davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2023-12-15
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-12-19
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear TRansunion, I am writing to formally dispute a late payment reported on my account ( Account Number : XXXX ). I believe this late payment on XX/XX/year> is inaccurate due to an improper notice regarding the bill due. 



As outlined in 15 U.S.C. 1666b, I understand that creditors are required to send a notice of billing statement that accurately reflects the amount due and the due date. Unfortunately, I did not receive adequate notice regarding this specific bill, which has resulted in the late payment being reported inaccurately. if you feel that this letter was sent to me, The burden of proof lies on you to prove this, please ssend me tracking and or signatures proving that I received such letter. I will also be forwarding this complaint to the attorney general because there are some unlawful practices being done here.. 



I kindly request that you : 1. Review my account and the circumstances surrounding this late payment.

2. Provide documentation that confirms the notice was sent and received as required by law.

3. Correct my account to reflect the accurate payment status.

Please consider this letter a formal request under the Fair Credit Billing Act. I look forward to your prompt response to resolve this matter. If I do not receive a satisfactory response within 30 days, I may consider further action. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
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. (MD)

Dear Sir/Madam, I am writing to formally dispute several inaccuracies on my credit report. These accounts and inquiries do not belong to me, and I request that you investigate and remove them immediately, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of the accounts and inquiries in question : 1. XXXX, Account # : XXXX, Bureau Code : Joint, Balance : $ XXXX I am not aware of this account, nor have I ever opened a joint account with CAF. This account is fraudulent, and I request that it be removed immediately under 15 U.S. Code 1681. Please take immediate action to remove this fraudulent account from my credit report. 
2. XXXX, Account # : XXXX I have never owned a credit card. XXXX account is fraudulent. Please remove this account from my credit report promptly. 
3. XXXX, Account # : XXXX, Balance : $ XXXX I have never received any notification or documentation regarding this debt, which denied me the opportunity to dispute it. I contacted the collection agency immediately after seeing this account on my credit report, but they have failed to provide adequate documentation to validate the debt. This is a violation of the Fair Debt Collection Practices Act, and I request that this account be removed from my credit report. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX ) This account is invalid, and its presence on my credit report is a violation of 15 U.S. Code 1681i ( 5 ), which mandates the removal of invalidated credit information. I demand that this account be removed immediately. 
Fraudulent Inquiries : XXXX XXXX These inquiries were made without my authorization, and I request their immediate removal from my credit report as they are fraudulent. 
Please send me written confirmation once these fraudulent accounts and inquiries have been removed from my credit report. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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 XXXX XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX account was opened with Capital One that I did not apply for. I got a call on XX/XX/2024 from Capital One 's XXXX department. The company shut down the account and opened an investigation. Said they will send me more info to protect my information. I opened an account with XXXX.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report.

I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the New York Credit reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the N.Y. Gen. Bus.Law 380-j ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the XXXX XXXX XXXXXXXX reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the XXXX XXXX XXXX XXXX ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I opened up a dispute on XX/XX/23 on a {$4700.00} charge. I disputed the charge because it was a mechanic charge & the mechanic did not do the job AT ALL and the 18 wheeler had to be taken to a new mechanic to do the job correctly. 
I sent over XXXX different statements to Chase sapphire preferred from XXXX new mechanics, which all of them proved that the XXXX mechanic ( XXXX from XXXX XXXXXXXX XXXX ) did not do the job. 
I asked Chase several different times about a deadline & they gave me a general statement stating that it can takes months, it just depends I spoke to a female manager mid XXXX about our case & asking about a deadline and she ensured me that she would notate the case & never gave me a deadline. 
End of XXXX, my case was closed. 
When I called to ask why? A supervisor by the name of XXXX ( location XXXX XXXX ) stated that I did not give more information by the DEADLINE! when I told him that I asked about a deadline SEVERAL times and yall withheld that information from me, he said sorry, thats not going to change anything ) I spoke to another supervisor XXXX ( location XXXX XXXX ) he said that I can not appeal this decision and if I tried he said I cant guarantee that the case will end up in your favor, but I can guarantee that we will not change our decision! 

Which proves that they do not even give the consumers a fair shot at appealing wrongfully handled cases. 

I asked XXXX how was I supposed to know that more information was needed by a certain date & he said there was a statement within the app.

When I asked him to direct me to this area, he had a very difficult time finding this hidden information. I proceeded to tell him that not only was it difficult for him to find but ALSO 1 ) there was no notification that I had statements waiting for me. 2 ) I was told SEVERAL times if I wanted an update on my case to go to manage accounts then track disputes again this hidden information was NOT in the section I was told to look. 

While speaking to XXXX and XXXX. They both gave me different deadlines. 
XXXX said the deadline was XX/XX/XXXX. 
Then he said it was XX/XX/XXXX XXXX said it was XX/XX/XXXX The hidden statement on the app said it was XX/XX/XXXX. 
Online and throughout cardholders agreements it does not give a set in stone deadline about disputes. 
AND According to the FCBA consumers are supposed to be given up to 90 days to resolve these cases which my 90 days would be on XX/XX/XXXX, which has yet to come. 

It is clear to me now that information was withheld from me on purpose so that I would be forced to pay this charge. Chase knowingly hid this information from me & refused to give me a right and fair chance.

I would like this charge disputed as the mechanic charged us for work that was never done & the proof is there that it was never done!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Consumer complaint received 2023-12-11
Product: Credit reporting 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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-12-11
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. (TX)

I told the Experian, XXXX, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/2023 case number : XXXX. There is only a XXXX XXXX  that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately. 

I have evidence to prove my case.
Consumer complaint received 2023-12-11
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. (SC)

I review my credit report and saw some inaccuracies on credit report. Im currently trying buy house and needs these inaccuracies deleted. So, I mail certified letter to Experian on XX/XX/, XXXXI have not received any information back from the creditors showing investigation information about these inaccuracies.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

EXPERIAN IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. " ACHIEVE PERSONAL LOANS ''. THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THIS ACCOUNT IS BEING REPORTED INCORRECTLY AND MUST BE REMOVED. EXPERIAN CHANGED THE INFORMATION MULTIPLE TIMES AND IT IS STILL NOT CORRECT.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am unaware of this debt. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least XXXX days before it appeared on my credit report.