davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (AR)

I have reviewed my consumer reports and noticed I have two late payments on an account that i was never late for. The consumer reporting agencies have assured 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 account that I have included screenshot inside this complaint in on dates of ( XX/XX/XXXX, XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-05-25
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX XXXX  XXXX Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX XXXX. The details of the account in question are as follows : - Account Number : XXXX - Account Type : Revolving ( Credit Card ) - Original Creditor : XXXX XXXX  - XXXX : {$5400.00} - Date Opened : XX/XX/2021 - Payment Status : Collection/Chargeoff The issues with this account are as follows : XXXX. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for the past three years. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported in this manner. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. 

2. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

3. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

The Fair Credit Reporting Act ( FCRA ) requires that all information reported on my credit report must be accurate. Continuously reporting this debt as a charge-off while it has been sold to another company and should be recognized as canceled debt is a violation of the FCRA. 

I have previously disputed this matter with the credit bureaus ( XXXX, Experian, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-25
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, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.
Consumer complaint received 2024-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

I randomly received an email from XXXX regarding a debt collection from a company name XXXX as they apparently attempted to collect some type of debt that does NOT belong to me, as I already have insurance plans in place that covers any/all of my medical bills, When I accessed my credit report to find out more information regarding this matter, then I found a credit inquiry as well as a collection record for the amount of {$500.00} as of XX/XX/2024 which I absolutely have no knowledge about. I believe this account was opened fraudulently by a hacker that somehow managed to steal my personal information. 

Im requesting to kindly assist in getting this negative remark removed from my credit profile and resolving this issue as soon as possible. 

Thanks, XXXX XXXX
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2021 ( transaction date ) I made a one time purchase by phone from a TV commercial for One ( 1 ) bottle of XXXX XXXX " Powerful Weight Loss Supplement '' for {$6.00}. During that call the representative asked me for my name, mailing address, email address and credit card info. No other information was exchanged. I received a confirmation email indicating my purchase for a Grand Total of {$6.00}. 

A few days later a bottle of these pills arrived in a small box which had nothing in it but the bottle of pills -- no receipt, no other pertinent information. NO additional info had been provided regarding any future purchases, future billings, need to cancel anything or period of time in which to do it. To the best of knowledge we had reached the end of our transaction agreement. 

Then on XX/XX/2021 an additional charge of {$96.00} was added to my account from the same vendor identified as XXXX. In the course of future conversations with both the Complaint and Fraud Departments at Capital One Visa, I learned this was a drive-in market in West Virginia XXXX I knew I hadn't been in the state in many years, so I originally denied making the purchases. It was only after getting more info from a Capital One representative that I was able to connect this market with the purchase of the XXXX pills. I then acknowledged the XX/XX/XXXX purchase for {$6.00}, but have remained adamant throughout that I agreed to no further charges and no further merchandise was ever sent to me. 

I contacted Capital One on multiple occasions during the last few months and have had numerous conversations with both their Dispute and Fraud Departments. The charge would be removed, then added back on. No credible proof has ever been provided me corroborating any agreement to a further purchase or further charge, and I never had made any such agreement. ( See XX/XX/XXXX letter to me from Capital 1 which states : " Information we discovered leads us to believe you or another account user benefited from the transactions '' ). I did benefit from the original purchase of {$6.00}. I received nothing, nor did I expect to, for the additional purchase of {$96.00}. I have received several letters from Capital One which, though ambiguous, led me to believe the claim had been settled in my favor. As recently as XX/XX/2021, I received a letter from Capital One requesting further information. I completed the form and faxed it in along with the email receipt for the initial purchase of {$6.00}. 

Attempts I made to work directly with the vendor proved fruitless since they refused to discuss it and referred me back to Capital One. As recently as XX/XX/2021 I spoke with " XXXX '' who told me they were opening a " new dispute ''. On XX/XX/2021 I received a letter saying they ( Capital One ) can no longer help me as they have only 60 days to dispute a claim with the vendor.
Consumer complaint received 2024-05-25
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)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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. Any other adverse item of information, other than 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 computer reporting agency if the person knows or has reasonable cause to believe that the information.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
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. (OH)

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 3rd party. They in fact did not come from a 3rd 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 2023-03-13
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. (OK)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-07-23
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (NY)

Received a letter from them stating I owed 2000 to XXXX XXXX XXXX university. I reached out to XXXX XXXX XXXX university separately and they proceeded to call my place of employment.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I requested for correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses which I classify as frivolous, you have dishonored FCRA regulations. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct 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
Consumer complaint received 2024-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

The following fraudulent withdrawal was allowed from my savings accound by bank of America : Posting dateXXXX XXXX XXXX Description XXXX  XXXX XXXXXX/XX/XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TypeDebit StatusCleared Amount- {$9200.00} DescriptionXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I live between XXXX and XXXX XXXX . I have not been in XXXX XXXX. I was not notified by text or email about the withdrawal or requested a code to be texted at my phone. I have not been notified from the fraud department when my money are going to be reinstated in my savings account.
Consumer complaint received 2024-05-25
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. (MD)

I reviewed my credit report and noticed several unauthorized inquiries indicating possible fraud. Despite my repeated efforts, I have been unable to get these inquiries removed. Please find attached my FTC Identity Theft report and dispute letter for your reference and further action.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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. (FL)

FCRA 605B obliges you to eliminate any inaccurate accounts from my credit report. This is incorrectly listed in my credit file, so please delete it. I am due {$1000.00} for each inaccuracy on my credit file.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is Capital One in the amount of {$550.00}, and it is being reported as a result of identity theft. 

I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. 

To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). 


I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. 

Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-25
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. (NC)

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Consumer complaint received 2024-05-26
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. (TN)

In accordance with the fair Reporting act. This creditor has violated my rights.

Under 15 USC 1681. Section 602 states I have the right to privacy. 15USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purposes.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

The following items needs to be removed immediately, I am unaware of this debt. I never received any notification that I owe this debt. Please validate this debt with the certified mail tracking number and receipt with my signature on it and proof that I was given notice within XXXX calendar day. The creditor can not place anything on my report that I did not have the opporunity to correct prior to placing it. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
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. (AL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TX)

During the first week of XX/XX/2020 I moved houses and asked XXXX XXXX XXXX to transfer my internet services to my new house. I took my modem and wires to my new house too. XXXX XXXX XXXX doesn't charge for transfer of services when moving homes. 

However, XXXX XXXX XXXX continued to charge me for internet services in my old house and my new house even though there was no services going to the old house. They also charged me for an installation fee in the old house. 

I terminated my services with XXXX XXXX XXXX in my new house due to subpar service and one continued issue after the other in XXXX. 

It was then that I found out about the existing charges in the old house when Credence Resource Management LLC contacted my about debt collection. The amount to be collected was {$190.00}. I called XXXX XXXX XXXX about this and I have an audio recording ( with their knowledge ) of them admitting to their error, accepting that they made a mistake, but telling me there is nothing they can do and I should pay anyway. I have attached a snippet of the audio recordings of my conversation with XXXX XXXX XXXX. 

This is beyond unprofessional. It shows a lack of integrity, accountability and ethics.