davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Subject : Dispute of Inaccurate Information on LexisNexis, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexis, XXXX, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by LexisNexis, XXXX, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and XXXX report. Specifically, I ask that : XXXX. LexisNexis, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. LexisNexis, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-27
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: TRANSWORLD SYSTEMS INC (VA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (SC)

To Whom It May Concern, I, XXXX XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below.

Nothing from your company is matching my reports the credit bureaus have on my consumer report. Last updated date doesnt match, payment status is not the same across the bureaus, theres no data being reported for transunion but yet its still a charge off and showing a negative status with no information to back it up. Balance isnt being reported with XXXX. XXXX doesnt have a 30 day late payment but has 60 days and over late reported. Cant be 60 days late without being 30 days late and it shows that I havent been 30 days late with XXXX. Im seeing multiple violations on this one account being report on my consumer profile. 

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report Best Regards, XXXX XXXX
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

A few months ago, I examined my credit report and discovered inaccuracies regarding the account CCB/XXXX ( XXXX ). This is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditor, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Code 1666b This code establishes that a creditor may not treat a payment as late on an open-end consumer credit plan account unless the creditor has adopted reasonable procedures to ensure that each periodic statement that includes the information required by section 1637 ( b ) of this title is mailed or delivered to the obligor no later than 14 days after the close of each billing cycle.
Consumer complaint received 2024-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

My mother attempted to send me a large sum of money via wire transfer via her bank ( XXXXXXXX XXXX XXXXXXXX XXXX ) to my Chase Bank checking account on the morning of XX/XX/year>. When she sent me a copy of the receipt, I noticed the bank employee at her bank typed my Chase checking account number by one digit. I immediately told Chase and my mother 's bank via phone call. The banks, but especially Chase, have seemed largely unconcerned with the high level of stress this has caused me ( the customer ), my elderly mother, and my family, who needs these funds. I have called Chase repeatedly and never get even an idea of how fast this can be undone. Even the person with the live Chase account who received these funds has been unable to get this reversed quickly, as he noticed the big mistake and has vowed not to spend it. I am beyond frustrated with Chase because the initial recall went out the same day of the transfer ( XX/XX/XXXX ) and her bank even had to do a second recall this week ( perhaps on XX/XX/XXXX or so ) with no response. My mother still does not have the funds back in her account, which is what we want. One man at Chase assured me it would be sent back in 3-5 days but others at Chase say they don't know and that no one should have said that. I don't know who to believe at Chase. Overall, very cruel and insensitive to our family 's situation. We may have to take out a loan to cover her college fees because Chase doesn't give us any response as to the status, always citing confidentiality. I keep saying I don't need anyone 's confidential info, I just want to know how fast a refund based on a recall can happen and I want to make sure they are working on it. The man who got the funds assured me he also called Chase. Chase has been on notice since XX/XX/XXXX of the mistake and recall by her bank. I have banked with Chase for XXXX, and I got my kids to bank there but after this experience, I may move over to a smaller, more caring institution. It's been a nightmare.
Consumer complaint received 2024-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (CO)

I recieved a check from my insurance company for jail damage on my truck. I was only 4.paymemts away from. Paying off my loan so thru secure messages on my account t with TD auto I asked what I needed to do to request.that the check be applied to my account to payoff my truck and to send me the proceeds. They replied and I did what they said I had to do. I waited 3 weeks and got a letter saying I had.to send.them proof of repairs to get any money back. I was not happy called.customer service got.told the same thing asked to talk to a manager. Got told that department had gone home and a manager would call me back within 24 hrs. After 48 hrs I got online and made a payment to payoff my loan. My account is closed.i called today and.got.told it would be.another 30 days before I would recieve any money due to me. They suggested I should call my insurance company and tell them I no longer have a Lien on my truck and maybe they could reissue a check. Again I asked to talk to a manager and got told it would probably be a long wait. Left my number and expect a call back???? Not the way this bank empire does business. I just want my money so I can go buy a new.vehicle. Will never do business with TD FInance again. XXXX XXXX XXXX XXXX XXXX where they treat veterans with respect.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc. (TX)

Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Consumer complaint received 2024-07-20
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. (NJ)

