davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kovo (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (KS)

On XX/XX/year> I sold an item to a customer who asked to pay {$10.00} using the Chime XXXX XXXX XXXX XXXX feature. I received a text message from Chime Financial with a link to claim the money. I tried to claim the money using a debit card and failed with an error message. I tried to claim the money using a second debit card and failed again with an error message. I created a Chime account and tried to claim the money by transfer into a Chime account and the claim failed without any error messages and my balance shows XXXX. 

On XX/XX/year> I called Chime support and when I reached a support person they hung up on me. 
I called Chime support a second time and reached a person who said that they can see a problem with the XXXX XXXX XXXX XXXX feature, but that they can't fix it. They suggested that I find the person who sent the money and ask them to send it again. The support person then lied to me by saying that the link came from the person 's phone number and not from Chime 's phone number. After asking how to proceed, the support person hung up on me. 

I still have not been able to receive the {$10.00} payment, and chime claims that it will " expire '' on the XXXX.
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-01-05
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. (NJ)

XXXX XXXX XXXX  Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal Subject : Demand for Removal of Charged-Off Accounts from Credit Report and Credit Profile To Whom It May Concern : I am writing to demand the immediate removal of any and all reporting charged-off accounts from my credit report and credit profile. Upon review of my credit profile and most recent credit report, I have noticed that these charged-off accounts are inaccurately reflected, and I am demanding their suppression and deletion based on specific legal grounds. 

According to the Internal Revenue Service ( IRS ) guidelines and federal case law, charge-offs are considered taxable income. In accordance with federal taxation statutes and established case law, income is defined as an accession to wealth, clearly delineated under the Sixteenth Amendment of the United States Constitution. Furthermore, case law, such as the landmark Supreme Court case Commissioner v. Glenshaw Glass Co. ( 348 U.S. 426 ), solidifies the principle that income encompasses any accession to wealth, regardless of source, and is subject to taxation unless explicitly exempted by law. 

Given the aforementioned legal precedent and IRS classification of charge-offs as taxable income, it is evident that reporting charged-off accounts as part of one 's credit profile is erroneous and misleading. Charge-offs do not reflect ongoing financial obligations or active credit balances but rather constitute a tax consequence that is separate from the creditworthiness of an individual. 

I am hereby demanding that the charged-off accounts listed on my credit report be promptly suppressed and removed in adherence to federal law and the established legal understanding that charge-offs should not be part of one 's credit profile due to their classification as taxable income by the IRS. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the accuracy and fairness of the information contained in consumer credit reports. As such, I expect your agency to take immediate action to rectify this discrepancy and expunge the aforementioned charged-off accounts from my credit report within 30 days of receipt of this letter. 

Failure to comply with this request within the stipulated timeframe will leave me with no choice but to pursue legal action to enforce my rights under the FCRA and seek remedies for the inaccuracies present in my credit report. 

I appreciate your prompt attention to this matter and expect a written response confirming the removal of the charged-off accounts from my credit report within the specified timeframe.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (PA)

My account with ROCKET MTG was never late! I have had exceptional payment history with ROCKET MTG and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


ROCKET MTG Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (MD)

Subject : Formal Complaint Against Sunrise Credit Services for Failure to Provide Documentation and Fraudulent Account Reporting. 

I am writing to file a formal complaint against Sunrise Credit Services regarding their handling of an account that they have reported as mine. Despite my efforts to seek validation of this account, Sunrise Credit Services has failed to provide me with the necessary documentation. I want to reiterate that this account is not mine and is a result of fraudulent activity. 

On XX/XX/year>, I emailed Sunrise Credit Services requesting documentation to verify the legitimacy of the account in question. However, to date, I have not received any response from Sunrise Credit Services, nor have they provided the requested documentation to validate this debt as mine. 

In addition to their lack of response to my email, Sunrise Credit Services has also failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These violations include : XXXX. Failure to provide accurate and complete information about the account. 

XXXX. Failure to conduct a reasonable investigation after receiving a dispute from a consumer. 

XXXX. Reporting inaccurate information to credit bureaus without verifying the accuracy of the information. 

XXXX. Failure to provide a method for consumers to dispute inaccurate information. 

I am deeply concerned by Sunrise Credit Services ' lack of transparency and their disregard for consumer rights. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Sunrise Credit Services for their violations of consumer protection laws. 

As a consumer, I have the right to request and receive documentation that substantiates the existence and ownership of any debt being pursued by a collection agency. It is imperative that Sunrise Credit Service complies with this request in a timely manner to ensure fair and lawful treatment in this matter. 

To clarify, all of the following documentation is required to substantiate the legitimacy of the collection account in question : XXXX. A complete account statement detailing the original creditor, the amount owed, and the date of delinquency. 

