davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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. (PA)

Listed below are Bankruptcy 's regarding inaccurate and unknown things on my credit report. To this day I have not received any proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX XXXX I'm attaching a pic of them mailing info to XXXX XXXX. I have never been a XXXX and never will be Proving they have the wrong person! XXXX has already removed these wrongful listings. I have called XXXX XXXX Experian who said I need to talk to the Bankruptcy Courts which i mailed them asking why they are telling Bureaus I have an account with them. They said they have no record of me and besides that they do NOT report to the Bureaus. Attached will be a letter from the Deputy Clerk saying such. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days gives reason to remove these items from my credit report. I know they have not investigated this because the BCourts do NOT report to them. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all XXXX Bureau 's data breach and may have gotten into the hands of the wrong person. XXXX removed after I showed them the BCourt letter. 
I have sent a Validation certified letter to the Bureaus. All i got was a letter from XXXX addressed to XXXX XXXX ( is NOT me ) & nothing from Experian. Per the FCRA they are to present the Validation proof they received and have not provided anything, given that these are not mine I understand. This is why I know the Bureau 's have not validated anything because the BCourts could not validate anything to me! Also attaching Certified Receipts showing I have tried to resolve this and was ignored. I also understand these Bureaus make money by reporting these false claims to stay in business. 
Chapter XXXX Bankruptcy XXXX  Court : XXXX XXXX  XXXX... This is NOT a real Court No address included XXXX shown in attached Credit Report Chapter XXXX Bankruptcy XXXX Court : XXXXXXXX XXXX XXXX... This is NOT a real Court No address included XXXX shown in attached Credit Report PLUS ALL Bankruptcy 's listed show DISMISSED or DISCHARGED. Guess Bureaus missed that in their false reporting. So if they are DISMISSED or DISCHARGED how can they even be reported?? 
Dismissed Law : to put out of judicial consideration : refuse to hear or hear further in court dismiss all charges This case is dismissed.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc. (MS)

On XX/XX/XXXX I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in XX/XX/XXXX, the XXXX system obviously provided validation, and XXXX and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX that claims that Nicolas Financial is the culprit.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I filed a claim in XX/XX/XXXX that has been denied numerous times & they will not provide me the paperwork as to why it keeps being denied as of XX/XX/XXXX it was reopened for a reconsideration & they informed me it could take up to 45 business days to come to a decisionI was advised the 45th business day fell on the weekend which was XXXX so to call on that Monday which I did still no decision now today XXXX im on phone with them still no decision still no information as far as my claim I do not understand how this company is able to do this I filed 3 complaints with cfpb prior to this pertaining to this same claim that still have not been answered by this bank how is this possible?
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (FL)

I'm listing agent on a property and the Buyers contacting me directly stating that they don't a REALTOR. I showed them the house and i wrote a Offer on it, the buyer were revising the Contract when the Mortgage Broker Offer them a KICKBACK OF {$2000.00} in orderto use their preferredRealtorand this is illegal lender information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief. 

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card.

To assist you in identifying the fraudulent information that needs to be blocked from my credit report, I have provided below the details of the accounts and inquiries that were not authorized by me : Enclosed with this letter are copies of the following documents, which support my claim of identity theft : XXXX. XXXX XXXX a. Account Number - No Account Number -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$20000.00} XXXX. XXXX a. Account Number - -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$3000.00} A copy of my identity theft report or a police report indicating that I have been a victim of identity theft. 

Proof of my identity, which includes a copy of my government-issued ID and a utility bill showing my current address. 

A list of the fraudulent accounts and inquiries ( listed on the other Letter ), as mentioned above.

Under Section 605B of the FCRA, I request that you remove and block the aforementioned fraudulent information from my credit report within four business days of receiving this documentation, as mandated by the Act. Furthermore, please cease reporting the blocked information to any other credit reporting agencies. 

I also request a written confirmation from your agency once the fraudulent information has been removed and blocked from my credit report. This confirmation will help ensure that the integrity of my credit information is restored and maintained. 

Thank you for your prompt attention to this serious matter. I trust that your agency will take the necessary actions as required by law to assist me in resolving the issues caused by identity theft. 

Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email ]. 

Sincerely,
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
3. Identity Theft XXXX Account Number : XXXX Delete this account. 
4. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
5. Identity Theft XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX  Account Number : XXXX Delete this account. 
9. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX Delete this account. 
10. Identity Theft XXXX Account Number : XXXX Delete this account. 
11. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 18. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 20. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX 21. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-03-15
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. (NV)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2022-03-15
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)

They refuse to delete collection accounts which do not belong to me from my report!! Ive been a victim of identity theft and reported it several times and yet they still leave errors on my credit report which is affecting my credit score. The collection accounts do not belong to me and they are refusing to handle my disputes accordingly.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

XXXX has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (UT)

I opened an citi account since day 1 i started having problems. I wired transfered all my money to my other account and closed my account. I asked the representative if my wire transfer will be affected from closure they said no so i went thru closing. Out of 2 wire transfer one didnt go thru. I called at least 6 times and customer service either putting me on hold or giving me another number to call. My 13 k is lost and now my account is closed. Ill call again in the morning but i know nothing will be resolved. I regret to even come close to citi bank. I want my money
Consumer complaint received 2022-03-15
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. (GA)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Consumer complaint received 2022-10-10
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. (GA)

XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OK)

I purchased items at XXXX  on XX/XX/22. I pulled out my Banana Rebublic Synchrony Bank credit card to use because it is part of the same group. I was informed by the cashier that she could " switch '' my Banana Republic card to an XXXX  card in order to recieve 20 % off of my purchase. The cashier never informed me that I would be opening a new credit card. My understanding was that my Banana Republic account was switched to an XXXX account. However, Synchrony Bank informed me that switches are not possible. 

Due to these actions, my credit score was affected, and Synchrony Bank informed me that it will be affected again if I close an account. 

Thank you for assistance in helping me resolve this situation.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (GA)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-03-15
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. (GA)

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

I spoke to a rep at GM Financial that was supposed to clear this up. I have been a customer for years, there was a banking error that I was unaware of. I have never been late on any of my leases and something happened with the payment not going through. It has since been paid and to my knowledge was not even late. Please review this as i have not been able to get back on the line with anyone at GM Financial to fight this again.
Consumer complaint received 2022-12-04
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: Conn's, Inc. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-15
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. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.