davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. The late payment is inaccurate because the payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

XXXX XXXX  XXXX
Consumer complaint received 2024-04-29
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. (FL)

I am writing to bring to your attention a matter of concern regarding the reporting of information on my credit file. As per the arbitration agreement outlined in your terms and conditions, I am formally initiating the arbitration process. 

It has come to my attention that the tradeline from XXXX XXXXXXXX XXXX, with the account number XXXX, has been inaccurately reported on my credit file. Despite my numerous attempts to resolve this matter through traditional dispute channels, it remains unresolved. 

This tradeline has caused me distress and I am now requisition civil liability if I can't get a deletion! Below I have attached a letter to Experian trying to resolve this matter but it is unresolved! certified mail Tracking number USPS XXXX # : XXXX I am requesting {$5000.00} and a deletion of the tradeline above!
Consumer complaint received 2023-05-04
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. (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, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-29
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. (FL)

I am writing to bring to your attention a matter of concern regarding the reporting of information on my credit file. As per the arbitration agreement outlined in your terms and conditions, I am formally initiating the arbitration process. 

It has come to my attention that the tradeline from XXXX XXXXXXXX XXXX with the account number XXXX, has been inaccurately reported on my credit file. Despite my numerous attempts to resolve this matter through traditional dispute channels, it remains unresolved. 

This tradeline has caused me distress and I am now requisition civil liability if I can't get a deletion! Below I have attached a letter to Experian trying to resolve this matter but it is unresolved! certified mail Tracking number USPS XXXX # : XXXX I am requesting {$5000.00} and a deletion of the tradeline above!
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 XXXX party. They in fact did not come from a XXXX 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-06-17
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. (NJ)

RE : Last XXXX XXXX To whom it may concern, I, Your Name, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) 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. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NM)

I have been tracking my credit score on Experian and XXXX XXXX and paying for their credit reporting service. I have raised my credit score to XXXX according to their report. I also have two other credit scores reported on that site that show XXXX scores. I applied for a mortgage and was turned down by two different lenders because my credit score was reported to the lenders as XXXX. This is credit fraud. Either Experian is committing credit fraud for charging for a credit report that is not accurate, or the lenders are turning down my mortgage application based on fraudulent credit score. The different in the two scores is XXXX points. The lenders I have applied to are XXXX XXXX in XXXX XXXX NM and XXXX mortgage company. I have disputed all the incorrect information on my credit report. I do not have any collections, all my accounts are either paid off or current.
Consumer complaint received 2023-12-31
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX XXXX am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-04-29
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. (FL)

This is my second time writing these XXXX XXXX XXXX to show proof that the law were followed by these companies listed below and their credit agency as well, instead I was sent the e-Oscar computer generated computer response stated that the account was verified but no proof of how this answer and verification was provided, I am asking for proof of validation, verification and proof the laws listed below were followed. I DO NOT consent to the response being computer generated or e-Osca responses which is not an accurate investigation that is required by law.

The first violation of law your credit agency and these other companies violated was the 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following 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 has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud ( 1099 OID ). By Law companies are supposed to send me the consumer a copy of the 1099A & 1099C from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. Any account that has been paid for such as " chargeoff '' must not be added or remained on a consumer 's credit report due to debt has been paid by the IRS, these debts are now considered income and income is against the law to be reported on a consumer report ; it is also against the law for them to fail to mail or deliver the copy of 1099 form to the consumer. I do not give consent for any paid off accounts that are reporting as charged offs to be on my consumer report. Failure to do so will require me to seek legal aid to assist in the laws not being followed or valid proof by law of investigation findings of the information listed on reports.
Consumer complaint received 2024-05-19
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. (NY)

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE MONTH YEAR OF FIRST CHARGE OFF SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONT. THIS IS AN UPDATE IN THE PAYMENT HISTORY .A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE HISTORY THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT. 

HAS VIOLATED MY RIGHT I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (TX)

I am writing to file a formal complaint against ALLY FINANCIAL, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
ALLY FINANCIAL, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by XXXX CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that ALLY FINANCIAL has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against ALLY FINANCIAL to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold ALLY FINANCIAL accountable for their unlawful conduct.

Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Consumer complaint received 2024-04-29
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. (MS)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was offered the possibility of listings if I complete Broker Price Opinions for a company by the name of XXXX XXXX XXXX otherwise known as XXXX XXXX, XXXX. They requested {$340.00} up front. I signed up and then they assigned me two properties that were not bonafide properties. I was able to verify this and requested cancellation within 10 days of signing up. They agreed to refund my {$340.00} via email. A charge showed up on my credit card statement and I opened a dispute with Chase the day of receiving the statement. I then provided proof that this is a fraudulent company to Chase via fax ( XX/XX/XXXX ) and sent them a copy of the email. I even sent Chase screenshots of their online reputation as scammers. All you have to do is google : XXXX XXXX XXXX. Chase refuses to issue me a credit and is charging me interest. The Chase representative that has called me refuses to let me speak to a superior.
Consumer complaint received 2024-06-01
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. (CA)

XXXXXXXX XXXX XXXX XXXX Account Number XXXX. I took another look at credit report, I just saw somethings that need some attention, concerning, this account, This late payment is reporting incorrectly, for example my XXXX account is showing XXXX was paid on time, XXXX was XXXX  days late, and XXXX was XXXX days late, However Equifax shows XXXX was paid on time, XXXX was XXXX  days late and XXXX was paid on time, XXXX shows XXXX was paid on time, XXXX was XXXX days late XXXX was XXXX days late. This report is inaccurate, I pay my payments on time every month, please reinvestigate this account and update to Paid on time immediately thank you
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged RENEWAL BY A XX/XX/XXXXXXXX XXXX XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-29
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. (SC)

15 USC 1681a4 violation of privacy.

15 USC 1681eb inaccuracy of credit reporting 18 USC 1028a aggravated identity theft 15 USC 1692c collection agency contact
Consumer complaint received 2024-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am an elderly man. I have banked with BofA for 46 years. I set a bill pay to pay {$9500.00} to XXXX XXXX XXXX Collector that would arrive by XX/XX/XXXX. BofA indicated it was sent on XX/XX/XXXX as a draft. The payment was not deposited to XXXX Collector account until XX/XX/XXXX. Tax collector charged my account {$960.00} late charge, as the payment was due on XX/XX/XXXX. The Tax Collector would have used the postmark on the check envelope ( XX/XX/XXXX ) as a delivery date, but the envelope was bulk mail/pre-sorted and did not have the standard postmark, thus the assessed late charge. I called BofA a number of times notably XX/XX/XXXX and opened XXXX # XXXX. They would call tax collector and ask for late charge waiver. On XX/XX/XXXX BofA responded via Messages in my online account, and indicated that the Tax collector would not divulge public information. I called tax collector, and they said it is all public information. Called BofA on XX/XX/XXXX and they attempted a call back to tax collector and were denied the waiver request for late charge. BofA sent me an online Billpay Message on same date and stated they would refund the {$960.00} and the funds would be in my account in XXXX business days. Called BofA on XX/XX/XXXX was told the payment refund was not made due to the internal request not being completed properly, it now had been rectified and the refund would be made in XXXX business days, again and online bill pay message was sent to my XXXX center and payment would be made to my account in XXXX business days. On XX/XX/XXXX I called BofA and asked where my money was. I was told first it had been declined, then that the third party XXXX ( who handles online bill pay ) was responsible for it. BofA then cold transferred me to XXXX and I went through the process again, I then was told it was continuing through the approval process and money would be in my account in XXXX business days. I questioned that again, then the response was changed to follow up in XXXX business days, and that it would not be paid in XXXX business days.
Consumer complaint received 2024-05-31
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: ALLY FINANCIAL INC. (LA)

XXXX XXXX ran my credit on XXXX XX/XX/year> & XX/XX/year> an i did not approve for them to run my credit ALSO ALLY FINANCIAL RAN my credit on XXXX i did NOT APPROVE OF THEM TO RUN MY XXXX