davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

I am writing you with this formal objection to the information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/investigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting. 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably complaint with XXXX reporting standards, you are in violation of the required permission to report a single aspect of notation of any alleged accounts, much less a public records that was not even reported to you by the alleged Court of Records. I formally contest the portability of the alleged Public Records. Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Date filed XX/XX/year> Reference XXXX Closing date XX/XX/year> This Public Records item is deficient ad reported, and Per Federal reporting regulations all claims Must be to the maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from XXXX FORMAT compliance since, per the XXXX, DNP XXXX Any deviation from these standards jeopardized the integrity of the data. Unfortunately, it appears that you do not have reasonable procedure in place to assume accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
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: EQUIFAX, INC. (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax, XXXX, & XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, Account XXXX : XXXX
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with XXXX XXXX. XXXX XXXX approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.
Consumer complaint received 2024-06-18
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: Bread Financial Holdings, Inc. (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina Laws Dear CCB/CHLDPLCE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specific to Hope Mills, North Carolina .

It has unequivocally come to my attention that CCB/CHLDPLCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore,
North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CCB/CHLDPLCE to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CCB/CHLDPLCE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable North Carolina statutes . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CCB/CHLDPLCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Hello, how are you? My name is XXXX XXXX, and I am contacting you about XXXX, XXXX, and Experian. I have been contacting them, in regards to this fraud extended freeze on my credit report. I have requested it be removed, to no avail ; I also wasn't notified that it was being put on my credit nor did I ask for it. 

Experian particularly has still not updated my information properly, down to not reporting the correct scores from the other bureaus. 

XXXX. My credit score is XXXX on XXXX when I log into my account, however Experian is reporting it considerably lower ; at XXXX. They have also been ignoring my disputes, and requests blatantly even when being provided proof. 

At this point it's becoming extremely stressful, having to micromanage my own reports.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was contacted and lied too with information that was very personal. Between the information and the access to my account without me giving It to them I thought It was XXXX. 

Based on that information I transferred money to Cashapp. The total amount was a little over {$1700.00}. 

But there were XXXX ways the scammers got the money. The first way they accessed my account and withdrew {$900.00} + on a debit card that wasnt mine without me knowing. They had access to my account to change things. 


While that was happening I was tricked into paying out {$700.00} * dollars to that my account. 

After those were done account was closed and wasnt able to do anything. Cashapp is well aware of the scams when I got in touch with them they told me everything before I could explain. 

They reviewed the account and told me because of the withdrawal ( how and where It was done ) shows that It wasnt me so theyll do an investigation and get back to me. 

In a short period of time they contacted me and told me no actions will be taken and to reopen case reactivate my account. The account was closed and incapable of being open.
Consumer complaint received 2024-06-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I had a really unfortunate situation in a building where I was renting an apartment. This was during XXXX. I'll spare you all of the details as I am not seeking pity but I had to leave this building due to unruly neighbors who were drinking and partying XXXX during the lockdowns of XXXX. I also had an incident occur in the elevator with another dog attacking my dog. The building management did nothing to help me, I think they were completely overwhelmed and unprepared to handle the pandemic. I can not and do not blame them for that but I also would expect understanding as to why I left when I did. It was unbearable and i did fear for my safety.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MD)

On XX/XX/year> & XX/XX/year> Kikoff reported late payment on my credit report and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX a deposit of XXXX was made into our USAA account from a bank in XXXX which I do not have. Then the same day XXXX was taken out of the account and put into the XXXX XXXX According to USAA it was my account but after calling the bank they stated I had no account there. USAA is refusing to give me my money back saying it was not fraudulent and I just got scammed. I have had it rereviewed several times and they are still refusing stating I am still liable for the XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (MI)

Loan was behind on payments, creditor requested past due amount be paid by XX/XX/XXXX or account would be charged off. Payment was made in full for past due amount on XX/XX/XXXX, effective XX/XX/XXXX. Creditor charged loan off and is reporting as past due collection. Payments since have been on time however creditor is reporting as past due collection. 

I am unable to get XXXX XXXX loan for my daughter having this on my credit. Knowing this is why I made sacrifices to get loan paid current by deadline. Highly disappointed they chose to put in collections despite receiving payment by date requested.
Consumer complaint received 2024-06-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (NY)

I contacted NCB management regarding the account that XXXX XXXX XXXX sold to them. When speaking to the supervisor, I asked for documentation validating the debt and also why they are not accepting any payments to alleviate the debt or get the debt removed. The agent told me that they can not provide me with information that I have to contact my state representative. Being that I didnt get this information Im not able to Understand what is happening with this account and why its still reporting on my report if they do not want any business with me.
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (AL)

