davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TN)

Reviewing my credit report on XX/XX/year> I begin to notice that there is an inaccurate collection account that is currently being report. I have reached out to the creditor and the credit bureau requesting an investigation. I only received that this account has been verified. However, I requested the information on how did they verified this account and did they send you guys an sign contract regarding this account and who did they speak with, how did they verify the accounts because past due bill statements is not accurate. I yet have not received any accurate verification regarding these accounts. I requested all this information on XX/XX/year> yet have not received any documentation of this required information. As of XX/XX/year> these accounts are still being reported on my credit report as of today. I still do no believe that this accounts belong to me nor do I believe that the creditor have the correct authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect my credit report. I am requesting that you will get the XXXX credit bureaus XXXX, XXXX or XXXX to delete these accounts until they can provide the accurate documentation that I have requested that shows that this account is mines. I need the contract, signature, and the Id that should have been requested and provide. This is in violation of Section 605 B in my FCRA law and my consumer rights.
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (CA)

I just reviewed my XXXX credit file and found out that there is a collection account on my credit file. The name of the collection agency is DNF ASSOCIATES .Account was opened on XX/XX/2020. The dollar amount is {$2000.00}. I believe this Collection is a result of identity theft. I am including the police report with the city of XXXX that I filed that my account at XXXX XXXX XXXX was compromised my mail was compromised in my social security card was Stolen.This collection company has never reached out to me By law I have 30 days to respond back to any correspondent that send to my address. 
I would like DNF Associates to reach out to me regarding this collection. I have opened a dispute with TransUnion. DNF Associates is in violation of fair debt collection Act I have never signed any contract with dnf Associates. I have never done any business with them and I never received anything from them.
Consumer complaint received 2021-05-26
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. (NC)

I sent a letter to XXXX, Experian and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I cashed a state check in Chase Bank and they told me that the check was fake so I went in showed them the check was valid with my With the paperwork that came with it and my state refund it's refund now they told me that they were gon na close my account that the check never cleared the check cleared 8 days they had it cleared in my account and they still closed it the check never bounced I called XXXX XXXX told them to give me my money they have no explanation of why they kept my money and they're not sending my money or why they closed my account They close my account XX/XX/2021 the state confirmed the check cleared into my account this has messed up my credit and stopped all my direct deposits and causing my kids and I alot of burdens the check amount was {$1400.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

All 3 credit reporting companies are give my information to all the get out debt companies for which they don't really want to help i have talked to 2 of them and all they want me to do is put money in a trust account and then they will call the creditors and make a settlement for which will take about 90 days. So that meant to me was i probably be sued by the ones not being paid during this time I'am supposing saving to money to a settlement with a company. I have a lot of debt right now and trying to make arrangements with my creditors. I get anywhere from 3 to 8 offers daily about consaladateing my debt with a loan but that is not the case they don't loan money with a lower payment they are just legal loan sharks.
Consumer complaint received 2023-01-30
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2024-09-19
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. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX I filed a complaint with cfpb against Capital One Credit Card company complaint # XXXX. In XXXX XXXX response they misrepresented facts of the case to cfpb. This is the same thing they have been doing to me since XX/XX/XXXX. 

XXXX. The information they sent to cfpb was not complete. I have copies of letters they did not include about this case. 

XXXX. XXXX  sent merchandise to me on XX/XX/XXXX and I returned the merchandise to them by XXXX. XXXX  received the merchandise back on XX/XX/XXXX. Within XXXX  days of my receiving the merchandise. This met XXXX  Online Return Policy but because Capital One had a CHARGEBACK on XXXX  could not refund the money to me. 

XXXX. Capital could not identify what kind of case this was. Was it fraud or dispute? None of the employees or their managers knew what to do. No one at Capital One knew what to do. They did not identify it as a Dispute case until XX/XX/XXXX. They sent me an email about this purchase XX/XX/XXXX it is now more than XXXX  months later and they have requested no information from me. 

XXXX. Finaly on XX/XX/XXXX Capital One sent us a form to complete and ask for additional information. Capital One did not like the way we completed the form. I found this out on XX/XX/XXXX. The letter said the form Lacks all of the previously requested information to validate my dispute. No one identified what the information needed was or gave us any help by phone or in writing. 

XXXX. In the letter with my name that they sent to you ( they did not send a copy to me ) they said that in the future please let us know within XXXX  days of receiving the statement that shows the dispute charge. WHAT DOES THIS MEAN, HOW MANY TIMES HAVE THEY CHARGED AND CREDITED MY ACCOUT BY NOW XXXX  MONTHS LATTER! 

XXXX. I contend that Capital One mislead me and they misled cfpb regarding this complaint. I feel like I have been running around in circles. I have never had a person at Capital One I could identify by name that would work with me to resolve this issue. Capital One wants to make everything they communicate so generic so they will not be responsible.
Consumer complaint received 2022-01-13
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. (TX)

XXXX used predatory lending practices and was in litigation with the XXXX XXXX XXXX XXXX XXXX . These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for XXXXyrs and XXXX months that should not be there!
Consumer complaint received 2022-07-09
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. (PA)

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 a account without my written instructions.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-10
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. (GA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (CA)

Experian is in XXXX  violations with credit reporting on my account. On XX/XX/2022 I filed an initial dispute on accounts XXXX XXXX  Bank Acct # XXXX, Open XXXX XXXX # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX, and XXXX XXXX XXXX  Acct # XXXX. They only disputed XXXX XXXX XXXX and were in violation of 15 USC 1681i which states, Experian shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I provided them with evidence and theyve yet failed to properly conduct and provide evidence of such steps taken and still have account not updated with 100 % accuracy on status updates. Ive filed a complaint with the XXXX XXXX XXXX XXXX and am process of work with my lawyer to takes actions against Experian for violations. Evidence provided below
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX, and the last XXXX digits of my Social Security number are XXXX. I have already contacted the credit bureau to inform them that some of the accounts listed are not mine and that others are inaccurately reported. I provided my correct home address, which is XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and requested that they update their records accordingly. 
Additionally, they continue to report a XXXX  XXXX bankruptcy that I have asked to be removed. I also requested a letter of verification to confirm that these debts belong to me and that the reporting is accurate, but I have not yet received a response. 

In according with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Names are below : Remove the following address please they are not mine : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please remove the following accounts : Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove this is not my account : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove this account its reporting 30, 90 day late payment not my account : Account XXXX Remove this account its reporting 30, 90 day late payment not my account : XXXX Remove this account. No other credit bureau is reporting this, this is not mine. Account XXXX This is not my account please remove account : XXXX I looked at my credit report on XX/XX/year> and noticed something s are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( E ) ( B ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) general if after any reinvestigation under paragraph one of any information disputed.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX : XXXX Account Name : XXXX. XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-11-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

I requested a payoff through my mortgage company ( XXXX XXXX ) AKA ( Loan Care ) I sent a payment XX/XX/2021 to pay off my mortgage. New red records indicate the funds were received on XX/XX/2021. As of XX/XX/2021 the funds are still being held in a suspense account and not yet applied to my principle.
Consumer complaint received 2023-10-18
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. (MI)

I'm demanding Equifax shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Equifax my written permissible purpose to furnish these accounts therefor Equifax is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : 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, DEPT of ED/XXXX  ( XXXX ), XXXX of ED/XXXX  ( XXXX ), XXXX XXXX XXXX XXXX )