davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (AL)

I am filing this complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ). I previously disputed the following items on my credit report with Experian because I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ) . My FTC report reference number is XXXX. Despite this, the disputed accounts remain on my credit report.
Consumer complaint received 2024-10-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AZ)

In XX/XX/XXXX, I spoke directly with the property XXXX XXXX XXXX claiming that I owe them move out costs. After speaking with a handful of employees including the property manager, I learned that they were attempting to charge me for fees that they initially were waiving during my application. Upon canceling my application in less than 24 hours, due to discovering that many of their tenants are extremely unhappy with the company, staff, and property, specifically stating that they are criminal in their practices and try to take advantage at every chance. I received a bill with fees detailed as move out costs.

When I asked for an explanation of how they can charge me move out costs for an apartment I never entered, I was directed to a legal document stating they have the right to retain any payments received. I tried clarifying with the property manager that by definition retain means they already have the money and have the right to keep it. Not that they can say its free to apply and there are no strings attached, which is why I did it without significant research, then charge after I quickly revoke my application. I spoke with their billing department on XX/XX/XXXX and they told me that the property manager can cancel the charge, when I tried to relay the information to the property manager, I was responded to with hostile tone and eventually, I stopped getting a response from the property manager. 

I later received a notification from I.Q. Data International on XX/XX/XXXX with directions on how to dispute the claim and by which date. I used there form attached to the mailer and sent my dispute on XX/XX/XXXX. The initial letter said that if disputed before the date provided they would stop collections but they didnt. I had also asked for more information on how/why I allegedly owe this debt, but received no supporting documents or response. Shortly after my dispute, I saw the debt had already gone to collection and was reflected on my credit report. On XX/XX/XXXX I attempted to contact I.Q. Data International again, but have still received no response and the debt collection has not ceased to exist on my credit report.
Consumer complaint received 2024-09-18
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. (NY)

Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with Subject : Urgent Assistance Needed : Violation of Consumer Rights under Section 807 of the FDCPA Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of my accounts with XXXX  XXXX XXXX XXXX XXXX XXXX Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt attention to this matter. 


Despite my repeated disputes, the furnishers continue to assert that these accounts meet the Fair Credit Reporting Act ( FCRA ) standards, which they clearly do not. 

Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt12 The furnishers actions are in direct violation of this section as they have failed to accurately report the status of my accounts, thereby misleading the credit reporting agencies and causing significant harm to my creditworthiness. 

I am in urgent need of your assistance as these inaccuracies are severely impacting my financial stability. The furnishers refusal to correct these errors is a blatant violation of my consumer rights under the FCRA. 

I respectfully request that the CFPB intervene to ensure that these furnishers comply with the legal standards and correct the misinformation on my credit report. 


Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with EQUIFAX XXXX XXXX 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 ( 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. 


EQUIFAX 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
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am seeking your help to address the incorrect account that is affecting my credit report. I bring this up because it has caused harm to my reputation, and your assistance is needed. The errors in my credit report management have led to my reputation being destroyed. It is imperative that you remove these false entries from my credit record.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PR)

m writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirires that I did not request for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/year> I was charged {$1500.00} by XXXX XXXX XXXX 2 times. I did not authorize ANY of these transactions. 1 transaction dropped off but I was charged the second one. I filed a claim with Bank of America and they are refusing to return my money. These were my XXXX payments from the State of California, I would never authorize such a transaction. Claim number : XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My account with CONSUMER PORTFOLIO SVC was never late! I have had exceptional payment history witH capital one 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 those account 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 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 2024-11-01
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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-02
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. (CA)

Dear Experian, I am requesting the removal of several accounts from my credit report that were opened fraudulently using my personal information. These accounts were not authorized by me and are a result of XXXX XXXX. 

Attached are copies of the FTC XXXX XXXX  affidavit and other supporting documents verifying the fraudulent nature of these accounts. Please investigate and remove these accounts from my credit report at your earliest convenience pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Accounts opened due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send me an updated report reflecting these changes. 

Thanks
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

My accounts 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/updated. 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. 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!
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (GA)

PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX  XXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : XXXX I have successfully conducted a move-out inspection with XXXX XXXX representative for the apartment location at XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management XXXX 
XXXX XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. 
Accordingly, I was not able to contact XXXX management within XXXX days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. 
In addition, XXXX payment portal Apartment Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from Apartment Assistant. 
XXXX XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 
XXXX XXXXstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 
XXXX I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX XXXX monies. 
Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, at XXXX XXXX, I woke up to a text message from Chase sent at XXXX XXXX, informing me that my account had successfully logged into a device and updated the password. I immediately checked my account and discovered that all my Chase Ultimate Rewards points had been redeemed without my authorization. Specifically, XXXX points were transferred from my Sapphire Preferred card to XXXX XXXX XXXX XXXX, XXXX points were transferred to my XXXX XXXX XXXX, and XXXX points were redeemed for {$500.00} cash. 

Additionally, I noticed an unfamiliar device listed in my account via the mobile app, which I promptly removed. I then changed my password and contacted Chase customer service to report the unauthorized activity. Chase confirmed that my Ultimate Rewards points had been stolen and assured me they would restore the points. They quickly canceled the {$500.00} cash redemption and returned XXXX points to my account. Chase also assisted me in updating my username and password, sent new Sapphire Preferred and XXXX XXXX XXXX  via express mail, and promised to restore the remaining XXXX points within 7-21 days. 

On XX/XX/XXXX ( day 15 ), I followed up with Chase regarding the restoration of the points, and they informed me that the process would take the full 21 days. However, on XX/XX/XXXX ( day 22 ), I received a letter from Chase dated XX/XX/XXXX, stating that they had decided not to return the stolen XXXX points.
Consumer complaint received 2023-07-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.