining {$2700.00} that was so obviously stolen from me. Back to back charges in different amounts to a person under the name of XXXX XXXX. First {$250.00} then {$400.00} then {$300.00} then {$200.00} with others charges to different individuals in the amount of {$450.00} then {$250.00} then one for {$85.00} then {$22.00} after the XXXX they sent me a fraud alert. A XXXX charge for XXXX and another XXXX charge for XXXX. Then an XXXX charge for over {$1000.00} but I was able to get that refunded myself from XXXX. They refunded around XXXX of my funds back but denied the rest. This makes no sense at all. I have been banking with them since they were suntrust. Im not really sure what to do but {$2700.00} is a lot of money and they said they will not reopen the case for me.
Consumer complaint received 2023-11-08
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. (AZ)

Transunion, XXXX XXXX XXXX has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXXXXXX  Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-20
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. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc. (IL)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC (GA)

I have requested on 3 separate occasions for my loan to be reported so that I can refinance it and get out of this outrageous interest rate, The company in turn refuses to report my loan so that they can trap me into this interest rate and not allow me to go elsewhere. I recently spoke with Manager XXXX XXXX XXXX  who states he has never heard of that practice however they sent me a letter stating they decided they do not want to report the loan to credit bureas. They put me in a 24 percent interest loan and every month they keep increasing the loan value.
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (MD)

In Accordance with the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-30
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)

I REACHED OUT TO THE COMPANIES THAT HAVE THESE FRAUDULENT ACCOUNTS ON ALL 3 OF MY CREDIT REPORTS ASKING FOR PROOF SHOWING THAT THESE ACCOUNTS BELONG TO ME. THEY HAVE YET TO PROVE THESE ACCOUNTS BELONG TO ME. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlantic Recovery Solutions LLC (NY)

As a consumer, I am writing to file a complaint against Atlantic Recovery Solutions , LLC, concerning their recent inquiry on my XXXX credit report dated XX/XX/23. This inquiry, conducted without proper authorization, not only violates the Fair Credit Reporting Act by lacking a valid permissible purpose but also constitutes an intrusion upon seclusion, impacting my privacy rights. 

In this instance, no permissible purpose or consent was provided for the inquiry, resulting in a violation of both privacy rights and FCRA regulations. 

Enclosed, please find supporting documentation for your review. 

I appreciate your prompt attention to this matter.
Consumer complaint received 2023-12-07
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. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # 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 AGENCYCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-11-30
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NE)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JPMorgan Chase Bank regarding their refusal to refund fraudulent charges made to my credit card. I am deeply concerned about the lack of assistance and cooperation I have received from the bank, and I am seeking your intervention to resolve this matter promptly. 

On XX/XX/XXXX, I discovered several unauthorized transactions totaling {$1600.00} on my Chase credit. I promptly reported the matter. In response, Chase 's customer service initially issued a refund. However, this resolution took a sudden turn on XX/XX/XXXX, when the refund was unexpectedly revoked. Despite my inquiries with customer service, no explanation was provided for the withdrawal of funds from my account. 

The abrupt reversal of the refund has been perplexing and concerning. 

My efforts to resolve this situation through Chase 's internal dispute resolution mechanisms have yielded no satisfactory outcome. These fraudulent charges have taken a toll on my financial stability. I firmly believe that I am entitled to a complete refund in accordance with both federal regulations and Chase 's internal policies. 

In light of these developments, I am seeking the assistance of the Consumer Financial Protection Bureau to mediate this dispute. 

I am earnestly requesting a comprehensive investigation into this matter. Your involvement is paramount to rectifying this issue and ensuring the reinstatement of the {$1600.00} refund for the unauthorized charges on my credit card. I am optimistic that your intervention will result in a just and expeditious resolution. I value your attention to this case and anticipate a swift response. 

Thank you for your assistance.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent account persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate account continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent account impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.