davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (PA)

Subject : Dispute of Inaccurate Information on Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concern regarding the completeness and accuracy of the information contained in my credit report, as mandated by 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2023, I acquired a copy of my credit report from XXXX, XXXX and TransUnion. Upon reviewing the report, I noticed several discrepancies and inaccuracies that require immediate attention. In accordance with my rights under 15 USC 1681i ( 5 ), I have already requested the credit reporting agency to conduct a thorough reinvestigation into these matters. 
I have taken the following steps to address the inaccuracies on my credit report : Obtained my credit report : I acquired a copy of my credit report from XXXX, XXXX, and TransUnion. 
Reviewed the report : I carefully examined the credit report, thoroughly analyzing each section and account details. 
Identified discrepancies : I discovered several instances of inaccurate and incomplete information in my credit report. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report, provide specific details of the errors you found, such as incorrect account balances, and outdated personal information. 
Disputed the information : I promptly submitted a written dispute to XXXX, XXXX and TransUnion on XX/XX/2023. In my dispute, I clearly outlined the inaccuracies and attached all relevant supporting documentation to substantiate my claims. 
I kindly request your assistance in ensuring that the credit reporting agency complies with the provisions outlined in the FCRA. Specifically, I would appreciate your oversight to ensure that the credit reporting agency conducts a reasonable reinvestigation within the 30-day timeframe, as required by 15 USC 1681i ( 5 ). Furthermore, I would like to request that you monitor the resolution of this dispute to ensure its accuracy and fairness. 
Enclosed with this letter, please find copies of my credit report, the dispute letter I sent to the credit reporting agency, and all supporting documentation related to the inaccuracies identified. These documents will provide you with a comprehensive overview of the situation and assist in your investigation. 
I genuinely believe in the importance of accurate credit reporting, and I am committed to resolving these discrepancies. I appreciate your attention to this matter and look forward to your assistance in rectifying the inaccuracies on my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

I am writing to formally dispute the validity of a collection account appearing on my credit report. According to my records, the account in question, referenced under [ XXXX ] - XXXX XXXX XXXX, does not belong to me, and I request its immediate removal in accordance with consumer protection laws. Upon reviewing the details of the alleged debt, I am confident that this account is erroneous. I would like to draw your attention to the fact that the last four digits of my social security number and my age do not match the information associated with the aforementioned account. Per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. 

As such, I urge you to conduct a thorough investigation into this matter and promptly remove the disputed collection account from my credit file. Furthermore, I kindly request that you provide me with written documentation verifying the legitimacy of this debt, including any contracts or agreements bearing my signature. 

Failure to provide such evidence will further substantiate my claim that this account is invalid. Please be advised that the inclusion of inaccurate information on my credit report is not only damaging to my financial reputation but also constitutes a violation of my rights under federal consumer protection laws. Therefore, I expect your full cooperation in resolving this matter swiftly and ensuring that my credit report reflects only accurate and verifiable information. 



XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MD)

Planet Home Lending is harassing me with bogus fees and costs. I called Planet out for overcharging me {$870.00} in fees/costs that it got paid for by HAF. It took me 2 letters to Planet demanding an itemization and reconciliation of fees/costs. Planet was finally forced to acknowledge that I was right and they were wrong and they had to send the funds back to HAF. Planet is now retaliating against me. 

Planet claims in its XX/XX/2023, letter a {$100.00} fee for " Lawncut ''. Planet claims my neighbors were complaining about the lawn. That statement is a lie and Planet refused to provide me with any such proof. I have a neighbor move the lawn every 10-14 days and he states no one else has ever mowed the lawn. 

Planet states in its XX/XX/2023, statement that it is charging me {$770.00} in pending advances. I called Planet and no one knows what that is for but I'm being charged. I'm also being charged {$150.00} auctioneer fee when I was under Maryland legal protection from a foreclosure. Planet is doing what it can to steal money from me.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I received a phone call from XXXX XXXX XXXX XXXX in XXXX stated that I owed a medical debt. I requested the company send me an itemized stated as I wasnt sure what the bill was and never received a bill. I never received any documentation from this company. On XX/XX/XXXX XXXX XXXX XXXX XXXX added a negative tradeline to my credit report stated they were collecting for a medical debt from XXXX XXXX XXXX from XX/XX/XXXX. This information is completely inaccurate and shouldnt be reported due to the companies failure to send any documentation. XXXX XXXX XXXX XXXX is also attempting to make this accused debt affect my credit more by falsifying dates as I havent been a patient at XXXX XXXX XXXX since XX/XX/XXXX. I disputed the collection with Experian and within 12 hours experian stated the collection agency had confirmed the account. There is no way an actual investigation occurred in less than 12 hours.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

