davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

This debt is from Midland management, I believe that they bought it from the credit card company. The amount is {$2900.00}. This debt is not mine. I have disputed online with XXXX and XXXX. I have asked for it to be validated and for the company to send me the original contract with my signature showing that I owe this debt and they havent. I dont know what else to do.
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This delay is not only a violation of the FCRA but also an egregious oversight that has a direct and adverse impact on my creditworthiness. The inaccurate reporting of a late payment is damaging not only to my credit score but also to my ability to secure favorable terms on future credit. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite my efforts to rectify this situation and the clear guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I find myself facing an unresponsive and inefficient process. The FCRA stipulates that a credit bureau must investigate and respond to disputes within 30 days. However, to my considerable irritation, the stipulated timeframe has elapsed without any response from your bureau. 
BANK OF AMERICA  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I insist on immediate action to rectify this situation. I demand that your bureau promptly investigates and corrects the inaccurate reporting of the late payment on the account. The failure to adhere to the FCRA 's mandated response timeframe is unacceptable, and I expect your bureau to take corrective action without further delay.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

in accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account # XXXX, PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX. ) account # XXXX, PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) account # XXXX 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
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against Chase Credit Card Services for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing.

1. Inaccurate Reporting of Payment History and Targeted Retaliation : Chase inaccurately reported my account, ending in 1156, as 90+ days past due. This misinformation appears to be linked to the combination of a Chase loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by Chase directly correlate with my dispute, indicating targeted retaliation.

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, Chase neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and Chase responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, Chase charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, Chase imposed a late fee based on false reporting. Additionally, Chase arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations.

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by Chases system.

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds Chase accountable for these actions, ensuring fair and ethical practices are maintained.

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Consumer complaint received 2023-12-08
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. (IN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

For more than a year I have been administratively demanding TRANSUNION remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX SERVICES from the consumer file. Both of these alleged accounts are a result of identity theft and TRANSUNION is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. I give TRANSUNION SEVEN BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is one of numerous complaints I have filed with the CFPB without any fair or equitable resolution.
Consumer complaint received 2024-04-16
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. (AZ)

I am in review of my credit report and found a fraudulent account from XXXX XXXX XXXX account number XXXX that was opened XX/XX/XXXX, for the amount of {$2900.00}. I sent a letter to XXXX XXXX on XX/XX/XXXX and they received it on XX/XX/XXXX. In my letter to XXXX, I dispute the debt and ask for a copy of the purchase agreement to validate the debt. I also file a complaint with the XXXX and request a copy of the purchase agreement and XXXX did not respond to my request for the purchase agreement. I did not sign a contact or authorize XXXX XXXX company to open an account on my credit report. Please remove this account from my credit report. It is hurting my ability to obtain credit and degrading to my character.
Consumer complaint received 2023-12-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting to my consumer report as a charged off account. A charge off is considered a certificate of indebtedness which means IT IS income. Income can not be reported. This account must be removed from my consumer report per IRS Publication 4681 ( 2022 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments ( For Individuals ) See XXXX XXXX XXXXXXXX This is a violation of my Federally protected consumer rights under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING
Consumer complaint received 2023-12-18
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. (MI)

INFORMATION WAS OBTAINED UNDER DURESS ACCOUNTS WERE FROZEN ACCESS SHOULD HAVE BEEN DENIED. I INFORMED XXXX XXXX XXXX XXXX /COMPANY THAT I WOULD NOT UNLOCK THE CREDIT REPORTS. DO NOT RUN THE CREDIT FOR AUTOMOBILE FINANCING COMPANY. THE COMPANY DID IT WITHOUT PERMISSION WHEN TOLD NOT TO DO. 
THEREBY UNDERMIND THE WRITER 'S ABILITY TO CARRY OUT MAJOR GOALS AND OBJECTIVES AND UNDERMIND THE WRITER 'S SCORES BY XXXX POINT. 
THE CONTRACT ENTER UNDER THREAT, DURESS AND CORROSION ( T.D.C. ) THIS ACTION WAS DONE WITHOUT CONSENT NAME IS INCORRECTLY SPELLED
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2024-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NJ)