I happened to check my credit report this morning but was shocked at why inaccurate accounts are showing up on my credit report. Please check the documents I've included because this has been causing me great stress more and more everyday.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX, XXXX I called Capital One Dispute A representative answered.. I told her that I wanted to file a dispute on this particular hotel because they were charging my son account & we never stayed there. She said ok & because this wasnt authorized we have to issue you/your son a new debit card.. Itll take u to 5 business days. I said okay fine.. Two days later I noticed she disputed the wrong company. I called Capital One told the representative what happened as I stated above.. The representative transferred me to his supervisor. Again I explained to the supervisor as I stated above.. Me & the supervisor had a discussion about me being credited.. XX/XX/XXXX, XXXX I look at our balance & saw the account is- XXXX I look at the transaction history & its for the reversal amount they credited for at XXXX. So I called Capital One & told them I do agree with our checking account being- XXXX That was their fault & their loss. Our account should be at a {$0.00} balance. They disagreed. As soon as they fix our account Im no longer banking with them.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (FL)

several credit checks were done by credit karma and fraudulent accounts were open on my behalf. 
when I contacted credit Karma they said not to worry that soft hits didi not affect my credit but the reality is someone opened an account in credit karma with an email that does not belong to me XXXX or has ever been associated with me checked my credit report on multiple times : XXXX and XX/XX/year> I recently learned that someone opened a business account with XXXX which is also fraudulent. 
Credit Karma should verify emails before opening an account and at least XXXX factor authenticators with true information form the credit bureau.
Consumer complaint received 2024-07-27
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: United PanAm Financial Corp. (PA)

I called this company as well as sent certified mail letter from my lawyer asking this company to provide me with information about this account such as a contract and 1099 showing the amount I owe.
Consumer complaint received 2024-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-15
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: CBC Companies, Inc. (TX)

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  XXXX on XX/XX/XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
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. (AZ)

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. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2015-04-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

The financial mortgage company who is handling my mortgage has taken XXXX extra monthly payments out of my bank account XXXX in one week. The other was a XXXX amount of the mortgage payment the same day. Neither were authorized. They are only authorized to take XXXX payment monthly. I called & notified them & they told me that it was a mistake & it would be taken care of in 10 days. This has happened XXXX & no course of action has been taken on the mortgage company 's end.
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. (MD)

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. Whos studying computer science help 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 it you could assist in removing the following from my credit report, these are the accounts :
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. (IL)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

My credit card was stolen and many purchases were made. I contact my bank and they refused to help me. They never investigated o reached out to the merchant for further information. I when ahead and got receipts from the merchant but they refused to give me further information. My banked never contacted the merchant. I been getting calls from Wells Fargo but they are fake agents. My credit score has been affected and its hard to deal with this. My information has been stolen. 

My bank has never
Consumer complaint received 2024-10-03
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: First Federal Credit Control, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Date : XX/XX/year> First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Subject : Formal Dispute of Medical Collection Account Dear First Federal Credit Control, I am writing to formally dispute the accuracy and validity of a medical collection account listed on my credit report under the name of your agency, First Federal Credit Control XXXX I recently became aware of this account, and I am challenging its reporting as I believe it to be inaccurate and potentially in violation of several federal laws. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, your company has a legal obligation to ensure the accuracy of the information you furnish to credit reporting agencies. I request that you provide full validation of this debt, including : 1. A copy of the original signed agreement or contract from the original creditor, the FL XXXXXXXX XXXX XXXXXXXX, verifying that I owe this debt. 
2. A detailed explanation of how this account was verified by your company, including any supporting documentation.

3. Any relevant medical billing information that complies with the Health Insurance Portability and Accountability Act ( HIPAA ) privacy laws, which limit the disclosure of medical details to third parties such as credit reporting agencies. 
In addition to the FCRA and HIPAA, the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, requires that a debt collector provide validation of a debt upon request. 
Therefore, I am requesting that you cease all collection efforts until proper documentation is provided to me and this matter is resolved. Failure to provide such documentation within 30 days will result in a demand for immediate removal of this account from my credit report. 
Please be aware that failure to comply with these federal laws will leave me with no choice but to pursue all available legal remedies to protect my rights under the FCRA, FDCPA, and HIPAA. I also reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
I expect a prompt and thorough response within 30 days, providing the requested validation or removal of this account. If this account can not be properly validated, I demand that it be deleted from all credit reporting agencies immediately. 
Thank you for your immediate attention to this matter. 
SincerelyXXXX 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