davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: EQUIFAX, INC. (SC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
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. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX, Equifax and XXXX and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX, Equifax and XXXX ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that may have been given. I have also included the reports from all XXXX agencies with inaccuracies and unpermitted inquiries. I have called all XXXX agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

Hello, I had a Citi XXXX XXXX XXXX account between XX/XX/XXXX and XX/XX/XXXX. However, I haven't received a 1099 tax form from Citi yet. Despite reaching out to Citi bank a few times, I was informed that I won't be issued a tax form for the year XXXX. Interestingly, my wife holds a similar Citi XXXXXXXX XXXX XXXX account in a comparable situation and received a tax form for the year XXXX. 

Could you please double-check my account eligibility and, if applicable, issue the corresponding tax form? 

Thank you for your assistance. 

Best regards,
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/2024, I got a call from navy federal stating that it was a fraudulent charge made with my debit card. They told me that they would have to cancel it and send me a new card. A week before my bills were due I made a XXXX  transfer, which usually takes minutes to receive, from my XXXX  account to my navy federal account to pay my bills. 5 days go by and I still have not received the funds. I call navy federal to ask why and they said that my my account was suspended because of the fraudulent charge on the debit card and the funds are being directed to my other checking account, but at this time navy federal had already charged me {$240.00} in returned check fees that they refuse to refund while I had over {$4000.00} pending in the wrong account for over 5 days when it usually available in my account in minutes. So I had no access to the money I needed to pay my bills and was charged fees for something that wasn't my fault and out of my control. This is bad practice and should be illegal. I definitely deserve a refund.
Consumer complaint received 2024-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 2024-04-12
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-01-17
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. (NC)

My name is XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2024-04-12
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)

As of XX/XX/2024 Several closed accounts are still showing up on two of my credit reports, but deleted on one. According to the FCRA, all reports must match with accuracy.
Consumer complaint received 2024-04-12
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. (MO)

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17
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. (TX)

I am a victim of idenety theft. I have followed the law and obtained an FTC affidavit and police report. I provided these documents along with proof of my identity to XXXX. XXXX  refuses to follow the law and violate by rights under FCRA by not blocking the accounts ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX 'XXXX, XXXX XXXX ) from my account in Four Business days. 

I now have to hire an attorney and sue XXXX  for damages that I have suffered. Hopefully after Trans Union is forced to legally fix the issue in court they can learn from their mistakes they commit against so many people everyday.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, 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 Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Consumer complaint received 2024-02-19
Product: Credit 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. (NY)

# XXXX XXXX I received above letter which states facts from Chase XXXX but does not match with statements amounts of credits and rebills Chase states XX/XX/XXXX credit {$60.00} ( where? ) just see {$130.00} on XX/XX/XXXX XX/XX/XXXX rebill {$60.00} ( where? ) XX/XX/XXXX I paid {$60.00} ( not mentioned by CHase XX/XX/XXXX {$60.00} credit courtesy Here is what I see in statements : XX/XX/XXXX statement : XX/XX/XXXX rebill {$49.00} XX/XX/XXXX statement {$130.00} charge XXXX XXXX XXXX {$130.00} I have to search statements as credit and rebills are all over the place in different statements running a years time I ask CHASE to clearly highlight all credits and rebills to arrive at a final credit 0f {$60.00} This will clearly show me proper math of zeroing out rebills and matching credits given without obsfugation
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Financial incorrectly put the wrong amount for our car payment and then reversed it. It then took them almost a month to correct their error. In the meantime, the payment that they incorrectly imputed went against us as a late payment. The payment wasn't late. Ally admitted their error and corrected the payment but they didn't take the late payment off our credit report. I was denied credit due to this error!! Our payment was received and posted before the 30 days - their error and reversing the payment caused XX/XX/2018 payment to be " considered '' late. They were contacted repeatedly in advance and this never should have been considered late.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (TX)

In XXXX XXXX  I filed a dispute with XXXX, XXXX and XXXX regarding my payments had stop and were not being reporting from my credit card with Comenity BankXXXX XXXX for the several months and I want the payments to be updated because my account has always been in good standing and never late payments. On XX/XX/XXXX XXXX Credit Bureau informed me that Comenity BankXXXX XXXX had removed my account from my credit report. I called XXXX on XXXX XXXX XXXX  and was told they could not reinsert my account. They told me to call Comenity Bank/ XXXX XXXX and I did both Comenity Bank/XXXX XXXXXXXX and XXXX are refusing to correct this problem which is hurting my credit score. I have been communicating with XXXX and Comenity BankXXXX XXXX from XX/XX/XXXX to present, XX/XX/XXXX and I am always told allow 30 days. XXXX asked me to send the correspondence from Comenity BankXXXX XXXX they had contacted XXXX and I submitted supporting documents of my active and good standing account with Comenity Bank/XXXX XXXXXXXX but nothing has been done. My entire credit account is removed ONLY from XXXX. XXXX and XXXX are correct. As a consumer this is not fair because I pay my credit accounts on time. At this time I do not what to do. This has decreased my credit score and limiting my credit availability and causing high interest rates. Comenity BankXXXX XXXX is stating they are reporting to XXXX but if there is no account with XXXX what are they reporting.
Consumer complaint received 2023-04-26
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. (NY)

