davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have multiple Inquiries on my credit report ( Transunion, XXXX, XXXX ), without my permission and Pursuant to 15 USC 1681n I am entitled {$1000.00} for each inquiry per 15 USC 1681n.

15 USC 1681N ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

( Pub. L. 90321, title VI, 616, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 ; amended Pub. L. 104208, div. A, title II, 2412 ( a ) ( c ), ( e ) ( 1 ), Sept. 30, 1996, 110 Stat. 3009446 ; Pub. L. 110241, 3 ( a ), June 3, 2008, 122 Stat. 1566. )
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

after requesting disputes with merchants, specifically a company called XXXX. Which performed an oil change incorrectly and overfilled the oil on my engine, causing damage and more money to be repaired at the XXXX XXXX XXXX in XXXXXXXX XXXX XXXX  during a road trip. I went to XXXX after two document the mishandling of my vehicles oil service And it clearly indicated that it was overfilled by an extra quart. Chase sided with the merchant because service was authorized regardless of my dissatisfaction and the overall unsafe practices by the Service Center, XXXX. I reached out to XXXX. They never responded hence why I decided to dispute the service charge. Chase decided to close my account based on a pattern of abuse and this was from their fraud department.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management is furnishing an account on my credit report that has not been validated by the original creditor. Furthermore, this debt is uncollectable, and this account is to be removed from my credit report within XXXX business days. The statute of limitations in the state of Texas is 4 years and should have been ceased as of XX/XX/year>. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice.
Consumer complaint received 2024-06-12
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. (GA)

Experian, XXXX, & XXXX XXXX XXXX continue to report an allege debt that does not belong to me. I previously disputed this information and it was verified but no evidence was given for me to inspect to verify that a reasonable investigation was done to determine that I have an obligation under federal law to pay this debt. I did not receive any notice of my rights to dispute this debt before it was added to my consumer report and transfer and assignment of an instrument does not XXXX you collection rights. If your policies and procedures override federal law provide me with the documents used to determine you do not have follow federal guidelines.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I discovered several inaccuracies on my credit report from XXXX, which have significantly impacted my credit score and financial health. These errors need to be rectified immediately to prevent further damage. Here are the details of the disputed items : XXXX. XXXX XXXX Credit Card Account ( Opened on XX/XX/XXXX ) : The account shows a series of late payments, which are incorrect. Payments were made on time, but due to administrative errors, they were reported late. Despite multiple attempts to contact XXXX XXXX to correct this, the errors persist. 
XXXX. XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is incorrectly reported as in collection. I have never had an account with XXXX XXXX XXXX, and this appears to be a case of mistaken identity or fraudulent activity. 
XXXX. XXXX XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is reported in error as in collection. I have never opened an account with XXXX XXXX XXXX XXXX, indicating potential identity theft or clerical error. 
4. Public Record - Bankruptcy ( Reported on XX/XX/XXXX ) : The public record for bankruptcy is inaccurately reported on my credit report. I have a letter from the court stating that they do not report bankruptcies to credit bureaus. 

These inaccuracies have had a profound negative effect on my financial health, including my ability to secure loans and other credit. Given the severity of the impact, I am requesting an immediate and comprehensive review and removal of these erroneous entries from my credit report within XXXX hours.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (DC)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency in the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

The practices of Bank of America in regards to how they assess interest on my card is ABUSIVE DECEPTIVE AND UNCONSCIONABLE. I have owned this card for over XXXX years, and their practices have differed recently from those that I agreed to when I first opened the account. According to my original terms, We will not charge you any interest on purchases if you pay your entire balance by the due date each month. But this is not what they are doing in practice. I recently experienced interest fee charge despite the fact that I paid my entire balance by the due date. When I called the representative to inquire about the interest charge, she was nasty and extremely rude to say the least. Wouldnt let me talk or ask any questions. She wouldnt offer any assistance and told me to figure it out on my own because BOA doesnt explain how it calculates interest. And when I simply said why Id see interest charge at all when I paid off my entire statement balance, she very rudely stated that its the banks practice to look to prior months remaining unpaid balances as well as the current month balance. Its astonishing that is the response I would receive. I asked her to submit claim for my interest charges because they were incorrect, but she was arguing with me and did not want to submit my claim. So I have no reasonable understanding of my interest charges, and again am demanding they be all refunded for XXXX and XXXX. This practice is extremely unfair to aggregate prior history into a current statement balance and since this is NOT a term I ever agreed to, its not something BoA can charge me. I want all interest refunded. Discuss XXXX XXXX or external counsel XXXX if needed but in sure theyd agree this is ripe for class action litigation.
Consumer complaint received 2024-06-12
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX  : # XXXX 15 U.S.C 1681 section 602 A. States : I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

This account was reporting that it was paid off and never late, than it was sold to XXXX, XXXX  XXXX. I disputed the account with The CFPB, and was sent a response on this site that it would be removed and not reported again. Today I got alerts stating that XXXX XXXX, reported this account as a late pay write off. 
This company is breaking the law. Supporting documents attached
Consumer complaint received 2024-06-12
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. (GA)

Experian & XXXX XXXX XXXX continue to violate my consumer rights by reporting this account even though I have no obligation under federal law to pay this debt. Since this deals with securities its a federal matter and no court has ordered me to pay this debt and the instrument that is being held was transferred and assigned but perfection of the security interest was never registered therefore no valid lawful claim exist.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (AR)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Compliance Department XXXX XXXX XXXX [ Addresses of XXXX, XXXX, and XXXX ] Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with CREDIT COLLECTION SERVICES, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ). 
Name on Credit Report : XXXX XXXX Account Number : XXXX Date of Report : XX/XX/year> I have reviewed my credit report from [ XXXX ] and found inaccurate information regarding my account with CREDIT COLLECTION SERVICES. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within XXXX  days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH ACCOUNTS WERE REPORTED AS ID THEFT XXXX XXXX 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XXXX XXXX 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-06-24
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. (LA)

15 USC 1681s-2 filed regarding personal information with Equifax, and Equifax has failed to appropriately respond to correcting the personal information. Equifax continues reporting a non-affiliated phone number ( s ) in the Fraud Alert section of my report. Equifax has failed to update the phone number, address, and correct spelling of my name despite submitting the appropriate documentation for identification, and proof with the FTC report. The request concerning the address, phone number, Fraud Alert phone number, and Name has been filed along with a police report, and FTC Affidavit in XX/XX/year>, with the recent request going unanswered by EQUIFAX, who continues reporting inaccuracies, errors, and fraudulent information.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-12
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. (MO)

XXXX XXXX  Acct XXXX XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-24
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: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.