davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

My account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-12
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. (CA)

I reviewed my consumer report and noticed accounts on my credit report that were not a result of any transaction initiated by me. The fair credit reporting act states that consumer reporting agencies have an obligation to report 100 % accurately and fairly. I am a victim of identity theft. The reporting of these accounts leaves me open to additional fraudulent transactions. In addition, I am now being punished for someone stealing my identity and accessing my credit report without my permission or a permissible purpose! I need this corrected immediately.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

To whom it may concern at credit card disputes department, My name is XXXX XXXX My social security number is XXXX On XX/XX/XXXX I applied for a Citizens Bank credit card ONCE. 
On my XXXX Credit report it shows TWO hard inquiries on the same date of XX/XX/XXXX please have ONE removed because is a duplicate mistake! 
My number is XXXX if you have any further questions. 
With gratitude, XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP (GA)

Aldridge Pite Haan , LLP filed a civil lawsuit against me stating I am in breach of contract, but they did not provide a signed contract. Aldridge Pite Haan , LLP never notified me about the lawsuit. The date I was notified was the day the court server left the civil lawsuit in the door on XX/XX/year>. Aldridge Pite Haan , LLP failed to send me proper notification about the debt. They failed to notify me before filing a civil lawsuit against me. I informed my attorney I did not have the opportunity to request a debt validation because I did not receive any letters from the company. They used a billing statement as an exhibit. The billing statement they used as an exhibit did not have my signature, but they were able to file the civil lawsuit. I sought legal counsel to file against Aldridge Pite Haan , LLP and requested they provide an account ledger for the account. Aldridge Pite Haan , LLP emailed a letter with an amount and the name of the creditor without the account ledger proving the debt is owed by me. My attorney informed me Aldridge Pite Haan , LLP purchased the debt from the company. I informed my attorney, Aldridge Pite Haan , LLP had several complaints filed against them in regard to them adding additional fees to an account and I wanted to know how the total they claimed was calculated but they did not provide the debt validation and account ledger. They mislead the courts into believing I breached a contract with them, but I did not sign any contract with Aldridge Pite Haan , LLP.
Consumer complaint received 2024-08-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (NY)

In approximately XXXX of XXXX, XXXX XXXX allowed an account to be open falsely with my identity. To my knowledge, they did no identity verification on the fraudulent account. In early XXXX, my credit score was negatively impacted and an investigation revealed an account in collection with Charter Communications in another state. I contacted both Charter Communications as well as the credit reporting agencies to dispute the account. I also filed an Identity Theft report with the FTC, although I'm no longer able to retrieve it since the FTC web site delete accounts after 6 months of inactivity. The charges and account were determined to be fraudulent and the record was removed from my credit report. Then some time later in XXXX, Charter put me back into collection over the debt. I contacted the collection company and provided the FTC report ID and the charges were once again removed. I have now received a notice The CBE Group that Charter has put me into collections a 3rd time over the same fraudulent account. I called an informed them today that if this is not immediately and permanently remedied, that I will be seeking to sue them pursuant with sections 702 and 706 of the Fair Debt Collection Practices Act. I would like a record of this complaint, so that ot may be used if future court proceeding if necessary.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (NY)

I am writing to express my extreme frustration with the handling of my recent fraud investigation and the inadequate responses from your customer service team. 

On XX/XX/XXXX, I spoke with a representative named XXXX regarding fraudulent activity on my account. She reported two fraudulent charges to XXXX XXXX but failed to report fraudulent XXXX charges despite my repeated requests. This oversight forced me to report the charges online myself. 

On XX/XX/XXXX, I spoke to a supervisor named XXXX, who informed me that the investigation into the fraudulent XXXX charges had been decided in my favor and that the money would be returned. However, when I asked for a timeline, he stated that it was not his area of expertise, leaving me without clear guidance on when I would receive my funds. 

On XX/XX/XXXX, I spoke to a supervisor named XXXX, who assured me that she would file a complaint and that I would receive a response within 48 hours. Unfortunately, I have yet to hear back from anyone regarding this issue. 

I am requesting a review of the calls with these representatives by your quality assurance department, as their actions constitute legal violations. Furthermore, I am seeking compensation for the time I spent on the phone addressing these issues while your agents were failing to follow proper procedures.

Immediate action is necessary to resolve this matter and prevent similar incidents in the future. Your prompt attention and assistance in this matter would be greatly appreciated. 

Thank you for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-29
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (WA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there's a complaint earlier that I did and I'd like you to just send my complaint to all these Banks about not being able to open a checking account due to fraud on my account
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MT)

XXXX reported this account to the credit bureaus before ever mailing me anything in the mail. To be clear I have never heard of XXXX in my life until this company appeared on my credit files. I filed a CFPB complaint XXXX  did not validated this account. I did not receive any information in regards as to how to dispute this collection or what it is even about for that matter. I have never signed a contract with XXXX, Resurgent Capital Service, or XXXX. I am not aware of these companies, or this suppose collection account they have already placed onto my credit reports. I am a XXXX XXXX Veteran living on a fixed income, in the process of buying my first home. This is not helpful. At this time I am not being helped by XXXX to address this issue. 


Reference # XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (TX)

I was a victim of human trafficking and during this time my identity was compromised. The accounts listed below do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX DOB XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT CREDIT MANAGEMENT LP  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX DOB XX/XX/year> ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-10-07
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. (FL)

I found unauthorized inquiries on my credit report today, and I don't understand where they came from. I checked my report like I always do, but this time, I noticed discrepancies that werent there before. I tried refreshing my browser, thinking it might be a technical error, but the inquiries didnt disappear. I need you to carefully review the documents I've provided so this issue is resolved once and for all.
Consumer complaint received 2024-10-07
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. (AZ)

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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-07-10
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. (AZ)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (IL)

In XX/XX/year> I received a letter from Discover Card stating that I was being sent to collections. I called the number on the letter and asked what this was about as I didn't know I had any charges to Discover Card. I explained that I had not received any statements in the mail showing that I had a balance at Discover. They have stated that they had sent the statements and nothing was returned. As of yesterday ( XX/XX/year> ) received the statements that were supposed to have been sent to me. I was a customer with Discover for 15 years and was always on time with my payments. I asked why wasn't I notified before getting a letter to be sent to collections. They said they had tried calling and I asked if any messages had been left, as I work during the day, they said they don't typically leave messages as everything is automated. When I received the letter I wanted to dispute the charges of {$440.00}, but my husband called again and the lady on the phone ( XXXX ) advised him to do the charge off amount ( {$300.00} ) leaving a balance with Discover of about {$130.00}. We did this with the understanding that we would be in good standing with Discover and our credit. I was told the conversation was recorded, but we as the consumer, can not listen to recordings. I hadn't been concerned until XXXX weeks ago I tried to co-sign on a loan with my son. I was denied and the reason being serious delinquency, and after digging it was the amount left at discover of {$130.00}. I have called discover almost daily to try and pay the remaining amount. I have been told they can't reopen the account. I was a 15 year customer always paying my bills on time, I am just asking for the account to be reopened and pay the remaining amount, but have been told this is impossible. I have also been told by others and have done some digging myself that in fact it is possible to reopen the account and pay off the balance. I have talked with XXXX from the Executive Consumer Advocacy through Discover, I was told by him to go through my states Attorney General to push to get the account reopened and paid off. 
I have never had a delinquent account so this was all new to my husband and I. We do not have anything in writing from the events. But now have been pushing for more to be done in writing, which Discover is very hesitant to do I have found out.
Consumer complaint received 2024-10-07
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. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. ()

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character