davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

LVNV has posted an allege debt of {$230.00} on my private personal consumer report held and shared by XXXX and XXXX XXXX without properly, legally and lawfully notifying me in the proper manner in which would have afforded me the opportunity to exercise my rights and dispute the allege debt if need be. 
XXXX and XXXX XXXX has violated several consumer laws by posting, sharing and/or adding remarks to my personal private consumer report pertaining to any transactions and experiences that may or may not have taken place pertaining to this matter, account and/or allege debt/claim. 
Under the Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid. 
Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment If the original creditor is different from the current creditor, notice that if the consumer makes a written request for the name and address of the original creditor within the thirty-day period, the debt collector will provide that information If, within the thirty-day period, the consumer disputes in writing any portion of the debt or requests the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$1100.00}. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (TX)

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 2024-10-26
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. (NJ)

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo claims I have missed a payment. I have not. I did underpay, because I was not aware that the payment amount had increased, but have actually been overpaying for a significant period of time. I can not figure out why Wells Fargo believes I owe them a full months payment, and they will not explain it to me. I have asked them twice over the phone and twice in writing to investigate and explain this to me in writing, but they have not responded. Instead, they continue to call me frequently ( and I do not answer ).
Consumer complaint received 2024-10-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (GA)

We have had a check on hold. We got the issuer of the check to verify the check. The bank still refused period then we went to her issuing bank with the customer who issued the check. So now we're at the issuing bank, along with the issuer, herself, we verified all information that money had already left that account. It had been verified and chase still refuses to release the funds
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing the accuracy of the XXXX XXXX XXXXXXXX account, as reported on my credit file. My review of this account has identified numerous compliance violations that fail to meet Metro 2 standards. Due to these unresolved and inconsistent reporting practices, I am formally requesting the immediate deletion of this account from my credit report. 1.Inconsistent Payment Status : The payment status is reported differently across the bureaus. XXXX shows Charged off as bad debt, and Experian lists Unpaid balance reported as a loss by credit grantor, while XXXX provides no clear status. These discrepancies in reporting violate Metro 2 standards, which require uniform and accurate data. 2. Erratic Reporting of Delinquency : The delinquency record varies significantly. Experian marks Charge Off ( CO ) and lists various late statuses, while XXXX reports None for the worst delinquency. Such inconsistent data fails to meet the accuracy requirements set by Metro 2 standards, compromising the integrity of this accounts reporting. 3. Discrepant 2-Year Payment History : The 2-year payment history is riddled with inconsistencies. Experian records 60-day and 90-day late payments, followed by a Charge Off status, whereas XXXX and XXXX have missing or Not Reported ( NR ) entries. This inconsistency in data reporting is non-compliant and should result in deletion if the data can not be aligned across bureaus. 4. Conflicting Last Updated Dates : The last updated date is inconsistent, with XXXX showing XX/XX/year> and Experian listing XX/XX/year>. This discrepancy further highlights the lack of uniformity and adherence to Metro 2 standards for reporting.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report
Consumer complaint received 2023-10-19
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. (PA)

Remove this account listed below in accordance with FCRA 1681b ( a ) ( 2 ). 


XXXX - # XXXX Additionally, Title 15 U.S.C 1681 Section 602 states I have a right to privacy.

.

Title 15 U.S.C. Section 604 states a consumer reporting agency can not furnish an account Without my written instructions.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-11-10
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. (CA)

In accordance with The Fair Credit Reporting Act, This account : XXXX XXXX XXXX # XXXX {$720.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-10-19
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)