Today around XXXX central time, my CashApp account was locked due to fraudulent activity. I tried emailing, chatting, and calling CashApp without a resolution. The only automated message that I get is to wait 24-48 hours which I do not have the time to wait that long as I have bills due TOMORROW MORNING!!! Everything that has happened on my account has been authorized by ME! That includes any login attempts and transactions. Cash app did not give me the option to even verify my information so that I can access my account again which I believe is highly unfair to keep someone from THEIR OWN money that they worked hard for!!!! I have over {$200.00} that is untouchable at this moment in my account. All that I ask for to solve this is for CashApp to immediately/as soon as possible unlock my account and ask me for verification which I can provide. That is ALL I ask for to solve this problem or further action will have to be taken.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from XXXX  XXXX in XXXX XXXXXXXX XXXX I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XX/XX/year>, I discovered that my identity had been compromised when I noticed an unauthorized car purchase amounting to {$6400.00} on my credit report. Realizing the severity of the situation, I immediately took several steps to address the issue. First, I contacted the credit reporting agencies ( Equifax, XXXX, and XXXX ) to report the fraudulent activity and place a fraud alert on my credit files. This alert notified potential creditors to take extra precautions before approving any new credit in my name. 

Next, I filed a detailed dispute with each credit bureau, providing them with evidence that the transaction was fraudulent. Additionally, I reached out to the creditor listed on the report to inform them of the unauthorized purchase and requested an investigation. To further protect myself, I reported the identity theft to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and filed a police report to create an official record of the incident.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OneMain Finance Corporation (MD)

I've been working with XXXX XXXX from One Main Financial. I am trying to get a personal loan from this company. XXXX XXXX advised me due to my credit I would have to take insurance on my loan in the case I defaulted on the loan. I paid {$250.00} on XX/XX/year> through a wire transfer to a XXXX account for XXXX XXXX Once that money was received I was then advised I had to pay another {$500.00} for XXXXXXXX XXXX transfer taxes. Once that was said I realized I was being scammed. I requested both XXXX XXXX and/or XXXX refund me my {$250.00}. I was told they couldn't. XXXX XXXX said he would look into the matter and get back. Spoke later on XX/XX/year> to XXXX XXXX who advised they couldn't refund my money since it was completed but he would work with me about {$500.00}. He said that if I paid the {$500.00} they would gift me {$500.00} more on my loan to cover this charge. I told him no that I thought it was a scam. XXXX XXXX said he would get back with me in sbour XXXXXXXX XXXX It's been XXXX hrs and no calls. When I call him he doesn't answer. I've called my bank and there's nothing they can do to refund me my money. I've called One Main Financial consumer XXXX and they advised there is no XXXX XXXX that works for them. I have XXXX XXXX 's cell number and XXXX XXXX ID if needed. I've been scammed out of {$250.00}. I just want my money back.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (PA)

I am writing to formally dispute inaccurate information that appears on my credit report as maintained by XXXX. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 
Report NumberXXXX XXXX & CAINE & WEINER reports this accounts is POTENTIALLY NEGATIVE when in fact this account has been settled since 2023. CAINE & WEINER in return was supposed to delete this off my credit report but instead left it on my credit report! Now I've disputed with XXXX stating this account is inaccurate. But their was response were it's Accurate and Verified! Okay so here 's the problem either XXXX is lying or CAINE & WEINER. by law under the FCRA act and FDCPA I have the right to sue both business for reporting Fraudulent information. This is damage to my credit worthiness moving forward for future loans or home purchase. This needs to be removed from my credit report immediately.

Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA mandates accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681i ( a ) ( 5 ) : Details the procedure for the deletion of inaccurate, incomplete, or unverifiable information.

Specific Dispute Details : I am disputing the following inaccurate information on my credit report : Account/Item Name : CAINE & WEINER Account Number : XXXX Specific Inaccuracies : Paid, Closed. 
This information is incorrect and must be investigated and removed. 

Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or e-OSCAR verification methods.

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 ( 1 ) that the foregoing is true and correct.

Supporting Documentation :
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am disputing the accuracy of the late/missed payment entries on my credit report maintained by your reporting agencies. Despite my efforts to ensure timely payments, there are inaccuracies in the reporting that negatively impact my credit score. According to my understanding, credit bureaus are required to complete a thorough XXXX inspection before adding any late or missed payments to a consumer 's credit report. This inspection process is crucial to ensure that the information reported is accurate and corresponds to the date of receipt of payments or letters from consumers. 

In my case, the necessary XXXX inspection seems to have been overlooked, resulting in the incorrect reporting of late/missed payments. This has caused unjustified harm to my credit profile. I have not received any confirmation that these reporting agencies conducted this comprehensive inspection prior to reporting these late payments. Therefore, I am requesting verification and validation of these entries.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TN)

I always pay my balance in full each month. 
On XXXX 's statement, I paid in full and had a {$0.00} balance. On XXXX 's statement, charges started going to a separate 'Pay over time ' feature that I did not sign up for. So, on my account, these charges did not show up as part of my balance to pay. I now see I have been charged {$110.00} of interest charges. 

I have been with Amex for 20+ years and have never paid any interest fees. This is an error in this 'pay over time ' system that they signed me up for.
Consumer complaint received 2024-09-05
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 hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore.

1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :