davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX / XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (WI)

Chase Sapphire Reserve Card ( JP Morgan Chase ) had erroneously applied my refund in a way I specifically requested not be done, and per their own agreement would not happen. I disagree with how this credit of XXXX was applied. This is also the FIRST explanation offered for why The My Chase Plan went from XXXX to XXXX despite calling for weeks on end, and spending countless hours on the phone with unhelpful, rude, clueless customer service people. I did pay off the plan because I am not making payments on something I did not agree to. This explanation is not acceptable because I did not agree to these terms. I agreed to a travel plan with a payment of XXXX and a XXXX base Chase Plan with a payment of XXXX. Chase incorrectly opted to apply my credit from XXXX in a fraudulent way to obtain more fees from me as a customer. It is worth noting that prior to that happening, both my husband and I did our due diligence of contacting Chase at least three times via phone, which I have records of - the first time being with XXXX - before the credit from XXXX was issued and STRONGLY reassured that the XXXX credit would go toward the plan with ( at that time ) no payments due yet ( it was for the exact amount ) : XXXX. At that time, was told notes were being put on my account. Chase then applied the credit to the Chase Travel plan despite it being for the other item and in the exact amount. This was a horrible experience as a customer and nothing short of consumer fraud. I refuse to accept this explanation which goes against their own terms and policies and is simply an extortion attempt of an honest customer. It should be noted I also called a local branch and spoke to a manager who was unable to explain the fee despite contacting numerous internal Chase contacts. If Chase will not resolve this or make it right, I plan to take other avenues to do so. It is worth noting that while trying to solve this problem Chase sent me personal statements, in their entirety, belonging to people I am not in any way associated with and then asked me to email them to them.
Consumer complaint received 2024-09-23
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. (FL)

I'm following up on our recent communication about unauthorized accounts on my consumer report linked to identity theft. These were added without my written authorization or wet signature. I'm formally requesting you immediately block and remove these fraudulent entries from my report. 

These inaccurate accounts have caused me significant distress and financial hardship, misrepresenting my credit history and obligations. They've impeded important financial goals like buying a home and supporting my family.
Consumer complaint received 2023-02-19
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights.

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
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies related to my name, address, telephone numbers, and employment information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-03
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to confirm 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 below : XXXXXXXX XXXX XXXXXXXX XXXX : {$310000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$770000.0XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX  XXXX Balance : {$3000.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} XXXX XXXXXXXX Balance XXXX {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX : {$80000.00} XXXX XXXX XXXX Balance : {$76000.00}
Consumer complaint received 2024-09-27
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. (TX)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute certain information on my credit report that I believe to be fraudulent, as permitted under Section 605 ( b ) of the Fair Credit Reporting Act. List on the fraudulent accounts are attached on my FTC REPORT XXXXPLEASE READE FTC REPORT IN DETAILXXXX
Consumer complaint received 2024-09-21
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. (TX)

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

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-02-10
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. (CA)

I am writing to file a formal complaint regarding the conduct of Experian, a major credit reporting agency. I believe Experian has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 

Upon reviewing my credit report obtained from Experian on XX/XX/, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that Experian did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) and XXXX, which are not adequate verification sources according to the FCRA. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced negative consequences, such as denial of credit or higher interest rates. 

Although I have initiated the dispute process with Experian to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 
. 
Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue.
Consumer complaint received 2019-11-20
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. (IL)

CRA is in continuous violation 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2022-10-29
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. (NY)

I XXXX XXXX, a natural person, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to remove some inaccurate information from my credit report and both Trans Union and XXXX are refusing to investigate or correct the things on my credit report. They just sent these emails stating they do not think my dispute letters are coming from me. I am using template dispute letters from the CFPB website and from XXXX. I'm also reading online that the credit reporting agencies do this to everyone who sends disputes to avoid correcting the inaccurate information. THIS IS AGAINST THE LAW! The CFPB website states they have to investigate and respond within 30 days. Hopefully by filing this complaint the CFPB will investigate Trans Union and XXXX and hold them accountable for violating my consumer rights protected by Federal Law.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
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)

In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

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 an 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 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (OH)

I recently found out that my auto contract with XXXX XXXX and Westlake Financial services was fraud and exercised my rights to rescind signature under 15 U.S. Code 1635 due to down payment and warranty was added on to finance contract when no other instruments are supposed to be added in financing charges along with insurance premiums which was not disclosed as well. This is violation of consumer law 15 U.S.Code 1605 ( c ). I was also made to provide my own insurance when it could have been provided with insurance premiums but were not disclosed. I also have been illegally repossessed before without notice and was made to pay outrageous fees to get vehicle back. XXXX XXXX. XXXX XXXX is reporting to Credit Bureau when bill of sale was made with dealer XXXX XXXX which is a violation of consumer law under permissible purposes. 15 U.S. Code 1681. Both dealer and finance company has been notified via certified mail as of XX/XX/2022 and XX/XX/2022 with no response as of XX/XX/2022.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc. (AL)

Received a call stating i owed an outstanding balance to a company I had never heard of before. ( owned. Lease. ). I thought it was a scammer trying to get my information. I looked the company up. It was a legitimate debt collection agency. RFG. I called them up and they said I owed money for some tires I purchased using owned.lease. Told them I didn't owe anyone anything for tires because I am not the one who bought them. That evidently, I was a victim of ID fraud. They told me I had to file a report. So I am filing this report because someone is using my identity.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (FL)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!