davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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. (SC)

I WAS LOOKING AT MY REPORT AND NOTICE THERE WERE SOME THINGS THAT WAS NOT CORRECT. I SENT A LETTER TO XXXX, XXXX, AND EXPERIAN ON XX/XX/2024 HERE IS MY TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX. IT HAS BEEN 90 DAYS SINCE THE CRA 'S HAVEN'T RESPONDED. THAT IS A VIOLATION OF 15 USC 1681i ( a ) ( 1 ) ( A ) UNDER 15 USC 1681i ( a ) ( 1 ) ( A ) SUBJECT TO SUBSECTION ( f ) AND EXCEPT AS PROVIDED IN SUBSECTION ( g ), IF THE COMPLETENESS OR ACCURACY OF ANY ITEM OFINFORMATION CONTAINED IN A CONSUMER 'S FILE AT A CONSUMER REPORTING AGENCY IS DISPUTED BY THE CONSUMER AND THE CONSUMER NOTIFIES THE AGENCY DIRECTLY, OR INDIRECTLY THROUGH A RESELLER, OF SUCH DISPUTE, THE AGENCY SHALL, FREE OF CHARGE, CONDUCT REASONABLE REINVESTIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDDANCE WITH PARAGRAPH ( 5 ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER. 
REMOVE THESE ACCOUNTS : 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. This marks my initial attempt to address this matter with your agency, and I expect a timely and satisfactory resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm submitting to follow up on my previous complaint about inaccuracies in my credit reports. In the next 15 days, I plan to update my credit reports and want to bring to your attention the FCRA section 605b, which requires Credit Bureaus to remove any items listed in an identity theft report. I sincerely hope that Credit Bureaus will finally remove the remaining inquiries from my credit file. The inquiries in question are as follows : 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 2023-11-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 2023-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (WI)

XXXX XXXX XXXX is about to start garnishing my wages. I need help preventing a wage garnishment. They supposedly sent me a written notice on XX/XX/23 which I have not received. 
I don't know what to do.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to XXXX, Experian, and XXXX about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed immediately. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-02
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)

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide it. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been deliveredXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not consent to an electronic communications. I am the person making this complaint & I give CFPB authority to investigate this claim. And I request all responses be in writing through the USPS.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One credit card CFPB original complaint number XXXX In XXXX of this year, I closed the account for my own personal reasons. The account was in good standing at the time it was closed, no late payments or balances. However, upon closing the account, Capitol one placed a remark on the credit report, which states- " Dispute resolved -Consumer disagrees. Account closed by consumer. " There were no disputes, other than a balance inquiry back in XXXX of XXXX, which was resolved instantly, without incident. Other than the CFPB complaint, which I was extremely satisfied of the results, there has been no interaction with Capitol One. Attempts were made by phone, to resolve this matter, went unanswered. There was no dispute resulting in the closure of the account, just my desire not to do business with Capitol One. The remarks appear to be retaliatory, as to the complaint filed, in which Capitol One had to remove negative reporting off of my credit report for 1 late payment during the Covid pandemic, when by Federal statue, they were not supposed to do in the first place. Thus was the ONLY late payment made to Capitol One during that period and up and until I closed the account in XXXX. The remarks were unwarranted and should be removed in its entirety. No remarks are necessary, only that the Customer closed the account.
Consumer complaint received 2023-12-27
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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. (GA)

I am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : XXXX  XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (IL)

XXXX XXXX XXXX XXXX XXXX, XXXX, il, XXXX XXXX XXXX XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Early Warning Consumer Services Department, I am writing to formally request the removal of my information from Early Warning Services as allowed under 15 USC Code 1681b. According to this code, I have the right to opt out and prevent my consumer information from being shared without formal written consent. 

Despite this, to my knowledge, I have not provided explicit written authorization for the furnishing or sharing of my personal information with Early Warning Services. Therefore, I am requesting that all information related to me be removed from your database and that any sharing or usage of my data cease immediately. 

Please confirm in writing once this process is completed, as required by law. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-26
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. (DE)

Experian willfully fail to comply with FCRA .I would like to know how did you verify the information Experian did not do an accurate investigation in providing the factual details to my dispute. Iam distressed that you have included these accounts with inaccurate information for all the accounts listed I would respectfully request you to provide proof of the alleged items specifically the contracts bearing my signature and address. If you can not provide the contracts the items must be deleted asap .these are the following accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX. XXXX acct # XXXX XXXX  acct # XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXX If you continue to violate the FCRA laws you will be held liable for actual damages and attorney fees. The address on the contracts must reflect all the address you publish on my r credit report
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I went on FifthThird Bank 's website to make a {$36.00} payment on my credit card account. I tried several times to make my credit care payment on-line and I kept receiving the message that the system couldn't accept my payment and that the system gave me a toll-free number to call. On XX/XX/XXXX, I called the toll-free number and spoke with a Fifth Third Bank representative and asked if she was able to see if a {$36.00} payment was made on my account. She responded, no. So I made a {$36.00} with the representative payment and she gave me a confirmation number : XXXX. About three days later when I checked my checking account, I noticed that I was charged four payments of {$36.00} each for the one credit payment that I made on XX/XX/XXXX. 

A few days later, I received notification that those 3 payments will be reversed. So, I'm thinking great. Today, XX/XX/XXXX, I received a call from Fifth and Third Bank stating that my credit card account needed immediate attention. I wasn't really concerned about my account because I knew that I had made my payments and my account was current. In speaking with the Fifth and Third representative today, XXXX stated that my account was behind and that I would have to make a payment and late fees would be added to my account in XX/XX/2023. I had to make another payment of {$36.00}. I asked if I could speak with a supervisor as I have never been late on my account and these issues are relative to Fifth and Third 's website and of no fault of mine. I held on the line for about twenty minutes and was disconnected.
Consumer complaint received 2023-12-27
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$850.00} ; SECURITYCRED XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2015-05-18
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Pinnacle Asset Management, LLC (WI)

Received a call stating that I owed money for a breach of contract with a payday load from 2013. I had informed them that I did n't have any open accounts at XXXX Bank at the time except for a health savings account which had no transaction history. The woman said that she thought this was fraud and would review with her supervisor -- -a few weeks later I got a call stating that I wold be taken to court if I did not pay and that in their system there were no notes about previous conversations and I needed to pay the balance or go to court. They offered me a settlement amount that I paid. I reviewed all of my bank account statements after and was unable to locate anything they were talking about. They said this loan came from XXXX XXXX XXXX and it was XXXX loans
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-12-27
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. (IL)

Please Delete these accounts Immediately they were fraudulently open! 

XXXX XXXX XXXX XXXX XXXX {$1400.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Amount XXXX {$520.00} Opened : XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX {$420.00} Opened : XX/XX/XXXX Pursuit to 18 USC 8, I owe no debt. This company is in violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

The company is legal required to provide a XXXX Tax Form by XX/XX/XXXX of the applicable year detailing the mortgage payment information. The company has failed to provide such and has avoided communications regarding requesting this information. 

Under, 26 USC 6722 they should be fined for this failure. However, the fine for such a failure is so insignificant that the company has no incentive to follow the required law. They rather take an attitude of indifference toward their statutory duties owned to the consumer. They take this attitude because the fine levied for their failure is so little that they could have over 10 million similar violations and still not have it impact their operating profits. 

The company at issue is XXXX XXXX XXXX