davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

On Monday, XX/XX/2023, I sent a series of credit disputes to Experian via USPS. These letters were prepared by me personally, and I ensured that all necessary supporting documents, including a copy of my bank statement, social security card, and driver 's license, were enclosed. I dropped these letters off at the post office and paid for the postage. 

However, on Saturday, XX/XX/2023, I received an email from Experian claiming that they received a suspicious request in the mail regarding my personal credit report and had determined that it was not sent by me. I immediately attempted to contact Experian to clarify the situation and confirm the legitimacy of my disputes, but they refused to accept my dispute and have left my concerns unaddressed. 

I respectfully request the CFPB to intervene and investigate this matter. The correspondence was genuine, and the refusal to process my legitimate dispute by Experian is both distressing and in contravention of my rights as a consumer. Their refusal to even acknowledge my attempts to rectify the situation has left me with no other recourse than to seek your assistance. 

I am more than willing to provide any additional information or documentation that may be required for a proper investigation.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (PA)

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 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.
Consumer complaint received 2023-08-19
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. (IN)

I had a loan with XXXX XXXX they took me to court I won was dismissed in court and I've disputed it with all the court paperwork showing this count was disputed and I won it's in my favor I'm disputed it a few times with Transunion and XXXX but it just seems like they're not caring and they're not fixing anything they're taking their side over a court order it's a {$5.00}, XXXX XXXX XXXX there shouldn't even be showing on my credit report any longer it was dismissed an open court I sent the credit reporting agencies paperwork and they still refuse to fix it
Consumer complaint received 2023-08-19
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. (IN)

I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place.
Consumer complaint received 2023-08-19
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. (IN)

I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place.
Consumer complaint received 2023-08-19
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 2023-08-19
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. (NC)

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 2017-11-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed an account on Transunion. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of Transunion, and XXXX. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and  Transunion told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in 2022, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.
Consumer complaint received 2023-08-19
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. (MS)

I am trying to get me a house and car and I have tried disputing this several times and nothing is being resolved! Ive called many times and nothing is being done! According to the 15 U.S.C 1681 Law there shouldnt be any damages on my report, its a defamation to my character
Consumer complaint received 2023-08-19
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. (NY)

I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes.

When I rst noticed when my identity had been compromised I placed a fraud victim alert on my experian, XXXX XXXX and XXXX credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I still dont have any informationon who this theft is but I will update identityTheft.gov when i found who.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, both my Chase checkings and savings accounts were suddenly closed and they have not returned my money. My checking account had {$6100.00} and my savings account had {$7600.00}, totaling to {$13000.00}. 

When my accounts were closed, I was locked out of my accounts and unable to access any messages/communications via the online portal. The same day, I called Chase and they said the accounts were closed due to suspicious activity. Over the phone, they stated would return the remaining balance after they complete their investigation ( with no specific timeline ). A few days later, I received bank account statements and it seems like Chase removed all the funds from my account ( description : Debit XXXX  - Check Charge ). However, I never received a check for the ~ $ XXXX. 

Over the next few weeks, I continued to call and follow up on the progress of the investigation. The calls would last more than 2 hours with most of the time them putting me on hold. The calls led no where - the staff always hung up or transferred me and then later tell me there were no updates. 

I had enough and decided to go into the Chase branch to resolve this. On XX/XX/XXXX, I went in person and the banker basically did what I had done. They called Chase and relayed the same information I was already provided - funds are still locked and being investigated. This was more than a year after my accounts were closed... 

Time passed and I had slowly forgotten about this. Fast forward to recently - I attempted to go into the branch again and resolve this matter. On XX/XX/XXXX, I spoke with a banker and they said there was an archived letter on my account. However, my account was still locked and I was not able to access it. Till this day, I have not received a single letter, email, or phone call from Chase about my funds and closed accounts. The banker told me that they would try to retrieve the archived document. However, it has been more than one month now and there has been no updates at all. 

To sum this all up, Chase closed my accounts about 4.5 years ago and has not returned my total balance of {$13000.00}. Despite numerous attempts of calling and even going in the branch, they have not provided an update on their investigation on my account and have stalled for the last 4.5 years. Additionally, I have not received a single letter, call, or email.
Consumer complaint received 2023-09-29
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. (FL)

Under the Fair Credit Reporting Act 15 USC 1681 section 602a, which mandates fairness, impartiality, and respect for consumer privacy by consumer reporting agencies such as Experian. I assert my right to safeguard my private information as supported by 15 USC 6801. Furnishers of information to credit agencies, being financial institutions, must respect customer privacy and security according to the same title. However, they have not obtained my written consent, as required by 15 USC 1681 section 604a ( 2 ), to furnish this information. Additionally, 15 USC 6802 ( b ) ( c ) obliges financial institutions to inform consumers of their nondisclosure options, which was never done in my case. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting adverse information without consent, which Experian is violating. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e dictate accurate information reporting and reasonable procedures maintenance, which Experian is not complying with. Finally, 12 CFR 1016.7 grants me the right to opt out at any time, which I am exercising.
Consumer complaint received 2023-08-19
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. (MS)

I am trying to get me a house and car and I have tried disputing this several times and nothing is being resolved! Ive called many times and nothing is being done! According to the 15 U.S.C 1681 Law there shouldnt be any damages on my report, its a defamation to my character
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

I have a late payment on my account that has not been removed and i never had on my account. Also i wrote XXXX a letter to get this removed and they did not open the investigation even. I was set up on auto payment but yet somehow i have a late pay showing on my credit report. Please assist me in getting this removed from the three credit bureaus.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX is reporting incorrect information on my XXXX and Equifax Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on XXXX  as XXXX XXXX and on Equifax it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.
Consumer complaint received 2023-08-19
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. (AR)

I sent my letter previously to three credit bureaus to inform them that the disputed items still remain on my credit file. I kindly request that you assist me to investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Kindly assist me to remove these fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00}.
Consumer complaint received 2024-07-23
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. (MO)

I am writing to file a complaint about inaccurate and unfair reporting on my credit report. 
Back in 2020 I submitted a hardship letter based on the XXXX XXXX credit protection act. I asked the credit card carrier for accommodations based on hardship because I was financially affected by the pandemic. A certified letter was sent to the credit card carrier. My letter was never acknowledged, and after calling numerous times nothing was done by the credit card company to help. Instead, my account was sent to collections where it now reports several months of delinquent and late payments. 

Therefore, I believe that in accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's one 6 6B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I ask that action be taken by the credit reporting agency and remove any information that violates my rights as a consumer.
Consumer complaint received 2017-11-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I sent Transunion Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Transunion to submit verifiable proof since these are unverified bankruptcies. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate and information updated. On XX/XX/XXXX, I mailed Transunion another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Transunion sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is verified as accurate. Transunion has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts and PACER, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-23
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. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least XXXX sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think illegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.