davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chaplain Financial Services LLC (TX)

I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX  XXXX XXXX XXXX XXXX got paid by the insurance company and still was trying to make me pay two different amounts
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America issued a XXXX statement a month after closing my card. They claimed it was for interest on past purchases today, but when I closed the account I was told I only needed to pay off the statement and I was good to go.
Consumer complaint received 2020-03-05
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

DEPTEDXXXX XXXX {$230.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$910.00} DEPTEDXXXX XXXX {$190.00} DEPTEDXXXX XXXX {$120.00} DEPTEDXXXX  XXXX {$460.00} DEPTEDXXXX XXXX {$3400.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX XXXX {$630.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$650.00} XXXX XXXX XXXX {$440.00} XXXX/XXXX  XXXX {$570.00} XXXX XXXX XXXX XXXX {$650.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-12-24
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. (SC)

I pulled my credit report and noticed several accounts that do not belong to Equifax Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

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. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (MO)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, TransUnion Bureau was notified to delete all addresses and phone numbers listed on my credit report/file. A certified dispute letter ( certified tracking # XXXX ) was sent directly to the company for corrections to be made immediately. TransUnion has been advised of the violations being committed according to code 15 USC 1681a Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transaction or experience between the consumer and the person making the report. 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 instruction.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

Chase bank claims to have sent a document to verify my SSN around the opening of my account yet have not attempted to reach out in any other way notifying me to expect this document. On XX/XX/20 Chase bank restricted my account which I only found out after going in to the local branch on XX/XX/20 to apply for a credit card. I was informed that I would not have access to my funds at all and to fill out a form that would be sent in wherein my account would be unrestricted in two days with the possibility of it being completed the next day. I signed my name on the document and verified it with the associate in the branch who then sent it off. The next day XX/XX/20 I contact the customer support number and get transferred to the compliance department to check on the status of the application where I was informed that the document was missing information and that I could in fact actually retrieve funds in the interim while the document was being processed if I go to a branch. That same day I leave work early to go back to the local branch and was assisted by the branch manager who had me fill out the form again with all the information this time and was informed that there was still a two day processing time before my funds would be released and that I would have to go to another branch to get the interim funds which would be closed when I arrive. Due to this I had to go retrieve funds the next day. 

On XX/XX/20 I go into the other branch an was able to pull a requested {$50.00} from the account on the branch managers approval. 

On XX/XX/20 I call the customer service number and was connected to compliance again only to be told there is an outage with the system that handles those requests and that my account will not be available until next week XX/XX/20 at the earliest. 

In this time my account was restricted I have had rent due, I have bills pending to be due and likely pending a late fee should they not be paid of which will report negatively on utility accounts and mar an otherwise perfect payment history I have had with these companies.
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

On XX/XX/XXXX, my home was damaged. My homeowner 's insurance company. XXXX XXXX XXXX sent an adjuster to look at the damages. I had wind damage to my roof and mold damage to several walls and baseboards. On XX/XX/XXXX, XXXX XXXX sent me a preliminary settlement for the damages of {$44000.00}. The check was made out to me and my wife and also HomePoint Financial ' At the point, I called HomePoint to see how to handle the check. They sent me written instructions on how to endorse and send the check to them along with the various accompanying documents they required. They acknowledge receipt on XX/XX/XXXX In addition, the XXXX XXXX adjuster sent his report on the damage and the cost to repair to it on XXXX XXXX. It even included a contractors estimate and agreement to do the work. Initially, HomePoint told me they would send me a check for the repairs but withhold ten percent the amount until their inspector approved the work. I never received the check nor heard from HomePoint again. I have called them several times and each time they had an excuse for not sending the check. Finally, on XX/XX/XXXX they told me that they did not like the adjustors report, so they were putting the check in escrow. They offered no remedy.
Consumer complaint received 2020-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I believe I reported this to your bureau already and they initially said the time wasn't completed to allow them to complete investigation and the date kept changing citing new inquiry just like I expect the date to change again and it's been over a year. I allege they are not investigating this dispute they are manipulating the dates. I want them to stop as I was kept from opening a new dispute for another company because this dispute from XX/XX/XXXX. If this adversely affects my credit report they have impacted my report and if this would have affected my positively they have adversely affected my report, I believe they are in violation ( In addition, specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to $ XXXX.XX/XX/XXXX )
Consumer complaint received 2020-03-05
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : XXXX XXXX - Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX XXXX XXXX XXXX ( original Creditor : XXXX ) - Account # XXXX XXXX Account # XXXX
Consumer complaint received 2023-05-11
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. (NJ)

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. 

