davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

My account with ( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, DPT EDXXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn (NY)

Good Afternoon. 

In pursuing my case against the debt collector Mullooly Jeffrey Rooney & Flynn XXXX ( MJRF ). 

During my research I uncovered a number of XXXX Reviews for this firm, indicating unethical behavior. 

Given the volume of reviews I wanted to bring this to the attention of the CFPB. 

Some items include : They need their practice shut down, they tried collecting on debt I already paid. They had a woman pretend to be an XXXX worker to send my neighbor summons papers. - XXXX XXXX XXXXXXXX XXXX XXXX. If low mea n't [ XXXX  ] anything they are the worst people you can ever deal with. Absolutely disrespectful across the board - XXXX XXXX This law firm is the worst! Paid an old hospital. Bill got satisfaction letters and receipts XXXX years later they had the sheriff garnish my paycheck admitted the mistake and have me waiting for my own money back terrible service very unprofessional XXXX XXXX I have long asserted this firm breaks the law. I would ask for a formal inquest by the CFPB given the sheer volume of online complaints that corroborate my experience with this firm. 

Thank you, XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-07-31
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. (AR)

I am working in accordance to my consumer protection and I am seeking that certain information be removed immediately from all three reporting agencies XXXX, XXXX, Equifax! 

( FERPA ) 20 USC 1232g ( b ) - My privacy rights are being VIOLATED by furnishing this information.

-XXXXDEPT OF ED 15 U.S. Code 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

P.L 90-321 ( 82 Stat. 146 I have never given my written, verbal or non verbal consent for you to furnish this information! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 12 CFR 1022.3 - Anything added to my consumer report without my consent can be considered fraud in your part.

( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

These accounts are adverse items they are reporting again without my permission which is against the law! -U.S. Code 1681s2 ( A ) ( 1 ) Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-07-18
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. (OK)

Im sending this new complaint now because the cfpb stated that my previous complaints were closed after the credit bureaus replied with false information. 

I have contacted XXXX and all three credit reporting agencies on multiple occasions regarding the incorrect information on my credit reports. I have contacted them directly in writing and via the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 

XXXX has never contacted me directly. I have never received information from them. They failed to validate/ verify within the timelines provided by the FDCPA yet continue to assert a claim over me via the credit reporting agencies. This is illegal. By law, XXXX must stop all collection attempts, including reporting to agencies. 

All credit reporting agencies have claimed to have done an investigation regarding the supposed debt and found the debt to be accurate. This is either a lie or a huge mistake. 

If they had in fact investigated, they would have found that XXXX has no proof of anything at all. 

- Did XXXX send me any information regarding the alleged debt and that I have a right to request verification and/or validation? No. 

- Once I saw the XXXX account on my credit report and requested verification / validation from XXXX, did they reply to me? No. 

- Did any of the credit reporting agencies provide me with any proof that they 1 ) did an investigation at all, and 2 ) received proof / verification/ validation from XXXX? No. 

Instead, what the reporting agencies did was move XXXX from an the original creditor to and active collections account to a closed account. None of these changes fixed the problem of an inaccurate account on my file. Instead, it just proved that no one has any information but rather they are determined to post something - anything- negative on behalf of XXXX. 

By law, they can not randomly change things around and call it " fixed. '' By law, inaccurate information must be removed. 

XXXX has no proof that they verified/ validated the debt- or even contacted me at all- because they did not. As a result, no credit reporting agency has this information from any supposed investigation. 

By law ( FDCPA for XXXX and FRCA for all 3 reporting agencies ), must immediately stop collection attempts, including the reporting of this information on my credit file. 

It should not take MONTHS of my life to assert my rights under the above-named federal laws.
Consumer complaint received 2024-07-23
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. (AL)

I am a victim of identity theft and informed Transunion of this as soon as I was made aware of an unauthorized inquiry back in XX/XX/year> from XXXX XXXX  and once the account showed up on my credit report in XX/XX/year> along with a XXXX  account appearing on my report the same month ( XX/XX/year> ) with no corresponding inquiry. I provided all this agency with my Identity Theft Report from the FTC along with my dispute letter requesting this inaccurate information be removed. The company claimed to launch an investigation however the results were inaccurate. I wrote a complaint on XX/XX/year> and on XX/XX/XXXX the accounts were satisfactorily removed however on XX/XX/year> I noticed the re-addition of these accounts which has caused damages including, denial of credit, offers with higher interest rates, as well as XXXX XXXX At this point I will be requesting compensation for these damages as a result of your failure to maintain accurate credit information. I will be including supporting documents and expect a prompt response to this matter and a satisfactory resolution, including the removal of the fraudulent accounts and compensation for the damages incurred. You will see attached XXXX XXXX reports due to me not being able to request a Transunion credit report on the Transunion site for some odd reason. I will also be requesting a credit freeze ( it would not allow this request on the Transunion website ) with my letter to your office.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/year> I applied for a XXXX XXXX XXXX credit card that had a rewards program where, if I spend {$5000.00} within first XXXX months, I will receive XXXX Avios points with XXXX XXXX After spending more than {$5000.00} within the first XXXX months, and the statements showing that I received the points, my account with XXXX XXXX showed XXXX points. Calling both, XXXX and XXXX, I understood that XXXX created an account in my name ( without informing me ), while I created XXXX myself, so now I have XXXX separate accounts, XXXX didn't know which account is my account to credit, but neither company contacted me to let me know. After almost XXXX calls with both companies, XXXX confirmed that they merged both accounts and to call XXXX to let them know which account to transfer the points. XXXX also said, that once XXXX releases their latest statement, I should be good and receive the points. That never happened still, so, again I am contacting both companies. It is so unbelievable frustrating.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc. (TX)

Subject : Violation of FDCPA by Bounce AI I am writing to file a formal complaint against [ Debt Collection Agencys Name ], which I believe has violated the Fair Debt Collection Practices Act ( FDCPA ) in the following manner : Avoidance of Cease and Desist Notice : On XX/XX/XXXX, I sent a cease and desist letter to Bounce AI, requesting them to stop all communication with me regarding the debt in question. Despite this, the agency has continued to contact me via email, which I believe is a direct violation of the FDCPAs requirement to honor a cease-and-desist request. 

Failure to Fully Validate the Debt : According to the FDCPA, a debt collector must provide full validation of the debt upon request. Since XX/XX/year>, I requested full validation of the debt, including the purchasing agreement or contract, from Bounce AI. They responded with incomplete documentation, failing to provide the purchasing agreement or any evidence that they legally own the debt in which the entity claimed was private and/or confidential. This lack of proper validation also constitutes a violation of the FDCPA. 

I have also disputed the lack of debt validation to the credit bureaus in the past and recently but yet Bounce AI is still ignoring my cease and desist in XX/XX/year> and still emailed me directly instead of just responding to the credit bureaus. 

Please see my attachments of the following documents which will support my complaint : Copy of Cease-and-Desist email Correspondences with Debt Collection Agency
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

In XXXX of 2024, I saw my credit score provided by Equifax, XXXX and XXXX was between XXXX - XXXX. These low credit score caused XXXX credit card companies denied my request for a card. 

History - Between XXXX and XXXX I paid my full credit cards ( XXXX ) balance totaling {$7700.00}. 
I have sent communication to them receiving no The only card I have is XXXX, with a balance due of {$170.00}
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

I was securing a refinance loan on my property when to my shock I was denied because I had XXXX unknown judgment liens on the title Report of my Property. 

Wells Fargo Bank XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX. {$7900.00} I was never served with court papers or given any notification to dispute these debts nor have an opportunity in court. My place of residence since XXXX has been in the state of Hawaii.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MO)

I open a account with Fortiva Credit Card with XXXX XXXX XXXX about 11 months ago I received a notice saying they were going to charge a maintenance fee of XXXX a month and the letter stated that if you did not agree with this to call them so I did and I told them I wanted to opt out of this fee and they said I could no longer use the credit card and I was okay with that and then they closed the account and I've been still making a payment so today I called them and stated to them I went on there website to make my payment on the XXXX and something was wrong with there website because it would only let me take the XXXX and I ask them why when the payment was made on XXXX and the representative stated that because I paid it out of my bank account it won't process until the XXXX and I ask her why am I being charged a late fee of XXXX and a XXXX maintenance fee when the account is closed and I opt out of the maintenance fee and she said it don't matter if the account is closed I will still pay the maintenance fee and the late charge. This is not right I should not be charged a late fee or a maintenance fee when this account is closed.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (RI)

Was charged XXXX times for the exact same amount in XXXX day by the same merchant. Current denied dispute citing another undisputed purchase with this merchant. I did not authorize XXXX transactions for XXXX occurring within XXXX minutes of each other back to back to back.
Consumer complaint received 2024-07-30
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. (OH)

XXXX XXXX SS # XXXX, XXXX XXXX XX/XX/XXXX THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRAUDULENT, INACCURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL AUTO LOAN ACCOUNT OPENED AT XXXX XXXX UNDER ACCOUNT NUMBER XXXX, AN PERSONAL LOAN OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF APPEARING ON MY CONSUMER FICO CREDIT REPORT. I'VE ATTACHED A LIST OF THE HARD INQUIRIES IN QUESTION AS WELL AS A COPY OF THE ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES APPEARING ON MY CONSUMER CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF A FTC IDENTITY THEFT CRIMINAL COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-23
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)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. I DON'T RECOGNIZE THESE ACCOUNTS AND I DID NOT AUTHORIZE THEM. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORTS, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I would like to bring to your attention that I never received any formal notification regarding the closure of this account from Bank of America. The absence of a closure notice has left me without crucial information regarding the status of the account and without the opportunity to address any issues that might have led to its closure. This lack of communication has directly contributed to the confusion and misreporting of the charge-off dates, as the account was reportedly closed without my knowledge. The reporting of charge-offs on an account that I was not informed was closed is highly concerning and misleading. 

In XX/XX/year>, I discovered a charge-off from Bank of America on my credit report for an account with an outstanding balance of {$4200.00}. This debt appeared unfamiliar, and I had no prior knowledge or records of this account. 

The continued presence of this charge-off from XXXX through XX/XX/year> has prompted me to seek rectification due to its inaccurate reporting. 

Actions Taken by Me : XX/XX/year> : Initially, upon noticing the charge-off, I meticulously reviewed all related financial documents and found no evidence of the debt in question. I had neither entered into any agreement that would justify this charge-off nor received any communication from Bank of America XXXX this matter. 

XX/XX/year> : I contacted Bank XXXX XXXX customer service to clarify the origin of this debt and to request its immediate investigation. I was assured of a follow-up which never materialized. 

XX/XX/year> : A formal dispute letter was sent to Bank of America requesting comprehensive documentation that could validate the debt, including any contract or transaction records. 

Actions Taken by the Company : XX/XX/year> : Bank of America acknowledged receipt of my query but failed to provide any substantive response or documentation that could affirm the existence or validity of the purported debt. 

No subsequent communications or resolutions were provided by Bank of America despite multiple follow-ups on my end. 

As of XX/XX/year>, this unverified charge-off continues to be reported on my credit report, negatively impacting my credit rating and financial reputation. The lack of responsiveness and failure to validate this debt compels me to challenge its accuracy with your agency, as no evidence has been presented to me to substantiate this charge-off. 

Additionally, it is important to note that the account in question was officially closed prior to the reported charge-off dates. Despite the account 's closure, charge-offs were erroneously reported from XX/XX/year> through XX/XX/year>. This inaccurate reporting of post-closure charge-offs is incorrect and misleading, reflecting debts that could not have legitimately accrued after the account had been closed.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (NM)

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. 

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 2023-11-02
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. (NY)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.