davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
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. (TX)

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, XXXX, XXXX   and Equifax are reporting this account as derogatory with different reporting information. For instance, XXXX   reporting high credit as XXXX and credit limit as XXXX. XXXX reporting account balance as XXXX and credit limit as XXXX and Equifax is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing Equifax was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CO)

I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove from my credit report.
Consumer complaint received 2019-12-06
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. (CA)

On or about XX/XX/XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to XXXX, TransUnion, and XXXX  with no " investigative results report ''. TransUnion replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the Trans Union cover sheet dated XX/XX/XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached TransUnion cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with XXXX, XXXX  and TransUnion with no results or cooperation.
Consumer complaint received 2020-03-01
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. (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, XXXX, Experian and XXXX are reporting this account as derogatory with different reporting information. For instance, XXXX   reporting high credit as XXXX and credit limit as XXXX. Experian reporting account balance as XXXX and credit limit as XXXX and XXXX is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing XXXX  was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NJ)

Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social Every time I try to open a account with chase they shut it down for no reason
Consumer complaint received 2020-03-01
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. (TX)

From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX. XXXX   XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, Transunion, XXXX   and XXXX are reporting this account as derogatory with different reporting information. For instance, Transunion reporting high credit as XXXX and credit limit as XXXX. XXXX reporting account balance as XXXX and credit limit as XXXX and XXXX is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing XXXX was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

About a month ago, I was approved for a discovered card. I received the card, as the already approved me, and used it. Within 3 days, I wanted to finish setting up my online account but fond an error message to call some 855 number. I also received an email stating that discover needed to verify my XXXX idententy, or something like that. I miss managed the form and immediately called to have it re-sent to me, she said it would take a few days to update my account. I IMMEDIATELY filled this 'previous ' IRS address. I filled it and sent it. 

This morning, I received an email that my account was closed! I contacted the chat link, but all I got was 'you will get a letter in the mail '. I asked the chat person if DIscover needed a DNA sample, or what?

1. DISCOVER ACCUSED ME OF STEALING MY OWN IDENTITY! This is humiliating. And they do not know that as a XXXX VETERAN with XXXX, the simple act of 'calling ' IS NOT something I do, yet I did, as a responsible costumer. DO THEY WANT MY MEDICAL RECORDS? I can prove my XXXX! 
I provided all my information to the best of my knowledge in full honesty. I am me!

2. I wasnt even given a chance to make payment before DISCOVER CARD affected my credit reports! Now I have a suddenly, closed account that dropped my score. DISCOVER CAUSED ME CREDIT HARM!!
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2019, I made a purchase from one of XXXX XXXX locations in XXXX  XXXX. I was led to believe they lady is giving me a membership card but she ordered a credit card under my name without my permission. I immediately cancelled the account on the same day, but since then have been receiving monthly bills. Since then I had to call three times to cancel the account, and each time, was guaranteed the account is closed. 

Last week I received a letter asking me to pay XXXX  dollars for the credit card, due to fees and interest. The due date is tomorrow, and I just not got back from a vacation and witnessed it. 

I called again, and canceled the account, again, through a machine, due to customer service being closed. 

I'm not sure how to address this issue anymore and asking for assistance.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm a XXXX Veteran and had no income for over 2 years. Because of this I voluntarily surrendered my vehicle to XXXX XXXX and set up payment plans through XXXX on XX/XX/18. I have been adhering to the payment plan since then. 

TransUnion is reporting the auto loan twice under XXXX XXXX XXXX and XXXX XXXX Services. TransUnion reports as bad debt. No mention of paying installments as agreed. No revision to the balance owed. 

I have contacted the credit reporting agencies, XXXX XXXX and XXXX with no success of getting anything updated. 

XXXX XXXX account # XXXX XXXX  account # XXXX
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

I submitted my monthly payment as normal via my bank 's epayment service. All other vendors received payment but Ditech has not received my XXXX 2016 payment as of today 's date XXXX/XXXX/2016. To avoid bad credit reporting, I was forced to repay the XXXX 2016 payment for a second time on XXXX/XXXX/2016
Consumer complaint received 2020-03-01
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: Bull City Financial Solutions, Inc (WV)

XXXX XXXX has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with XXXX XXXX to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a Bull City Financial from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.
Consumer complaint received 2020-03-01
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. (KY)

