davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (CA)

This is XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the inaccurate Personal information as well as the remaining unauthorized inquiries reporting on my Credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information reporting on my Credit report. I have been sending dispute lettesrs to the Credit Bureaus and have been waiting for their response and yet I received nothing! I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. If it is not too much to ask for, I want the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2020
Consumer complaint received 2022-11-09
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-09
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} 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 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-09
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. (CA)

I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account immediately! 

XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts immediately! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-03
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: Comerica (OH)

I was living in XXXX XXXX from XXXX XXXX XXXX and the people I lived with stole my direct express card and now I have no way to report it as a fraud. I called the social security office and they aren't receiving any new calls
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I have had an issue with PayPal since XXXX of 2021. Someone is using my personal information such as my name, email address, and phone number to use a PayPal account. It also seems my credit/debit card information was stored there as well. Again, I do not have an account, but various charges have been made using that PayPal account with my personal and payment information on it. I have called - multiple times- to try and resolve these issues. Their support blows, as its filled with a bunch of XXXX and XXXX overseas outsourcers that have no idea what theyre doing and frankly shouldnt be employed. I have filed police reports and theyre still under investigation since my bank pretty much said to resolve this with the merchant or company that Im having this issue with. I am owed a total of {$870.00}, as those are the charges I see on my bank account that were made.
Consumer complaint received 2022-07-10
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 — Their investigation did not fix an error on your report
Company: Ready Capital Corporation (CA)

This account has been fraud since XXXX Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been XXXX report sent in an person in XXXX. I want this deletes now. 
The next steps is hiring an attorney.
Consumer complaint received 2023-12-20
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: DISCOVER BANK (CA)

Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were XXXX  with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX military family that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : Executive Office of Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXXXXXX XXXX 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) Inquiry Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available Monday-Friday, XXXX XXXXXXXX XXXX. ET. 



Sincerely, XXXX Executive Office of Customer Advocacy Public
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is my second complaint about this company. My last payment to them was in XXXX. In XXXX, I was unable to log in, my account was locked. My monthly minimum went from {$55.00} to {$220.00}. I contacted the company and they are not willing to work with me. I've been harassed with phone calls XXXX to XXXX  times a day. day and night, with XXXX call being past XXXX XXXX. I was hospitalized for most of XXXX. I have been out of work and I would really hate to see my credit score drop. I have been working hard to better myself and they are not being helpful. I was shocked that they were expecting me to pay that much considering the circumstances. My minimum payment due keeps increasing and the fees keep piling up. Instead of my account balance going down, it keeps getting higher. The credit card company will not help. I've called several times and they keep hanging up on me. This account was closed. but the fees keep going up. I don't even have a card.
Consumer complaint received 2022-12-20
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. (CT)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (PA)

I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am being taken advantage of by transunion, XXXX and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 me and my wife, XXXX XXXX, opened a joint checkings and savings account with Chase at the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. 

After opening our accounts, we deposited a majority of our cash and checks ( our wedding gifts ) in the ATM inside the branch with the banker, XXXX XXXX, as per his instructions. The ATM had an error and temporarily displayed a deposit of {$13000.00}. It spit out the checks we had deposited in the ATM, but none of the cash. We deposited the checks with the bank teller, so we were only missing the cash at this point. 

Our banker, then opened a claim for us right away for {$13000.00}. At home, we determined that missing cash amount was {$9700.00}. 

Chase gave us a temporary credit of {$13000.00}. 
Weve now received a letter from Chase that they were unable to locate the missing funds and will be removing {$11000.00} from our account. 

Via telephone call our banker, XXXX, confirmed that only $ XXXX {$4000.00} should be removed from our account, however the Chase claims department has continued to inform me that the full {$11000.00} will be removed.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (NC)

i have written XXXX XXXX experian to remove my private information of my bankrupcty from my reports and they lied and wrote back the court gave them the information in which i filed the same letter to the courts in which wrote back they didnt give them my private info... this is a huge disrespectful violation of the laws 15 u, s code 6801 i have consumer protection sections 15 u, s code 6801 @ ( a ) has been violated also ( b ) also sec ( 1 ) states to insure the security and confidentiality of customer records of information section ( 2 ) and ( 3 ) another violation of u, s code 6801 to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer...

all three credit reporting agencies keeps responding with eoscar automated letters and refuse to obey my privacy rights they do not have any hand written information from me i have been battling this since XXXXXXXX and each reponse tells me they verified with courts the courts wrote they dont share my info and are not affilated please have them remove bankruptcy enclosed is prof the court systems the provider isnt lawfully listed this is identity thef on their end..