davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-10
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. (FL)

I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

Discover Bank Account # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by XXXXXXXX XXXX XXXX This creditor has re-aged an account on my credit report, which is a violation of the FCRA XXXX This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open, reported and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off. 
Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's credit score and can lead to higher interest rates or even denial of credit. 

I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my credit score be reversed. 
Thank you for your time and attention to this matter.
Consumer complaint received 2015-12-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Rocky Mountain Recovery Group (WY)

A process server has come onto my property which is marked with multiple " no tresspassing '' signs. She claims that she was given permission to do so, she was not. She claims that the paperwork she needs to serve is in sealed envelopes so she does n't know who it 's from. She claims to work for Rocky Mountain Recovery and XXXX XXXX XXXX who claim to be attorney 's in Wyoming but no one has ever seen in a court of law. I have told her I will not allow her on the property with this vague information and she claims the order is signed by a judge which gives her that right ( how can she tell if it 's in a sealed envelope ). I told her if she tresspasses again I 'll have her arrested and seize her vehicle. I 'm also in the process of filing a restraining order against both of these companies as well as this person. She has harassed my son who is staying with me while he recovers from a XXXX XXXX.
Consumer complaint received 2023-02-07
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (FL)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (NM)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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)

in XX/XX/2022 i recevied a copy of my consumer report nowI am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items asa soon as possible
Consumer complaint received 2022-11-22
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NY)

Several transfers were attempted to be made into my bank account with Truist from a XXXX account. These transfers were made between the XX/XX/XXXX and XX/XX/XXXX. After giving time for these transfers to clear ( about 2 weeks ) I still had not received any of these funds. I called Truist to see if there was a problem with my account, or if the money was taking longer than expected to clear. The representatives on the phone where extremely unhelpful, could not see any record of these transactions being sent and told me to contact the other bank. The other party that attempted the transfer has been in contact with their bank as well, XXXX claims they can not link my account number to my account and the money has been put on hold due to potential fraud. The account number and routing number I provided are accurate, there were no errors by either party in transcription, these are the correct numbers. XXXX also claimed there was nothing they could do and the other party was told to contact Truist. The funds have been removed from their account but not transfered to mine. Neither party was informed of this hold being put on the funds, no notice was given, and no help is being offered. As it currently stands the other party is attempting to get the money refunded so it can be sent through third party services ( XXXX XXXX XXXX. ) As a result of their ( XXXX ) inability to verify my account with Truist and the refund request these transactions are now being investigated as fraud by XXXX and a further hold has been placed on the funds. As far as I can tell I have done nothing wrong but I have been struggling financially for almost a month now due to bank error.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

i have sent multiple letters about addresses and names that are incorrect on my credit report. one on XX/XX/2022 then responded XX/XX/2022 with them leaving incorrect information on my report. The only address that should be associated with my account is XXXX XXXX XXXX XXXX, XXXX XXXX and name XXXX XXXX XXXX.
Consumer complaint received 2021-01-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

Hello, I received the response from Nelnet on the CFPB website. I reviewed it and I have some questions. I would like to know how and when was I notified that I was supposed to start payments in XXXX of 2014? I was still contemplating classes and under the impression I was in deferment. Can I get the documents that stated I was to begin payments at that time?
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX of XXXX  I deposited 2 checks # XXXX. {$670.00} # XXXX. XXXX which was made out to me and my mother from XXXX XXXX XXXX, my mother went with me, showed her ID, endorsed it in front of the teller, then I did the same... but there was a hold aced on this check. 
They required further verification which consisted of going into the branch and having my mother present 2 forms of ID, then they required the check issuer " XXXX  '' acknowledging to have issued the check in question which they did, but it didn't matter ... then they wanted to verify all the previous checks deposited ever. 
On XX/XX/2022 my account was closed and the amount kept was {$1700.00} I tried to get the freeze lifted and everytime was requested to do something different, I asked them to release the funds to the state treasury but they won't do that, I asked to have the money returned to XXXX, but they won't do that either, i have never had any issue with any check I ever deposited and chase is a 3rd party accepting bank... I feel discriminated against and the relations that they must follow over extended and violated... 

I have lost my car, am about to get evicted and am a single mother of XXXX.. 
Please help me get this resolved, it's not right they closed my account and kept my money which wasn't a problem other than to my own bank...
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

This is a complaint from XXXX XXXX against XXXX XXXX XXXX for MCMs failure to provide requested information for the debt alleged. On XX/XX/18, consumer ( through legal counsel ) sent a written request for documentation on this debt, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
Despite the detailed request for documentation and reasoning, Midland responded on XX/XX/18 that they were unsure what the consumer was requesting. A second letter was sent by consumer on XX/XX/18 specifying the concern that Midland has the authority to collect, and again detailing documentation that would show this. It has now been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2023-02-07
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. (KY)

I keep asking you to remove this suspicious data, so please do. Because I don't think you checked these things, I'm going to sue you for breaking Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I mentioned this in my last COMPLAINT #, but I'm including it again. Please do not ignore my request to correct these false entries in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
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. (MD)

