davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (GA)

On checking my credit report, I have been working with XXXX XXXX XXXX XXXX ( XXXX-Acct XXXX ) on paying off the debt since XX/XX/XXXX. I enrolled a total of 13 accounts with ( FLLG ). Accounts enrolled : XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed XX/XX/XXXX ), XXXX XXXX XXXX ( Paid as Agreed XX/XX/XXXX ), XXXX XXXX  ( Paid as Agreed XX/XX/XXXX ), XXXX ( Paid as Agreed XX/XX/XXXX ), XXXX XXXX XXXX  for {$820.00}, XXXX XXXX for {$370.00}, XXXX XXXX XXXX for {$1200.00}, XXXX XXXX  for {$430.00}, XXXX XXXX XXXX  for {$620.00}, XXXX XXXX XXXX for {$570.00}, XXXX XXXX XXXX for {$560.00}, XXXX XXXX XXXX for {$500.00} & XXXX XXXX XXXX for {$1500.00}. I noticed that the same accounts in which the companies were notified ( XXXX XXXX XXXX ( XXXX ) ( on XXXX ) XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX ( on XXXX only XXXX that I turned into ( XXXX ) to be paid is still on all three of my reports as collections. I have alerted the different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I even gave the companies the phone number to call. I pay ( XXXX ) every two weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying ( XXXX ) and then paying the collections companies too and they clearly have all of these accounts. Another problem is when the accounts are paid off how they are listed as being paid off on the credit reports. If I have XXXX paying these accounts off, why are they not listed as Paid as Agreed with a zero balance? If the accounts were settled through a company that I am paying, and they are being paid on time and as agreed with zero balance then why does it not state that on my credit report?
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MD)

On XXXX XXXX i called to complain about a accident reported as XXXX, and the police report states not at fault. I have attached my proof.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Your agency placed an unauthorized collection on my credit file without required notice. I dispute this debt and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). You must cease all collection activity until you provide complete validation.
Consumer complaint received 2024-08-23
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  - XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have Bankruptcy reporting on my credit that does not belong to me and is not attached under my name and ssn, I would like them deleted from my credit profile immediately due to my rights fcra. I will include documents
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2024-10-04
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: EQUIFAX, INC. (GA)

I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX being charged from XXXX XXXX XXXXXXXX for XXXX $ on XX/XX/year>. 

Another company is charging r me XXXX $ on XX/XX/year>. I have no knowledge of this. It have authorized or consented to this.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) for unlawfully offsetting funds from my checking account ( account number : XXXX ) on XX/XX/2024. 

On that date, NFCU withdrew {$590.00} from my checking account to cover an outstanding balance on my credit card ( account number : XXXX ) without any prior authorization or notification. This action violates consumer protection laws, specifically the Fair Credit Billing Act ( FCBA ) and relevant sections of the Truth in Lending Act ( TILA ), which prohibit financial institutions from automatically seizing funds from a consumers deposit account to satisfy credit card debt without express or explicit permission. Additionally, Regulation Z, which implements TILA, underscores consumer protections against unauthorized debits from deposit accounts for credit obligations. This practice also appears to contravene the Consumer Financial Protection Act ( CFPA ), which empowers the CFPB to take enforcement action against unfair, deceptive, or abusive financial practices. 

Timeline of Events : XX/XX/2024 : Funds were deposited into my NFCU checking account XXXX XXXX  ) and immediately seized the same day by NFCU, without notification or authorization, to cover a credit card balance. This withdrawal was conducted before the credit card payment status had even completed processing. 
This unauthorized withdrawal has significantly impacted my ability to meet essential expenses, as I am currently unemployed and was relying on these funds to meet necessities. 
I have attached the following documents as evidence to support my claim : 1 ) Email notification confirming the deposited funds into my NFCU checking account.

2 ) Documentation of the subsequent payment NFCU made to the credit card account. 

I respectfully request that the CFPB investigate this matter and take appropriate action to compel NFCU to return the unlawfully offset funds to my checking account. Given the unauthorized nature of this offset, I request a full review of NFCUs policies on account offsets and their compliance with consumer protection laws. 

Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-16
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: United Revenue Corporation (TX)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On almost every occasion that I fly and use United  ( and this is in multiple airports, including XXXX XXXX and XXXX on multiple occasions in each place ), United has a sign that one-time pass holders are not able to enter their lounges. I receive 2 one-time passes a year from United because I have their Mileage Plus Explorer card, which I pay an annual fee for. Part of the reason I signed up for the credit card and agreed to pay the annual fee is because of the value of the lounge passes. However, almost every year since Ive had the card, Ive never even been able to use the passes because United wont let me into the lounge. Theres no advance notice or way to tell if a lounge is going to accept one-time passes other than physically walking to the lounge and seeing the sign. This is total misrepresentation of the value of the card because I would not have signed up for a card with an annual fee if the lounge passes hadnt been a perk. They are a perk in name only because they are virtually unusable. 

The feedback button on the United app is also broken. I tried to submit feedback that way but there was no functionality.
Consumer complaint received 2024-10-31
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: JPMORGAN CHASE & CO. (MD)

Date : XXXX XXXX, 2024 Subject : Dispute of Inaccurate Information on Account Account Numbers : XXXX, XXXX, XXXX Dear Customer Service Team, I am writing to dispute the accuracy of information reported to XXXX XXXX XXXX XXXX XXXX concerning multiple closed accounts associated with JP Morgan Chase. This information has been disclosed without my explicit consent, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 
Legal Basis for Dispute and Privacy Violation Claims Under 15 U.S.C. 1681, I am entitled to both accurate and verified information reporting as well as control over the disclosure of my financial information. Additionally, I am protected against unauthorized sharing of my personal data without explicit consent, as per Section 604 ( a ) ( 2 ), which limits the sharing of personal financial information.
Consumer complaint received 2024-10-04
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. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-30
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: Exeter Finance, LLC. (TX)

I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile and are a reflection of the same debt. I am concerned that this information was not verified because two different accounts can not be reporting in reflection of the same debt. Because of this error it is lowering my credit score, I am unable to get any loans at this time and my interest rates are through the roof. Exeter Finance XXXX XXXX XXXX. Exeter Finance is reflecting as a CLOSED/CHARGEDOFF account on all 3 credit bureau and reporting negatively on my credit report. These accounts should not be reporting if the debt has been closed/charged off.
Consumer complaint received 2024-10-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (MN)

I am a victim of identity theft and someone applied for and got approved for a Best Egg personal loan using my name and personal information. I have never applied for a Best Egg personal due to me being XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

The company portfolio recovery, bought an account that was closed on my credit, the account was opened by the original creditor, in XXXX, it was scheduled to fall off my credit report, it was closed, portfolio recovery some how added it to my credit report profile, as if I opened the account in XXXX, this is false. The original credit account was taken off my account. I have had no contact with this company concerning this account, Im not sure how they were able to get my information. They original account was with XXXX XXXXXXXX, now its on my credit report as portfolio recovery is the original creditor. This is false.
Consumer complaint received 2024-10-30
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: AMERICAN EXPRESS COMPANY (FL)

Complaint Regarding Unauthorized Recurring Subscription Charge by XXXX XXXX To the Consumer Financial Protection Bureau, I am filing this complaint regarding a recurring subscription charge from XXXX XXXX that I attempted to cancel before the latest billing cycle. I have disputed this charge with American Express. I attempted to cancel my subscription both online and via phone prior to this renewal date ; however, XXXX XXXX continued to charge my account. 

One significant issue is that XXXXXXXX XXXX provides no receipt or confirmation for attempted cancellations, leaving customers without any verifiable proof of these attempts. In my case, their supporting documentation only states that I did not cancel, without providing actual evidence to support their claim. This lack of documentation severely limits customers ability to contest unauthorized charges.

Since my last use of the product was on XX/XX/XXXX, and my login on XX/XX/XXXX was solely to check account status after noticing the charge, I request an investigation into XXXX XXXX billing practices and a refund of the unauthorized charge. I am hopeful that CFPB can address the lack of transparency in XXXX XXXX cancellation process and prevent other consumers from facing similar issues. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MI)

I had a balance of {$170.00} dollars as of XX/XX/year>, I made a payment to a {$0.00} balance with the agreement to waive a {$37.00} late fee. The agent forgot to waive the fee as agreed which resulted in reoccurring late fees eventually being sent to collections from late fees multiplying. My other store sards closed due to this error. When I called, they reported it as a {$0.00} balance on my credit report as of XX/XX/year> closed but never back dated the original {$0.00} balance nor should my account have been sent to collections and closed
Consumer complaint received 2024-10-04
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)

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. '' A fair outcome would be for these accounts to be updated without late payment notes on my credit file.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.