davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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 am aware that a charge-off is viewed as a certificate of indebtedness, making it taxable income and eligible for removal from records. With this understanding, and considering the appearance of this information across multiple credit bureau reports, I seek assistance in reviewing my situation again. 
According to the Internal Revenue Service ( IRS ) Publication 4681, if a debt for which you are personally responsible is forgiven or discharged for less than the full amount owed, the remaining unpaid portion is considered canceled debt and must be included in your income. I am requesting an inquiry based on data from the four major credit reporting agencies, which indicate a charged-off debt from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, totaling {$23000.00}. 
An authorized 1099-C form has already been submitted to the IRS, and I have copies available for verification. The amount listed on the form will be included in my income for the XXXX tax year. Therefore, the charged-off debt should be removed from the credit reports, as my credit history should not include income-related information. 
In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602, it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my personal information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. XXXX XXXX XXXX qualifies as a financial institution under this statute. 
Additionally, 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided consent for XXXX XXXX XXXX, XXXX, or XXXX to share this information, whether verbally, non-verbally, in writing, or otherwise. Any previous consent I may have given is now revoked.

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a third party without informing the consumer of their right to opt out. XXXX XXXX XXXX failed to inform me of my right to opt out. The account they are reporting without my permission constitutes an adverse item of information, which is prohibited under 15 USC 1681C ( a ) ( 5 ).

Also, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information to reporting agencies, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain procedures that prevent violations and limit the furnishing of reports to specific purposes.Experian, XXXX, and XXXX are failing to maintain reasonable procedures. Under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I hereby choose to opt out.
Consumer complaint received 2024-09-05
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)

I am submitting this formal dispute regarding inaccuracies reflected on my credit report, which your bureau has reported. The information tied to certain accounts is incorrect, and I request that it be corrected immediately to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

The attached letters provide specific details about the errors, including documentation supporting my claims. These inaccuracies include erroneous reporting of account dates, statuses, and other data that inaccurately portray my payment history or account standing. As a result, this misinformation is unfairly impacting my credit score and financial profile.

I kindly request that you initiate an investigation based on the information provided in the attached letters, correct these discrepancies, and remove the erroneous data from my credit file. Please ensure that my report is updated to reflect the accurate information in accordance with the FCRA and provide written confirmation once the changes have been made. 

If any further information is required to resolve this dispute, feel free to contact me. I appreciate your prompt attention to this matter and look forward to a timely resolution.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (OK)

I am writing to formally dispute an account reported by HARVARD COLLECTION SERVICE that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date. 2. The purchase agreement between HARVARD COLLECTION SERVICE and the original creditor to establish their right to collect on this debt. 3. Proof that HARVARD COLLECTION SERVICE is licensed and bonded to collect debts in my state. I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, HARVARD COLLECTION SERVICE has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt. HARVARD COLLECTION SERVICE has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case. Thank you for your attention to this urgent matter.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was notified that my social security number had been exposed in several data breaches so I checked my credit reports and notice several accounts that I did not open that I listed on this report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also there is a Bankruptcy on my reports that I did not do. Please remove these items asap.
Consumer complaint received 2023-11-10
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. (OR)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-28
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. (GA)

I am a victim and limited on means to transmit information ( please see attached ). My personal statement is as follows : greetings and thanks for your tme today. it appears i am victim of identify theft. my information has been stolen and used yo open credit accounts without my knowledge or consent. please block and remove all of these fraud accounts. once again, thank you and God be with us. thank you and I pray and wish that I will not be discriminated against through these means
Consumer complaint received 2024-07-27
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. (NY)

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility. 


I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me. 

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened the account in XXXX, ( Acct # XXXX and savings # XXXX ) I funded it through direct deposit from my XXXX XXXX XXXX. I made XXXX XXXX payments to my new landlord on XXXX and XXXX for {$500.00} and {$600.00}. I woke up on XXXX and my account was blocked and set to be closed in XXXX days. There was no notice, no warning, nothing and they won't allow me to retrieve my money. I spoke with numerous people on XXXX and XXXX they all refused to help me and hung up on me. So I reached out to the Executive Response Unit for help. They took my information and gave me a reference number : XXXX
Consumer complaint received 2024-07-10
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 recently disputed an account with Experian due to it being an account that I did not recognize as belonging to me. This account is for XXXX XXXX with a balance of {$310.00}. The dispute with Experian came back as verified and stating that it was an accurate account. This account was not investigated properly because I also submitted a complaint to the debt collector as well and received a letter from them stating that it could not be verified. So how is it possible that Experian stated that it was verified. I am attaching to letter from XXXX XXXX to this complaint.
Consumer complaint received 2024-09-30
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)

My account with 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 60 days 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. 

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 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I open an account with credit card company XXXX XXXX XXXX in the month of XXXX of XXXX. Around the the XXXX of XXXX of XXXX I received a credit alert from all the credit bureaus that my credit score had decreased. I checked my credit reports with all credit bureaus and indeed my credit reports score had decreased significantly. I had canceled my line of credit with XXXX XXXXXXXX XXXX because I was unaware of an annual charge for credit card holders. I never used or made any transactions with the XXXX dollar line of credit I had with XXXX XXXX XXXX. I contacted XXXX XXXXXXXX XXXX  customer service support by telephone service. I explained to the representative what was going on with my account that they were reporting inaccurate information to all the credit bureaus about an account I had closed and it was showing I had a balance. The representative from XXXXXXXX XXXX XXXX access my account and explain to me that he did see that there where never any transactions made on the credit card and the charges where from the annual fee for having a credit card and a late fee for not paying the annual fee. The customer service representatives from XXXX XXXXXXXX said since there where no transaction ever made by me on the credit card and I had closed the account that the annual fee was removed. I asked for a letter that would reflect that and the representative from XXXX XXXX XXXX  emailed it to me while I was on the telephone with him. This company is trying to damage my credit.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (OH)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-01
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. (NV)

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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2023-11-10
Product: Credit 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. (TX)

Charge was reported. I submitted minimal information at first asked if more was needed was told no charge would be reversed and investigaton would be done. 

Later I called to follow up was told to wait, followed up again and was told still pending. After several calls did not get anywhere with claim. I explained in detail over phone what happened but nothing was put into writing on on file for claim. Later received decision that charge was reversed and given to vendor. {$400.00} was added to my card with interest XXXX XXXX XXXX XXXX I refuse to pay for a charge that I disagree with customer support has given little to no resolution just making me jump through hoops and run around just to what I feel is a slap in the face.
Consumer complaint received 2024-09-30
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )