davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
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. (VA)

As the authorized representative im acting on behalf of XXXX XXXX XXXX implementing my consumer/beneficiary full rights, protection and privacy, over the years i wasn't knowledgeable enough to properly perform on the duties to satisfy my contractual obligations but all has changed thanks to my XXXX and XXXX XXXX XXXX XXXX My discovery is that these Consumer Reporting Agencies are doing unfair practices blocking me from my rights to receive my XXXX given rights to credits for Personal, Family and household purposes, because of the negative things showing publicly to oppress me and lose public confidence, the opt-out disclosure was unconscionable because if i was fully aware i would have never agreed to disclose information pertaining to my experiences and transactions for any CRA to gather from any financial institution that im a party of and doing business with. Any late payments reporting showing my credit usage and payment history is not something I consent to nor would have agreed to if i was given full disclosure conspicuously. Therefore I need The CFPB to escalate this enforcement by blocking all payment history and credit usage from showing publicly on all CRA 'S. I expect this matter to be to my satisfaction in 10 days.
Consumer complaint received 2024-09-08
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. (FL)

I am writing to formally dispute the inaccurate reporting of a child support account on my consumer report. The account in question, identified by the account number XXXX, XXXX is being reported with discrepancies across XXXX, Experian, and XXXX, as shown in the attached documentation. Due to these inconsistencies, I believe this account should be removed from my credit report under the Fair Credit Reporting Act ( FCRA ) and relevant case law. This account is also listed 3 times with the the same account number this can not be correct and each consumer agency knows listing this account this way is lower my score on purpose. This account should not be listed three times.

The FCRA ( 15 U.S. Code 1681s-2 ) mandates that furnishers of information provide only accurate and complete information to credit reporting agencies. In this case, the child support account is being reported differently across multiple agencies. The inconsistent reporting violates the accuracy requirement of the FCRA. Specifically, the account shows different balances, statuses, and payment histories, which create confusion and result in an inaccurate representation of my financial obligations. 

Moreover, under XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that inaccurate or incomplete credit reporting violates a consumers rights under the FCRA. Since this account is not being reported accurately and consistently, it is imperative that this inaccurate entry be removed to avoid further damage to my credit profile.

I respectfully request that you : 1. Investigate the reported inaccuracies in the child support account.

2. Remove the inaccurate entry from my credit report.

3. Provide written confirmation once the deletion has been completed.

Please consider this a formal dispute under the FCRA, and I expect a full investigation and correction to be completed within 30 days, as required by law. I have enclosed a copy of my credit report with the disputed information highlighted for your reference. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IA)

On Thursday, XX/XX/year> I made to purchases via XXXX in the amounts of {$410.00} and {$320.00}. I've had my Chase XXXX XXXX card tied to XXXX for sometime without issue. 

It turns out I made these purchases in quick succession and in doing so forgot to toggle the " purchases '' tab when confirming the transfers. 

I realized my error the following Monday, XX/XX/XXXX when I noticed XXXX XXXX % transaction fees ( {$20.00} and {$16.00} respectively ) and called into Chase to have the issue corrected. After several calls and churning through several frontline representatives who refused to help- with one going so far as lying to me by telling me that " all XXXX transactions are treated at Cash Advances '', which is patently untrue- I was finally placed on the phone with a Customer Retention Specialist who was able to refund the XXXX transaction fees. 

However, he told me that there was nothing he could do about the interest classification and that these XXXX transactions were subject to the Cash Advance APR oXXXX XXXX %. This is another obvious obfuscation of the truth and so I emailed the VP of Customer Service XXXX XXXX as well as the executive office of Chase to resolve the issue. 

What followed have been XXXX phone calls with Executive Office Representatives that seem no more informed or willing/able to help than the front line representatives I spoke with. The first of these, an Executive Office Representative named XXXX, went so far as to try and perpetuate the same " all XXXX transactions are treated at Cash Advances '' falsehood that the frontline rep had attempted. 

To be honest I'm puzzled as to why this has been so difficult of a lift for a XXXX customer in good standing who has never missed a payment. Further, beings that I'm a XXXX XXXX XXXX professional I take issue with them somehow inferring that I am attempting to subvert the cash advance system for my own benefit. 

In the end, while this probably sounds like an awful lot of trouble for {$18.00} in interest fees, I consider it both a serious violation of trust and an extreme lack of empathy on the part of Chase and is important enough to address here. 

Thank you for your time and I look forward to hearing your thoughts. 

