davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (AL)

Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health. I am writing to seek assistance and guidance regarding a matter related to the timing of payments on my credit accounts. Under the provisions of 15 U.S. Code 1666b, I believe I may have experienced issues that warrant your attention and intervention.

I hold various credit accounts with different financial institutions, and I have noticed that there have been instances where my payments were credited as late, even though I made the payments well before the due date, in accordance with the terms and conditions of the respective credit agreements. These late payment notations on my credit reports are adversely affecting my credit score and financial standing, which is of great concern to me.

As per 15 U.S. Code 1666b, creditors are required to credit payments as of the date of receipt. I have documentary evidence, such as payment receipts and bank statements, demonstrating that I made timely payments. Despite this, I have faced difficulties in getting the late payment notations corrected on my credit reports. These inaccuracies have had a significant impact on my ability to obtain credit and favorable terms for financial products. 

I kindly request your assistance in investigating and rectifying this matter. Specifically, I am seeking : A review of the credit reporting practices of the institutions involved to ensure compliance with 15 U.S. Code 1666b.

Corrective actions to remove any incorrect late payment notations from my credit reports.

Guidance on how to prevent future occurrences of incorrect late payment notations on my credit reports.

I am attaching copies of the relevant documents, including payment receipts, bank statements, and credit reports, to support my case. I would be grateful for your prompt attention to this matter and any guidance or intervention you can provide.

I understand the importance of maintaining accurate credit information, and I believe that resolving this issue will help me regain my financial stability. I appreciate your help and support in addressing this matter in accordance with the provisions of 15 U.S. Code 1666b.

Please feel free to contact me at the above-mentioned phone number or email address if you require any additional information or clarification.

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The list of accounts below have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C 1681. The accounts listed below does not belong to me. I request that any sign contracts or disclosures be sent with my written consent. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hard inquiries do not acknowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate the accounts listed
Consumer complaint received 2023-07-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/2016 ) is wrong. Please remove this account. 
Thank you,
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX XXXX XXXX XXXX XXXX made a payment of {$34000.00} from its XXXX account to the account of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, opened in XXXXXXXX XXXX XXXX XXXX XXXX  XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX XXXX XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Consumer complaint received 2023-11-03
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX 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 2023-10-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was scammed by a company with the name foreign exchange company which was totaly looks real with bank accounts and all the documents that shows there was multiple trades and all my investments was going through the Bank of America to them to invest in foreign exchange funds but they scammed me and other counters with fake accounts fake apps and they had their own servers so everything was controlled by them we had no way of honing it was too late
Consumer complaint received 2023-11-03
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. (FL)

XXXXm submitting a complaint to inform credit bureaus I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any erroneous accounts. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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. (GA)

To : { XXXX, Equifax, XXXX, XXXX to include any other reporting agency! } Subject : Request for Removal of XXXX Loan Debt Information from Consumer Reports Under the Family Education Privacy Act of 1974 and Reporting of a ( DEBT that has already been DISCHARGED by the GOVERNMENT ) Dear Sir/Madam, I am writing to formally request the removal of my XXXX loan debt information from my consumer reports in accordance with the Family Education Privacy Act ( FERPA ) of 1974. I firmly believe that the presence of this information on my report may be in violation of the law, and I wish to outline the basis for my request as follows : 1. FERPA Protections : FERPA is a federal law designed to protect the privacy of XXXX XXXX records. As my XXXX loan debt information may fall under the purview of XXXX, its inclusion on my consumer reports could potentially infringe upon my privacy rights as a XXXX borrower. 
2. Disclosure Without Consent : FERPA generally requires educational institutions to obtain written consent from XXXX before disclosing their education records. If my XXXX loan debt information has been reported without proper consent or in violation of FERPA, I request that it be addressed and rectified accordingly. 
XXXX. Privacy Rights : In consideration of FERPAs core principles regarding the confidentiality and privacy of XXXX records, I kindly request that you investigate the reporting of my XXXX loan debt and take necessary actions to ensure that my rights under XXXX are upheld. 

I request that the Consumer Financial Protection Bureau review the reporting of my XXXX loan debt in light of FERPA and take appropriate measures to address any potential violations of the law. 

Enclosed with this letter, you will find supporting documentation and evidence that substantiate my claim. I am prepared to cooperate fully in any investigation or provide additional information if required. 

