davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a bankruptcy account with the account number 2040288. I believe that this information is in violation of federal law, as outlined in 15 USC 1681.

Upon reviewing my credit report, I noticed that the bankruptcy account mentioned above is listed, and it is inaccurately reported..

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false bankruptcy information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX  account ( Account XXXX XXXXXXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information.

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner.

Sincerely,
Consumer complaint received 2024-04-21
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. (MS)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section : It also states a consumer reporting agency can not furnish a account without my written istructions. 

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 then 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 2023-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

My partner was suffering from XXXX XXXX and I called XXXX repeatedly. Once they arrived, he convinced them that I was starting fires and they refused to leave my home until I went in the ambulance with them and drove two blocks to the hospital. They took my ID card from my wallet and told me I would not be charged for this ride and that I could leave as soon as w arrived, which i did. Months later I get this debt, immediately called and told them the situation and they said they would take care of it. In the process of buying a new home and frankly I was surprised to see this still on. my credit report. This so ludicrous and I want it expunged immediately, if not compensation for dragging my credit score down all these years.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (OH)

After the vehicle was deemed a total loss resulting from an accident Exeter finance continued to report late payments to the credit bureaus for over 90 days. All payments from the insurance company were made with 30 days. The GAP insurance covered the remainder of the balance after 45 days. Exeter continues to charge me interest and fees they claim I owed after all payments were made. I sent them another {$450.00} and a signed statement document on XX/XX/XXXX. The continue to hold the payment until it reported at being 90 days late.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Someone used my social security number to open a Bank of America credit card under my name WITHOUT my permission. I believe this to be identity theft. Also used an address that I have never lived at before. I do not associate with address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX. This is not my address and has never been my address
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 morning I tried using my everyday card to get some breakfast and my card didn't go thru. I contacted Chase and was informed my account was districted and close due to suspicious fraud activity. That i will received a cashiers check in 10 business days. I was upset because I was never informed of this and all my money that I have to my name was in this account. They wouldn't provide a reason on why they closed my account or what was suspicious about the account. I was giving no warning till the morning of this incident.
Consumer complaint received 2023-09-23
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. (CA)

I am submitting this complaint to bring attention to the severe inaccuracies present on my credit reports related to XXXX  XXXX account. Specifically, I am disputing the inaccurate dates associated with XXXX  XXXX account XXXX. These discrepancies involve the last active date, last reported date, and date opened for both accounts. 
- The inaccuracies in the dates reported by the credit bureaus, namely XXXX, XXXX and TransUnion, have led to a severe and detrimental impact on my creditworthiness. 
- The reported inaccuracies represent clear violations of the Fair Credit Reporting Act ( FCRA ) in the following ways : - FCRA Section 1681s-2 ( b ) : This section mandates that furnishers of credit information provide accurate and complete information to credit reporting agencies. The discrepancies in the dates associated with the XXXX account are a breach of this obligation. 
- FCRA Section 1681i ( a ) : This section requires credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. The inconsistent and incorrect dates are evidence of a failure to conduct such an investigation. 
- FCRA Section 1681e : This section stipulates that credit reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The discrepancies in dates on my report indicate a failure to meet this requirement. 
- These legal violations have not only compromised the integrity of my credit reports but also infringed upon my rights as a consumer. The inaccuracies have adversely affected my creditworthiness and financial standing, making it challenging to access credit and financial services.
Consumer complaint received 2023-08-31
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. (FL)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (NM)

The " resolution '' to complaint XXXX is unacceptable. 

I hereby quote the full text I sent to Optum Bank on XX/XX/XXXX : " '' '' Effective XX/XX/XXXX, please close account # XXXX. As of this date, I revoke all authorization for Optum Bank to serve as custodian or in any other way administer this account in my name. I revoke all authorization for XXXX Bank to contact me by email or other electronic methods, including text message and phone call. Please send confirmation of the closure of this account via USPS first-class mail no later than XX/XX/XXXX. 
" " '' I very clearly revoked authorization for Optum Bank to send me electronic communications. I never received any message to the email address associated with that account -- " XXXX '' Optum Bank is once again lying in their reply stating that " On XX/XX/XXXX, we received your email request and we responded via email confirming that your account had been closed with no further issues noted ''. 

I will continue submitting complaints until I receive a written confirmation of account closure mailed via USPS first class mail. 

Please note that my revocation of any form of electronic communication with Optum Bank is still in effect. 