Was never contacted until after the supposed debt was on my credit, never made aware and was not able to dispute until it came up on my report. Not allowing me to for one verify the debt, but also dispute the debt. During the years of XXXX I was not XXXX XXXX, insufficiency to strive, but with record of my report over the last two years I pay what I owe.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. Not to mention that I was sick and almost died on XX/XX/XXXX and they added a late payment on that same account. I told them about the situation and the bureaus but they still refuse to help me to this date. I have been going back and forth since the beginning of XXXX. That is very unfair. I request for this account to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. 

Here 's the fraud account info : XXXX XXXX - XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2024-10-07
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: Happy Money, Inc. (NY)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear HAPPY MONEY, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as New York 's Identity Theft Prevention and Mitigation laws , specifically under New York General Business Law Section 380-s. 

It has unequivocally come to my attention that HAPPY MONEY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, New York law under Section 380-s prohibits the unauthorized use of personal identifying information, emphasizing the protection of consumers from identity theft and fraudulent credit reporting. This law ensures that credit reporting agencies are required to remove any information resulting from identity theft, and to prevent any continued reporting of such information without the consumer 's explicit consent. 

I assert with unwavering certainty that I have not provided consent for HAPPY MONEY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and New York state laws. 

I demand, with the utmost certainty, that HAPPY MONEY immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York General Business Law Section 380-s. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including New York identity theft laws . 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New York state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that HAPPY MONEY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-04-16
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I sent in a dispute to have social security corrected and have two incorrect collections accounts ( both XXXX XXXX  ) removed from my credit report. The initial dispute was filed on XX/XX/2023 with supporting documents of social security card and Virginia issued Driver 's License. Equifax responded with a stall letter on XX/XX/2023 stating that they required the supporting documents that were already provided. On XX/XX/2023 I called Equifax stating the information requested was previously provided. The Equifax employee on the phone confirmed my correct social security number and after several minutes of debate realized the social and accounts on my report was incorrect. The employee assured me that everything would be corrected and I would receive an e-mail in a weeks time. Instead of correcting the issue, Equifax provided another stall letter on XX/XX/2023 stating they required the previously provided supporting documents. This issue has become detrimental and provided many inconveniences.
Consumer complaint received 2024-04-16
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

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 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

EQUIFAX and XXXX XXXX XXXX has continuedly reported inaccurate information, purchased and sold my personal information violating my privacy under 15 USC 1681 ( a ) ( b ), I did not grant permissible written instruction to XXXX XXXX XXXX to report under 15 USC 1681 ( B ). They continued to report adverse items other than convictions of crime under 15 USC 1681 ( c ). Committed identity theft by using my personal information without my authority under 12 CFR 1022.3. XXXX XXXX XXXX and Equifax also violated compliance procedures under 15 USC 1681e. Reporting information Soley as to transactions or experiences and reporting transactions history is illegal under 15 USC 1681a ( 2 ) exclusions. Under 15 USC 1681n Equifax and XXXX XXXX XXXX willfully failed to comply with my request and is liable for damages to me. 
XXXX XXXX XXXX and Equifax continued to violate me even after my initial complaint and continued notices under 15 USC 1681s-2 ( 1 ) Prohibitation ( a ) Both had knowledge of errors and inaccuracy, yet they still continued to report them claiming that it was verified. Neither Equifax nor XXXX XXXX XXXX provided required notice to me of my rights to privacy under XXXX CFR 1016.4 and 12 CFR 1016.7. 
Furthermore, violating 15 USC 6802 ( a ) ( b ) by providing my personal information to nonaffiliated third parties without providing me with proper required notice. 

XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Credit Bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XX/XX/2023 Closed Feedback provided
Consumer complaint received 2023-12-18
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: EQUIFAX, INC. (MD)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.