davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (MI)

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 was dated XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite making timely payments, the report indicates two late payments. It's crucial for consumer reporting agencies to maintain complete accuracy in their reporting. However, this account has never been late on payments. I've enclosed a copy of my report for your reference, highlighting the discrepancies dated XX/XX/XXXX and XX/XX/XXXX. I kindly request a thorough investigation into this matter and urge you to provide verifiable evidence supporting the alleged late payments. 

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX Equifax and XXXX are sharing my personal information with third party companies on the promotion side soft inquiry which allows companies to review my credit report without making a hard pull which is a direct violation of my privacy rights under 5 USC 552 ( a ) and the privacy Act of 1974
Consumer complaint received 2024-07-31
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. (IL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (NY)

I have been referred to CFPB by DATCP of Wisconsin for further action against XXXX, aka XXXX XXXX, aka XXXX, aka XXXX XXXX  XXXX, aka XXXX XXXX XXXX, aka Fiserv Inc., XXXX Fiserv XXXX, XXXX, WI XXXX. My complaint was initially filed with the XXXX  of Wisconsin ( ID # XXXX ) who contacted the offending company ( ies ) on my behalf, to their highest level of negotiation and subsequently referred me on to DATCP of Wisconsin, and then on to CFPB. XXXX  of Wisconsin secured for me a promise of partial refund of my monies from Fiserv Inc. ( {$2200.00}, still not received ). If this amount is indeed ever received there remains an outstanding refund amount of {$3600.00} for ACH debits from my checking account. The companies listed above ( all somehow interconnected ) enacted fraudulent ACH debits from my bank account for equipment rental and services for credit card processing from XX/XX/XXXXXXXX  until XX/XX/XXXX, when no such equipment or services were being utilized by me. They are unable to provide any executed documentation or contract justifying this debiting of my account monies despite my multiple attempts at obtaining such. Multiple phone calls to the agents of these companies resulted in a complete stonewalling of my attempts to receive documentation and retrieve my monies. On 2 of the calls I was assured that a " refund agent '' would contact me. Call reference # XXXX took place with XXXX on XX/XX/XXXX. Call reference # XXXX took place with XXXX on XX/XX/XXXX. A call with XXXX on XX/XX/XXXX assured me that the matter would be " referred to the investigation team. '' No further contact was received until XX/XX/XXXX when I was called by XXXX XXXX XXXXXXXX XXXX XXXXXXXX asking for my bank statements showing the debits. The statements were emailed 3 times to XXXX until finally received as confirmed by me with a call ( Reference # XXXX ) to agent XXXX. All agents, on all calls, refused to provide me with a mailing address for their companies for me to further pursue, which led me to the XXXX.
Consumer complaint received 2024-05-16
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. (TX)

I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.
Consumer complaint received 2024-05-16
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: EQUIFAX, INC. (GA)

I never gave anyone permission to report my information. This is a violation to my rights. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
Consumer complaint received 2024-02-05
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. (MO)

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates ofXX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 3 business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 XXXXXXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-20
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. (MI)

There are actually 3 companies involved. 1 ). Chase Bank Credit Card services. 2 ). XXXX ( online vendor for XXXX XXXX. 3 ). An afflilate of Chase that they only describe as a " 3rd party service provider. 

I signed up for a credit card " bonus offer '' on the Chase card website for 10 % off a purchase including groceries from XXXX for up to {$10.00} ( or a max {$100.00} purchase ). I signed up for this offer by clicking the link given. The offer showed an offer ends date of XX/XX/XXXX. 

I completed the offer on XX/XX/XXXX by charging {$91.00} on XXXX for groceries. I picked up the groceries on XX/XX/XXXX to complete ALL offer terms and deadlines set by Chase and XXXX for this offer. The charge showed up on my Chase account for several days as pending on XX/XX/XXXX. Then the charge completely dropped off my online account activity on the Chase site for a couple days as if no charge was made at all. Then a couple days later, a new charge showed up for {$91.00} on XX/XX/XXXX, even though the charge was made, and the items received on XX/XX/XXXX with no future changes planned or unplanned. 

No bonus was paid. I complained to Chase twice. In their second response, they stated that the bonus wasn't paid because of the following INCORRECT reason : " Sometimes a merchant will charge your card on a date after you make a purchase, such as shipping, delivery or installation date and as a result the purchase may not post to your account until after the end of the offer. '' I picked up ALL of this order on the deadline date of the offer and I provided them with website receipt proof. Also, nowhere in the offer terms does it say that the vendor can change the date to whatever they feel like, possibly to get out of these offer payments. The offer end date is therefore functionally meaningless to the consumer at best, and false advertising or fraud at worst.
Consumer complaint received 2024-05-16
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. (NY)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2018-08-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (SC)

I initially submitted a formal complaint against Navient in regards to a student loan my wife co-signed for. I made a 1 time payment to Navient to have my wifes name taken off the cosigning of the loan. Navient failed to send a XXXX form to me to submit to the IRS explaining that the loan is not in default or settled. My daughter is still paying on her loan. Because Navient failed to send me XXXX form to submit to the IRS my federal income tax returns have been with held from me for the past 3 years. I have been trying to explain this mistake Navient made to them and I am getting nowhere. On top of that issue, since Navient reported to the IRS that I earned {$24000.00} dollars extra in XX/XX/2016, the IRS is now coming after me for unclaimed income in which is not the case. Navient has not been helpful at all, in fact they are quite rude on the telephone if you can ever get off of being on hold. My first complaint number was XXXX, I just received a notice from CFPD that Navient can not address the issue because of a " unauthorized third party '', I am not sure what that means. I have attached the response I received this morning.
Consumer complaint received 2018-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc. (VA)

This company called looking for XXXX. I dont know a XXXX but I do have a son named XXXX. They said it was a personal business matter and insisted that I pass along the information and read back the phone number to them. By the time I realized that this was a collection agency calling me about someone elses issue. And by telling me the name of the company they disclosed the nature of the personal business. Anyway. There you have it. They have no business calling me and Im not sure how they got my number, Ive blocked them. 

SIMM associates is a scam the number they called from XXXX doesnt even match the number she gave me. So ... is she just a thief or a con artist? 

Thanks -
Consumer complaint received 2024-05-16
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. (NY)

Despite my XXXX  correspondence, it appears that the issue has not yet been resolved. 
The presence of these late open accounts on my credit report is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your prompt attention to this matter is necessary to comply with these legal obligations. I kindly request that you escalate this issue and take all necessary steps to correct the late open accounts in my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct the 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 XXXX XXXX XXXX XXXX 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 2024-05-16
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-03-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Denefits LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Denifits LLC XXXX XXXX XXXX # XXXX XXXX, CA XXXX Consumers Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my XXXX credit report regarding an open account with Denifits LLC . The account in question is marked as late and has caused me distress due to harassment and threats from Denifits LLC. 

I request clarification on the type of account and accurate reporting of its status, as it is neither in collections nor charged off but has been marked as late since 2022. The lack of clarity and completeness in reporting this account has the potential to negatively impact my creditworthiness. 

I am requesting a thorough investigation into this matter and urge XXXX to update the information on my credit report to accurately reflect the status and type of account in question. I also request that XXXX provide me with a copy of my updated credit report once the investigation is complete. 

I also believe that Denifits LLC has violated the Fair Debt Collection Practices Act FDCPA by engaging in harassing behavior, including non-stop calls and threatening messages. Additionally, the reporting of this account as late on my credit report has further exacerbated the situation. 

I request that XXXX conduct a thorough investigation into this matter and take appropriate action to rectify the inaccurate reporting of this account. Specifically, I ask that XXXX ensure compliance with the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) Section 611 : Requires credit reporting agencies to investigate disputed information and correct inaccuracies.

Section 623 : Requires furnishers of information, such as Denifits LLC, to provide accurate and complete information to credit reporting agencies. 

2. Fair Debt Collection Practices Act ( FDCPA ) Prohibits debt collectors from engaging in harassing or abusive behavior, including threats of adverse credit reporting. 

I request that XXXX conduct a thorough investigation into the reporting of this account and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I request Denifits LLC to cease all communication with me via phone calls, text messages, and emails or postal, as their behavior violates my rights under the FDCPA and TCPA.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.