davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (PA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>1924 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (NC)

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " Consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers privacy. '' XXXX, XXXX, and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts, " Congress 's policy is that financial institutions have a continuing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. '' Hunter Warfield qualifies as a financial institution under this section.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), " A consumer reporting agency may provide a consumer report only in accordance with the consumers written instructions. '' Hunter Warfield the financial institution and XXXX, XXXX, and XXXX do not have my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish my information. Any and all forms of consent previously granted to these agencies are revoked. 

Additionally, 15 USC 6802 ( b ) ( c ) requires that " A financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise their nondisclosure option. '' Hunter Warfield, have not provided me with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) stipulates that " No consumer reporting agency may include adverse items of information, other than criminal convictions, that are more than seven years old. '' The reporting of this adverse item without my permission is unlawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that " No person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e requires consumer reporting agencies to " maintain reasonable procedures to avoid violations of section 1681c and limit reports to the purposes specified in section 1681b. '' XXXX, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to " opt out at any time. '' Therefore, I am opting out of your reporting services.
Consumer complaint received 2020-06-17
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

XXXX XXXX XXXX ID : XXXX Date Of Birth : XX/XX/XXXX SSN : XXXX ID TYPE : Drivers License ID # : XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Early warning services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am writing to request an investigation of the following information that appears on my early warning systems consumer report. I have NEVER opened or used the following account numbers. 

Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize the following accounts in question. I'm a XXXX XXXX XXXX XXXX and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my early warning consumer report immediately. I've attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Booked tickets from XXXX XXXX XXXX via chase portal for XX/XX/year>, due to unforeseen circumstances I had to cancel the tickets but was assured by the agent that the credit will still exist on my account for {$770.00} for future use, but will require myself to call and book. Fast forward to today on XXXX, called chase booking and ask to use my credit towards a hotel booking and was told that wasnt possible and needed to be used for flights, I then tried to book a flight and was told I cant use those credit for these flights and it must be booked thru XXXX for the same people and nothing else I inquired is there a way to get some of refund as this wasnt presented to me when I first cancelled my flight a few months ago and was assured I can use the credit for another booking in the future. This really XXXXXXXX XXXX XXXX into not being able to use it at all and Chase is just holding my money XXXX that will potentially expired and will just keep the money this is very unfair, why cant you just let me use it elsewhere on booking and any other flight.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (FL)

Im reaching out because Im facing some serious issues with my credit due to this collection account. I never agreed to or signed any contract for this account. For a contract to be valid, both parties need to sign it, and I have not been part of any such agreement. Additionally, the collection company didnt follow the proper 5-step validation process required by law. 

According to the FDCPA, Im entitled to compensation for these violations. Its clear that my rights have been ignored, and this has been really damaging to me personally. Im asking for this account to be removed from my credit report immediately. If this isnt resolved, Ill have no choice but to take legal action.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I never got my one time {$25.00} credit yall promise please verify it was applied to my account etc. My name is XXXX XXXX XXXX and contact me at XXXX and account number is XXXX etc Here is my documents to add to my XXXX CFPB and verify it was applied to my account and verify it was spent too etc.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

Venmo sent multiple emails stating that my account was suspended and frozen. Was given multiple instructions to send my ID and change passwords, which I have done multiple times of each action. It feels like I am in a loop of just resending ID documentation and there has been no response yet. Funds are locked. Need funds to pay off a traffic citation and college.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-01
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: LEXISNEXIS (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items. I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: YSA ARM LLC DBA Oxygen XL (CA)

Subject : Urgent Dispute of Unauthorized Collections Dear XXXX Dispute Resolution Team, I am writing to demand the immediate removal of two unauthorized negative collections from my XXXX credit report. I have no knowledge of these accounts and did not authorize them. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify any accounts you list on a credit report through the physical verification of the original signed consumer contract. This requirement ensures that fraudulent accounts can not be included in credit reports. I demand that you provide verifiable proofspecifically, an original consumer contract with my signatureof the accounts listed below. If you can not provide this verifiable proof, you must remove these accounts immediately. 

