davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (TN)

A " Line of credit '' which was presented as a " credit card '' with this company was paid off and closed. Apparently there was an XXXX balance that was being reported as delinquent well after this card was paid and closed. A balance of XXXX was paid completely to satasfaction and an XXXX dollar balance at first was constantly being reported late. I called to resolve and paid the XXXX dollars ( Which should never been charged in the first place ) in which months later until today they continue to report it on my credit report as " Past Due ''. The account should no longer be on my credit report as we are in good standing with another product. Which we stated this and consistently stayed on top of this by calling. We've now written letters and what they've sent was hardly satisfactory.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (AR)

As I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please correct this account : XXXX XXXX Balance Owed : {$34000.00}.
Consumer complaint received 2023-07-06
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. (PA)

Experian has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, Experian will not delete the fraudulent credit inquiries
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America has continuously miss the auto payment even after I have set it up with their representative. They said that my auto pay was canceled in XXXX but I never did this action. I called their representative and set up the auto pay again, the credit card bill was auto payed in XXXX, in XXXX the bill did not auto pay and so I was charged with late fee charge and interest charge on my credit card. Previous months I was able to get these refunded but this month they continue to say that my autopay was not set up and refuse to refund these fees and interest charges. They kept saying that they do not have access to autopay implying that I canceled the autopay myself, when I have not. When I called in XXXX I clearly asked the representative about wether the auto payment was set up for monthly and 3 days before closing date or not, and they said yes.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2023 XXXX, Equifax, XXXX Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction. 

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-25
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. (MO)

Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being.

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report.

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA.

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter.

Thank you for your cooperation in resolving this issue.
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

In previous claims, I have asked not to be contacted by this predatory debt collector and they continue to send me letters. They will not receive XXXX cent from me. I don't have any contractual agreement with them. Stop harassing me.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My account was frozen by Bank of America and they stated that I needed to contact federal trade commission in reference to the hold on their account. The agent then stated that it was a federal order for XXXX XXXX and they will hold every XXXX that comes into the account until they reach {$38000.00} that XXXX XXXX is requesting. I explain to them that Ive had issues with this company four years ago and I switched banks because they allow them to garnish my account before now I am stuck with no money because bank of America is upholding this company with fraudulent phone numbers
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MD)

To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my 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 12 CFR Part 1022 ( Regulation V ) 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.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please provide accurate and verified information for each claim, as the allegations are not true, or I'll delete them immediately if that is indeed the case! 
XXXX XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NV)

Our current apartment complex, XXXX XXXX XXXX filed an eviction on me and my wife XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, then rescinded the eviction on XXXX  but somehow the eviction has still been issued against us although the court information is showing the rescission. The eviction is now showing up as and " Eviction '' on our credit file when it should have never been reported as we have never been evicted. It is now harming me and my family and has caused us to be denied housing as our current lease is up and were trying to rent a home elsewhere, however we are being denied approval due to this false eviction informationXXXX Our apartments " Legal Department '' has been advised of this issue and they have admitted this should never have happened and that its never happened before when they've rescinded an eviction, but they are also stating it wasn't them that reported it to the credit agencies, that it must have been at the court level. So they seem to not want to do anything additional to rectify this issue. In the meantime, me and my family are being denied housing, and have less than 2 weeks to find alternate housing!
Consumer complaint received 2023-11-25
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. (GA)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed.

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation.

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety.

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal.

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately.

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution.

If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2023-11-25
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. (MO)

I am writing to express my deep frustration and dissatisfaction regarding the multiple unsuccessful attempts to correct the inaccuracies on my credit report, specifically concerning late open accounts and the removal of late closed accounts. Despite my persistent efforts to rectify these issues, they persist, casting a shadow on my financial standing and causing unwarranted distress. 

I first brought these concerns to your attention, and since then, I have made numerous attempts to resolve these matters. Unfortunately, my previous attempts have proven fruitless, and the late open account and late closed account continue to mar my credit report, negatively impacting my creditworthiness. 

This situation is not only causing me financial hardship but is also eroding my confidence in your dispute resolution process. I have submitted the required documentation and followed the established procedures diligently, yet the corrections have not been implemented as expected. 

I demand an immediate and thorough investigation into the persistent issues with my credit report, with a specific focus on the late open account and the removal of late closed account. Furthermore, I insist on a detailed explanation for the repeated failures to address these matters adequately. 

I understand that errors can occur, but the prolonged nature of this issue raises serious concerns about the effectiveness of your credit reporting system and dispute resolution procedures. I expect this matter to be treated with the urgency it deserves, and I demand a comprehensive response within the exact time frame from the date of this letter. I am asking for your assistance to correct these late open account and remove the late closure in my credit file : 1. XXXX XXXX Balance Owed : {$130.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
2. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 than 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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subject : Request to Remove Inquiries from my Credit Report Dear [ Transunion And All Other Credit Bureuas ], I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report, which I believe are negatively impacting my credit score. 

As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to maintain a positive credit history. During a recent review, I noticed several inquiries listed on my credit report, which I believe were made without my express permission or knowledge. 

Upon careful examination, I have identified the following unauthorized inquiries : LIKE 26 Or 36 Inquiries I have not authorized any of the mentioned inquiries, and I am concerned that they may have been made fraudulently or in error. As such, I kindly request your assistance in removing these inquiries from my credit report immediately.

I understand that removing inquiries may require verification, and I am willing to provide any additional information or documentation necessary to expedite this process. Please consider this letter as a formal dispute and take the appropriate steps to investigate and rectify the situation promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I trust that you will adhere to the necessary guidelines in this regard. 

Kindly inform me of the steps taken to resolve this matter and provide written confirmation of the inquiry removal once completed. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy of my credit report. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-11-20
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. (NY)

THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I noticed I have XXXX late payments being reported by XXXX XXXX XXXX. I notice the late payment was reported in XXXX, XXXX and XXXX of XXXX and XXXX of XXXX. Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. These late payments were reported during XXXX XXXX, there was no grace given due to a pandemic happening. Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2021-05-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (KS)

NATIONAL CREDIT ADJUSTERS at XXXX XXXX XXXX XXXX XXXX KS XXXX. Has been sending me collection notices in the amount of {$620.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-08-07
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX & XXXX ( XXXX Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2023-03-22
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX