davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collectibles Management Resources (TX)

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 Account name : XXXX XXXX XXXX # XXXX ( {$920.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$120.00} ), Account name : XXXX XXXX XXXX XXXX ( {$4600.00} ), Account name : Collectibles Management Resources # XXXX ( {$2400.00} ), Account name : XXXX XXXX XXXX # XXXX ( {$5900.00} ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-09-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (LA)

I am writing in response to your recent email offer and would like to request validation of the debt referenced in your recent correspondence, which I received on XX/XX/year>, via email. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of the debt you are attempting to collect. Also attached is the email that was sent to my wife email on last night.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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. 


XXXX XXXX XXXX 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 2024-09-18
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: Experian Information Solutions Inc. (AL)

I have several times reached out to contact experian on this issue by phone & email. I have been working very hard to get my credit score back through XXXX XXXX  & have recieved my credit score. XXXX has me at XXXX & XXXX  has me at XXXX but for some reason experian days I have no credit score. And this has stopped me from being able to make purchases to help with my credit score along with my wife & I are looking at places that are for sale when we are ready to try to get a loan to buy a place. I really appreciate it if this could be fixed. I have also in my emails to them have attached screenshot of my XXXX XXXX XXXX credit scores & have heard nothing back or see a change in credit score on there end. Thank you for your time & hope you can help
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

Went to an out of net work ATM to withdraw money in the amount of XXXX on XX/XX/year> at XXXX pm money was not dispensed said there was a communication error. 
Contacted my bank PNC which they initial refunded my XXXX refunded me my money while they were investigating. 

On XX/XX/year> the money was then taken out of my account again in the amount of XXXX because they said my claim was denied. 

Contacted upper management. They once again filed another claim and it was denied.
Consumer complaint received 2024-08-17
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. (SC)

I am requesting the information regarding the method of verification employed by your XXXX  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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26
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. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$5300.00} XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX  Balance {$0.00} -tied up XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} -tied up
Consumer complaint received 2024-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certified Solutions, Inc (NJ)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am reaching out to request your assistance regarding a distressing situation I am currently facing with debt collection. 

Recently, I gave birth at XXXX XXXX XXXX University Hospital and, prior to my hospitalization, I took the necessary steps to confirm that my health insurance with XXXX XXXX would cover all expenses related to my pregnancy and delivery. Both XXXX XXXX and the hospital confirmed my coverage ; however, several months after my child 's birth, I received an unexplained bill from XXXX XXXX XXXX XXXX. 

I have made multiple attempts to seek clarification on this bill by contacting the hospital directly. Unfortunately, I have yet to receive a valid explanation regarding the charges. Each time Ive called, I was promised a call back, but that follow-up has not occurred. I even expressed my willingness to establish a payment plan to address the bill, as I am currently not financially stable due to my recent childbirth and time away from work. However, my inquiries have gone unanswered for an extended period. 

On XX/XX/year>, I received a call from a debt collection agency named Certified Solution, informing me that they are now handling this alleged debt from XXXX XXXX XXXX XXXX. During the call, I attempted to explain my situation to the representative. Unfortunately, the representative was uncooperative, refusing to acknowledge my right to dispute the debt within the XXXX timeframe as mandated by law. Despite my requests to initiate a dispute with the hospital, it felt as though my concerns were dismissed, and the representative was exceedingly rude and unsympathetic. 

Given this frustrating experience, I believe it is unjust for my child 's account to be sent to a collection agency without proper communication or explanation from XXXX XXXX. I feel that I have been treated unfairly, and I am seeking help in resolving this matter. 

I kindly ask for your assistance in addressing this situation. Any guidance or intervention from the Consumer Financial Protection Bureau would be greatly appreciated as I navigate this difficult circumstance. 

Thank you for your attention to my request. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Please remove these fraudulent credit inquiries from my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-18
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the fail credit Reporting act Account # XXXX, has violated my rights. 

I understand that according to federal law 15 U.S. code 1631 ( 2 ) ( A ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-18
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)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

On XX/XX/year>, I attempted to create an Equifax account for the purposes of receiving a credit report and freezing my credit in light of the recent data breach around social security numbers. I attempted five different times to create an account, each time with an error that told me to call their customer service number. However, when I attempted to call them, I was put on hold indefinitely, with no alternative method of contacting them. This is extremely consumer hostile and unsafe, as I have no way of protecting myself from fraud without access to my Equifax data.
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (MS)

I've been contacting Sunrise for weeks once an ( XXXX  ) was placed on my credit and negatively harmed my score dramatically. No one reached out to me I had to research and find the company that said I owed a debt and still haven't been provided the information proving the debt is mine. I've constantly been trying to get this settled and the company hasn't been collaborating as if they don't want this settled. It's becoming stressful I'm trying my best to get this settle still not knowing if this debt is owed to me. This process has affected my mental, physical, and financial wellbeing. All I'm asking it for proof debt is mine and removal from my credit.
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc (WA)

A company name Financial Assistance Inc. Located at XXXX XXXX XXXX XXXX XXXX XXXX claiming to have some kind of collection account in my name. I contacted Financial assistance about this alleged debt and they claim that I obtained some kind of auto insurance policy with an unknown insurance company and that I owe the insurance company around {$200.00}, however I dont know what Insurance company they are talking about since I have all my insurance policies through XXXX XXXX XXXX XXXX XXXX  XXXX all my auto and home insurance policies are current and up to date and has never been past due with any of my creditors including my insurance provider. I have never done any business with Financial Assistance Inc or requested any financial assistance from them. I have not authorized anybody to obtain any loans, borrow or opened any kind of transaction with Financial Assistance Inc or any other party associated with financial assistance Inc. This Collections account from Financial Assistance IncXXXX Account number XXXX is fraudulent and was opened through fraud. Financial Assistane Inc, never provided me with any documentation to support the debt, and they since it's a 100 % Fraud/ID theft.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-23
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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (TX)

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (MI)

I am writing to formally request the removal of a collection account from my credit report, based on guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. Below are the details of the account in question : Account Information : Collection Agency Name : LVNV FUNDING LLC Reason for Removal Request : 1. Violation of FDCPA ( 15 U.S.C. 1692c ) : Under 15 U.S.C. 1692c, debt collectors are restricted in how and when they can communicate with consumers. The collection agency has violated this provision, such as unauthorized communication, improper notification, and other relevant reporting issues. Additionally, LVNV FUNDING LLC has recently reached out vis US mail asking for settlement after they have been told previously to stop.

2. CFPB Guidance : The CFPB provides oversight and guidance on consumer reporting protection related to debt collection practices. This collection agency failed to adhere to consumer protection standards set forth by both CFPB and FDCPA guidelines. The regulation is clearly states : Consumer Report. A consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that is used or expected to be used or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumers eligibility for any of the following : 1. credit or insurance to be used primarily for personal, family, or household purposes ; 2. employment purposes ; or 3. any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ).

I respectfully request that you investigate this matter and remove the collection account from my credit report. Please confirm receipt of this letter and provide me with a written update regarding the status of this request.
Consumer complaint received 2024-08-15
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. (FL)

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.