XXXX. Copies of any contracts or agreements related to the debt with my signature. 

XXXX. Proof of ownership of the debt by Sunrise Credit Service. 

XXXX. Verification that Sunrise Credit Service is licensed to collect debts in my state. 

XXXX. Any other relevant documentation supporting the collection account 's validity. 

If Sunrise Credit Services is unable to provide the necessary documentation to validate this debt as mine, I demand that they immediately delete this account from all credit reporting agencies to which it has been reported. Failure to do so will result in further action being taken to protect my rights as a consumer.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (MS)

Called the consumer credit line and requested the review and removal unauthorized inquiries made by these companies Feb Destiny ( concord credit ) inquiry : XXXX. XXXX, XXXX unauthorized inquiry XXXX XXXX inquiry : XX/XX/2024 did not contact this company no number found on credit report only address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX  made an unauthorized inquiry on XXXX XXXX called this company and the automated service advised to call the credit bureaus for dispute XXXX XXXX Location XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX inquiry Requested On XX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account was deleted, how could they update something as factual and investigate something in XXXX when it say it was last reported XX/XX/XXXX on my credit report. Please see attachments below the account was also deleted but still reporting.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (IL)

I asked the company to close my account after paying the illegally charged {$33.00} on the last statement and now I have another statement that just came in on what is supposed to be an already closed account. The company said they would yet Im still being charged interest on a CLOSED account. Next step : seeking legal counsel and pursuing appropriate authorities as this has now become flagrant and obvious manipulation. This is my final complaint towards this PIECE OF XXXX COMPANY.
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (TX)

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 15 USC 1681. 

XXXX XXXX : XXXX has violated my rights. 

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 a 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, other than records of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (GA)

I filed a dispute with XXXX on XX/XX/2024 regarding an issue with getting a loan that I obtained to purchase a product from XXXX XXXX merchant on XX/XX/2024. I sent an e-mail on XX/XX/2024 and XX/XX/2024 to ask for the product to be delivered. I received no answer. I subsequently sent a follow-up to cancel the request on around XX/XX/2024 to cancel. I have received no response from the merchant as of XX/XX/2024. 

As such, I submitted the previously mentioned dispute on XX/XX/2024 with Affirm, in which they resolved the dispute in the merchant 's favor on XX/XX/XXXX with no explanation. I sent a request online with an online chat rep for a reason on XX/XX/XXXX and they mentioned I would get an update within XXXX days. I have yet to receive a reason for the decline. I have since followed up with a phone call on XX/XX/2024, to request a refund for the XXXX loan and an explanation of why the dispute was resolved in the merchant 's favor, since I haven't received the product I got the loan for the date. XXXX  is threatening me with reporting me to the credit bureau for a product that I haven't received. 

I have sent to XXXX a copy of the XXXX e-mails that I sent to the merchant.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (PA)

Date opened XX/XX/year> I am writing to file a formal complaint against Sunrise Credit Service for their violation of my rights as a consumer. I believe that their actions are in direct contravention of the following federal laws : 1. 12 CFR 1006.34 ( B ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors, including but not limited to harassment, false or misleading representations, and unfair collection practices.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : This provision states that debt collectors can not engage in any conduct that is likely to mislead or deceive consumers, including the use of false, deceptive, or misleading representations or means in connection with the collection of any debt.

3. 12 CFR 1006.34 ( D ) : This regulation prohibits debt collectors from engaging in any unfair practice in the collection of debts, such as taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possession or ownership of the property claimed as collateral through an enforceable security interest.

4. 15 USC 1681-S 2 ( 7 ) ( a ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies and furnishers of information, like Sunrise Credit Service , from furnishing information about consumers to credit reporting agencies that they know or have reasonable cause to believe is inaccurate.

I have experienced the following violations of my rights by Sunrise Credit Service : 1. [ Describe the specific actions or practices by Sunrise Credit Service that you believe violate the laws mentioned above. ] I have made multiple attempts to resolve this matter directly with Sunrise Credit Service but have been met with resistance and disregard for my rights as a consumer. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in rectifying this situation.

I kindly request that the Consumer Financial Protection Bureau let Sunrise Credit Service know I'm revoking all rights of communication with me via email, text, and calls. Im also requesting debt validation, and Purchasing Agreement between them and the original creditor.

I firmly believe that by holding Sunrise Credit Service accountable for their actions, we can protect the rights of consumers and promote fair, transparent, and ethical practices in the credit industry.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this complaint promptly and effectively. I look forward to a favorable resolution and the protection of my consumer rights.
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: Conn's, Inc. (TX)

I am writing with grave concern regarding a derogatory rating that appears on my credit report. This negative mark has caused me significant distress and XXXX due to its detrimental impact on my credit standing. It has already adversely affected me, leading to the denial of a recent loan application as well as increased interest rates on my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted, and will continue to inflict until it is properly remedied.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of a debt from my credit report due to the failure of XXXX XXXX XXXXXXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX XXXX XXXXXXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX