davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Subject : Notice of Dispute- Inaccurate information on Consumer Report To Whom it may concern, I am writing to dispute inaccurate information on my consumer report. It has come to my attention that your company is reporting information on my consumer report without my consent, thereby failing to apply maximum accuracy in accordance with your vital role is assembling and evaluatingconsumer credit information as stipulated in 15 U.S.C 1681 ( a ) ( 3 ).

I am also aware that your company policy requires you to maintain written consent from me, the consumer, authorizing you to report any account on my consumer report. Federal law under 15 U.S.C 1681b requires that you must have either court jurisdiction or handwritten letter from me giving you permisible purpose to report such information. Your failure to adhere to these requirements constitutes a violation of my privacy.

Additionally, as a finacial institution, you are obligated to uphold maximum privacy of my nonpublic personal information pursuant to 15 U.S.C 6801 ( a ) which states obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Specifically, I am requesting the immediate removal of 2 late payments on the accounts from my consumer report. This debt collector has engaged in abusive practices in attempt to collect an alleged debt, further violating my rights under the Fair Debt Collections Practices Act ( FDCPA ). These deragatory accounts are not accurate. Accuracy is defined as a measure of value, these do not add value of any kind futhermore you are doing this without my knowledge, also Fairness is defined neither party having unjust advantage over each other, the direct result of you doing any of this ( and without my knowlegdge ) put me at a disadvantage. This is the whole reason for 15 U.S.C 1681 ( a ) 2 late payments under the account of XXXX XXXX XXXX, in the year 2018 and in the months XXXX and XXXX it has 30 days late back to back, those transactions need to be corrected to match all the other ones around it, besides there no way to be 30 days late back to back it starts at 30 progresses to 60 and so on, therefore making this inaccurate information put on my consumer report and making it illegal. 


I Expect you to take quick action to correct these inaccuracies and protect my privacy. Please confirm you received this letter and inform me of the actions you will be taken to resolve this matter. 

Sincerley,
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

Consumer Name : [ XXXX XXXX ] Consumer Social Security Number : [ XXXX ] Consumer Date of Birth : [ XXXX ] Contents of Complaint : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to request that Equifax , as a credit reporting agency, block certain information from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The information in question is a result of identity theft and fraud. Specifically, I am requesting the removal of the following fraudulent entries : Auto Loan With XXXX XXXX XXXX XXXX * Opened On : XX/XX/XXXX * Account Number : [ XXXX ] Telecommunications/Cellular Account With XXXX XXXX XXXX XXXX On : XX/XX/XXXX * Account Number : [ XXXX ] These fraudulent accounts have also resulted in several hard inquiries and collections entries on my credit report, which are also a result of identity theft. 
Supporting Documentation : * A copy of the FTC Identity Theft Affidavit : [ FTC Identity Theft Criminal Complaint # ( XXXX ) * A copy of my XXXX credit report showing the fraudulent entries I do not recognize these accounts, collections, or hard inquiries, and I did not open, authorize, or initiate them. They are the result of identity theft and fraud.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (NY)

Date : XX/XX/XXXX SOFI Lending Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am asking that you remove the following account from my credit reports : SOFI LENDING CORP Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past 12 months. I am asking that I be able to claim this charged-off debt of {$5400.00} as income for my XXXX personal tax returns. 


Thank You for your prompt attention and I look forward to doing business with SoFi in the future Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/XXXX, I received my TJX/Synchrony Bank Statement in the mail and immediately wrote a check and mailed it to the address on the statement. They are claiming that since they received on the XXXX that i was to pay late fees of {$27.00}, and as a result of being late I also had to pay 34.5 % interest amounting to {$62.00} on the outstanding balance for those three days between the XXXX due date and the XX/XX/XXXX date they claim to have received the payment of. They state that they are not responsible for any mail delivery issues and that I am expected to pay the penalty and interest because I didn't make the payment in advance of the XXXX due date. How can I pay it any faster than the day I receive their statement? 

Today I received my XXXX statement of {$1300.00}, and knowing they want it paid by XXXX, I had to call in and do a draft from my checking account in order to be certain the payment arrives in time or I will face additional late fees and interest. 

On a side note, what is the CFPB have to say about the fact that their statements are arriving late arriving to me which causes the time window to receive a timely payment made to them arrive later and now they impose late fees and interest? due to the post office deliveries being late, and I am supposed to adapt my schedule and method of payments? This seems like an unfair situation for a consumer as we do everything correct, and end up paying almost an additional {$100.00} on a 1 month bill. 

