davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (TN)

Dear CFPB, This is no longer a goodwill attempt. XXXX XXXX account # XXXX keep on violating my consumer rights by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes. Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.

They have failed multiple times to validate this debt so by law they must remove this account now.
Consumer complaint received 2021-06-02
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: Verisk Analytics Inc (MO)

I submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and LCI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and LCI had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and LCI had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under XXXX XXXX 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and LCI. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.
Consumer complaint received 2023-02-01
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX  days
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (IL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX  and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

ATTN : XXXX XXXX, XXXX AMERICAN EXPRESS I have attached all forms of identification, this is and will be utilized to authenticate my identity in any sub sequential correspondences. 

I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact.

Notice it is a fact, affiant is aware, according to 15 U.S. Code 1666d, if the creditor has a total balance due on the account, rebates of unearned finance charges or insurance premiums, amounts otherwise owed to or held for the benefit of an obligor, the creditor AMERICAN EXPRESS must return any and all amounts of the credit balance upon the request of I, the consumer. I demand to receive all credit refunded to me in the form of zero balance at the end of each billing cycle.

Notice it is a fact, affiant is aware of the false character of the amount of any debt is a violation of 15 U.S.Code 1692e ( 2 ) ( A ). How can AMERICAN EXPRESS allege I the affiant owes a debt but the debt is shown in the positive balance. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it was owed to me.

Notice it is a fact, affiant is aware, according to 1602j, the plastic card device issued from the creditor AMERICAN EXPRESS gives way to I, the affiants open-ended consumer credit plan which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time.

Notice it is a fact, affiant is aware, a creditor may not report or treat any payment under a open ended consumer credit plan meaning my plastic credit card issued by AMERICAN EXPRESS pursuant to 15 USC 1666b unless creditor has followed section 1637 ( b ) and dealt with all billing errors.

Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor.

Notice, it is a fact, affiant is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ).
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX - ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Has violated my rights. 


5 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had a written agreement with Capital One. For a lump sum payment. For 53 % of total. To have this account paid and removed from all credit reports. I went through XXXX. To get this settlement. I sign and agreement. I paid the 53 %. We agreed on. Now Capital one is reporting. I owe {$330.00} on this account. Capital One is in breach of this agreed contract.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have sent XXXX cards a validation letter disputing the debt on XXXX. Pursuant to the FDCPA. XXXX cards failed to provide me any evidence within XXXX  days that they have a right to collect on this debt. Therefore by law the account is errant and must be zeroed and removed from my credit report. XXXX closed the account but failed to zero it and also reported negatively on my credit report. I also sent another round of letters to their headquarters in New York. Still no validation response from them. Also sent letters to all three reporting agencies along with all correspondence i sent XXXX cards saying that the creditor has not validated the debt, the account is errant and needs to be removed by law. The reporting agencies failed to remove the account and follow the law as well. Equifax removed the account at first from my report but then put it back on after the validation time was over. I believe that is also a violation of the law to remove an account and then put it back on.
Consumer complaint received 2022-04-25
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. (MS)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX, Account # XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 listed late payment
Consumer complaint received 2022-04-25
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. (IL)

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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXccount Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

We refinanced last fall with XXXX, and our mortgage was being serviced by XXXX XXXX XXXX. We then learned that our mortgage was being transferred to Mr. Cooper. It took a very long time - nearly two months from when we received notification that our loan was being transferred - before we were able to access our information on the Mr Cooper site. ( We got the transfer letter XX/XX/XXXX, and it was XX/XX/XXXX before I was able to set up my account with Mr Cooper and make payments. It's possible that I could have set the account up a few days before then - I was trying at least once/week, but wasn't trying every day. ) During the long period when we weren't able to access any information about our loan on the new servicer 's web site, I had extended conversations on the phone with representatives from both XXXX XXXX XXXX and Mr Cooper in which I was assured that everything was fine, not to worry, there's a 60 day grace period in which there aren't any late payment fees or negative credit effects or anything in order to allow time for everything to transfer over. 

