davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (IL)

XX/XX/XXXX Eastern Account System of Connecticut , Inc . 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Dear Eastern Account System of Connecticut , Inc . 

I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. None of the above were provided to me. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. Thank you for your immediate cooperation. 

XXXX XXXX
Consumer complaint received 2024-09-29
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. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-06
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. (LA)

To Whom It May Concern,

I have recently looked at a copy of my credit report and see that you are still providing inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why this information is still being reported by YOU to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths
and cause so much distress.

Federal - XXXX - "The bankruptcy information in my credit file is a result of unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission (FTC) is currently investigating the matter. Additionally, the information on my report does not comply with Metro 2 credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer: 15 USC 1681 Section 602 A: Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2: Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c(a)(5): States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s2(A)(1): Prohibits furnishing information known to be inaccurate."
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (DE)

This is a complaint against Experian, XXXX, XXXX and XXXX XXXX XXXX, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 
On XX/XX/year>, at approximately XXXXXXXX XXXX I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report and even provided a letter saying this and I have attached it. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. 
Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 
Given that it did not take 30 days for Experian, XXXX, XXXX and XXXX XXXX XXXX to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly. 
I am requesting that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their failure to adhere to the FCRA 's requirements. Furthermore, I request that XXXX XXXX XXXX be directed to immediately remove the fraudulent account from my credit report and to confirm the removal in writing.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX applied online for Chase visa card. Received email XXXX received. Then received email requiring pic id for address and dob XXXX XXXX received email from Chase Bank that they were reviewing app and documents. 
No further emails XXXX XXXX call Chase Bank and given bad information that XXXX  was still in process Escalated to supervisor and told information on license " was '' legible but they could not accept it probably due to watermark and declined it. 
I ask why I was not notified and they said they do not notify customers about these declines, which is unacceptable. I had to call them and wast XXXX XXXX. 
XXXX XXXX I Called XXXX and my XXXX XXXX was reduced XXXX XXXX for the credit inquiry. 
Chase should send notification immediately. 
Chase should require valid docs prior to requesting my credit from credit agency.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

MOHELA has been double-reporting my student loan balance to XXXX. I provided documentation of my correct account balance to XXXX, but XXXX declined to remove the incorrect information. I am unsure as to why this would be the case as XXXX stated they verified this as accurate with MOHELA, which it is not. MOHELA has been aware of this issue for several months now, and they have failed on their promise to resolve the duplicate reporting issue.
Consumer complaint received 2024-09-06
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. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Please remove this information from my credit report XXXX Account Number XXXX 2. Please remove this information from my credit report XXXX Account Number XXXX 3. Please remove this information from my credit report XXXX XXXX Account Number XXXX Please remove it from my credit report. 


4. Please remove this information from my credit report XXXX XXXX XXXX Account Number XXXX 5. Please remove this information from my credit report XXXX XXXX Account Number XXXX 6. Please remove this information from my credit report XXXX XXXX Account Number XXXX 7. Please remove this information from my credit report XXXX Account Number XXXX 8. Please remove this information from my credit report XXXX XXXX  XXXX Account XXXX XXXX 9. Please remove this information from my credit report XXXX Account XXXX XXXX 10. Please remove this information from my credit report XXXX XXXX  Account XXXX XXXX 11. Please remove this information from my credit report XXXX XXXX  Account Number XXXX 12. Please remove this information from my credit report XXXX XXXX Account XXXX 13. Please remove this information from my credit report XXXX  XXXX bankruptcy discharged Reference XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-06
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-22
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. (MA)

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, has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 accounts is inaccurate
Consumer complaint received 2024-08-22
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)

This morning, I was horrified to discover inaccurate accounts on my credit report, and I can't understand how they ended up there. I regularly check my report, and everything has always been accurate until now. I tried refreshing my browser, thinking it might be a simple malfunction, but the errors were still there. I'm asking that the documents I've sent be thoroughly checked, so I never have to deal with this kind of XXXX  again.
Consumer complaint received 2024-08-22
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. (NY)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXXXXXX XXXX XXXX and XXXX XXXX XXXX