The unauthorized collections in question are : - **OXYGEN XL** Creditor : XXXX  Date Opened : XX/XX/year> Balance : {$420.00} - **OXYGEN XL** Creditor : NETEVIA Date Opened : XX/XX/year> Balance : {$390.00} These accounts have adversely impacted my XXXX XXXX and my ability to obtain credit. Under the FCRA, unverified accounts must be removed from my credit report. Failure to provide the required proof or remove these accounts will be a violation of federal law. 

Please address this matter urgently and confirm the removal of these entries or provide the necessary documentation within the statutory timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Without warning, Wells Fargo closed my credit card account based on trumped up reasons. 

Wells Fargo sent me a letter dated XX/XX/XXXX, which stated that Wells Fargo closed my account and listed various reasons, none of which are severe enough to warrant an account closure. 

Around XXXX of XXXX, I opened the Wells Fargo credit card account and I took advantage of a great balance transfer offer of 0 % ( zero percent ) interest rate for about 18 months. Before the balance transfer expired and the interest rate went up, I paid off the credit card. 

I suspect the real reason that Wells Fargo closed my account is that I am simply an unprofitable customer to Wells Fargo as I paid off a large balance transfer offer that would have garnered lots of interest revenue for Wells Fargo if I had not paid it off. 

Today, XX/XX/XXXX, I noted that on the XXXX website, my stated credit score is XXXX. However, the Wells Fargo Letter states that my XXXX XXXX Score is only XXXX. I suspect that Wells Fargo employs a XXXX Score methodology that nets a lower credit score when reviewing unprofitable clients compared to the XXXX Score Methodology employed when opening new client accounts. I think the CFPB should inquire to see if this is indeed what Wells Fargo practices by inquiring which XXXX score methodology is employed for new clients and established clients. 

This credit practice of closing accounts should be illegal considering there have been no adverse movements on my credit score nor any late payments nor defaults. In fact, Wells Fargo closing my account without warning may cause my credit score to decrease significantly. 

This sounds like yet another Wells Fargo scandal in the making.
Consumer complaint received 2024-09-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

XXXX XXXX XXXX XXXX {$1100.00} Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (SC)

I paid off pay tomorrow and have made payment. I finally paid off the account. The balance is still showing wrong on credit report. The balance is still showing that I owe money on the portal. I was also told it would be removed from my credit when it is paid off.
Consumer complaint received 2024-08-11
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I was in a car accident and I had gap insurance. The gap insurance covered 100 % of the loan. They claimed I owed them more after being paid by my insurance company. Credit acceptance contacted me and threatened me to pay money I do not owe them.
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: Early Warning Services, LLC (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (TX)

I have spoken with the collectors who have called me with this collection in the past on more than one occasion to inform them of some hardships as to why I fell behind on those credit card payments. Multiple representatives from Citibank call me constantly even after hours into the night in a harassing manner about this mentioned account. I have disputed this for months on obtaining accurate information to be noted to report on my credit file ( XXXX and XX/XX/year> ) and the company did not rectify that either. The third-party XXXX is now suing me for the Home Depot ( Citibank ) debt.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I never got my one time {$XXXX} credit yall promise please verify it was applied to my account etc. 
My name is XXXX XXXX XXXX and contact me at XXXX and account number is XXXX etc
Consumer complaint received 2024-09-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have filed reports with CFPB, XXXX and Portfolio Recovery multiple times. They have aged this debt they claim I owe. The original amount they claimed I owe them is in dispute with the original creditor XXXX. Nevertheless they have reported this account as being opened XX/XX/year> which is FALSE. Portfolio have claimed they have investigated and confirmed the information is correct, XXXX, XXXX XXXX XXXX claim to have verified this information too. I previously complained about this with CFPB on XXXX. The date being reported is possibly the date they created the account they claim I owe to them, but this is NOT the date the account was opened with XXXX or the date of last payment. Re-Aging of accounts is damaging to my personal credit file and against the law. I am tied of getting the run-around on this issue. The behavior of all organizations involved is reprehensible. Please have them fixed this immediately.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need my dispute claim Claim Reference Number : XXXX to reopen and reinvestigated and appeal because I disagree with the dispute decision because I did contact the business but they couldnt help me they say to contact my bank to dispute. 
My name is XXXX XXXX XXXX and contact me at XXXX XXXX