davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (NC)

To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : XXXX. XXXX. The original signed agreement or contract that legally binds me to this debt. 
A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges. 
XXXX. Copies of all account statements from the original creditor proving the balance you claim I owe. 
XXXX. A full accounting of all payments made, including dates, amounts, and how those payments were applied. 
XXXX. XXXX. XXXX. XXXX. The name and contact information of the original creditor. 
Proof that the debt is still within the statute of limitations. 
Proof that you are licensed to collect debt in my state. 
A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold. 
XXXX. The date of the original debt and when it became delinquent. 
XXXX. Proof that this debt has not been discharged in bankruptcy. 
XXXX. The original creditor 's explanation of why this debt is owed. 
XXXX. A copy of the last bill sent by the original creditor showing the exact amount. 
XXXX. Documentation verifying that I am the correct person responsible for this debt. 
XXXX. Proof that you or your company is legally authorized to collect this debt in my state. 
XXXX. A complete history of the debt from its origination to the present day, including any additional charges and adjustments. 
If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights. 
I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Consumer complaint received 2024-10-21
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. (CA)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax has violated my consumer rights and violated federal law. This is my first attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : Unknown # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (IL)

Last month I called Ally Financial to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Now there are two late payments on my credit.
Consumer complaint received 2024-09-04
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. (NC)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX # XXXX -Balance {$250.00} - Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

In XXXX XXXX XXXX I sent in to Experian and XXXX a certified letter ( s ) in regard to addresses listed on my credit report which are not mine. I have never lived at the addresses listed below and I have already expressed this to the credit bureau ( s ) in which they still have these ownerless addresses on my file. The addresses that are not mine and I have NEVER lived at are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under FCRA 15 U.S.C. 623 " A furnisher must NOT furnish inaccurate consumer information to CRA. Also, " when Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors. '' These incorrect and nonbelonging addresses need to be removed immediately by law and Consumer right.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GREENSTATE CREDIT UNION (IL)

I am submitting this complaint regarding the mishandling of a dispute I filed with GreenState Credit Union, which has caused significant frustration and financial strain. Below are the details of the situation : Dispute Summary : On XX/XX/year>, I made a payment to a merchant for doors and windows. The merchant, however, failed to deliver the product, and after several attempts to communicate with them, I was forced to file a dispute with GreenState Credit Union. Despite providing all the necessary documentation, including invoices and emails confirming non-delivery, GreenState Credit Union has delayed resolving my dispute. 

Violation of Federal and State Regulations : Under the Electronic Funds Transfer Act ( XXXX ), the bank is required to investigate and resolve disputes within XXXX business days. However, the bank did not contact me within this timeframe, and I had to reach out on XX/XX/XXXX, which marked XXXX business days from my initial submission, to inquire about the status of my dispute. Despite providing the necessary documentation upfront, I am now being asked for additional information that was never requested initially. This has caused further delays and stress. 

In addition to the failure to comply with XXXX requirements, the merchant has violated Illinois state law ( Consumer Fraud and Deceptive Business Practices Act, XXXX ILCS XXXX ) by failing to deliver the product within a reasonable time. I am entitled to a refund, yet GreenState Credit Union has not acted in a timely or appropriate manner to recover my funds. 

Unfair Treatment and Lack of Communication : I feel that I am being treated unfairly and subjected to unnecessary hurdles, which are making the process far more difficult than it should be. There has been a lack of transparency and communication throughout the process, and I am left with no choice but to seek outside assistance. 

Desired Outcome : I request that GreenState Credit Union promptly resolve this dispute by refunding my money in accordance with federal and state laws. Additionally, I ask that the CFPB investigate whether GreenState Credit Union has engaged in discriminatory practices by subjecting me to excessive scrutiny and delays, as it feels like a case of XXXX while banking. 