On XXXX XXXX I received a copy of my credit report and noticed several discrepancies on my credit report being reported as hard inquiries. I do not notice these accounts and never applied for them. I then reached out to Transunion, XXXX, and XXXX to let them know of the incorrect info they where reporting as well as to report that I do not own these accounts. An investigation was done and these accounts were verified and they even updated the personal information on these accounts from first being fraudulent information to now the correct information that does belong to me. How is that lawful? I mean to update an account with someones personal information after they had already told you the account didn't belong to them is wrong in so many ways. By doing research I found out how to submit a complaint through CFPB. However, after doing so these account where closed. Yet are still being reported on my credit report. I am in need of my report to be corrected so that I may be able to utilize my credit to move forward in life. Please help me!
Consumer complaint received 2023-10-19
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. (CA)

This company is reporting inaccurate and incomplete data to the major credit bureaus for years XXXX thru XXXX reflecting the date of first delinquency. The account is reported as opened as of XX/XX/XXXX and is still reflecting on my credit profile past 7 years in violation of FCRA. 

The credit bureaus are in violation of the FCRA by reflecting inaccurate and/ or incomplete data on my credit profile.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (OH)

I opened a credit builder account with Chime Bank. It's your typical secured credit card that you can add money at anytime and use it anytime and they report to the bureau. Well, they aren't helping anybody build any credit. In fact my credit score dropped XXXX points recently because of Chime Bank XXXX XXXX XXXX ) Whatever money you deposit becomes your credit limit according to every other financial institution except for Chime. They think that a balance is good with a checking account its also good for a credit card. All money added to your credit builder is reported as your balance. I added {$530.00} dollars to my card taking my utilization up to 165 % showing that I have a balance of {$530.00} on my Chime Secured Card. I've called and emailed and I get the same response every time. That " when a new card shows up on your report it always puts a ding on your score. '' It's a script and that's their response because they don't understand credit scores in the slightest. Closing the account would also look bad if I were able to. I can't because I have a balance of {$530.00}
Consumer complaint received 2023-10-19
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Can you take a look at this account it does not look correct. The dates when the account was charged off .Also my name and address is incorrect on XXXX and XXXX XXXX well as previous address are incorrect with some company for that I'm not apart of I had previously contacted them too let them know I had a debt consolidation company i was working with and they were apart of it and they automatically charged the account off and sold the account to an investment LLc.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Disputed XXXX XXXX XXXX on XXXX, disputed XXXX accounts. Asked for specific details to verify alleged debt. XXXX verified both accounts without providing the proper information requested by me. Account XXXX is inaccurate with original balance, past due balance and balance being inaccurate, therefore must be removed pursuant furnishing inaccurate, harmful data. Account XXXX has a past due balance, which is inaccurate reporting since it cant be past due on a collection account therefore I demand immidiate removal.
Consumer complaint received 2023-10-19
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. (FL)

I am definitely not satisfied with the way you verified these disputes. I'll be serious in dealing with these inaccuracies that you are reporting whi ch affects my score. My succeeding action would be filing complaint with the Attorney Generals Office if still these aren't fixed. You guys even sent me letter saying that these account are verified? You serious? How comethat you come-up saying that these accounts are verified yet there are no supportingdocuments that prove that these are accurate. I need you to perform a reinvestigation on these ambiguous accounts : XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$310.00} XXXX XXXX  XXXX Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$510.00} XXXX XXXX XXXX  Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$960.00} XXXX XXXX Late Payment {$14000.00} XXXX XXXXXXXX {$9000.00} XXXX XXXXXXXX {$4300.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXX  {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXXXXXX {$770.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXXXXXX {$34.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (IL)

In the term of XXXX card, " During each year of your Card Membership, you will receive XXXX Annual Free Night Reward from Hilton Honors. The Annual Free Night Reward will be issued in the form of a redeemable code and sent in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the Reward email within 8-14 weeks after your renewal month. " I have waited like XXXX weeks still not get my annual free night from Hilton Aspire card.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

My student loans have already been paid in full which is a billing error on Nelnet end. The payments that they are trying to make me pay is an error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which : ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. 

They are requiring XXXX XXXX  notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an XXXX  complaint will be filed pursuant to 17 CFR 240.15c1-2, IRS 3949a due to Fraud, and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax.