davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with XXXX, XXXX and Equifax. They are still reporting the incorrect balance information.
Consumer complaint received 2024-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (MS)

On XX/XX/year> Ally Servicing LLC referred my account to their XXXX XXXX XXXX, claiming I didnt pay {$30000.00}. Under the contract I signed, this transaction is the finance of a sale, not a purchase money loan. The credit has therefore already been disbursed. Send me the 1099-C per the IRS, since the debt has been canceled.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

My Name is XXXX i recently got off the phone with XXXX and XXXX his supervisor ( XXXX ) on XX/XX/year> @ around XXXX. I am writing to express my dissatisfaction with the handling of an unauthorized charge on my account. On XX/XX/year>, I noticed a charge of XXXX from XXXX that I did not authorize. I have been a loyal Chase Bank customer for 9 years and XXXX on my business and have never had to report any issues with my account until now. I promptly reported the unauthorized charge to your customer service department. To my dismay, I was informed that I would be charged a {$30.00} fee to stop the payment. This fee is both unreasonable and unjustified, especially considering that I have never before had to dispute a charge on my account. As a valued customer, I expect Chase Bank to take swift and effective action to resolve unauthorized transactions without imposing additional financial burdens on me. I request that the {$30.00} fee be waived and that immediate steps be taken to stop the unauthorized payment and investigate the matter thoroughly. I trust that Chase Bank will address this issue promptly and ensure that such incidents are handled more appropriately in the future. I look forward to your prompt response and resolution of this matter. Thank you for your attention to this important issue. Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-07-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (AZ)

I found a collection derogatory on my credit bureau report. They started reporting in 2023. This is an old bill from a doctor that was invalid. And it was more than 7 years ago. Wakefield never contacted me and then suddenly report this as a new debt. It is invalid. I have disputed with XXXX several times and they just state that the Wakefield validated it. No paperwork, no proof, no records of my doctor visit and insurance. What are their requirements for validating a fake debt?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

PORTFOLIO CREDIT HAS VIOLATED MY RIGHTS AS A CONSUMER AND VIOLATED SEVERAL LAWS THAT IS SUBJECT TO A LAWSUIT. PORTFOLIO CREDIT IS IN VIOLATION OF -15 US Code CHP. 41 1601 - THE TRUTH AND LENDING ACT - 18 USC 1028 A - AGGRAVATED IDENTITY THEFT - 18 USC 1028 A -15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE -15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT - 15 US Code 1681e ( b ) - COMPLIANCE PROCEDURES ; MAXIMUM ACCURACY -15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION - 15 US Code 1692 G - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION -15 US Code 1692 C - VIOLATION OF REPORTING A COLLECTION -15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE -15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS -15 U.S. Code 1681 b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE OF CONSUMER REPORT - 42 U.S. Code 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER -15 U.S. Code 1681 Section 602 ( A ) - RIGHT TO PRIVACY -15 U.S. Code 1681 Section 602 A Section 2 -15 U.S. Code 1602 - Rules and constructions -15 U.S. Code 1681 s -2 - Responsibilities of furnishers of information to consumer reporting agencies -VIOLATION OF ORDER TO CEASE AND DESIST
Consumer complaint received 2023-12-02
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. (WA)

I have accounts showing on my credit report that I did not authorize. I have become a victim of identity theft. I would like these accounts removed from my credit report immediately. These are the following companies below. 

XXXX XXXX Acc # XXXX amount XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Acc # XXXX, amount XXXX XXXX XXXX Account XXXX, amount XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-01-18
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. (FL)

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT The IRS generally considers canceled debt of { {$600.00} } or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over { {$600.00} } which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or supposed to be a factor within a credit report. IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME, IT CAN'T BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSED TO BE! WHEN A CHARGE-OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE-OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE-OFFS OVER { {$600.00} } DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to XXXX, which I have submitted here. Please immediately delete the following account immediately from my credit report! XXXXXXXX XXXX XXXX CHARGE OFF FOR { {$4900.00} }
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (AR)

I have contacted Oportun on several different occasions by phone, email, and mail requesting a validation of this account along with original contract and wet signature showing in fact that I opened and that this account belongs to me after receiving an email that this account had been sold to XXXX XXXX. Oportun has stated they do not own or no longer has this account but reporting on my credit report. and has not supplied the original contract or wet signature for this account and I have contacted XXXX XXXX and they have closed the file and not seeking collections on this account. So If Oportun is not the owner of this account why are they reporting it if XXXX XXXX is the owner of this account and they have stated they are not reporting it to the credit bureau and has closed the case.
Consumer complaint received 2024-01-18
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. (IA)