Formerly, I made an investigation regarding these accounts with inaccurate information and after checking the updated report I recognized that the same accounts are still incorrect. Please correct/update the following accounts listed below : XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX Balance : {$400.00}
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I XXXX XXXX have made numerous attempts to XXXX XXXX XXXX and EQUIFAX to get an account removed from my credit report due to IDENTITY THEFT. I was recently released from a long incarceration when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XX/XX/XXXX i sent to Equifax via priority mail an IDENTITY THEFT AFFIDAVIT, dispute letter and supporting documentation such as PROOF OF INCARCERATION. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors XXXXXXXX XXXX  XXXX, after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX Equifax 's system shows that they received the documents. In between that date and the date of XX/XX/XXXX Equifax was investigating the claim. On XX/XX/XXXX Equifax completed their investigation but the XXXX account was still on my credit report that resulted from identity theft. Equifax responded on XX/XX/XXXX saying that ; at this time Equifax isnt blocking information pursuant to Section 605B ( c ) of the FCRA. In the same letter Equifax also states ; " FOR EQUIFAX TO BLOCK INFORMATION UNDER SECTION 605B OF THE FCRA, YOU NEED TO PROVIDE PROOF OF YOUR IDENTITY, THE SPECIFIC INFORMATION THAT IS THE RESULT OF IDENTITY THEFT, AND A COPY OF YOUR COMPLETE AND SUBMITTED IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION OR POLICE REPORT REGARDING THE IDENTITY THEFT. 

EQUIFAX and XXXX XXXX ARE BOTH IN VIOLATION OF FCRA 605B-15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. IT CLEARLY STATES IN SECTION 3 Significance of block ; IF A CONSUMER REPORTING AGENCY RESCINDS A BLOCK, THE PRESCENCE OF INFORMATION IN THE FILE OF A CONSUMER PRIOR TO THE BLOCKING OF SUCH INFORMATION IS NOT EVIDENCE... .and if im claiming identity theft then you cant verify this account because my information was used. obviously my information was used, BECAUSE IT WAS STOLEN. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND XXXX XXXX  VIOLATED MY CONSUMER RIGHTS UNDER FCRA 15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS. I NEVER GAVE XXXXXXXX XXXX WRITTEN INSTRUCTIONS TO REPORT MY ACCOUNT TO ANY AGENCY.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CO)

XXXX and American Express publishes a false promotion to compensate {$400.00} flight credit on the first purchase with XXXX and up to XXXX miles if the card is spent for more than {$2000.00}. They do not give any of these reward promotion. They keep scamming the customers and passengers. They should stop this illegal promotion activities.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (MO)

Subject : Urgent Notice Regarding Unlawful Credit Reporting - Missouri FCRA and Identity Theft Fraud Laws Referenced Dear LVNV FUNDING, I am compelled to address a grave violation concerning the unauthorized dissemination of my personal credit information to reporting agencies, a clear breach of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Missouri Identity Theft Prevention Act, specifically 570.223. 

It has come to my immediate attention that LVNV FUNDING, Account XXXX : XXXX, has engaged in such unauthorized reporting without procuring my explicit consent. It is imperative to underscore that under federal law, as delineated in the FCRA, the consumer 's consent is an absolute prerequisite for any such reporting activity pursuant to Section 1681b ( a ) ( 2 ).

Furthermore, Missouri state law, particularly the Missouri Identity Theft Prevention Act, underscores the gravity of unauthorized access and misuse of personal information, emphasizing the necessity of explicit consumer consent. 

I wish to unequivocally affirm that I have not provided consent for LVNV FUNDING, Account Number : XXXX, to disseminate any information to my credit report. This flagrant absence of explicit permission constitutes a severe violation of my rights, potentially compromising my creditworthiness and displaying a blatant disregard for federal and state laws. 

I demand, with the utmost urgency, that LVNV FUNDING, Account Number : XXXX, immediately cease any further dissemination of my personal credit information to reporting agencies without procuring my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Identity Theft Prevention Act. Failure to comply within the stipulated 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

It is imperative to understand that procuring consent is not a discretionary action but a legal obligation under these specific provisions of the FCRA, Missouri state law, and identity theft fraud statutes. This is not a negotiable matter ; it is a directive for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and injurious credit reporting practices. 

I anticipate your immediate attention to this matter and trust that LVNV FUNDING, Account Number : XXXX, will expeditiously rectify these egregious violations, upholding my rights under federal and state laws. 

Sincerely,