davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.
Consumer complaint received 2024-08-23
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. (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.
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: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I leased a car and it was in a accident and totaled out it took along time for it to be totaled out and their saying that i still owe them after the car was paid off by the insurance company. The account says closed but the date says XXXX  i wasnt even born then. Now they left the status open and keep charging late fees and late payments now i have 24 late payments on my credit report. Its been 2yrs. So it looks like i have a open car loan out there
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian refuses to update my information. Experian has my name and address incorrect and even though I have sent them my state ID, my SS and my pay stub that shows my address, they have not corrected the problem. 

This is my correct name and address My Name : XXXX XXXX XXXX XXXX Address : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX open attach for id
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: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am 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, XXXX, and Equifax.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

ACCOUNT NUMBER : XXXX Date Last Payment : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate High Credit : XXXX XXXX XXXX Credit Limit : -- -- -- Balance Owed : XXXX XXXX XXXX Last Reported : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (TX)

Good afternoon, My name is XXXX XXXX, and I am submitting this complaint through this portal regarding the conduct of XXXX. 

On XX/XX/year>, I initiated an arbitration process through XXXX. However, Uplift has failed to formally respond to the notifications sent by both XXXX and myself. This lack of response from Uplift indicates an evasion of their responsibilities in this matter. 

Attached you will find a copy of the process that was initiated. 

This ongoing situation has been stressful for me, as I have been trying to resolve it for several months now without receiving a formal response from the company regarding the arbitration process. 

I kindly request that appropriate action be taken to address this issue promptly.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX Account # XXXX, SANTANDER Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX, SANTANDER Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to report a serious issue regarding fraudulent and unauthorized credit hard inquiries that have been placed on my credit report with all three major credit bureaus. While XXXX has appropriately removed these inquiries from my account, TransUnion and XXXX have failed to do so, despite multiple disputes. These inquiries were not authorized by me, and their continued presence on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), which governs the permissible purposes for which a consumer report can be obtained. Since these hard inquiries were not authorized, they should not appear on my credit report. I have followed the proper dispute process as outlined in 15 U.S.C. 1681i, yet TransUnion and XXXX have not corrected or removed these inaccuracies from my credit report. Their failure to address this issue promptly is not only frustrating but also a potential violation of my rights under the FCRA. Additionally, under 15 U.S.C. 1681n and 1681o, there is a provision for civil liability for willful and negligent noncompliance with the FCRA. I believe that the inaction by TransUnion and XXXX in this matter may constitute willful noncompliance, and I am considering pursuing this further if the issue is not resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I helped a friend received a XXXX transaction, so Capital One called me and they told me theres some suspicious activity going on my account and theyre gon na please place it on suspension so weeks ago by they ended up closing the account and they told me when they close my account theyre gon na send me all the money I have in my account mind you when this when the suspension happened I had about {$550.00} in my account during the suspension. I received over {$1000.00} paycheck from my job about two weeks later on the XXXX of XXXX I received about {$270.00} in my account so when I got my check today, I only received three cents instead of over {$2000.00} in my check, I only receive three cents.
Consumer complaint received 2024-08-23
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. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is being filed by me regarding late payments appearing on my credit record. Upon inspection of my files, I identified these late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response, nor has satisfactory validation been provided. I am requesting your assistance to resolve this matter swiftly and efficiently.
Consumer complaint received 2024-10-01
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: CITIBANK, N.A. (NJ)

I am writing in response to your recent communication regarding the issues with my account and the reported inaccuracies on my credit report. I appreciate your prompt attention to this matter, but I must clarify that I believe significant errors have occurred that need to be addressed. 
As previously stated, I paid off a balance of {$1000.00} in XX/XX/year>. Despite this payment being reflected on my statement initially, it was later removed without my knowledge, leading to continued interest charges on a balance that I had already settled. This has resulted in the misleading reporting of my account status to all three credit bureaus, which has negatively impacted my credit score. 
I have documentation supporting my claim, including the monthly statement that confirms the payment was posted and subsequently removed. It is concerning that your records do not reflect this, and I urge you to review them thoroughly. 
The consequences of these errors are significant. My credit report now inaccurately indicates that I owe {$1500.00}, which has hindered my ability to secure necessary repairs for my home. I believe it is in both our interests to resolve this matter swiftly and restore my credit standing. 
I kindly request that you conduct a thorough investigation into my account and take the necessary steps to correct the inaccuracies reported to the credit bureaus. I look forward to your response detailing how you intend to resolve this issue. 
XXXX request to resolve credit reporting issue***
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (KY)

We were called by someone saying they were with Chase bank that and were told someone tried to charge a purchase in Virginia ( we live in Kentucky ) to our account They blocked the transaction. They went on to insist our information from our credit score was now public domain and they insisted in putting us in contact with CFPB directly to avoid us being charge $ XXXX to make the complaint on our own. 

We were transferred to XXXX that said she was with CFPB .She said there must have been a bank violation and XXXX XXXX and XXXX XXXX are both violating federal law by making personal credit score information public domain. She also said it could come from a consumer violation by not paying credit card charge on time or having filed bankruptcy. We didn't get any farther as I had to pause to go to the restroom and she said she would call us back on Saturday for us to take action to protect our accounts. 

We have contacted Chase Bank and they deny any type of questionable transaction showing up and the call was probably a fraud. The person did call from a number that the Chase person said it was a foreign Chase bank overseas number. That number was XXXX. We have put a lock on that credit card and they advised we contact XXXX XXXX put a freeze on my credit report and a fraud alert for a year.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX. 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. XXXX USC XXXX 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! 

XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (MI)

I checked the box that said " Debt was paid ''. I did not see an option for " Debt was already forgiven by Creditor ''. 

The debt was incurred on XX/XX/XXXX for a XXXX  visit. When the statement came dated XX/XX/XXXX, we ( my son, XXXX XXXX and I ) asked for a charity application from XXXX XXXX. They mailed the application. We filled it out and sent it to them on XX/XX/XXXX ( attached ). On XX/XX/XXXX, XXXX mailed a letter saying that the approved discount is 100 % ; the total balance remaining is {$0.00} and that the approval date of the forgiveness is XX/XX/XXXX and the expiration of the approval is XX/XX/XXXX ( forgiveness letter attached ). 

After the above forgiveness letter, on XX/XX/XXXX, XXXX sent a letter saying that they need three most recent paycheck stubs showing total earnings ( before taxes ) and proof of any income received in the household ( retirement, social security, child support, etc. ) and gave us 30 days to respond. Because I was visiting my grandchildren out of state, I did not see that letter. I received another letter from XXXX dated XX/XX/XXXX that " Applicant failed to provide requested documentation '' and denied our request that was already approved by them. I sent a response to them on XX/XX/XXXX showing the last three pension checks that I received from the City of XXXX and letting them know that Social Security income is a direct deposit and that they do not send any " pay stubs ''. I provided them bank statements showing the Social Security direct deposits. They never responded to my letter dated XX/XX/XXXX. 

Instead, I started receiving communications from Frost-Arnett ( a collection agency ) that I owe the debt of {$460.00} ( Collection notices from Frost-Arnett are attached ) XXXX On XX/XX/XXXX and on XX/XX/XXXX, my son and I called the collection agency and provided them the XXXX forgiveness letter that showed that the " Total Remaining Balance '' is XXXX. They said that their interpretation of that letter is that any services provided by XXXX from XX/XX/XXXX to XX/XX/XXXX are forgiven and that the debt incurred in XXXX is not part of that forgiveness. 

The XXXX forgiveness letter dated XX/XX/XXXX, was in response to my financial assistance application and that I am still owed this debt. I disagree. The debt was forgiven by the Creditor and because I was late in responding to their request to send additional documentation after they gave the forgiveness letter, XXXX  is now trying to take back their forgiveness and turned over the debt to a collection agency. 

Please help. I am XXXX XXXX XXXX and my son is better acquainted with this matter and I give you permission to talk to my son, XXXX XXXX ( XXXX ) if you need any further clarification. Thank you. 

XXXX XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir/Madam, I am writing to file a formal complaint and request the immediate deletion of erroneous collections accounts reported by the following entities on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX I believe these accounts are inaccurate and should be removed from my credit report for the following reasons : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, I am entitled to accurate and fair treatment by debt collectors. Each of the above-mentioned entities has failed to provide sufficient verification of the debt as required by law. Despite multiple requests, they have not provided the necessary documentation to prove that I am responsible for the debts they claim. 

Furthermore, the FDCPA prohibits the use of misleading or deceptive practices in the collection of debts. Given the lack of proper validation, these entities may be engaging in unlawful practices by continuing to report these debts to the credit bureaus.

2. Violation of the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681, requires that all information reported to the credit bureaus must be accurate, complete, and verifiable. I have disputed these accounts directly with the creditors and the credit reporting agencies, yet the inaccuracies remain. This failure to correct or remove erroneous information is a clear violation of the FCRA. 

3. Failure to Validate Debts Under the FDCPA, debt collectors are required to validate the debt upon request. I have sent multiple debt validation requests to these entities, and they have not provided adequate proof that the debts in question are valid, nor that they have the legal right to collect them. Without proper validation, these accounts should not be reported on my credit file.

4. Inaccuracies in Reporting Upon reviewing the details of these accounts, I have identified inconsistencies and inaccuracies that further question the validity of these debts. This includes discrepancies in the amounts reported, the original creditor information, and the dates of first delinquency. Under the FCRA, any information that can not be verified must be deleted from the credit report.

Request for Immediate Action Given the violations of the FDCPA and FCRA, and the failure of these entities to provide sufficient validation of the debts, I respectfully request that the CFPB investigate these matters and instruct the credit reporting agencies to remove the aforementioned accounts from my credit reports entirely.

I trust that the CFPB will take this matter seriously and ensure that my rights under federal law are upheld. I look forward to your prompt action in resolving this issue.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX