davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number:XXXX in XXXX 2018 . This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX 2018 late payment from my credit report. I further request that you notify the credit bureaus ( Equifax, XXXX and XXXX ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within XXXX  days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-08-12
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. (CA)

Request for Immediate Removal of Unauthorized Hard Inquiries I hope this letter finds you well. My name is [ Your Full Name ], and I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit report, I have identified unauthorized hard inquiries that were made without my consent. I am requesting the immediate removal of these inquiries in accordance with applicable laws and regulations.

I refer to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), which states that a consumer reporting agency may not make a consumer report containing information that results from an inquiry into a consumer 's credit report unless the inquiry is initiated by the consumer or for a permissible purpose.

Unauthorized hard inquiries are not permissible under the FCRA, and I assert my right to have them promptly removed from my credit report.

Additionally, I would like to bring to your attention Section 1681i ( a ) ( 5 ) ( A ) of the FCRA, which requires consumer reporting agencies to promptly delete inaccurate or incomplete information. Unauthorized hard inquiries fall under the category of inaccurate information, as they were not initiated by me or for a permissible purpose. Therefore, I am requesting the immediate deletion of these unauthorized hard inquiries from my credit report. 

I also reference the Credit Repair Organizations Act ( CROA ), which is designed to protect consumers from unfair and deceptive practices related to credit repair services. Unauthorized hard inquiries, not initiated by the consumer, can be considered a violation of these protections.

In light of the aforementioned legal provisions, I kindly request that [ Credit Reporting Agency Name ] promptly investigate and remove the unauthorized hard inquiries from my credit report. I expect this process to be completed within the timeframe stipulated by law. 

I appreciate your prompt attention to this matter and anticipate a timely resolution. Please provide written confirmation once the unauthorized hard inquiries have been removed from my credit report. Thank you for your cooperation and adherence to the laws that protect consumer rights.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian Rent Bureau Please see attached : - Experian Rent Bureau credit report order form filled out and signed - My drivers license, social security card, and mailing address I am requesting a copy of my Experian Rent Bureau report.
Consumer complaint received 2023-10-09
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My name is XXXX XXXX I am currently having an issue with Bank Of America trying to foreclose on my home on XXXX/XXXX/2016. I have been trying to work with them for years now to get the home under my as per the Administration letters we received appointing me executor of the estate. Both my parent passed away XXXX XXXX and XXXX XXXX leaving me this house. BAC has been reviewing my situation and I have XXXX letters stating I 'm being reviewed dates XXXX and another XXXX on XXXX/XXXX/2016 but yet they are still foreclosing on XXXX/XXXX/2016. 
I have asked them for a reinstatement quote but they refuse to give me XXXX, they have not sent me any letters to get this current or to cure the delinquent amount. Please help me keep my home so Bank of America do n't take it.
Consumer complaint received 2024-08-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENOVA INTERNATIONAL, INC. (TX)

Formal Complaint Regarding FDCPA Violations by NetCredit ( Account # XXXX ) Date : XX/XX/year> Complaint Details : I am filing a formal complaint against NetCredit for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, which governs communication in connection with debt collection. 

Summary of Violations : I previously filed a complaint with the CFPB under Complaint ID XXXX, opened on XX/XX/year> and closed on XX/XX/year>, regarding NetCredit 's failure to provide proof of debt as required by law. 

On XX/XX/year>, I sent a dispute letter to NetCredit via USPS tracking # XXXX, and again on XX/XX/year>, via USPS tracking # XXXX. In both disputes, I explicitly requested in writing, under 15 U.S. Code 1692c ( c ) - Ceasing Communication, that no telephone contact be made by NetCredit to my home or place of employment. 

Despite this, NetCredit has repeatedly harassed me with telephone calls on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. These actions are in direct violation of the FDCPA. 

Legal Basis for the Complaint : Under 15 U.S. Code 1692c ( c ) - Ceasing Communication : If a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding the debt, except under certain conditions. 
NetCredit has failed to comply with this legal requirement by continuing to contact me via telephone, despite my clear written request to cease such communication. 