Original complaint text : On XX/XX/XXXX, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/XXXX ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. This is unacceptable, and is yet another example of Optum Bank 's poor customer service.
Consumer complaint received 2024-04-18
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. (IN)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I have power of Attorney of my Sister XXXX XXXX she is paralyzed the bank verified everything before i deposited the checks in my account she signed over to me They closed my account after the checks cleared and said they would send my money cashiers check now they will not send it and said they have to verify my sister by phone listed in her name she has a number and account with XXXX XXXX XXXX and still they say no. I have to pay her mortgage and bills and on the verge of being put out, they refuse to see her in person at the bank so she can tell them that she did sign the checks to me. Please this is life and death i need to pay her bills
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

From XXXX. someone had used my debit/bank card ending in XXXX at various places such as ATM 's, gas statins, XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX, etc. This card and its information was in a seperate wallet that i do not carry with me at all times and was kept at home along with my PIN numbers and passwrds for this account and many others. All transactions are unauthorized or fraud as they were conducted without my permission and I have not received any benifit from. I have promptly notified US Bank and that I hall have zero liability for these transactions. There are additional transactions made onlince of which I need to file and report with IC3.GOV per your advise. My card was stolen. I last used and saw my debit card on XX/XX/19 either at US Bank or XXXX. And then I never saw again. 
Police report has been filed and attached.
Consumer complaint received 2023-08-04
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: ENCORE CAPITAL GROUP INC. (MD)

I keep getting these updates from collection agencies that I do not owe at all this is under the law 15 usc 1681 XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX All these are reporting opened accounts but they are closed and its tarnishing my character and Im trying to purchase a home and cant do so because they are reporting false information about me
Consumer complaint received 2024-04-21
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. (CO)

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for XXXX XXXX as reported by TRANSUNION. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Mailing Address : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Violation of 15 USC 1666 - Demand for Removal of Negative Account from Consumer 's Credit Report Dear Sir/Madam , I am writing to address a serious matter regarding the consumer credit transaction and the violation of federal law as outlined in 15 USC 1666. It has come to my attention that LVNV Funding LLC has reported a negative account on my credit report, despite the fact that the debt was charged off or written off for profit by the original creditor. I am hereby demanding that LVNV Funding LLC immediately removes the account from my credit report in compliance with federal law.

Under 15 USC 1666, consumers are entitled to certain rights and protections in credit transactions. It is crucial that creditors and debt collectors adhere to the provisions set forth by this federal law, ensuring fair and accurate reporting of consumer accounts.

In this case, the debt associated with the aforementioned account was charged off or written off for profit by the original creditor. Therefore, it is a direct violation of 15 USC 1666 for LVNV Funding LLC to continue reporting this negative account on my credit report.

I hereby demand that LVNV Funding LLC takes immediate action to remove the account from my credit report within three ( 3 ) days of receiving this letter. Failure to comply with this request will leave me with no choice but to file a formal complaint with the appropriate federal authorities, including the Consumer Financial Protection Bureau ( CFPB ), and pursue legal action against LVNV Funding LLC for violations of federal law.

Please be aware that such violations may result in severe penalties and damages awarded to the consumer. I expect full cooperation from LVNV Funding LLC in rectifying this matter promptly.

I urge you to take this matter seriously and act accordingly to rectify the violation. Any further contact regarding this account must be made in writing and sent to the address provided at the beginning of this letter.

Thank you for your immediate attention to this matter. I anticipate your prompt compliance with my demand to remove the negative account from my credit report, thus resolving this violation of federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

FCRA 605B stipulates the necessity of eliminating any inaccuracies from my credit report. Could you verify the documents? Some listed accounts are inaccurately reported. I'm entitled to {$1000.00} for each erroneous entry on my credit file.
Consumer complaint received 2023-09-23
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-09-23
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. (IL)

I see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-23
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-22
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. (NY)

I'm a survivor of fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2024-05-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE (MN)

I am trying to set up federal tax withholding on my Barclay 's CD. You would think that would be a simple task to complete. Barclay 's can not handle this request via online messages. Their call center employees are in a foreign country and do not speak fluent English. I want to set up fed tax withholdings.
Consumer complaint received 2023-03-20
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: LEXISNEXIS (GA)

Lexis Nexis false represented me by obtaining an unverifiable bankruptcy and placed it on my ACCURINT REPORT with out my permission. Lexis Nexis furnished the bankruptcy to the consumer reporting agencies inaccurately without properly investigating this ( Bankruptcy/Public Record ). Only VERIFIED information should be reported to the consumer reporting agencies. Although, The Accurint Report or database is not under the FCRA, however the ACCURINT Report/Database is regulated under the Gramm-Leach-Bliley Act. Lexis still furnished it to the Consumer Reporting Agencies who do follow the FCRA Laws. Therefore, FCRA laws are required during this Transaction or Process.