I recently disputed information on my credit report that did not pass CDIA Metro 2/CSRA compliance. The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact, fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to CERTIFIED METRO 2 COMPLIANCE standards ? I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws provide that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within ten days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial (CA)

account is reported on XXXX WITHOUT any Payment history. I kindly request the removal of all accounts due to inaccurate reporting. I have attached supporting documentation showing the proof. This misinformation has caused significant issues for me, especially as a service member with a security clearance that requires financial stability. Despite having paid the account in full, it is negatively impacting my credit. I urge you to assist in removing these accounts from all three credit bureaus. Additionally, your prompt attention to this matter is greatly appreciated. Thank you for your assistance.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery has false and innacurate information reported to XXXX, XXXX and XXXX account active date ( XX/XX/year> ) does not match with reported payment chart starting on XX/XX/year> XXXX
Consumer complaint received 2024-08-05
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. (MA)

I recently reviewed a copy of my credit report and noticed several inaccuracies that are negatively affecting my ability to obtain credit. I am requesting your assistance in researching these items to ensure their accuracy. Additionally, I have identified accounts that I do not recognize and have never had. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Please find below the items I ask you to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 

I request that you : Investigate these accounts for accuracy and provide me with the results of your investigation. 
Provide copies of any documentation associated with these accounts that bears my signature, authorizing these accounts. 
In the absence of such documentation, immediately delete these accounts from my credit report. 
Please note that you have 30 days to complete this investigation, as per the FCRA section 611. I expect a response confirming the actions taken and the results of your investigation.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

SUBMITTED ADDITIONAL INFORMATION//////THIS IS NOT A DUPLICATE!!!!!! I have multiple times requested the XXXX. Inquiry be removed as this inquiry was unauthorized. There is a non compliance with trans union, violation of the FCRA. ( 15 U. S. C. 1681 et seq ). As well as section 604. Inquiring date XXXX Was removed from XXXX, but is still on my credit report with Transunion.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for XXXX and Experian has No date reported. 
The date of last activity for XXXX XX/XX/XXXX, for Experian XX/XX/XXXX, Date reported for XXXX XX/XX/XXXX, and Experian XX/XX/XXXX Date opened for XXXX XX/XX/XXXX and Experian XX/XX/XXXX Closed date for XXXX XX/XX/XXXX and for Experian there is no date at all. 

XXXX XXXX Last verified by XXXX XX/XX/XXXX, Experian no date, XXXX XXXX date, Date of last activity XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate XXXX {$5900.00} Experian {$5900.00}, XXXX {$6300.00}, Creditor Type : XXXX has Finance/Personal, Experian Auto Financing XXXX XXXX XXXX XXXX  XXXX this is inaccurate. 

Last Payment is inaccurate XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length XXXX 62 month, Experian 62 months, XXXX has no term reported, Last payment XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : XXXX {$1500.00}, Experian : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You
Consumer complaint received 2024-04-09
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. (ID)

I have disputed the same accounts many times to request to be removed cause I don't have access to them or don't use the accounts anymore and nothing is removed or deleted except for they change dates on them or up date the accounts to remain them to stay on longer they don't not do their. Jobs right except for changing dates or inaccurate info they put on the accounts I want the accounts I don't use to be removed
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I bought a vehicle on XXXX I already had financing lined up and check in hand from XXXX XXXX. Regardless of this the dealership shot gunned my credit without my permission and without my knowledge to a lot of other lenders. Both the dealership and I have been trying to rectify this but credit bureau refuses to remove the unauthorized inquiries knowing full well that the unauthorized inquiries were done illegally! And that a letter was sent from dealership explaining this.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My safe deposit box that i am the only one with permission and a key to was robbed for almost XXXX XXXX dollars in cash and money orders, jewelry including my wedding band and engagement ring and alll my important paperwork ids, birth certificates n ss cars for me and my kids and other things I have used that bank the entire 12 years they have been open every one of the people that work in the back to let you in the boxes know me very well and XXXXXXXX XXXX XXXX XXXX XXXX so i strongly believe whoever signed into my box must have known whoever let them in.