davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dispute Department [ XXXX Address ] [ City, State, ZIP Code ] Subject : Dispute of Erroneous Information on Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of multiple hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered that these inquiries were made under false pretenses and have significantly impacted my financial well-being. 

Furthermore, I would like to bring to your attention the inaccurate reporting by XXXX XXXX on my credit report. The company has falsely reported late payments, despite having made payments as per the agreed-upon schedule. I possess documented evidence in the form of email receipts that clearly display the payment dates. 

In addition to the aforementioned discrepancies, I am deeply concerned about the reinsertion of the XXXX XXXX account on my credit report. Despite providing substantial evidence, including a police report, Social Security details, drivers license, and a fraud report, the credit bureaus have failed to rectify this error. 

Moreover, the impact of these inaccuracies has been far-reaching. Not only have I experienced repeated denials for credit, but I have also faced denials for insurance coverage, rendering me unable to insure a newly acquired vehicle. This has directly affected my ability to work and maintain a stable living situation, leading to homelessness. 

I have diligently cooperated by providing extensive information and documentation upon request. However, despite my efforts and compliance, I continue to face this ordeal daily, with XXXX unjustly blacklisting me due to the association with the XXXX XXXX account. This unwarranted blacklisting has further hindered my access to financial stability and residence. 

The toll on my mental health has been severe, considering the distress caused by this situation. Its unacceptable that despite promises to rectify the errors, the credit bureaus continue to neglect my case, leaving me in a precarious and unjust situation. 

I demand an immediate and conclusive resolution to these matters. Your failure to rectify these errors has perpetuated undue hardships on my life. I require a detailed explanation of the investigative process that fails to identify the discrepancies in account names, which clearly do not correspond to my identity. 

Enclosed are copies of the evidence and documentation supporting my claims. I implore you to thoroughly review this information and promptly rectify the errors on my credit report. 

Please acknowledge receipt of this dispute letter and initiate a comprehensive investigation to address these issues with urgency. Your swift action in correcting these errors is imperative to restoring my financial integrity and mental well-being. 

I earnestly anticipate a swift and definitive resolution to these pressing matters. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-23
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2024-03-23
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: Experian Information Solutions Inc. (IN)

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 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, and # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Corp Solutions Inc. (FL)

Lady called and got me to verify my information by telling me the phone call was about a credit attached to my XXXX account. After verifying my XXXX she let me know it was actually to settle a debt. This was on speakerphone with my partner being able to hear. We are already having issues.
Consumer complaint received 2023-12-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
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)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance {$8600.00} XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX : XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX OF XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX, XXXX XXXX  XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX PLUS XXXX XXXX : XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-03-23
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. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-23
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. (NC)

I have taken a look at my consumer credit report XXXX and requested for your company to remove this public record XXXX XXXX bankruptcy. The United States Bankruptcy court does not report any information to the credit bureaus and it is not responsible for verifying information from consumers credit files. Bankruptcy filings are publicly available records. 11 U.S. Code 107 Per that law I took lawful procedures and contacted the bankruptcy court of XXXX XXXX XXXX XXXX XXXX and received notification back stating they dont provide information to third parties and credit reporting agencies. I didn't give your company permission to have any records and if you do believe I may have I am now opting out per the 16 CFR Part 312 you are in violation of 15 usc 6508 ftc law and the Privacy act of 1974. So any authorization or validation Your company believes that you have, your company no longer has and it needs to be deleted, removed from all my consumer reports immediately.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (TN)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-09-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

1.XXXX XXXX XXXX  XXXXXX/XX/XXXX
2.portfolio recovery $XXXXXX/XX/XXXX

inquries
1.XXXX XXXX
2.XXXX XXXX  
3.XXXX XXXX na
4.XXXX XXXX XXXX  na
5.XXXX XXXX 
6.XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (NJ)

After closing my account, XXXX XXXX is attempting to reopen a Chase credit card account in my name. I have not authorized this new account. In addition, XXXX XXXX is erroneously charging me {$95.00}. Please see 3 attachments. 

Just as important, is the fact that on XXXX I accidently sent my electric bill of {$200.00} to Chase. Please see attachment 4. I spoke to an account supervisor named " XXXX '' who told me that I would not be refunded without documentation from my bank attesting to my account status and account numbers, also a copy of a voided check, plus a statement that shows the transaction, Can not return without addtional details provided.
Consumer complaint received 2019-09-03
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: CITIBANK, N.A. (NJ)

Ive filed a claim and they keep siding with the merchant even though they have no proof for why they charged me and the credit card company keeps transferring me to other departments when I try to call and handle the situation because I definitely did not authorize these charges and would like my money back
Consumer complaint received 2024-03-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WI)

In the month of XX/XX/year> someone had taken money out of my account so I called SoFi to get a new card. They sent me a temp. refund of XXXX and sent me a new card. They never said anything about my account getting froze if I were to file a complaint for fraud. I called 2-3 times a week trying to get this lifted. On XX/XX/XXXX I was able to get my funds released after doing a Id verification and other requirements. The next morning it was still active. I went to use it that afternoon and it was again frozen. I called for more info and no one will answer me or just hang up on me. Its my XXXX check and I cant purchase food meds or anything. I explained this to them and told them that its not in the agreement to repeatedly freeze and unfreeze for no reason. They refused to give me a reason for the refreeze. Ive still been calling 2-3 times a week and was eventually told to stop calling and hung up on. They now said they were investigating my dispute and half was done and they had no time line on when they would finish. A few minutes later I received this email that I will upload below. XXXX XXXX XXXX XXXX on a fixed income please help. What would be the reason to freeze and unfreeze. This isnt in or explained in the contract. Also per SoFi Deposit Account Agreement it states nowhere that once you do requirements to unfreeze account after reporting fraud and they are no longer restricted. No where does it say for absolutely no reason they will freeze them again without explanation or warning. My account was already restricted and unrestricted for the dispute investigation. Also why is my account being closed. I dont understand why SoFi would issue me a new card and then out of nowhere say they are closing account and that it could be another 30 after investigation is done to receive my money. Just let me use my card and get my money out of account to live. I feel this is absolutely inhumane to do.
Consumer complaint received 2024-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (GA)

I had a mortgage from Wells Fargo from XXXX to XXXX I had to file for a modification in which Wells Fargo did not approve me and I then went to XXXX to receive help at the time
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My XXXX XXXX credit card is paid in full. I dont have any balance I cant dispute this online with you guys because you wont let me something is always wrong with your website. Can you please update my balance, so my score will go back up. Thank you.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-23
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. (MN)

This will be the third time I am formally filing a complaint against XXXX XXXX. I have informed them countless times that the account was opened and used fraudulently. Furthermore, I requested for them to remove the account from my credit report. It was removed for a time period then added again. I have filed a police report and identity theft report stating this. I have submitted from XXXX and can also be verified by XXXX XXXX and third party companies that my information has been STOLEN in a BREACH. This includes my physical address, email address, phone number, and social security number. This is the ONLY company who has REFUSED to remove their account and continues to target victims. I will continue to file complaints every single time they refuse to remove it and I REFUSE to pay a dime for an account that does not rightfully belong to me. I do not care if we have to do this for the 7 years that it will have to be removed anyway.
Consumer complaint received 2024-01-08
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)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block been made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I initiated a domestic wire transfer on XX/XX/2023. Chase called me on XX/XX/2023 to confirm and approve the wire. The wire still has not been sent out as of XX/XX/2023. I have called them numerous times and I keep getting the same answer. They still have not sent my wire.