I appreciate your immediate attention to this matter and kindly request that you keep me informed of any steps taken in response to my request. Please do not hesitate to contact me if further information is needed. 

Thank you for your assistance in addressing this issue and ensuring compliance with the Family Education Privacy Act of 1974.
Consumer complaint received 2023-11-03
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. (TX)

I am writing to formally raise a complaint about my initial attempt to remove fraudulent items from my credit file. It is disheartening that I must address this issue, as the fraudulent items negatively impact my financial standing and creditworthiness. I am seeking your immediate assistance to rectify this matter. 
I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. My initial dispute was submitted with the required documentation, including evidence to support the fraudulent nature of these entries. However, despite my efforts, these fraudulent items remain on my credit report. 

I kindly request that you take the following actions to address this issue : Re-review my initial dispute and the evidence provided to remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the fraud items : XXXXXXXX XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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. (PA)

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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was signed up for for a safe guard program with my Citi credit card without my consent that charged me high fees that went unnoticed for many years. With my high balance the fees were very high. I estimated I was charged at least {$15000.00} over many years. Sadly, it went unnoticed. I have read I am not alone and I read that Citi has settled paying {$700.00} XXXX to XXXX XXXX accounts. I would like help to get back some of the money the Citi stole from me. Can you help? Thank you.
Consumer complaint received 2019-09-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PINNACLE RECOVERY, INC. (PA)

Pinnacle Recovery Inc responded on XX/XX/XXXX Complaint ID : XXXX concerning a debt/bill that belong to XXXX XXXX XXXX XXXX in which there has been no contact by XXXX XXXX XXXX XXXX since XX/XX/XXXX. Pinnacle claims I talk to them never talk to them on the phone and told them to cancel my account. Pinnacle has no proof I spoken to them in any manner regarding an account there not the primary owner of nor did I agree or sign anything pertaining to a contract with Pinnacle Recovery or made any agreement nor spoke to on a phone. My next issue I have not lived in XXXX XXXX Nevada since XX/XX/XXXX in which my mailing address was change and updated by the post office. My next issue is the address Pinnacle was mailing to me in XX/XX/XXXXis not my address nor have I had this address appears to be a strip   center. Only was contacted by a law firm in regards to this debt in which has been no contact by XXXX XXXX XXXX nor any mail sent by regular mail or certified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX in which I have also filed with the US in which is 2 years before office and various other documents I have that has issues that violates certain laws and been sent to the US Attorney office of there practice. As of this date being XX/XX/XXXX I dispute all and any debts by Pinnacle Recovery due to there has not been any contact by the original creditor nor Pinnacle Recovery Inc as there letter dated XX/XX/XXXX and I have not lived in XXXX XXXX NV since XX/XX/XXXX in which is over 2 years before this letter was mailed to address that does not belong to me. All debt on this account was in dispute back in XX/XX/XXXXin which there was errors and other issues with XXXX XXXX XXXX XXXX XX/XX/XXXX. I also have proof from my company I have a contract job in which I travel for contract work and I was not in XXXX XXXX.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion.com wont load my credit report, disputes, or anything else passed home screen after logging in. I can only view my score through XXXX XXXX. TransUnion is giving a lower score to potential lenders than the other two by XXXX points and I cant do anything about it. Called and spoke to their customer support several times over the last XXXX weeks and nothing has been rectified. They are sharing my information without consent at this point, and I cant dispute the information, nor see my report directly violating my consumer rights.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (KS)

US BANK OVERDREW MY ACCOUNT THREE SEPARATE TIMES BY ATTEMPTING TO PROCESS CREDIT CARD PAYMENTS FOR OVER A XXXX DOLLARS ( {$1000.00} ), MADE MY CHECKING ACCOUNT HAVE A NEGATIVE BALANCE FROM REVERSAL OF RETURNED PAYMENT FEES, CLOSED MY CHECKING ACCOUNT, REDUCED MY CREDIT CARD LIMIT FROM XXXX XXXX DOLLARS ( {$1500.00} ) TO XXXX XXXX DOLLAR XXXX ( {$500.00} ). 

SINCERELY. 

XXXX XXXX XXXX XXXX.- XXXX
Consumer complaint received 2023-11-03
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 reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-04
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. (CT)

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.