On XX/XX/2022 submitted a dispute letter to Experian by way of priority mail. Acceptance Cutoff XX/XX/2022 XXXX XXXX  Acceptance Time No Data Expected Date XX/XX/2022 XXXX XXXX  Delivery Status Delivered, Left with Individual<br/> Details Account Number XXXX Return Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Delivery Address EXPERIAN XXXX DISPUTES XXXX XXXX XXXX XXXX, TX XXXX XXXX Ship Date : XX/XX/2022 From : XXXX Service Type Priority Mail Flat Rate Envelope Experian has never acknowledged my dispute or investigated within the 30 days are required by law. It has been almost 2 months now with no response. I also sent an email and telephoned and a representative would not help me with unauthorized inquiries. My personal information is also wrong. It shows it was delivered to them Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to an individual at the address at XXXX XXXX  on XX/XX/2022 in XXXX, TX XXXX. 

Get More Out of USPS Tracking : USPS Tracking Plus Delivered Delivered, Left with Individual XXXX, TX XXXX XX/XX/2022, XXXX XXXX  I want the requested information removed immediately. This is stopping me from getting necessary credit needed. I got an email from XXXX XXXX on XX/XX/2022 but he said I needed to call again? Why should I have to keep calling to get resolution. I want this resolved immediately and the incorrect items removed according to my letter and those fraud inquires removed. Thank you
Consumer complaint received 2024-03-27
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. (PA)

I had previously sent a notice to remove some accounts on my consumer reports due to identity theft as I did NOT consent for it to be reported. However, I noticed that it is still being reported and one of the accounts has a very clear inaccuracy as it has 2 different account numbers and another has different account types, different payment status, and different date of last activity. Please see attached exhibit. These accounts are not related to any transactions made by me, XXXX XXXX XXXX, the consumer. According to 15 U.S. Code 1681c-2 this is my statement that all of the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft and must be removed. Please delete these unauthorized accounts or your agency with be in violation of 15 USC 1681c-2 which states that any information that the consumer identifies as the result of an alleged identity theft shall be deleted within 4 days of receiving an identity theft report. 


This has now become aggravated identity theft as I did NOT consent and asked you to remove this information multiple times before. In refence to the listed accounts on the attached letter, pursuant to the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization to report the referenced accounts that I, the consumer, may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (HI)

Im XXXX I had a card lost or stolen at XXXX  XXXX  in XXXX Hawaii when I went to pick up a prescription. I immediately called American Express and they said they would issue a card immediately that took over ten days to arrive. Then the problems, harassment, texts and emails in the middle of the night, threats to ruin my credit started. It seemed impossible because I always pay extra and have auto pay on my account thats XXXX every month on the XXXX, the last day of the billing cycle. I called and they hung up, they extrapolated at least 10 payments in a 30 day period plus taking multiple auto payments from my account they were unauthorized to take. At the end of the day they started more threats, threatening to reduce my credit, make extra payments and sending threats about ruining my credit. Finically I called and they said they saw the problem but failed to Fix it for the last week. These idiots created a new account and billing cycle on a replacement card and changed my billing cycle in XXXX on my existing account Ive had since 2002. This is NOT the first time American Express has changed a billing cycle without notice to deny me points I earn on large purchases, like construction costs.
Consumer complaint received 2017-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo claims there was a clear title when modification was obtained. Have furnished supporting documentation from Wells clearly showing they delayed finalizing my modification due to title issues. Title clearly has these liens even then. Liens were put on in  XXXX .and 12 2 years prior to modification.
Now Wells Fargo states they can not do a modification nor principle reduction which   XXXX   XXXX   offers due to these same liens that were there years ago. ( letters attached showing Wells Fargo refusal to assist in any way due to prior modification and any other excuse they can come up with ) they state all liens must be cleared prior to a modification.
How did I get the last one, why has Wells Fargo put a claim in with the title company for the errors made by title and Wells?
Why did Wells deny my right to contact the title company concerning these errors?
Why has Wells refused any help since I asked close to a year ago.
Why is it that there is no protection for homeowners again?
How is it that Wells collected on a title error for the loan and I cant get assistance?
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to address the ongoing issue regarding the erroneous late payment entries on my consumer report for the months of XXXX and XX/XX/year> with XXXX XXXX account ( XXXX ). Despite previous communication and demands for immediate action with XXXX, I am disappointed to see that the issue remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a, I have the right to expect fair and accurate reporting of my credit information. 
Additionally, 15 U.S. Code 1681s-2 imposes responsibilities on furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information. 

Additionally, I have observed discrepancies in the " last reported '' and " date of last payment '' sections across different credit bureaus. Such discrepancies violate my FCRA rights and further highlight the inaccuracies in the reporting of my account information.
Consumer complaint received 2022-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

You have XXXX hours to respond.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXEquifax Disclosure Department XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX