davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (MN)

To Whom It May Concern, This letter serves as an official and urgent demand for immediate correction of the blatant inaccuracies in my consumer credit report, which I lawfully obtained under the Fair Credit Reporting Act ( FCRA ). Your continued incompetence and failure to abide by the explicit legal standards outlined in the FCRA is not only unacceptable but also a direct violation of my rights as a consumer. The FCRA mandates, in no uncertain terms, that all information within a consumer credit report must be 100 % accurate, verifiable, complete, and timely. I will not tolerate anything less than full adherence to these legal obligations99.9 % accuracy or verification is not acceptable. I expect immediate proof that the information you have reported is in full compliance with federal law. Anything short of absolute accuracy and legality will result in further escalation, without hesitation. Listed below are the specific tradelines that are erroneous and defamatory. I expect not just a review, but an immediate correction of these items. Your failure to do so is a reckless disregard of your legal responsibilities and will not be taken lightly. 

XXXX XXXX XXXX XXXX  XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello and good day Experian, just want to let you know that the incorrect and false information you are reporting on my credit is already deleted by both XXXX and XXXX and are blocked from reporting, seeing this still appear on my credit is absolutely questionable it is stressing me out. This has been so frustrating as I have already communicated this so many times and a representative of yours that I have previously contacted says it'll be deleted yet I still see it.
Consumer complaint received 2024-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KS)

Midland Credit Management sent me a packet of papers saying I owe them almost {$1300.00}. I sent a dispute in response asking them for debt validation and a complete history of transactions ( including payments ) showing how the amount was accrued. The responded to my dispute with an exact copy of the what they sent the first time, which was one statement, no contract with the full account number, nor transaction history. The account number provided was redacted and incomplete. I responded to them to advise that the documents received did not contain what I had requested. There has been no other response. I did dispute the remark on my credit in XXXX in which I received notification on XX/XX/XXXX that there was no change in the debt. A few months they are attempting to sue me with three business days notice on XX/XX/XXXX. Notice received XX/XX/XXXX ( XX/XX/XXXX via door hanger on my door. The officer did ring the doorbell but I was at work in a call and was not able to respond. I later found the notice when I got off work that evening and went to get groceries, I found the notice on my front door. ) I called in sick the next day XX/XX/XXXX so I could call the sheriff and make arrangements for another delivery as per the door hanger received and to make sure I was available and didnt miss them again. I called the sheriff and they said they would come by. I called them at XXXX as the whole day had gone by and still no one came, I get off work at XXXX, it appears I respectfully took the day off for nothing. They finally came at XXXX on XX/XX/XXXX. This was three business days notice for court on XX/XX/XXXX @ XXXX which is unreasonable. This was not enough time for me to prepare myself nor request XXXX per company policy so I called in sick to use sick time to cover for my absence financially and politically due to such short notice. Midland failed to report the debt as disputed, ( since I personally disputed them via postal mail ) when they reported it to my credit, nowhere did I agree to any debt after they sent me two copies of the exact same paperwork. We have not had any phone conversations either. They should have stopped their collection efforts since they know I havent signed any contracts with them and they are not able to furnish transaction history of an account that never existed with them, but they still reported it to my credit and is in process of suing me. All of this has been a major inconvenience and calling in to work twice within one week without approval can cause an accrual of negative points at work. I lost my second job unexpectedly as the company closed down and so my Dayjob is very important to the wellbeing of my children including my son with XXXX. Midland is not acting in good faith nor have they respected my rights as a consumer to furnish the debt validation I have requested.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. Please delete the following accounts : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-11-13
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

In XXXX  I was a victim of XXXX fraud, some of my funds I did receive then my funds stopped. That was due to fraud, I verified my information with XXXX and XXXX confirmed that I was a victim of fraud. XXXX released my fund but Bank of America is telling me I or someone in my household used my funds. My card is still in my possession my Husband & daughter was the only people I allowed to use my card. But due to the fraud on my account my fund never got to my card. The fraud happened before the money was put on the card & Bank of America keeps denying my claim.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX-Date Account Reported : XXXX 's Date Opened : XX/XX/2021 -- XXXX Account Condition : Closed -- Paid -- Account 's Closed Date : XX/XX/2021 -- -- XXXX XXXX : Closed -- Paid Account Dispute Status : Account not disputed -- Account not disputed-Account Status : Closed -- Open Account Status Information : Closed -- Paid Account Rating : Closed -- Paid Payment Status : Current -- Current I never obtained this account and also how can a person obtain an account on two different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is one of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXXDate Account Reported : XXXX 's Date Opened : XX/XX/2021 -- XXXX Account Condition : Closed -- Paid -- Account 's Closed Date : XX/XX/2021 -- -- XXXX XXXX : Closed -- Paid Account Dispute Status : Account not disputed -- Account not disputed-Account Status : Closed -- Open Account Status Information : Closed -- Paid Account Rating : Closed -- Paid Payment Status : Current -- Current I never obtained this account and also how can a person obtain an account on XXXX different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is XXXX of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (CO)

I have written 4 letters certified to remove inquiries and still some exist 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
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I am writing to address the events that occurred following the theft of my cell phone on XX/XX/2023. On XX/XX/2023, two unauthorized transactions were made from my Chase XXXX Checking account, one for {$900.00} and the other for {$800.00}. In response, on XX/XX/XXXX, I went to a Chase branch to begin the process of filing a claim. 