After setting up our Mr Cooper account and making payments, and it seeming as if everything had finally been resolved, we received a letter dated XX/XX/XXXX stating that our loan was in default. I was pretty sure this was some kind of clerical error, and talking to representatives from Mr Cooper on the phone today it sounds as if that's correct, but still - it's absolutely terrifying to get a letter saying that we're in default on our mortgage, after getting repeated assurances that everything is fine and we have a 60 day grace period and it's all going to go smoothly and not to worry. 

So I want to ( a ) make sure that it's really true that there aren't going to be any negative effects - that the only mistake was sending out the letter to us, and that there weren't also negative reports erroneously sent out to credit agencies, ( b ) ensure that if there were any additional erroneous reports, they're corrected, and ( c ) register a complaint about the sending of such a terrifying document when our loan was not in fact in default. Even if it turns out that there aren't any tangible negative financial consequences for us, it's still not ok to send out letters that are going to scare the daylights out of people when in fact all that's happening is that the mortgage servicers are taking a long time to sort out the exchange of information ( or whatever it is that makes it take so long for the transfer to complete ). I've also now lost much of a work day on the phone trying to sort this out and make sure that we actually aren't facing a total, life-altering financial catastrophe. So another motivation for filing this complaint is to provide some impetus for Mr Cooper to change their practices around sending these " you're in default '' letters in order to prevent other people from having to go through this sort of terrifying experience.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Eight months ago I applied for a dental credit card. I was denied by Transunion Credit report on me. I tried calling as the letter from the credit card company said information obtained in a report was why denied. they ( TransUnion ) were unable to supply specific resons why I was denied. I tried calling multiple times and could never get a person, only a credit report. That took about XXXX weeks. I got the report dated XX/XX/2022. I could see no problem so let it go. 
I do not have my notes any longer to give times or dates. BUT same thing repeated itself today : I got a letter from my credit card that I've had for over 5 years. It states it's lowering my credit line. Now I have paid my card off every month, no late fees. Reason is in a letter saying it was based in whole or in part on information obtained in a report from XXXX. XXXX was unable to supply specific reasons why, like Transunion. I attempted to call 3 times and you can not get to a real person. Its the same recording that Transunion has, I must choose to get a credit report or report fraud. If you say operator it says must hang up. I can not get to a person to find out what is wrong. I need help in getting to the bottom of this. Thank you.
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

This is the second complaint I am filing about this matter. Please see the attached sanction on XXXX XXXX XXXX. I have also attached the letter sent by CHASE BANK, which brought me to filing yet another complaint. 

I do not know why Chase continues to give XXXX XXXX XXXX money from my account, when I told them on several occasions that these people stole {$1800.00} from me. They then had the nerve to refund me only {$330.00}. 

I have filed every complaint known to man in XXXX on XXXX XXXX XXXX : The FTC, The FBI 's XXXX, XXXX, and even the state 's bar of these alleged attorneys. 

I am tired of having to deal with reversal of charges because these people are contacting Chase lying. They were not given authorization to debut my account.
Consumer complaint received 2021-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Unauthorized transactions have been made on my account since XX/XX/XXXX, while I am not in the US and couldn't have used this card. The transactions go on until XX/XX/XXXX, as a credit run low notification was sent to my email address. The transactions include XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX, totalling up to an amount of {$3600.00}. 

Once I discovered the fraud, I called Bank of America to file a fraud claim. While it was rejected at XX/XX/XXXX because of insufficient information, I discovered during a second phone exchange that a fraud alert was sent to a phone number, being the reason that they rejected the claim. However, the phone number they registered on file is not my own -- when opening the account, they misspelt my name and took down the wrong phone number. My number is XXXX XXXX, however, they directly took the 1 as the US country code and sent the information to ( XXXX ) XXXX. Having made the discovery on how the information leaked, I called the bank twice but didn't get a satisfactory answer. 

I believe that it is wholly the bank 's responsibility as they took down the wrong information in the first place and caused the fraud, so I ask for my claim to be paid.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent the original Identity Dispute letter to Experian and it was dated XX/XX/XXXX. It was received at Experian on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX and it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Over the past two years I've been erroneously hassled and harassed by the company Portfolio Recovery Associates LLC, in what appears to be improper and illegal collection policies. I've requested on numerous accounts that validation be provided in said debts that are owed, with no prevail. This company is inaccurately reporting information on my credit profile, and has failed to provide payment for my submitted invoice due to consumer violations.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.