I have credit inquiries on my transunion report from XXXX XXXX  and XXXX XXXX that I did not authorize. They are reported on XX/XX/XXXX. I also have inquiries from XXXX on my report that I did not authorize on XX/XX/XXXX.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I applied for and received a Chase Freedom Unlimited credit card. It stated that I would receive {$200.00} if I spent {$500.00} within the first three months, which I did. Now they say it will only be {$150.00}.
Consumer complaint received 2020-03-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

Portfolio Recovery has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with Portfolio Recovery to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a XXXX XXXX XXXX from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.
Consumer complaint received 2020-03-01
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. (NC)

I travel a lot because I am a XXXX XXXX. I try to make sure my information is secure and safe but it has still been compromised. For the past 8 months I have been submitting in disputes as well as calls to Equifax about the fraudulent data they are reporting on my credit report. One thing that really irritates me is they report fraudulent accounts/data but fail to list the name and account numbers of the accounts which makes it hard to dispute. I have had to do a lot research to gather the information. 

Anyway- I have enclosed a copy of my police report that was filed. I have also had the police report notarized and I have included the police captains business card in case anyone has any questions. I have 4 fraudulent accounts on my Equifax credit file and unanswered/unknown inquires that have been posted to my file.
Consumer complaint received 2023-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XXXX XXXX is charging a convenience processing fee to pay online and told me it was a STATE policy - I live in Texas, it is not a state policy or I would have to pay other companies. They didnt send me a notice of this charge and I have been paying them for at least XXXX XXXX now. My daughter is on record with them asking when they sent the notice to their customers and they said they didnt have to notify them and they also told her to check with our state! She told them they were out of state and federal compliance and absolutely had to notify their customers of any additional fees for payment processing practices.
Consumer complaint received 2020-03-01
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. (FL)

Last 4 SSN:XXXX My identity was stolen in early 2018 and multiple credit cards we taken out in my name. They were charged off and sent to collections. 
I have disputed these many times but the credit bureaus and the companies will not help me. Customer service for the companies and the bureaus would not help and remove and take care of the fraudulent accounts and inquiries reporting to my credit report. These are only a few of them I am requesting removed, along with there inquiries. 

XXXX XXXX  Account number XXXX Date opened XX/XX/2018 Balance {$460.00} Credit limit {$350.00} Account type Charge Off Revolving Yes Open No XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$0.00} Credit limit {$300.00} Account type Charge Off Revolving Yes Open No Authorized user No XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
Account number XXXX Date opened XX/XX/2018 Balance {$870.00} Credit limit {$0.00} Account type Collection Revolving No Open No Authorized user No
Consumer complaint received 2023-02-04
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. (CA)

To Whom It May Concern, YOU BROKE THE LAW!! 


Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, XXXX, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; It has come to my attention that your company has violated multiple provisions of Title 15 USC 1681 of the Fair Credit Reporting Act. The accuracy and fairness of consumer reports is imperative to the functioning of the banking system, and the actions of your company have put this principle in jeopardy.

Pursuant to Title 15 USC 1681 ( a ) ( 1 ), I was never notified of the furnishing of inaccurate information to my consumer report, which has caused my report to be unfair and undermined my confidence in your company 's procedures.

Moreover, Title 15 USC 1681 ( a ) ( 2 ) establishes that your company 's actions have caused harm to my reputation and creditworthiness, and Title 15 USC 1681 ( a ) ( 3 ) states that your company assumed a role for which it was not authorized by me or a competent court of jurisdiction. Furthermore, Title 15 USC 1681 ( a ) ( 4 ) establishes that your company failed to ensure the accuracy of the information and to exercise its obligation with fairness and impartiality, resulting in a breach of my privacy rights.

Additionally, Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) clarifies that transactions between the consumer and the person making the report should not be included in the consumer report, and Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) states that the consumer should be given the opportunity to deny the information being reported.

Furthermore, Title 15 USC 1681a ( B ) excludes the authorization of specific extensions of credit, such as credit cards, from being included in the consumer report. Finally, Title 15 USC 1681a ( e ) outlines the requirement for a thorough investigation when producing an investigative consumer report, and the Fair Credit Reporting Act regulates the production of consumer reports to ensure the accuracy and reliability of the information included.

In light of these violations, I request that this inaccurate information be removed from my consumer report immediately, and that your company cease reporting my information in its database. I also request a copy of my investigative consumer report, as required by the Fair Credit Reporting Act. Any failure to uphold the law will result in a defamation lawsuit. Let me remind you that company policy does not supersede federal law. 

Thank you for your prompt attention to this matter.