Unfortunately, my initial claim was denied without clear or adequate reasoning. Following this denial, I returned to the Chase branch on XX/XX/XXXX, as instructed, to have my claim reevaluated. Despite assurances to the contrary, no reinvestigation had taken place. 

On XX/XX/XXXX, I received false information during a follow-up call to inquire about the reassured reinvestigation. The Chase representative in who handled the case, XXXX, initially claimed that the funds were withdrawn from an XXXX XXXX, which I have never owned. When pressed for more information, she denied knowledge of the device used, despite my owning an XXXX XXXX XXXX XXXX ( which was stolen ) and an XXXX XXXX. 

These instances of misinformation and refusal to provide identifying details limited the investigation and resolution process significantly. 

Unauthorized transactions conducted via the Chase banking app, particularly via XXXX, using an XXXX XXXX XXXX XXXX, the phone stolen on XX/XX/2023, provided the perpetrator with access to conduct these unauthorized transactions. 

None of the transactions were verified or authorized using standard methods of communication such as text messages, notifications, or any other formal means. In order to resolve this matter, I diligently provided all requested documentation, including police reports, activity logs, and email records. 

The lack of transparency, misrepresentation of facts, and failure to conduct a thorough investigation have all diminished my confidence in Chase 's security measures and claims resolution process. Despite my best efforts to resolve this internally, I believe it is necessary to escalate the situation and file a formal complaint. 

I respectfully request a thorough investigation and appropriate action to address this concerning and unacceptable situation. Your time and effort in this matter are greatly appreciated.
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

According to 15 USC 1681 Congressional findings and statement of purpose ( a ) ( 1 ), it is evident that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports can directly impair the efficiency of the banking system, while unfair credit reporting methods erode public confidence, which is fundamental to the continued functioning of the banking system. In light of this, I believe it is crucial to bring to your attention the creditor 's actions that have compromised the integrity of the credit reporting system. 

Additionally, under 15 USC 1666b Timing of payments, ( a ), creditors are obligated to adhere to specific timelines when it comes to credit card account payments. They may not treat a payment as late for any purpose unless they have established reasonable procedures to ensure that consumers receive periodic statements, including the information required by section 1637 ( b ) of the FCRA, no later than 21 days before the payment due date. If the creditor in question has failed to uphold these obligations, it represents a violation of my rights and the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to address the creditor 's unfair practices. I believe that this investigation is necessary to protect my rights and the rights of other consumers who may have been similarly affected by these practices.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to file this please as my formal complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (IN)

I set up a payment plan, to begin paying this debt down, in late XXXX so that payments could start on XX/XX/2023. I set up the payment plan giving my debit card information for the funds to be deducted from my checking account. In speaking with XXXX on XX/XX/2023, he confirmed that payments were set up to come out of my checking account. On XX/XX/2023, Bull City Financial Solutions attempted to withdraw {$50.00} from my savings account. This transaction was denied. Bull City Financial Solutions then charged me a {$20.00} NSF fee because the transaction on XX/XX/2023 did not go through. On XX/XX/2023, I spoke to a Bull City Financial Solutions agent by the name of XXXX. I explained to XXXX the NSF fee and he informed me to email, Bill City Financial Solutions Help Desk for Client Services, a screen shot of my bank statement that shows the {$20.00} NSF fee being deducted from my banking account if I wanted to be reimbursed. I sent an email to Client Services on the same day with a screenshot of my XXXX bank statement that shoes the {$20.00} NSF fee. I never received a call from Bill City Financial Solutions to address the matter at hand. I didn't find out that the reimbursement request for the NSF fee was denied until XX/XX/2023.
Consumer complaint received 2024-09-17
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. (GA)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-17
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. (GA)

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. 

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 and list of Inquiries. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I received a letter regarding a security breach with XXXX XXXX and was given an Experian code to use for Experian Identity Works. 
I created the login, received text and email verifications but could not get into the account. Can not get a reset email. And can not get them on the phone, with any of the numbers provided. 
Experian is more of a threat to my financial security than a thief.
Consumer complaint received 2024-09-17
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. (GA)

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. 

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 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 and list of Inquiries. 

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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.