davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-06-04
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: SUN LOAN COMPANY INC. (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX Texas Laws Dear SUN LOAN, 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 ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has unequivocally come to my attention that SUN LOAN 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, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for SUN LOAN 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 SUN LOAN 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 Sections 392.301 and 392.305 of the Texas Finance Code. 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, Texas state law, and identity fraud laws. 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 SUN LOAN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (TN)

Seventh Ave Stated I Contacted Them On XX/XX/XXXX Asking Is The Account Was Paid In Full Will It Be Deleted That Is A Lie Why Pay Something And Than Delete It On My Credit Report It State Account Open XXXX So I'm Confuse XXXX On XXXX I Was Living In XXXX When I First Ask About The Address It Was A Mississippi Address The Lady Said She Was Sending Me A Letter Saying It Was Removed I Gave Her My New Address Okay When I Called About It Again They Gave Me My New Address I Said I Gave You All My Address Because I Was Suppose To Received A Letter Saying It Was Deleted When I Called Again They Said And Account Was Open In XX/XX/XXXX Just Lie After Lie
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Information Bureau, Inc. (FL)

XXXX XXXX provided XXXX XXXX in the end of XX/XX/XXXX and incorrectly billed me {$900.00} in XX/XX/XXXX. After a discussion with XXXX XXXX the amount was eventually reduced to {$81.00} which was promptly paid in full on XX/XX/XXXX. In that short time, while waiting for the adjusted bill I was sent to collection. I have disputed the amount and status of the account with XXXX   who sent a request to the billing company, XXXX XXXX XXXX, who claims {$900.00} is still due!
Consumer complaint received 2023-08-31
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. (WA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-09-04
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$790.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00}
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
I submitted my first complaint on XX/XX/2023. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with Capital One Auto Finance XXXX I have been making payments on my auto loan for the vehicle financed through Capital One Auto Finance. My current balance, according to my latest statement from Capital One Auto Finance dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, Capital One Auto Finance is engaging in practices that cause undue harm and stress to me as a consumer.

I have contacted Capital One Auto Finance to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence.

I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NV)

I am filing a complaint regarding Chase Bank 's recent reduction of my credit line. This action was taken without prior notice and has adversely affected my credit utilization ratio and financial stability. This sudden reduction occurred right before XXXX XXXX weekend and impacted not only myself but also a cohort of other customers. 

Key Issues : 1. Lack of Notice and Justification : Chase reduced my credit limit without any prior notice or adequate justification.

2. Adverse Impact on Credit Score : The reduction has increased my credit utilization ratio, potentially harming my credit score.

3. Inappropriate Timing : The timing right before a major holiday suggests a strategic move by Chase to manage their liquidity at the expense of their customers.

4. Disregard for Consumer Loyalty : Despite my strong credit history, high earning potential, and promising job prospects, this action reflects a disregard for customer loyalty and financial health. 

Request : I request an investigation into Chase Bank 's practices to determine if they violate any consumer protection regulations. 

Specifically, I urge an examination of : - The criteria and process used by Chase to determine credit line reductions. 
- The communication and justification provided to affected customers. 
- The impact of these actions on consumers ' credit scores and financial stability. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-04
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (MN)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. These entries inaccurately reflect my credit history. Compensation of {$1000.00} is due for each such erroneous entry on my credit record.
Consumer complaint received 2024-01-18
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. (PA)

I have Opt-Out from XXXX XXXX XXXX XXXX and set a letter on XX/XX/2024 which is attached to this complaint. See previous CFPB complaint # XXXX regarding this.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

I was repeatedly contacted through text and phone calls by a collections agency from XX/XX/2024 until present day XX/XX/2024 at XXXXXXXX XXXX receiving the same text message from the same phone number from dates also including XX/XX/2024, XX/XX/2024, XX/XX/2024 and several more dates throughout XX/XX/2024. The amount that I am victimized of harassment by this agency is {$770.00}. I filed a dispute recently with this agency.
Consumer complaint received 2024-07-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Chrysalis Holdings LLC (FL)

After getting their letter, in the mail dated XX/XX/year>, I called them on XX/XX/year>, and they told me they could do this without giving me the time I needed. In their letter and to me over the phone, they lied and took out the payment, when I was working with the new mortgage company ( XXXX XXXX  ), over the phone on XX/XX/year>. XXXXXXXX XXXX  was working with me, and we were waiting for the full transfer on my new account, which would take place on XX/XX/year>. 
I have a copy of the New Day USA letter. 

By New Day taking out the funds, left my bank account with less money to pay my other bills, and had to pay many {$30.00} NSFs and checks returned to my car insurance and car payment companies. Now I am behind and have fewer funds.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WI)

We were victims of identity theft back in XX/XX/XXXX at Wells Fargo Bank, I filed a XXXX page CFPB complaint and XXXX attachments ( case number XXXX. ) The bank sent an official reply of XX/XX/XXXX and proclaims the case is closed. ( Wells Fargo case number XXXX. ) The case is not settled and Wells Fargo should remain accountable for a cashiers check they advised they mailed to the impersonator XX/XX/XXXX ( check was dated XX/XX/XXXX ) in the amount {$1400.00}. The check was cashed and we are still awaiting the funds to be returned. 

In Wells Fargo 's XX/XX/XXXX letter they advised the claim amount checks were mailed to the address XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. I submitted a copy of the check the check was not mailed to the address they claim but to the impersonator 's address. 

The check was forged and cashed. Wells Fargo has advised they are seeking the funds from the company that cashed the check. This should be Wells Fargo 's responsibility to return the funds to us as they mailed the check to the wrong address and the check was cashed. I had called the bank on XX/XX/XXXX to confirm they had the correct address and again on XX/XX/XXXX to confirm the check was mailed. They confirmed the check was sent, but advised me it went to the impersonator 's address. When I received a copy of the forged check, I noticed the issue date was XX/XX/XXXX. They could have easily stopped payment on that check. 

The response to my original complaint by Wells Fargo on XX/XX/XXXX is very vague when it comes to details. Their lack of specific details makes this case look more favorable on their behalf. My original complaint and their reply do not coincide in many areas. To add insult to injury, on XX/XX/XXXX I receive a letter from Wells Fargo that I XXXX be a victim of identity theft that actually occurred early XX/XX/XXXX. The same day Wells Fargo sent me another letter regarding potential identity theft along with a kit regarding steps to take.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (TX)

I previously spoke with JP Morgan Chase regarding a business Credit card debt reporting on my personal credit report. The balance is {$18000.00}. I have received letters and phone calls after asking to be put on the do not call list. The information that is reporting on my personal credit report is inaccurate and causing a negative impact. I am not liable for the debt owed to this company.