davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (TX)

Earlier this year, it came to my attention that there were a myriad of inaccuracies on my LexisNexis 'Comprehensive Loss Underwriting Exchange ' ( XXXX ) Report. This report is used by credit agencies and insurance companies to assess the risk level of their customers. Due to these inaccuracies, I was being assigned a higher risk category whenever I applied for credit, loans, or insurance. I have also noticed that my car insurance rate ( and rates being offered by other companies ) was inflating to an astronomical level, despite not having any history of at-fault accidents or traffic violations. 

On XX/XX/XXXX, I notified LexisNexis of my dispute in writing. I was very detailed in my written dispute. The dispute was sent by USPS Certified Mail on or about XX/XX/2021. The enclosed USPS Certified Mail Receipt shows that LexisNexis received it on XX/XX/2021 at their po box in XXXX, Georgia. 

Per the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency has thirty ( 30 ) calendar days to process a written dispute. LexisNexis may either 1. ) verify the record as 'Accurate ', or 2. ) remove the record if it can not be verified. 

Accordingly, a response was due from LexisNexis on XX/XX/2021. As of today ( XX/XX/2021 ) no response has been received. Therefore, LexisNexis has missed their statutory deadline, and is now legally obligated to make the requested changes.
Consumer complaint received 2023-03-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reinvestigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 accounts below : XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$630.00}
Consumer complaint received 2021-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (NJ)

I have only received the Chicago title binder XXXX I need a copy of the actual commitment to title that was filed with the County of XXXX and approved by XXXX XXXX XXXX XXXX  so they could issued my XXXX XXXX XXXX XXXX, N.J. XXXX mortgage. 
If the Chicago Title Insurance policy was recalled, cancelled, voided or otherwise discontinued please notify of the circumstances and date.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged. 
Somehow the negative account was placed back on my credit. On XXXX, I reached out to XXXX XXXX and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
Consumer complaint received 2021-09-20
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. (TX)

I XXXX XXXX XXXX XXXX have attempted to dispute this erroneous item on my credit report that does not belong to me. Credit Bureaus please choose your words wisely as I will be using this dialog to bring a law suit against you if my request is not granted as this has already caused damage to me and my business. I am requesting the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. 

Federal Ct XXXX If you can not provide proof please remove this account immediately as this is now my 3rd request over the last 90 days and you have now violated the law.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (IL)

On XXXX XXXX.2020 I clicked on a web link, said XXXX help. I called the phone number and the man portrayed to be with XXXX. Iwas trying to collect money on account and fix a email problem. He fraudulently talked me into downloading several apps like any desk and team viewer. He said he was helping fix the situation. He had control over my lap top and phone and and took out of my checking account using my debit card 4 transactions from PNC BANK. The amounts are XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 
Then he hung up the phone and i knew something was wrong. I called pnc phone number XXXX XXXX. I told them about what happened the man at pnc said the money was pending and it should be okay because the had not left the bank yet and should be back on my account monday. I told them not to let the money go because it was fraud. Pnc never gave my money the next day i called and they said the man I talked to saturday should not of said that. They said i had to file a dispute once the money has left and posted.I call back and dispute it after it posted and talked to a supervisor and said i want my money back and she said they have fraud protection and she was going expedite the situation and the money should be in my account in the morning or afternoon well that never happened and i was told again by a supervisor this time that she should not of told me that. They declined my dispute because i have used bitcoin app before i said this was fraud nothing to do with what i have used bitcoin before. They opened up the case again and declined another dispute. I feel this is very unfair i have banked there for years.
Consumer complaint received 2021-09-20
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. (PA)

Hi My name is XXXX XXXX with XXXX # XXXX. I am just writing to ask XXXX going on with your investigation, I wrote you the dispute letter over a month ago but I havent heard anything frm you. I hear you were required by the Government to respond to my request but I dont undestand why i feel like my letter was being ignored. i'm seeking all the help that I can to get these errors straightened out as soon as possible.
Consumer complaint received 2021-01-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MA)

I have paid of my car in XXXX. They told me my title was sent out on XX/XX/XXXX, but I never received it. Now they are telling me I should have received it on XX/XX/20, but I didnt. They also told me they can not send out another copy, and that I would have to request on from the XXXX and pay for a duplicate copy. As a customer I have the right to receive my title. I dont think its okay for the customers to pay for something that was not handled properly.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention a pressing issue regarding the prompt removal of charge-off accounts with incorrect balances from my credit report. As a conscientious consumer, I value accuracy and transparency in my financial records, and I am deeply concerned by the discrepancies that have surfaced. 

Upon reviewing my credit report, I discovered several charge-off accounts with balances that do not accurately reflect my financial history. Despite previous attempts to address these inaccuracies, they persist, causing undue stress and frustration. 

It is imperative that these erroneous charge-off accounts be swiftly removed from my credit report to prevent any further damage to my credit score and financial standing. I urge your team to prioritize this matter and take immediate action to rectify the situation. 

Furthermore, I request a thorough investigation into the root cause of these inaccuracies to prevent similar occurrences in the future. It is essential that your company 's systems and procedures are robust enough to ensure the integrity of consumers ' credit reports. 

I expect timely communication and updates regarding the progress of resolving this issue. Additionally, I seek compensation for any adverse effects these inaccuracies may have had on my credit score or financial opportunities. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX XXXX : {$360.00} XXXX. XXXX XXXX XXXX : {$220.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX : {$13000.00} XXXX. XXXX XXXX XXXX XXXX : {$740.00} XXXX. XXXX XXXX XXXX : {$370.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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.

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.
Consumer complaint received 2021-09-20
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. (NY)

I am complaining through the Bureau because XXXX XXXX has not reasonably determined that ( A ) the information was blocked in error or a block was requested by the consumer in error ; I did not write an FTC report in error whatsoever. I noticed fraud on my file and notified XXXX and other Consumer Reporting Agencies, promptly. I have attested to that fact in an affidavit under the penalty and perjury of the law. Can XXXX show me any error they have found, in writing. I request that. 

( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ; No misrepresentations, I submitted all pertinent fact relating to the fraud on on my consumer file and have taken appropriate means to block and remove them. 

( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please have a senior representative of any data furnisher that appears on my consumer file attest to the fact that I am in receipt of ANY goods, services or money. XXXX has determined that I may have but has submitted no proof of this ; I am requesting proof and if not provided proceed with my request to remove the fraudulent account from my consumer file ending in XXXX. 

On XX/XX/21 XXXX wrote a letter claiming that they will not process the block but have not given specific reason why not. This is harming my reputation and prohibiting me from extending credit as a consumer.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a Customer of XXXX XXXX XXXX, I have an Auto lease from them. 
my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. XXXX approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called XXXX to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. 
I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. 
I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. 
I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

Equifax is allowing several accounts to remain on my credit without deleting. 

XXXX  XXXX : No credit limit being shown on paid off credit card. This needs to be deleted XXXX XXXX : This account was paid & its showing the last active date was 2018 which means that Equifax never even investigated this issue. Delete from account
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

SUBJECT : Case # XXXX ... NO RESPONSE!!! ... Fw : XXXX, hmm, it's been a couple of months... 

OTHER THAN " AUTOMATED EMAILS '' ... I AM GETTING ABSOLUTELY NO RESPONSE FROM EXPERIAN ON THIS MATTER!!! 

NOW, THEY ARE THREATENING TO CLOSE MY ACCOUNT ... OVER THIS SAME MATTER!!! 


XXXX??????????? 


XXXX!! 

> : - (
Consumer complaint received 2021-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

In XXXX, 2021, a checking account was fraudulently opened with Wells Fargo Bank using my SS # and DOB. The second form of ID used on the application was a state driver 's license number which is not my license number. I have checked with my state 's Dept. of Transportation and the license number that was used does not exist in their files. 

Since this occurrence I have worked with Wells Fargo 's fraud management to close the account and have notified other appropriate authorities. But I do not understand how the account could be opened without a state issued ID that matched the other information provided to the bank. I have inquired with Wells Fargo about this and they refuse to answer this question. The inconsistency between the required forms of ID should have been a red flag. This leads me to believe there is not a thorough review of the all information that is submitted to Wells Fargo Bank during the online application process.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (AR)

Bluebird by American Express has a return from a hotel they are holding it for no good reason it's for {$150.00} it happened on XX/XX/XXXX from XXXX XXXX XXXX I just want money back.
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (MA)

i paid the XXXX  account off and it was suppose ti be deleted. its still showing on my 2 reports and i can not buy a house until it get fixed and mty wife is XXXX  months XXXX. i will attch the settlement letter for tur viewing.
Consumer complaint received 2024-01-30
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-09
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. (NY)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX