davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (OR)

On XX/XX/XXXX I received a letter from a company called credit control LLC stating they are collecting a debt in behalf of XXXX XXXX XXXX. This debt was already disputed with XXXX  on XX/XX/XXXX through CFPB and no validation of debt was given at that time. 

From XXXX to XXXX There was no correspondence from XXXX. 

I have already disputed this unknown debt through their first attempt with a company name Resurgent on XX/XX/XXXX with no response I have already disputed this unknown debt through their official company XXXX on XXXX. XXXX through CFPB with no response of my request. 
On XXXX I went onto the XXXX credit reporting sites, and disputed my debt with XXXX  with XXXX  not responding to my request of validation. 

as of XX/XX/XXXX XXXX is starting to harass me now through a new company called credit Control LLC. I am disputing this debt again through CFPB and will file the complaint against XXXX, and Credit control LLC. 

This is NOT my debt. 
I do not have any accounts, or agreement with LVN, or credit control LLC or resurgent. All these parties are unknown to me.

I dispute this letter and request the following 1. all account statements 2. any and all credit card agreements 3. any sales agreement between XXXX group and XXXX 4. XXXX groups original credit card agreement XXXX. Any terms of XXXX, or jams, or how to handle dispute of credit card Please provide me with this information XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

Account name THE HOME DEPOTXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2024 Status Closed. {$100.00} past due as of XX/XX/2024. 
Status updated XX/XX/2024 XXXX {$160.00} Home Depot Card Dispute 1. I was Promised a {$100.00} discount to open a new account with Home Depot Credit 2. I contacted the credit department twice and I was told that I would receive a {$100.00} discount on the purchase of a vanity.

3. The amount including tax was {$1000.00} roughly, this qualifies for the discount offered.

4. Home Depot Credit Card refuse to honor {$100.00} and only discounted {$50.00} because tax was not included in the credit. ( this was not told to me before the pourchase ) 5. I immediately paid in full for the vanity minus {$50.00} credit I was promised and closed the account.

6. This is a bait and switch tactic used on the consumer and now from a {$50.00} balance the interest has balloon to {$160.00}.

7. I believe that this is a misleading advertising used by Home Depot and I request to cancel my balance and drop these ridiculous fake charges I PAID IN FULL and closed the account the balance should be XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently settled a charge-off account with XXXXXXXX XXXX XXXX XXXXXXXX for a reduced payment amount agreed by both parties. According to the agreement, I paid {$130.00} on XX/XX/XXXX, to satisfy the total remaining balance of {$270.00}, under the condition that the account be marked as " Paid in Full./Settled '' Despite fulfilling my part of the agreement, my credit report from XXXX inaccurately reflects multiple late payments ( Times XX/XX/XXXX Days Late : XXXX ), whereas reports from XXXX and Equifax correctly show no late payments ( Times XX/XX/XXXX Days Late : XXXX ). These discrepancies have negatively impacted my credit score and could hinder my financial opportunities. 


Actions Taken : I have contacted the credit bureaus requesting that they update my credit file to accurately reflect my payment status and remove any incorrect late payment notations. 
I have filed disputes with XXXX to correct the inaccuracies. However, the response was unsatisfactory, as the report still contains errors. 

Request for CFPB Assistance : I request the CFPBs assistance in investigating these discrepancies and compelling XXXX XXXX XXXX  XXXX and credit bureaus to correct my credit report to accurately reflect the status of " Paid in Full '' and remove incorrect late payment records. It is crucial that my credit report reflects accurate information as per the Fair Credit Reporting Act. 

Enclosed are copies of my settlement agreement, proof of payment, and communications with XXXX XXXX XXXX  XXXX and XXXX regarding this matter. I am willing to provide further documentation as required. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

I believe the account is invalid. JP MORGAN CHASE BANK CARD needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.JPMCB CARD XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020
Consumer complaint received 2024-05-27
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. (NJ)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX, XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully ask for tangible proof to support the account 's legitimacy and allowable use. If there is not enough evidence, I anticipate that the account in question will be deleted from the report. I give you permission to email me an updated credit report and hard copies of the paperwork you took.
Consumer complaint received 2024-05-27
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. (NY)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-04-23
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: Resurgent Capital Services L.P. (MD)

Credit report shows inaccurate information of debt with incorrect addresses and dates. I have previously asked for verification of debt to which company only showed what they have on file which did not prove debt was mine or that the debt was owed. Even though the debt is over the statute of limitations, they continue to update and report debt to all three bureaus. Section 5 of the Federal Trade Commission Act ( FTC Act ) prohibits unfair methods of competition in or affecting commerce. I bring this up because the company has sent multiple emails stating the debt is on a " prelegal track '' which is a clear indication that they were prepared to sue when they can not due to statute of limitations. I request for this to be deleted off of my credit report on all three bureaus due to these facts.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

II have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This mean that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-07-18
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. (NJ)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX  - Account # XXXX XXXX Account # XXXX
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Violation of 42 USC 408 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States; or ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years,
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/year> I made a large purchase at an XXXX XXXX in XXXX. The saleswoman made a huge deal about this big sale they had going on and all I needed to do was answer a few questions. As she takes down my personal information she gets more and more detailed and I stopped to ask her why they need this info and what they will do with it. She assured me that they only collect this info for demographic research for marketing and to sign me up for mail newsletters and things like that. She said none of the info is used for anything else. The she asked for my social security number and again I asked her why they needed that and she told me that they wanted to make sure everyone that gets the sale only gets it one time and so they record your SSN just to make sure you dont get the sale twice. Next thing I know on XX/XX/XXXX I believe I was approved a new line of credit with Barclays and XXXX XXXX. I can swear on my life that that woman NEVER said the word credit let alone credit card and that I asked her at least 3 times what my info was being used for and she swore it was just for marketing purposes/making sure the sale is used only once by each person. This must be illegal
Consumer complaint received 2024-08-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I was told I had a final payment on my loan. When I called Chase Auto on XX/XX/year> at XXXX and XXXXXXXX XXXX XXXXXXXX to find out the balance, Chase refused to give me that information. 

They also locked me out of my account and refuse to let me sign in and view this information on my own. 

They also lied regarding fees and at this stage will be reporting the finance institution federally and to other agencies. 

I should not be denied this information as its illegal!