davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX Summit Account Ressoultion XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute Regarding Inaccurate Collection Accounts on My Credit Report Dear Sir/Madam, I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am disputing the following collection accounts : XXXX. XXXX Account XXXX, XXXX, Account XXXX : XXXX, Amount : {$180.00} XXXX. XXXX And XXXX, XXXX : {$120.00} XXXX. Summit Account Resolution, Amount : {$320.00} I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 
I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter. 
Thank you for your time and understanding. 

Yours faithfully, XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me XXXX I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-10-29
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. (FL)

I am writing Transunion, XXXX and XXXX as a concerned consumer to request the blocking and deletion of information on my consumer report due to identity theft, in accordance with 15 U.S. Code 1681c1 and as recommended by the Federal Trade Commission ( FTC ).

I have recently become aware that there is information on my consumer report that is a result of identity theft. This information does not pertain to any transactions made by me as the consumer. My request to block this information is not being made in error, and it is not based on any material misrepresentation of fact by me that is relevant to the request for blocking these identified transactions. 

I kindly request that you take immediate action to rectify this situation by blocking and deleting the information related to the identified transactions, as per the law and FTC recommendations. It is of utmost importance to me that this fraudulent information is removed from my consumer report, as it is affecting my financial well-being and my ability to engage in legitimate financial transactions. 

Enclosed you will find copies of documents supporting my claim of identity theft. I would appreciate your prompt attention to this matter, as well as your confirmation of receipt and action taken within the timeframe required by law. 

Correct Name : Name 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 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 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 2024-06-19
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. (NJ)

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-18
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)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-05-16
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. (VA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-21
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. (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 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 2023-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-04
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$58000.00}
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (AL)

I have been trying to get errors on my credit report removed because it's a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S. Code 1681s-2, a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. After providing factual information to the furnishers of my consumer report, they still haven't managed to correct the errors and I'm soon going to seek litigation. It has been well over 90 days since I filed my disputes. I even have a bankruptcy XXXX XXXX that the courts I filed with stated they didn't authorize these said companies to report this information or even gain access to it. Under 15 U.S Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have late payments on credit card accounts that shouldn't be there. The creditors are also considering the accounts " verified '' because they are basing their disputes on the consumer system that has incorrect data reporting on my behalf that I don't authorize and won't check the proof of proper information I'm sending in. I demand these accounts to deleted from my credit report.
Consumer complaint received 2023-12-04
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Spoke with XXXX, & XXXX ( Resolution Specialist ) on ( XX/XX/ ), XXXX & XXXX ( XX/XX/ ), XXXX XXXX XXXX, & XXXX ( Supervisor ). Also, XXXX credit {$700.00} but CitiCards bluntly refused to credit my credit card account. The detectives investigated this matter thoroughly and found that Citi Cards in involves in " Petty Larceny '' ( Complaint Report # XXXX ) since the amount is always below ( {$1000.00} ) could not be classified as Fraud. Many of these representatives are in third ( XXXX ) world countries eg. XXXX, XXXX, XXXX, etc. and don't quite understand the problems. On XX/XX/ I spoke with XXXX & XXXX ( fraud dept ) and they could not resolved and issues, even though relevant documentations were sent to Citi Cards. Citi Cards also reported these accounts as delinquent and late- which seriously affected my credit. Every one of my accounts including my Mortgage are being PAID on a timely manner and in weeks before due dates which can be verified. Cards # XXXX & XXXX & XXXX & XXXX. Citi Cards would cancel the cards, issue new cards, but keep on carrying foward the disputed amounts
Consumer complaint received 2024-06-20
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. (LA)

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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (TX)

Upon reviewing my credit report, I've noticed 5 entries indicating a charge-off, which typically signifies a discharged debt for which you've claimed a tax write-off. Following a discussion with the IRS, it came to my attention that reporting such information on my credit report with the intent of collection or maintaining a charged-off status is deemed illegal, constituting tax fraud. Please be informed that the accounts in question are all paid off. Uplift is also furnishing inconsistent information between all 3 CRA 's when all information should be the same. There is also a duplicate account which I will list below. 

I insist on the immediate removal of the accounts from my credit report, along with the provision of a 1099-C form for auditing purposes to ensure compliance with tax regulations. This reporting discrepancy appears to be a violation of the FCRA specifically 15 USC 1681eb, as the information reported is not entirely accurate. 

The IRS has advised me to submit a Form 3949-A to report what appears to be illegal tax violations committed by your company. I'd like to emphasize that pursuing legal action is a course of action I'd prefer to avoid. Nonetheless, any violation of the FCRA by a corporation entitles the consumer to seek actual damages and monetary compensation, as outlined by the applicable U.S. Code. 

I trust that your CEO or VP would prefer to address this matter promptly and amicably to avoid potential legal consequences. Please see the attached credit report and remove the following accounts from my credit report within 7 days : UPLIFT, INC. XXXX, UPLIFT, INC. XXXX ( DUPLICATE ACCOUNT ), UPLIFT, INCXXXX XXXX, UPLIFT, INC. XXXX
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation (FL)

I was involuntarily out of work from XX/XX/XXXX through XX/XX/XXXX. 
I purchased insurance against unemployment. I filed a claim # XXXX from XX/XX/XXXX and the Company has failed to pay. They say I have to be enrolled in Florida Unemployment and receive benefits, meaning moneys deposited into my account first before they can pay. I was enrolled in Florida UM from XX/XX/XXXX through XX/XX/XXXX then I went back to work for the same employer. 

I have provided the Unemployment paperwork to them, but they wont pay for the three ( 3 ) months of {$500.00} to my loan account, which has become delinquent. 
AND, they have the nerve to report my account negative to the credit bureaus.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION (GA)

I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Beginning the first week of XXXX XXXXXX/XX/year> I began to notice suspicious activity on my Capital One account. I placed several phone calls to find out that someone had gained access to my account and profile on multiple occasions, changing the account information, requesting new cards, opening new user profiles under my account. I have called Capital One no less that 20 times in the past three weeks, had to continue to correct my account information each time because the thief was allowed to continue to gain access. 
I provided identifying information and a copy of my photo ID, yet Capital One continued to allow a thief to access my account and request new cards. I was not given any kind of privacy protection, the account specialists were no help and I spent hours on the phone going over the same information multiple times. They would not set an account passcode that was only known to me. I would be given instructions to call to speak with a specific department... then when I would call, they would refuse to route my call to that department. 
I finally had to close the account I have had for years with Capital One because they would not protect my account from a thief.