Best regards, XXXX XXXX
Consumer complaint received 2024-09-26
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. (AR)

The late payment remarks currently listed on my credit report are inaccurate and do not accurately reflect my payment history for this account. These late payments were either reported in error or do not align with the actual payments I have made. As a result, the incorrect information is negatively impacting my credit score and overall creditworthiness. I kindly request a thorough review of these remarks and an update to reflect the accurate payment history, in accordance with the Fair Credit Reporting Act ( FCRA ), to ensure that my credit report maintains accuracy and integrity.
Consumer complaint received 2024-09-08
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. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-08
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. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX XXXX XXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : HighesXXXX reported balance : $ XXXX balance owed XXXX XXXX XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to Experian, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Consumer complaint received 2024-09-08
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (MD)

My daughter is the primary person on the account and I am the co-signer. During XXXX, my daughter lost her job, and had a hard time getting payments on time. Carmax agreed to make payment arrangements and in many cases, the account was in a payment arrangement but per Carmax, they are not structured to note that payments were being made. Instead, it is showing the accounts past due. Last year, I finally got my daughter to trade the car and the car was paid in full. To this day, it's still showing in my credit report, even after I have asked carmax to send the notification to the bureaus and this has been months, and still not resolve. I am trying my best to get my credit situated and I have disputed this matter many times.
Consumer complaint received 2024-11-01
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. (FL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-08
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  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 2024-09-08
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)

My initial awareness of unauthorized inquiries on my credit report became known to me as I ran across a headline on my XXXX news feed where another data breach had occured. Taking that event into consideration, I went about checking on my credit to see if there was any errors that was unbeknowst to me during that time. Upon doing so, I had noticed there were several inquiries that I had no knowledge of nor had given each of those financial institutions any permission to pull my credit at any point in my life so far. With this information in hand, I sent out a letter by certified mail to Experian on XX/XX/year> in which I stated that there were erroneous inquiries on my credit report that did not have permissable permission from me to exist on my credit report. Additionally, I requested that those listed inquiries be investigated and removed due to them being unauthorized by me. ( please see attached letter that was sent ). I patiently waited 30 days per FCRA rules for a response and never received one. Recently, on XX/XX/year>, I opened my Experian app to track my credit growth and progress to which point I discovered XXXX new hard inquiries that are titled as follows : " XXXX XXXX, '' " XXXXXXXX XXXX XXXXXXXX XXXX '' and XXXX XXXX XXXX XXXX. '' I do not know who the associated financial institutions are nor do I give authorized permission for them to pull my credit for any purposes. 
I've given Experian more than alloted time per FCRA rules to properly investigate and rectify these errors and yet there hasn't been any resolve rendered. In mention of this, I had in turn send them yet another certified letter on XX/XX/year> ( please see attached ) in which I requested resolution to be executed for failure to comply with FCRA policy to which they are governed by for not responding in 30 days. Experian 's failure to execute their responsibilities of adherence to consumer law and FCRA policies have now created ongoing negative impact on my life and additionally, they have developed civil liability per occurence for how they've carried out this matter.
Consumer complaint received 2024-09-08
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)

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Reporting of Car Loans Not Belonging to Me Dear Experian, I am writing to dispute two inaccurate entries on my credit report that do not belong to me. These two accounts are negatively affecting my credit and are erroneous. Below are the details of the accounts I am disputing : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Dispute of Ownership of Accounts : I am not associated with these loans and have never held an account with XXXXXXXX XXXX or XXXX XXXX XXXX. I did not apply for, open, or authorize any loans or credit transactions with these entities. Therefore, the reporting of these accounts on my credit file is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Request for Verification and Immediate Removal : Under Section 611 of the FCRA, I am requesting a thorough investigation and verification of these accounts. Please provide documentation that shows that I am responsible for these accounts. If no such documentation exists, I request the immediate deletion of these accounts from my credit report. 

XXXX. Identity Verification : Enclosed you will find a copy of my government-issued ID, proof of address, and a copy of my Social Security card to confirm my identity and ensure this dispute is properly processed. 

As you are required by law, I expect that you will complete your investigation and respond within the 30-day time frame prescribed by the FCRA. Should you fail to remove these erroneous accounts, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal options.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these inaccuracies from my credit report.

Per 15 USC1681n ( a ) ( 1 ) ( A ) of the FCRA allows consumers to recover up to {$1000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports I am challenging any hard inquires or unauthorized accounts without a permissible purpose. 15 U.S. Code 1666b - Timing of payments Also I noticed some incorrect personal information being reported on my credit which I am demanding to be correct immediately! Please be advised that failure to comply with the FCRA and Metro 2 standards will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for noncompliance. Thank you for your prompt attention to this matter. I expect a response within the time frame prescribed by the FCRA ( 30 days ). You can contact me via the information listed above if further details are required. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing in regard to an interest fee of {$3.00} that was recently applied to my account, which I had already closed. The account was initially closed because of Capital One 's refusal to waive a late fee, despite my request. Now, after the account is closed, this small balance remains due solely because of the interest fee. 

Given the circumstances, and considering that the account is no longer active, I respectfully request that you waive this remaining interest charge. I believe this would be a fair resolution, as the balance stems from a situation where I already felt I was being treated unfairly. 

Please confirm in writing once the balance has been cleared, or if further action is required on my part. 

Thank you for your attention to this matter, and I look forward to your prompt response