davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX and XXXX  XXXX
Consumer complaint received 2023-08-15
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. (DE)

To whom this may concern : I have no knowledge of the accounts on my credit report. 

The accounts that I dont have knowledge of is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inquiries because I did not authorize them.
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MT)

In XX/XX/2018 I opened a XXXX auto loan with Chase Bank. Today, I tried to make my payment via the telephone and was unsure of whether it had gone through or not. I called in to make my inquiry, and I spoke to, and was transferred to/from, 5 people. Each of these people would not speak to me until I gave them my SSN, make, model, year, DOB, and address. Just to get the understanding that my auto loan payment I made via the telephone was proper, I had to decide this information 30 times. Yup, 30 times. The Chase system is too arduous and too difficult to manage if even I can not access information. Of course, their representatives were horrible and difficult. I further do not wish to give out my private information to call center representatives, as that practice is incredibly unsafe in its own right.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (MD)

On XX/XX/XXXX, I applied for a Discover credit card. I received the card on XX/XX/XXXX and activated it the same day. The timeline for this account is that it is 8 days old. For some reason Discover sent me a bill due date and stating that my billing cycle ended on the XXXX of XX/XX/XXXX. I have talked to numerous employees and none of them could help me. I simply asked for an account less than 30 days ( 13 days active at the time of this message ) why do I already have a billing statement due? Please see attached, the most odd thing about the conversation is that they state that the 'system automatically generates a due date ' which makes no sense for an account this new. To be clear, I am not disputing the transaction on the account, I am fine with paying it, the billing statement is what I have issues with. If my account was opened on XX/XX/XXXX or the activation of my card was on XXXX as the start of the billing cycle and ends 30+ days later then I would be fine, because I would expect a bill due date to be either late XXXX or early XXXX. They also claimed that my billing cycle was stated on a welcome kit letter, which there is none ( please see attached ). All I was asking for is let my account actually be active for 30 days and send me a correct billing statement and they could not be bothered to do that. Their practice is predatory and not clear in what the sell.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

These accounts should not have any late payment remarks at all! I'm always paying on time. This is the company 's mistake and they shall correct this at once!
Consumer complaint received 2023-08-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My payment history reflects missed payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were missed due to my diagnosis of the XXXX XXXX, which placed a burden on my health and finances for the year XXXX including having to attend XXXX XXXX 

Since then, I have paid my account balance down to {$0.00}. This company refuses to remove the late payments sustained as a result of XXXX. Although this company is not obligated to forgive any of my discrepancies, as a consumer I expected a little bit of leniency while facing the epidemic.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I received a text alert from the bank about suspicious debit card transactions. After reviewing the transactions I immediately called the bank and told them it was unauthorized and for the bank to block the card. 

On XX/XX/2023 I called the bank to submit a claim for the fraudulent transaction of {$1400.00}. 

On XX/XX/2023 the bank told me they have closed the case and will not be issuing me any credit saying I needed to contact the merchant to get my money back. That same day I contacted the merchant and made a case with them. After their investigation they found the suspect. I was told it was a cash advance transaction and the suspect was a female. I do not know this person and have never authorized anyone to use my card. 

On XX/XX/2023, I called the merchant and the merchant agree to stay on the phone with me to call Wells Fargo fraud department to try to resolve the issue. The merchant talked to Wells Fargo fraud department and a supervisor and explain to them all they had to do was send the merchant the request and they can forward all the docs showing that it was fraud but all Wells Fargo said was that the case is closed and can not reopen it up again. The merchant processor and I could not believe they would not do an investigation and send the merchant a request.

The bank basically said they choose not to pursue my claim and deny my request to process a chargeback because I still had my debit card with me. Of course I still had my card I did not give my debit card to anyone to use. I dont know if my card was skimmed or if my replacement card I had ordered a week before was stolen. I never received that replacement card. The bank wont tell me anything about the transaction just accusing me of giving someone my card to use when I have not given anyone permission to use my card.

I do not understand the bank denying to process my claim when it is a fraudulent transaction, even the merchant has identified the transaction as fraudulent.
Consumer complaint received 2023-10-10
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: Certified Credit Reporting, Inc. (OR)

I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + Credit Unions CERTIFIED CREDIT REP Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (IL)

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 2023-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CA)

On or about XX/XX/2023, I received a validation notice from Sunrise Credit Services , Inc to collect on a debt. The notice provided until XX/XX/XXXX to dispute the debt ( the validation period end date ). 

On or about XX/XX/2023, verification of debt was requested via e-mail triggering the XXXX validation period. However, on or about XX/XX/2023, the collector reported the debt delinquent to the Credit Bureaus. This is before the validation period end date of XX/XX/XXXX and before my verification request of XX/XX/XXXX. 

Although the FDCPA may not explicitly require the debt collector retract or modify a report of delinquency made before the verification request, the requirement to cease collection activities until verification is provided still applies under the FDCPA. 

Here, Sunrise Credit Services intentionally tried to bypass the timing requirements of debt validation under FDCPA by reporting the account delinquent to the Credit Bureau 's prior to the validation period end date. This practice deprives all consumers a meaningful opportunity to dispute the debt and obtain verification. This practice further assumes that the alleged debt is valid and results in a substantially decreased credit score. 

Sunrise Credit Services was provided an opportunity to correct the mistake and has explicitly refused to retract delinquent reporting as of XX/XX/2023. 

As result of this deceptive but intentional practice by Sunrise Credit Services, I have suffered a loss in FICO score of at least XXXX XXXX, lost my ability to purchase a house and suffered substantial emotional distress.
Consumer complaint received 2023-08-15
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. (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. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX, : XXXX XXXX XXXX  : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX 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 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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I am writing this letter to dispute the following account that was removed from my XXXX report but still remains on my other credit reports XXXX and XXXX : WFBNA CARD, Wells Fargo Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX XXXX & XXXX from the accounts that has been charged off. ( XXXX XXXX ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (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. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, : XXXX XXXX XXXX  : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX 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 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 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

We have a Marriott credit card through Chase. We receive monthly paper statements and want to continue receiving monthly paper statements. Frequency when signing into their website to review transactions they try to change our preference for paper statements. They default to e-statements and ask us to confirm. This is misleading and deceptive. They change our preference to e-statements and ask us to confirm. The default should be left at paper statements. It is misleading to confirm their choice not ours. This is a systemic issue and they shouldnt be allowed to change customer choices. Please force them to be more customer friendly and less deceptive.
Consumer complaint received 2023-07-17
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. (MD)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-15
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (AZ)

I have been trying to get a verification of debt from Credence Resource Management for months. I initially reached out when I saw a collection on my credit report and requested a statement from the original creditor along with any information that tied my name to the account. I have never had an account with the original creditor, so I am not sure how they are legally able to collect a debt that was never under my name. They are collecting for something they don't have any proof of. I have never had a XXXX XXXX account in my life. Somehow I have a collection from them. Credence Resource Management seems like a scam. They are trying to pin debts on people 's credit that dont belong to them.
Consumer complaint received 2023-10-10
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: DISCOVER BANK (CA)

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX