davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fro any purpose.
Consumer complaint received 2022-05-27
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. (SC)

So I sent a letter off on XXXX XXXX. Here is my tracking numbers # XXXX and XXXX. To remove personal information that I do not want on my credit report. According to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fro any purpose.
Consumer complaint received 2024-06-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services (PA)

Good afternoon, I'm not sure how to go about getting these hard inquires removed from my credit report. A car company ran my credit numerous times after I said I was using my Credit Union. 

Down below are the dates listed and companies used to pull my credit : XX/XX/year> : Lendmark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (WA)

In early XXXX I registered for a Chase Freedom XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get Chase to resolve the issue. 
Since that date, the card has not shown up on my XXXX and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called Chase about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, Chase must not be reporting it, call Chase. 
I called Chase, told them XXXX said to call them, and they escalate me to XXXX of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking Chase back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what Chase told me, and they told me it wasn't their fault, Chase must not be reporting it, call Chase. I stressed to them that it's not Chase 's fault, and asked to speak to a supervisor, but they refused and told me to call Chase. 
I called Chase, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Please see previous complaint regarding this issue The company blatantly lied in their response with incorrect information about the situation Previous Complaint number is XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage A copy of the companies web site which a form was submitted for the favor on credit was submitted This also being filed with the office of the comp controller I resent your sarcastic tone and the lies written in your response. 
I despise passive aggressive behavior and liars. 
But thank you Because now I have written proof to file a complaint with the comp controller You may think its no big deal lying and throwing the blame back on the customer all with a immature child passive aggressive attitude. 
Not sure whom wrote the response but they should not represent your company. 
This is no way is how a professional company should respond to anyone Ever! 


1. Never did I ever say the tax shortage was not shell points fault You have a open escrow account for my mortgage It is your responsibility and fault if taxes and or insurance does not get paid in a timely matter. 

2. I have proof I am providing that I most certainly did send the proof of of the tax shortage immediately after I called and spoke to the rep and requested the escrow department look into the account Also I hate to be misquoted I said in 2013 way before your company was involved with my mortgage I had a lien from my association for a laughable 50 dollars but to remove was a process not worth repeating!!!!!!!! 

I ado said that your very own website says that you can do a one time favor for credit reporting Which a rep told me that you were able and since this was the first request I was more than likely to have that granted I am also providing proof of this Which by the way destroyed my credit and my sons summer semester Because!!!! 
I was in the middle of a loan when my score dropped 48 points! 

But when the obvious immature spiteful Im guess from the complaint got ahold of my request they denied it. 
And the rest is obviously easy to see because how the response was written 3. As stated in your letter with your sarcasm You wanted us to thank you for the lien not being placed And your double talk about the credit reporting.
Consumer complaint received 2024-02-20
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. (MD)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my TransUnion and XXXX credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call TransUnion. 
I called TransUnion, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them TransUnion said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at TransUnion and XXXX, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call TransUnion again. 
I called TransUnion, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what TransUnion said ( which is, not much ), and they said there's nothing they can do, it has to be solved by TransUnion. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I was in a COVID forbearance and when it ended I was told I could apply for a modification or a repayment plan. I submitted all the paperwork but was denied bc the lender does not allow more than one modification on the loan, and i previously had a modification, prior to COVID. When my state shut down and everything stopped working, I had no choice and was offered a forbearance. Now that it is over, the lender wants all the money, and refuses to offer any repayment. That is very unfair and not what I was promised. I submitted a new package for review and I am attaching the application.
Consumer complaint received 2022-05-27
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. (TN)

I have sent four ( 4 ) dispute letters from XX/XX/XXXX to XX/XX/XXXX to the bureaus highlighting inaccurate and incorrect information pulled directly from my credit report but the bureaus failed to remove these negatives information from my file. The bureaus kept stating after their investigation, the information disputed were accurate and verified, without providing any proof or the type of investigation used to verify these inaccurate and incorrect information. These bureaus even violated the FCRA regulation because no or proper investigation was conducted to verify the disputed information. Despite additional inaccurate and incorrect information, I always highlighted in each letter I sent, the bureaus failed to remove the negative information and kept reporting them in my credit file. All the disputed item information are in the attached letter I provided.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XX/XX/2019 {$630.00}, XXXX XXXX {$300.00}, XXXX XXXX {$3700.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$6900.00}. I Disputed this accounts and No resolution to this fraud.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

There was a fraud on my Citibank Checking account. This caused massive overdrawn and returned payments. Citibank is supposed to assign a provisional credit yet keeps giving me stories about processing this or the length of time it's going to take. Their reps do not let me speak to a supervisor. It has been 10 days and they still have not even started an investigation. This is a serious amount of money {$3000.00}. Citibank continues to give me excuses. This is serious fraud and needs to be addressed. They are constantly charging me fees while they haven't done anything about the fraud.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of a crime on XX/XX/2019. An international gang forced me to use my credit cards and cash obtained on my business XXXX card to buy {$10000.00} worth of gift cards at XXXX  and XXXX XXXX store, then they took the numbers off the gift cards and bought XXXX watches at other XXXX  and XXXX XXXX stores. I reported the crime and fraud to the XXXX XXXX Police Department ( incident # XXXX ), the local FBI office, filed a IC3 Internet Crime Form, cancelled my credit cards, contacted the XXXX and XXXX XXXX merchants ( the XXXX were already bought and gone ). The banks involved were XXXX XXXX, which wrote off the credit card charge as fraud, XXXX XXXX, whose XXXX card charge of {$1500.00} was paid by XXXX XXXX as autopay but is investigating refunding the charge to me as fraud, and Chase Bank, which closed my business XXXX account and moved the {$4000.00} charge to my XXXX XXXX XXXX card, which has never been activated. Chase Bank fraud department won't consider investigating the crime as fraud and keeps charging me interest on the {$4000.00} charge from the closed account. The gang was able to hack into my Chase Bank accounts online because Chase bank doesn't have 2 way verification of my online bank accounts.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-05-27
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} .
Consumer complaint received 2022-05-27
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. (TX)

According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 14 violations of my rights accross 12 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609.. 

I logged into the XXXX website, to dispute these items and discovered that I could only submit one item every 30 days. It would take approximately one year to get all these items corrected. I should be able to report and have items corrected in a reasonable amount of time..

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out ''. 

>>>Inconsistent and Inaccurate regarding Date Last Active for 12 accounts ]. 
- XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX - XXXX  XXXX Account # XXXX ( listed twice ) - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX. 
Furthermore, some of these accounts have additional violations which are also highlighted below. 
. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX After a previous dispute of this account, XXXX XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
. 
- XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX I never opened an account with XXXX  in XXXX of XXXX. This account should NOT be on my report. 
>> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX This Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXX Account # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number
Consumer complaint received 2022-05-27
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} .
Consumer complaint received 2022-05-27
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)

I sent a letter on XX/XX/XXXX requesting to remove the Fraudulent Information : XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2022-05-27
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$0.00} and XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX
Consumer complaint received 2022-05-27
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$65.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.