Furthermore, they are trying to force us into doing on line banking and having experience where my identity was stolen and it took months to straighten out, do not do any financial transactions over email.
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: Experian Information Solutions Inc. (CA)

XXXX is reporting incomplete information on my credit report, rendering it inaccurate. As a consumer, I am entitled to accurate and complete reporting under the FCRA. After disputing the accuracy of this information through Experian, the company verified that the information was accurate and complete. *These inaccuracies consist of incomplete or missing balance history information listed below : * Balance history information is missing for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Some of these months contain an alleged late payment with not payment history information reporting. * There are XXXX balance reported for the month of XX/XX/XXXX ( {$1000.00} and {$950.00} ) * The payment date for the months of XX/XX/XXXX through XX/XX/XXXX are all reporting as XX/XX/XXXX. * XX/XX/XXXX and XX/XX/XXXX both have an incorrect payment date of XX/XX/XXXX * XX/XX/XXXX and XX/XX/XXXX have the same payment date of XX/XX/XXXX. * The Month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX * The months of XX/XX/XXXX and XX/XX/XXXX are both incorrectly reporting a payment date of XX/XX/XXXX * The month of XX/XX/XXXX is incorrectly reporting a payment date of XX/XX/XXXX. Since these inaccuracies are affecting me financially, I request that this account be removed from my credit report in whole as a result of the inaccurate reporting of this account. 
Please read this complaint before marking it as duplicate because it has nothing to do with my last complaint. I am disputing the accuracy of this account specifically balance history information.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (VA)

My bank account was scammed on XX/XX/year> XXXX payment was to xfinity mobile for XXXX another was for XXXX to XXXX and another was {$320.00} to the city of XXXX XXXX XXXX they has refused due to someone canceling the first investigations which was not me I opened another claim on XX/XX/year> after receiving letters stating that the investigation was stopped and the bank denied my second claim I was told to contact merchants and dispute with them the merchants stated that they do not handle these kinds of disputes I contacted the bank again today XX/XX/year> once again the bank will not try and help me and put in my account that I'm lying about the situation I am not
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a updated credit report from XXXX the source of the public record on my credit profile. I am asking for the Bankruptcy number-XXXX on my credit file to be investigated. I have proof that it don't belong on my profile.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : $ XXXX 'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Consumer complaint received 2024-08-08
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-08
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I requested on XX/XX/year>, To Equifax to REMOVE OLD ADDRESSES, PHONE NUMBER AND EMAIL ADDRESS AND UPDATE IT TO MY NEW ADDRESS ONLY. NO OTHER INFORMATION SHOWING UP. 
ON XX/XX/XXXX I received my Report and IT'S NOT CORRECT.ITS STILL SHOWING OLD INACCURATE INFORMATION. 
WHY CAN'T YOU ADDRESS THIS ERROR PROPERLY.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have multiple unauthorized transactions on my PayPal account, I filed a claim XXXX and XXXX, both of my claims were denied with PayPal not adding any valid reason or sending documentation telling me why my claims were denied. I never signed up for any XXXX XXXX service or any food service, I also have a charge from XXXX that I never authorized. I need PayPal to do a proper investigation and refund my money
Consumer complaint received 2024-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (FL)

I trying make a transfer from Marcus Bank XXXX XXXX XXXX Bank XXXX XXXX account, but they arent making. I gave every confirmation about myself that they asked, but they are still holding my money. They said that need to be sure about my transaction, but anybody solve it. 
The bank account that Im trying make the transfer is mine, theres my name, my XXXX and they are still holding my money.
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, 2024 Re : CFPB Complaint Number : XXXX Dear Experian, I am writing to follow up on my dispute submitted through the CFPB Complaint Portal on XXXX XXXX, 2024, regarding inaccuracies in my credit report. As of today, XXXX XXXX, 2024, I have not received a resolution to my dispute, which exceeds the XXXX time frame mandated by the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ), credit reporting agencies are required to investigate disputes and resolve them within XXXX days. Since this period has now elapsed without a final decision or correction to my credit report, you are in violation of the FCRA. Due to this delay and failure to comply with the FCRA, I have suffered punitive damages, including but not limited to : - Denied Credit Application : {$5000.00} - Increased Interest Rates on Existing Loans : {$2500.00} - Emotional Distress : {$2000.00} Total punitive damages amount to {$9500.00}. Given the lack of timely resolution, I request immediate action to delete the following disputed accounts from my report as required by law : XXXX. XXXX XXXX  XXXX - Account # XXXX XXXX. XXXX BANK - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX BANK - Account # XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXX BANK XXXX - Account # XXXX I expect immediate action to rectify this matter and provide confirmation of the deletion of these accounts from my credit report at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX Balance : {$1400.00} XXXX/XXXX  XXXX Balance : {$1500.00} XXXX/XXXX  XXXX XXXX XXXX {$0.00} XXXX BANK XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX Balance : {$840.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  VERIFY XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (AL)

Date opened : XX/XX/2019. XXXX owed : {$1100.00}. I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with AR Resources INC.
Consumer complaint received 2023-11-14
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. (KY)

I recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-06-06
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)

XXXX XXXX XXXX  Account Number XXXXTo Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA.DEPT OF ED Inquiry Date XX/XX/year> XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year> and XXXX XXXX Inquiry Date XX/XX/year>.
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation (AZ)

I checked my credit report on XX/XX/XXXX to see a collection from Blackwell Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ) for {$780.00} for a purchase supposedly made on XX/XX/XXXX. When looking at the collection on my credit report, there is no information for days late XX/XX/XXXX, no information on account type, only that the original creditor was XXXX XXXX XXXX, who I have never had an account with. I do not know what this debt is, nor have I ever had a personal or business account with XXXX XXXX. I have disputed this charge, and have contacted Blackwell Recovery ; however, I am unable to reach them and have received no notices by XXXX mail or email in regards to the collection. This account is not mine, and I have no knowledge of the account, and to reiterate, have never had an account with XXXX XXXX.