davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute Report for Negative Account Account Details : * Creditor XXXX XXXX XXXX XXXX XXXX Reported Date : XXXX XXXX XXXX XXXX Open Balance : {$400.00} * Opened : XX/XX/year> ( 7 months ago ) * Account Status : Open * Original Creditor XXXX XXXX XXXX XXXX  * Remarks : Dispute resolved; reported by grantor Dispute Summary : I am disputing the accuracy of the account listed under XXXX XXXX XXXX  due to the following reasons : 1. Doctrine of Estoppel by Silence : Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, if a creditor has not supplied proof of the alleged debt when requested, it may be presumed that no proof of the debt exists. In this case, I have not been provided with adequate documentation or proof of the alleged debt. Consequently, it should be presumed that no valid debt exists, and thus this account should be removed.

2. Failure to Provide Proof : Under 15 U.S.C. 1681e, creditors are required to provide accurate and complete information regarding the debts they report. Since I have not been supplied with proof or documentation verifying the validity of this debt, this account does not meet the requirements set forth under this statute.

Request for Action : I request the removal of this account from my credit report due to the following reasons : * Lack of Proof : The creditor has not provided proof of the alleged debt.

* Inaccuracy : The account fails to meet the requirements for accurate reporting under 15 U.S.C. 1681e.

* Presumption of Non-Existence : Based on the doctrine of estoppel by silence, it is presumed that no valid debt exists. 
Please investigate this matter and update or remove the account as necessary to reflect this information. 

Given the lack of resolution and your failure to provide the necessary proof of investigation, I will be initiating a claim in small claims court against your agency for the following : 1. **Compensation for Damages : ** For the negative impact these inaccuracies have had on my credit score and financial well-being.2. **Legal Fees : ** Any associated costs incurred due to this dispute.

You have 15 days from the receipt of this letter to address these issues, remove the inaccurate accounts, and provide a written confirmation of the corrections made. Failure to comply will result in legal action. 
Please consider this a final opportunity to rectify this matter before I proceed with legal claims. I expect a prompt and satisfactory resolution. 
Sincerely,
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ND)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

To Whom It May Concern : I had the worst experience with XXXX of any customer service at XXXX airport. I called XXXX customer service early morning around XXXX and spoke to XXXX informed him that we were running late little behind due to snow in XXXX and our tempo traveler getting stuck in snow. XXXX put the remarks in the system and also assured me that would speak to gate agent. We were travelling with 11 passengers on two different itinerary ( XXXX  and XXXX  ). I also called again at XXXX and also again at XXXX both times speaking to the agent and making a request that were running late due to XXXX traffic . We were at the airport the gate agent DID NOT let us board the flight. We were not NO SHOW. Once getting to the airport I was unable to getting sort of service/courtesy from the checkin agent. I asked to speak to manager but was not getting any response, all the lady at the desk did was to point the manager ( another lady ). I tried to talk to the manager but she seemed hesitant to even come over and talk to me, she DIDNT care about the situation or make any effort to resolve/provide solution. I pleaded to her multiple times and even told her you can send my bags 2 days later but let just board the flight, she showed no sense of urgency or courtesy. Again I was travelling with 11 passengers and of those XXXX  kids which is very frustrating when I was unable to get service I paid for. The flight ended up leaving LATE XXXX minutes. I had to scramble to find another flight as I had prior engagement the following day. I finally ended up booking another flight from XXXX to XXXX and booked another travel from XXXX to XXXX reaching home XXXX in the morning after travelling in cold all night. This is byfar the worst experience I have had in my life as the flight was delayed 2+ hours from XXXX to XXXX . I had a meeting in XXXX but had to cancel due to flight delay. I am the owner of XXXX hotels in USA will definitely tell any and everyone regarding the experience I have had with XXXX. I will also be posting a review online via XXXX and any review sites. I expect to be fully refunded for the worst experience of my life. 


I am not in agreement as I the service was not delivered and want to REOPEN the dispute as the airline cancelled the booking without notice. 

I have been in constant communication with my Chase since the charge the amount is {$1000.00}. I had to book another flight and spend additional {$950.00} for the flight.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

SoFi bank complaint : On XX/XX/XXXX I set up a deposit for {$200.00} to be added to the SoFi account twice, DUE to me getting an error code saying that the payment had not been set up. After the second time they said too many transactions had been processed, but, still no confirmation that it had been set up. The following day I was able to set up a payment for {$190.00} and it went through successfully, got an email and it was in my scheduled tab ( unlike the other 2 transactions ). The following day I woke up with an account restriction and I called and they confirmed that it was just under investigation and I would have a decision soon ( I assumed whether or not I would have access to the account again ), and that I could still access the money in the meantime. I attempted to use the money today on XX/XX/XXXX and I was declined 3 times, so I reached out again and they confirmed that I will not have access to the money. They said they will let me know within 7-10 business if I am entitled to my OWN money and until then I can not reach a manager to discuss further. Why wouldnt I be entitled to my OWN money that I WORKED for?
Consumer complaint received 2024-07-25
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. (IL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX 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 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (NH)

Identity theft, someone tried opening credit cards in my name with XXXX different cards. I did not apply for any of these. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT  OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATIONXXXX  XXXX DEPT OF EDUCATIONXXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NC)

I have a joint account with my boyfriend the account was frozen XX/XX/2024 I contacted the bank the day the hold happened and was told after providing personal information ( date of birth, social security, address, etc ) that they could not give me any information because I was not the primary account holder. My boyfriend contacted the bank the same day and was told that the account was on hold and needed investigation but was given no other information. We have both attempted to receive more information on what needed to be investigated and customer service would only tell us that it was still under investigation its has been XXXX months.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

I was sent a bill from Kinum Inc., a collection agency for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  for my minor son XXXX XXXX. They sent me a bill for {$300.00}. Their itemization on the bill was a charge for {$29.00} and another charge for {$74.00}, for a total of {$100.00}. Not {$300.00}!! I wrote them a letter on XX/XX/2020 asking for an itemization of this bill to show where the {$300.00} came from. Also to clarify that this was not billed correctly by the original debtor and that I was disputing this bill. I'm a XXXX XXXX   XXXX XXXX  and am on XXXX. I do have XXXX as primary insurance though. Consequently, my son has XXXX as his primary and has XXXX as his secondary. XXXX ALWAYS picks up the remainder of the bill. This is not a valid bill. Kinum has continued to harass me and call me. Yesterday, XXXX, I got a call from Kinum at XXXX The gentleman I spoke with was not a gentleman at all. Very forceful and refused to listen to the fact I sent them a letter of dispute and asking for them to validate the debt asked for. This is all clear violations of the FDCPA, as I know because one of my jobs when I worked for the XXXXXXXX XXXX XXXX was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will not stand for these companies trying to bully people. I do have proof I sent them a letter with their billing statement on XX/XX/2020.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My student loan servicer is XXXX XXXX XXXX Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (PA)

EQUIFAX FAILED TO INVESTIGATE DISPUTED ITEMS WITHIN 30 DAY. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

15 USC 1692 ( c ) the law states : If a consumer notifies a debt collector that the consumer refuses to pay a debt that debt collector must cease all communication.

15 USC 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please remove the following from my credit report. immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I have never received from this lender any written notice or examples of how to possibly fix this problem. They have only continued to send bills and then turn over for collection. 
There has never been any point of contact person that I could get in touch with. Ever You call and get this dang phone tree and you go round and round and hang on the line for a long time. No person ever gets to the phone.