Request for Action : Given these violations, I request that the CFPB take the following actions : Investigate NetCredit 's repeated violations of the FDCPA. 
Impose appropriate penalties for their non-compliance. 
Ensure that all future communications from NetCredit are conducted in writing, as requested. 
Attached Documentation : To support my complaint, I have attached the following documentation : Copies of the dispute letters were sent to NetCredit with USPS tracking numbers. 
A record of the dates and times of the harassing phone calls from NetCredit. 
I trust that the CFPB will take appropriate action to address these violations and ensure NetCredit 's compliance with federal law. 

Please consider this letter as notice of intent to file a lawsuit, where I reserve my legal right to start litigation without providing future notice. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-31
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: National Credit Adjusters, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. This collection agency has the balance as {$620.00} when the account was written off for {$550.00} and I have since paid {$440.00} to the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to NATIONAL CREDIT ADJUST which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2022. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. Attached is the debt validation letter I sent your company 2 months ago to the point of no avail. The letter is dated and time stamped. Please also see the invoice for the many FCRA violations and remit payment to the address on the XXXX XXXX. If this account is not removed and payment is not received within 15 days I will forward this information to my legal attorney so that this can be handled in small claims court.
Consumer complaint received 2020-06-12
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Consumer complaint received 2023-08-13
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. (CA)

This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Consumer complaint received 2023-07-15
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. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-15
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

We applied and were approved for COVID forbearance. XXXX XXXX has acknowledged this. XXXX has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. XXXX continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. XXXXXXXX XXXX failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau XXXX To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

Thank you
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Army and Air Force Exchange Service (AP)

Navy Exchange ( NEX ), the " XXXX '' onboard US XXXX bases, offers currency exchange for personnel stationed overseas ( in XXXX ) to  pay their off-base rent. However, the exchange rate offered is always 2-3 % less than the Bank Rate for US dollar to XXXX XXXX exchange. 

To offset this, the Navy Exchange provides a {$10.00} gift card for use at the NEX, for each month paid. However, this is inequitable because the gift card is always for the same amount, regardless of the monthly rent amount ... so a single military member with an $ XXXX/month ( equivalent ) rent payment derives more proportional benefit from this {$10.00} gift card than a military family whose rent could be closer to $ XXXX ( equivalent ).
Consumer complaint received 2023-07-31
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. (CT)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2016-07-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I became aware of an outstanding debt I owe from 2011. I contacted the debt collector via certified mail and asked if they would settle at a lower amount or if they would accept monthly payments until debt was paid in full. I never heard back from them. I then, sent a certified letter to all XXXX credit bureaus asking if they could investigate this. I have never disputed that I owe, I actually acknowledged that I owe this but want to come to an agreement as to how to pay it. The response I got from the credit bureaus was simply that the debt was verified and that it did belong to me. When I ran my credit report at the XXXX it states on there that I dispute the debt but that the issue has been resolved. I do not know what the resolution is as I never heard back from the creditor. To this day I have not heard from the creditor and do not know what resolution it is they are referring to. I am in the process of buying a home and that is why I am trying to do the most I can to get this issue resolved.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Client Services, Inc. (TX)

Client Services can use to call my phone, my spouses phone and my mothers phone leaving detailed information on all of our voicemails. When I tried to call back I am told they need my information to pull up the account. I refuse to give my information because I dont know who Im talking to. I did call the number listed. 
Below is the voicemail left my name is process server XXXX XXXX I've been retained to execute a five at your place of residence your place of employment between the hours of XXXX and XXXX XXXX today as per lawyer _filing party 's contact information because you do have a legal right to attempt to stop here served now the name of the following party on your document his client services that their telephone number is XXXX but I must hear from your filing party before my scheduled attempt some type of stop order to prevent me from executing your summons if I do not hear from this company when I meet with you you're required to show me two forms of identification when you sign for your
Consumer complaint received 2023-09-29
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, experian and XXXX are reporting inaccurate information in regards to my XXXX XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.
Consumer complaint received 2023-07-31
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. (OH)

Have been trying to get these inquiries off my credit report, again I gave no one permission to run my credit for a car, disputed these inquiries before and it came back as non monetary relief, which means they gave no explanation as to why I have these inquiries on my report. These inquiries are on my XXXX Credit Report XXXX. ) XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XX/XX/23 XXXX XXXX  {$460.00} is a collection that I don't know about that I would also liked removed. 
XXXX  XXXX Bankruptcy, I have sent a letter to the credit bureaus from the bankruptcy court stating that they do not share any information with credit bureaus, but XXXX and Experian are stating they received this information from The Bankruptcy Court what do i do