Thank you for your attention to this matter, and I look forward to your assistance in ensuring my rights as a consumer are upheld.
Consumer complaint received 2024-09-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: ALLY FINANCIAL INC. (IL)

A CD rolled over into a new a CD on XX/XX/XXXX, with a new opening balance of {$16000.00}. After renewing into another XXXX CD, my wife and I decided we wanted to have a shorter maturity of XXXX months instead. The interest accrued on the account since opening shows as {$50.00}. Ally wants to charge us {$110.00} to close the XXXX and open a XXXX CD instead. This is more than the interest earned on the account, and tantamount to theft.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (CA)

I would like to report what I believe to be a fraudulent attempt on the part of XXXX XXXX XXXX XXXX XXXX XXXX to withhold loan information until the closing of the XXXX XXXX Loan program which closes on Monday XX/XX/XXXX. I have requested information from UAS, XXXX XXXX XXXX, and a collection agency but none of these institutions have been able to produce evidence or information regarding who currently holds my XXXX loan. The original loan amount was XXXX and should have been in deferment as I have been in graduate school completing a XXXX and XXXX  XXXX since I graduated from XXXX XXXX XXXX  in XXXX. I began to inquire about the loan in XXXX. I was told then by XXXX XXXX and UAS it had likely been sent to collections, specifically XXXX. When I called the agency, they informed me that they had not held the loan since XXXX of XXXX. My UAS portal says that the loan is held by XXXX XXXX XXXX, but the school has claimed no paperwork indicating that in their files. UAS sent me a letter saying that an account specialist was working to resolve the issue and would give me a definitive answer by XX/XX/XXXX ( more than 15 business days after my initial request ). On XX/XX/XXXX I called and received only a sorry, we still dont have the answer. Currently, UAS has reported the loan as in default. This is having significant consequences on my ability to move forward with my education. I discovered this discrepancy when I attempted to receive desperately-needed financial aid. Until this matter is resolved, I am not granted access to this aid. Without an ability to contact holder of the loan, however, there is no agency with whom I can settle the matter or dispute the extra XXXX something dollars in unlabeled charges that have been added to the account. I suspect I am not the only one whose loans have been mysteriously lost before this crucial deadline on the XXXX but regardless of the cause, I just want to be able to resolve this issue for the sake of my credit and financial aid status.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have contacted Bank of America +10x in person and over the phone about blocking my hard. My card has been blocked at doctors, pharmacy, grocery. I sat at the store for over an hour yesterday as Bank of America chose to discriminate against me and prevent me from accessing my money
Consumer complaint received 2024-10-04
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. (NJ)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX Account number XXXX XXXX Account status Collection Available credit {$0.00} Reported balance {$0.00} XXXX XXXX Date opened XX/XX/year> Experian Account number XXXX XXXX Account status Collection Available credit {$300.00} Reported balance {$0.00} XXXX XXXX 0 % Date opened XX/XX/year>
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (SC)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have informed both credit bureaus and XXXX about reporting inaccurate information. The information provided by XXXX is not what shows on my credit report, therefore violating my rights. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-10-03
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. (NC)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
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. (MI)

I've recently pulled my Experian credit report on the XX/XX/XXXX. There's a Charge-off account # ending in XXXX XXXX XXXX XXXX XXXX XXXX This account has repeatedly reported on my Experian credit profile for XXXX years. 
According to USC 1681e ( b ) 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. 
I have noticed that I have over XXXX names that's attached to my Experian personal information. I have XXXX different addresses also associated with my Experian personal information ( See Attached Documents ). 
Account # XXXX is a Fraudulent account opened in XXXX of my names XXXX years ago. I mailed a certified letter to XXXX on XX/XX/XXXX. They signed for it on XX/XX/XXXX. I requested that they send me ALL original documentations. Along with payment history and signatures. To support that this alleged Charge-off belong to me. It's been nearly a year and I have yet to receive any documentations. That can prove this alleged account even belong to me. I then mailed another certified letter to XXXX XXXX XXXX XXXX. On XX/XX/XXXX requesting the same exact information. That i requested on my XXXX mailed certified letter. Again XXXX signed on the XX/XX/XXXX and acknowledged that they did in fact received my letter. 
Since then I've mailed another letter to Experian. Reporting this account as a Fraudulent account and to have removed from my Experian credit report. Experian declined my request along with not blocking my credit report. Neither Experian nor XXXX has produced any supporting documentations. That proves that this collection belongs to me. On numerous of attempts and attempts they all gone unanswered. I have attached additional supporting documentations. To support the contents mentioned above has never need certified to meet XXXX standards. The data or information provided on Experian has never been verified as accurate, complete, current, or valid in order to ensure compliance with any consumer legislation and reporting obligations. I request that any incorrect, incomplete, or unsupported material/information be deleted immediately.