XXXX XXXX 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 an 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.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my extreme dissatisfaction and frustration with the manner in which my account information is being reported by your organization. It is disheartening to see that TransUnion, a supposedly reputable credit reporting agency, has failed to accurately represent my financial standing. 

Let me be unequivocally clear : I am not disputing the existence of the account in question. What I am vehemently disputing is the erroneous manner in which it is being reported. It is inconceivable that a company of TransUnion purported caliber could be so careless and negligent in its reporting practices. 

The inaccuracies in the reporting are not only damaging my creditworthiness but also impeding my ability to manage my financial affairs. Your organization 's failure to report accurate information is not just an inconvenience ; it is a blatant violation of the trust and responsibility bestowed upon credit reporting agencies. 

XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and aggressive correction of the inaccuracies in the reporting of my account. This is not a mere suggestion ; it is a non-negotiable requirement. The fact that I have to dedicate my time and effort to rectify an issue caused by TransUnion incompetence is both infuriating and unacceptable. 

I expect a thorough investigation into the matter, and I insist on receiving a comprehensive written response within [ reasonable timeframe, e.g., 15 business days ] outlining the steps TransUnion will take to rectify the inaccurate reporting on my account. Failure to comply with this demand will leave me with no option but to pursue legal remedies available to me and file formal complaints with the relevant authorities. 

I find it lamentable that it has come to this point, but your organization 's egregious errors leave me with no alternative. I trust that you will treat this matter with the urgency and seriousness it demands and rectify the inaccuracies promptly.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-01-05
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: Consumer Adjustment Company Incorporated (FL)

I got an alert that there was a " check by phone '' loan opened in my name in 2017. I disputed this with the creditor and with the credit reporting agency. 
ACCT NO. : XXXX ACCT BALANCE : {$360.00} ( this is with interest included ) ORIGINAL BALANCE : {$300.00} This was NOT me, I had a slew of loans and accounts opened in my name around the time of this happening. My email was hacked as well as my bank accounts. I have reported this previously.
Consumer complaint received 2023-01-05
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. (GA)

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 2020-03-05
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: CITIBANK, N.A. (FL)

On XX/XX/XXXX and XX/XX/XXXX I paid XXXX XXXX {$1800.00} x 2 = {$3700.00} to install carpet in my house. I received the the worst inferior quality carpet and a completely shoddy installation. The carpet started deteriorating and separating from the walls and stairs within a week. I opened 2 disputes with citivisa, the credit card I use. It took them many months to resolve this. I had to submit numerous letters and documents. I lost one of the disputes because the paperwork that citi sent was in 2 parts which looked exactly the same and I only sent it in once. When they informed me that I lost one of the disputes they told me to send it in immediately which I did and it was 3 days late. They did not honor it. They the carpet company put the {$1800.00} that he lost back on my card without my authorization or knowledge. When I found out citi asked me to dispute it again and redocument the problem with XXXX  of the same information and have people come out to evaluate it. Unbelievably I fell for this and spent more time to dispute the fraudulent charge. They determined after 4 months that it was a legitimate claim but put the charge back on my card! because they " couldn't collect it from him '' (! ). I called them on XX/XX/XXXX and told them this is an outrage and I will not pay it. They are a very bad credit card company and need to be contacted by you. I am also making a report through identitytheft.gov.
Consumer complaint received 2020-03-04
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. (OH)

My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order.

I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : 1. XXXX XXXXXXXX XXXX XXXX XXXX - This account was paid in full 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX - This account was paid in full 4. XXXX XXXX - # XXXX