A few weeks ago, the Chase closed my account with no notification. I went to a branch immediately and see what happened and what next. They told me that a cashier check will be sent to me later and asked me to wait. Then, I keeps waiting for my check for more than XXXX weeks. I found that nothing coming so I decide to call them this morning, they told me the check is hold and still been reviewing. I just need my check back.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023 I contacted Chase Bank re : my Chase Slate card. I advised Chase that I was going to do a balance transfer, then close the account. I was given the payoff balance. I had NO pending charges. On XX/XX/2023, a balance of {$3600.00} was transferred From my Chase Slate card, to the XXXX credit card. I then went online to confirm that the card was closed. XXXX of this year, I began receiving phone calls from Chase Bank re : a charge. I advised the phone representative that I have not had a Chase credit card since I closed it in XX/XX/2023. The representative did some checking, APOLOGIZED and said that she will make sure it's closed and that there should have been No ongoing charges since XX/XX/2023. XX/XX/2023, Chase reported my account 185 days past due, with a card closure date of XX/XX/2023. My credit score has tanked.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per XXXX XXXX XXXX As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I may have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions.

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (NV)

Upon reviewing my updated credit report, I observed seventeen ( 17 ) credit inquiries presented by your agency that I deem problematic. I have reached out to the corresponding companies to request the removal of these inquiries from their records and the deletion of any associated information with all credit reporting agencies. These companies assured me of their compliance and commitment to take the necessary actions to address the issue. Additionally, I had previously communicated with your agency to ensure the resolution of these matters. However, it appears that the requested removals have not been executed. I kindly request the immediate removal of the specified inquiries listed below : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I request these inquiries be removed promptly, as I plan to apply for a home mortgage shortly and aim to ensure my credit score accurately reflects my creditworthiness. I anticipate a comprehensive update on your removal procedures within a 30-day period and look forward to the swift rectification of this issue.
Consumer complaint received 2021-12-22
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I have noticed a hard inquiry on my XXXX  consumer report with the following information : XXXX XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank XXXX XXXX XXXX info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681.
Consumer complaint received 2024-02-28
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-12
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)

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 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 2023-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Securus J Holdings, LLC (MI)

Here 's what happened I was in XXXX I purchased a JPay tablet with a whole bunch of content extra was released from XXXX was instructed to send tablet back to JPay to have them unlock it so it can be used as a regular tablet I did so send it through XXXX this was in XXXX of XXXX  it is now XXXX of XXXX I've tried to contact JPay multiple times via email and their phone number with no luck you guys are my last option I see that there was class action lawsuits or lawsuits against JPay for unpair practices which led me to this so if you have any information that could help me or let me know when I can do or what my rights are please contact me thank you
Consumer complaint received 2021-12-22
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. (FL)

I DISPUTE THIS ITEMS OFF MY CREDIT REPORT. THIS ITEM WAS OFF MY CREDIT REPORT NOW ITS BACK ON MY CREDIT REPORT NOW ITS DAMAGING MY LOANS AND CREDIT IAM GETTING STRESSFUL. THIS WAS NOT ON MY CREDIT. PLEASE BLOCK THIS ACCOUNT AND KEEP IT FROM COMING BACK ON MY CREDIT THIS IS THE THIRD TIME THIS HAPPEN. EXPERIAN NEED REMOVE OR THIS ACCOUNT
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DC)

I made a XXXX transfer XXXX $ at XX/XX/XXXX and XX/XX/450 $ by debit card, they say I can make a chargeback before 60 days, but I request it, they denied
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) and Equifax ( XXXX XXXX XXXX XXXX, XXXX XXXX ) continue to report inaccuracies, errors, erroneous, deceptive, misleading, false, and unfair practices on my Consumer Report with XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX & XXXX ). This account has numerous violations that I stated in the letters. For example, one violation is reporting payment history. Since the charge off date of XX/XX/2020, XXXX XXXX and XXXX XXXX is reporting on Equifax and XXXX a charge off every month and it continues to updating the payment history on the accounts. Charge Off accounts should not be reporting active payment history past the charge off date. This is falsely and illegally manipulating the date of last activity of this debt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have asked these companies for debt validation multiple times and have not been given this information. I need these accounts removed from my credit report as they are stopping me from being able to find housing. If a FTC report needs filed for privacy violations in order to get them removed I can do that as well! All I ask is that this information be provided from these companies within the next 10 days or remove the accounts from all of my reports that they are currently reporting to. Thank you! 

Furnisher, Account Number and Date Opened Below. 

XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Information requested ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( c ) Validation information. 
( XXXX ) Debt collector communication disclosure. The statement required by 1006.18 ( e ) ( 2 ) Information about the debt.

( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumers name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 
( ix ) The current amount of the debt.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.