davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX  specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within XXXX  business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

XXXX XXXX XXXX NCB Management Service XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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: CarMax, Inc. (PA)

I am writing to formally report an issue I encountered while applying for a car loan through CarMax. With out my consent, they ran my credit through multiple companies. I spoke with a representative who assured me that this was acceptable and that all inquiries would be consolidated into one once I finalized the vehicle purchase.

However, I have noticed that my credit report still reflects an excessive number of hard inquiries, which is negatively impacting my credit score. I believe this contradicts the information provided to me by CarMaxs representative.

I would appreciate your assistance in addressing this matter, as I was misled regarding the consolidation of inquiries. Thank you for your attention to this issue.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year>
Consumer complaint received 2023-03-24
Product: Credit card or prepaid 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. (MD)

My wife and I booked round-trip flights on XXXX XXXX using the Chase Travel Rewards portal ( {$600.00} ) in XX/XX/XXXX, which is associated with our Chase Sapphire Preferred credit card. We later purchased seat selections ( {$110.00} ) and bags ( {$220.00} ) directly from XXXX XXXX on our existing reservation. The flights were on XX/XX/XXXX from XXXX -- XXXX and XXXX from XXXX -- XXXX. On the morning of XXXX, my wife received an email notifying her that our reservation had been cancelled with no explanation given. We did not initiate this cancellation. Since XXXX XXXX does not have a customer service number, we went to the XXXX XXXX desk at XXXXXXXX XXXX on XX/XX/XXXX to find out why our reservation was cancelled. They claimed that if we did not cancel the reservation, that Chase Travel ( our third-party booking agent ) must have. We talked with a representative of Chase Travel Rewards who stated that Chase did not initiate the reservation cancellation. At that point, the XXXX representative gave me a card with a weblink to XXXX general refund dispute department. Because of difficulties communicating with XXXX XXXX, my wife and I chose to dispute the three charges associated with this airline reservation through Chase, as these purchases were made on our Chase Sapphire Preferred credit card. 

These claims were submitted under Claim XXXX. When submitting this dispute, I selected that the merchant did not tender services. Somehow, Chase changed our dispute type to stating that the cardholder initiated the reservation cancellation, which is incorrect. Because these charges were disputed incorrectly, two of three charges in our dispute ( for {$220.00} and {$110.00} ) concluded with the decision that the charges were valid and that we would not be receiving a refund. The third ( for {$600.00} ) is still pending but the dispute type for that charge was also changed to cardholder initiated cancellation. I have submitted a written request to Chase to re-dispute these charges for reason of merchant not tendering services. However, I am not confident that they will handle this correctly since they did not get it right the first time. 

I have uploaded two documents. The one entitled " Chase Dispute Resolution '' shows the dispute decision dated XXXX for two of the three charges ( for {$220.00} and {$110.00} ) and XXXX XXXX responses. It should be noted that pages 3 and 6 of this document show the details of the cancellation. The Agent is listed as " XXXX '', which leads me to believe that either a glitch in XXXXXXXX XXXX IT system or a nefarious user may have caused the reservation cancellation to occur. The second document entitled " Chase Dispute Resubmission Request '' is the letter I sent to Chase on XXXX  asking for the disputes to be re-opened for reason of merchant not tendering services.
Consumer complaint received 2024-09-26
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)

My account with TransUnion 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 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.

TransUnion 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 2024-10-15
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: Early Warning Services, LLC (GA)

Subject : Statement Regarding Identity Theft and Early Warning ServiceTo Whom It May Concern, I am writing to formally address a grave matter concerning identity theft that has severely impacted my financial well-being, specifically related to accounts at XXXX XXXX  and XXXX XXXX . I believe that the Early Warning Service has a role in this issue, and I am seeking your assistance in resolving it.The following accounts have been fraudulently opened in my name : XXXX XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX, XXXX  did not authorize the creation of these accounts, and I have serious concerns regarding the security of my personal information. The recent account opened at XXXX XXXX  on XX/XX/year>, is particularly alarming, as it indicates ongoing fraudulent activities that need immediate attention.Despite my efforts to resolve this issue with the banks involved, I feel that the situation requires further intervention. I urge the CFPB to investigate the practices of Early Warning Service and its role in preventing identity theft and protecting consumers like myself. It is critical that institutions take stronger measures to verify identities before allowing new accounts to be opened.I kindly request that you acknowledge receipt of this statement and inform me of any actions the CFPB plans to take to address my concerns. I am prepared to provide any further information or documentation needed to assist in this investigation.Thank you for your attention to this serious matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETE ASAP XXXX XXXX XXXX -PORTFOLIO XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I have Citi access account ending in XXXX which was opened with a promotion which states that have a direct deposit of {$1500.00} or more in first 90 days and once that is done, you will get {$300.00} cash back. 
My direct deposit of {$1500.00} happened on XXXX XX/XX/scrub>XXXX XXXX  but no {$300.00} even after 30 days. 
Chatted with XXXX on XXXX XX/XX/year> during XXXXXXXX XXXX XXXX but no clear answers
Consumer complaint received 2024-09-04
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a statement that my payment history was inconsistent with the credit bureaus. My lease with XXXX XXXX was paid in full and satisfied on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, I received a letter from XXXX stating that I had been charged {$420.00} for an unknown amount. After contacting XXXX, XXXX of their representatives stated, " The payment is for some type of state taxesXXXX XXXX The representative went on to say the credit bureau XXXX was erroneous. I informed the representative that my spouse was exempt from taxes related to XXXX XXXX XXXX. I want to add that I was leasing another vehicle from XXXX and remain in good standing. Fast forward to XX/XX/XXXX, the credit bureau entered XXXX plus late payments and a missed payment to my account related to the leased vehicle, which was paid in full and satisfied on XX/XX/XXXX. On XX/XX/XXXX, I leased another car from XXXX XXXX. This is very concerning and unfair to me as a consumer. These occurrences have had a substantial impact on my family 's well-being. I have requested that my payment history be printed out.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information on my credit report must be accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my file. 
Specifically, the inaccuracies include : 1. Account Number : The account number differs from what is reported on TransUnion.

2. Date Last Active : The date last active is inconsistent.

3. Date of Last Payment : The date of last payment is incorrect.

4. Last Reported : The last reported date is inaccurate.

5. Payment Status : The payment status is incorrectly reported.

6. High Credit : The high credit amount is inaccurate.

7. Date Opened : The date opened is inconsistent.

I request a thorough investigation and correction of all erroneous information. I expect written confirmation of the resolution within 30-45 days. 
Please be aware that if my request is not addressed within the stipulated time, I am prepared to seek legal action. Under FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-23
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (AL)

I recently visited a local bank to open a checking account, but was recently denied because from their words I have a report of identity theft on my credit that I don't know about. I did my research from all three credit bureaus but none were successful at finding where this problem arose from. I do know that in XXXX of XXXX, American Express had closed my savings account due to " security reasons '' and there was no way for them to verify my identity and solve the issue. I still had money in my account and they never explained why they could not send a check in the mail for my money. That whole thing was never resolved til this day and they may be the reason why I have been denied of all bank accounts I've tried to open these past years.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports