davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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. (NY)

To Whom It XXXX Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against XXXX credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information. 

I have disputed these unauthorized hard inquiries with XXXX in writing on [ dates ] but the information remains unchanged. XXXX has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into XXXX for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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: CITIBANK, N.A. (OK)

After waiting longer than a month for XXXX to either give me a partial or full refund, I opened a dispute with Citi on XX/XX/XXXX for {$160.00} and provided documentation on how I tried to resolve with XXXX twice and there was no response or outcome to my complaints. On XX/XX/XXXX they contacted the merchant. On XX/XX/XXXX the merchant responded that the merchant informed us that no credit is due. Based on the information available, we have closed our investigation and reversed our credit. They told me I can still dispute the charge with dates and issues I had with the company. The only thing they provided me for documentation for the dispute being resolved from XXXX was proof that I stayed there. The whole dispute was not due to me not staying there it was due to the issues I had during my stay. I signed the paper to dispute it more and attached all the times I tried contacting XXXX with no response and all the issues I had during my one night stay. I sent them all of my supporting documentation on XX/XX/XXXX. On XX/XX/XXXX Citi responded saying they are working with the merchant or merchant 's bank to obtain a permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have reissued a conditional credit to your account for this dispute. On XX/XX/XXXX they sent me a letter stating they previously credited my account for this charge. The merchant will not honor their request for credit based on the information I provided them. 
Every effort has been made to secure credit for my account. Since they are unable to obtain compensation from the merchant, my account has been rebilled. They now consider this investigation complete. They regret that we are unable to assist you in this matter. Again, no outcome for my bad stay at the XXXX.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-22
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: National Credit Systems,Inc. (KY)

I lived in XXXX XXXX XXXX for several years, untiXXXX XXXX ( I think ). XXXX they did my walk through after I moved out, I was signing papers for my house at the same time so I couldnt attend. I received a call saying that everything went fine and I should receive back some of my deposit but I would have to pay for a door. A month later, I got a XXXX bill bc they stated they had to replace my entire carpet. I immediately tried calling telling them that I was told by the lady who showed me the apt that they change the carpet bt each owner and she said they didnt do that anymore and I had to pay. I believe bc I was told something different I shouldnt have to pay. Its not my fault that the new company does things different.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-05-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I received a notice from Resurgent Capital Services collection agency about a supposed debt of {$570.00} owed to LVNV Funding Collection agency with an account number ending in XXXX. I want to dispute this amount because I don't owe {$570.00}. I have received two letters from Resurgent Capital Services dated XX/XX/XXXX, and I am including copies of these letters with my dispute. The letters show the original creditor ( XXXX  XXXX ) and my original past-due balance of {$360.00} as of XX/XX/XXXX. This proves that the correct original past-due balance is {$360.00}, not the incorrect past-due balance of {$570.00} that was mistakenly sent to my XXXX credit report.
Consumer complaint received 2023-04-30
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)

I sent the letter off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights This is a defamation to my character
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX 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 2024-05-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fig Tech Inc. (TX)

So have constantly reached out to them to say hey i need to refinance they turned it down, anyways i sent an email requesting to refinance final payment of {$180.00}, the approved, payment was due on XX/XX/year> its not yet after 30 days, they put a late payment on my credit report and this is the second time they are doing and sent a text before stating is i don't pay it will damage my credit then after they placed the late payment on my credit report.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (AZ)

I don't recall having a contractual relationship with this collection company Aldous & Associates P.L.L.C.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-19
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: Experian Information Solutions Inc. (NY)

Subject : Violation of FCRA - Failure to Respond to Dispute & Verification Disclosure. 

Dear Experian I am writing to express my complaint regarding your company 's CONSISTENT violation of the Fair Credit Reporting Act ( FCRA ) in two instances : XXXX. Failure to respond to my dispute ( XXXX ) within 30 days : On XX/XX/2024, I submitted a dispute regarding inaccurate information on my credit report. As of today, XX/XX/2024, I have not received response from your company, exceeding the 30-day timeframe mandated by the FCRA ( 15 U.S.C. 168i ( a ) ).

2. Failure to provide verification disclosure : I requested the names and business addresses of each individual involved in the verification process related to my dispute. Despite my request, your company has failed to provide this information, Violating the FCRA 'S verification disclosure requirements ( 15 U.S.C 1681g ( a ) ).

Your company 's failure to comply with these FCRA provisions has caused me significant distress, inconvenience, and potential harm to my creditworthiness. I demand that you : - Immediately investigate and resolve my dispute - Provide the verification disclosure information I requested - Take steps to ensure future compliance with the FCRA If I do not receive a satisfactory response within 15 days, I will pursue further action.
Consumer complaint received 2023-08-31
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)

To Whom It May Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against Experian credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information.

I have disputed these unauthorized hard inquiries with Experian in writing on [ dates ] but the information remains unchanged. Experian has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into Experian for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-09-22
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)

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 Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment XXXX, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXX Balance : {$760.00} 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 2024-05-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC (FL)

My son was a resident at XXXX XXXX for XXXX years. On XX/XX/2023, when the lease agreement ended, he vacated the unit that same date after having living in a building that had a flooding and the repairs took XXXX  months. My son returned the key at XXXX XXXX, as he thought that the deadline was XXXX XXXX. The management of the building, sent me an email asking us to pay an extra {$180.00} for a delay of XXXX hours as the deadline to render the key was at XXXX XXXX, I contacted XXXX XXXX XXXX who was fully aware that my son has a XXXX and confirmed that after XXXX years living at the property of which XXXX  months were in a poor and noisy environment during the repairs of the flood, we never complained even though the adverse conditions affected my son 's health. This was her response : " You are correct in stating that the rent amount is incorrect as we prorated the RENT charge to be accommodating as RENT for the rooms is actually {$870.00} + XXXX  % of this would be an additional {$210.00}. Rent in our lease is determined as a whole amount and not a prorated amount. We did provide the accommodation of taking into consideration XXXX turned in keys at XXXX which was XXXX hours after the designated move out time of XXXX which was calculated at a XXXX proration of XXXX hours in XXXX day ''. Even though the residents of building XXXX had to live in with so serious and extended inconveniences, I decided to pay this outrageous abuse and divided the extra {$210.00} by XXXX hours and the delay of XXXX hours, because from XXXX AM until XXXX XXXX  lapsed XXXX hours not XXXX and paid the correct amount which is {$27.00}. However, XXXX management, demanded payment for a fabricated $ XXXX XXXX XXXX XXXX XXXX and sent the inexistent debt to a collection agency, when I had already paid the delayed extra XXXX hours
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX was given a instrument to discharge the debt to the irs and willfully violated my consumer rights according to : House Joint Resolution 192 - to suspend the gold standard and to abrogate the gold clause.

18usc8 Obligation or other security of the United States defined - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks. 
31 U.S. Code 5118 - Gold clauses and consent to sue- ( a ) In this section ( 1 ) gold clause means a provision in or related to an obligation alleging to give the obligee a right to require payment in ( A ) gold ; ( B ) a particular United States coin or currency ; or ( C ) United States money measured in gold or a particular United States coin or currency. 
( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest.

ucc 3-311 ACCORD AND SATISFACTION BY USE OF INSTRUMENT - ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim Ucc 3-603 TENDER OF PAYMENT ( copy of rejection letter provided ) - ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 
XXXX is entitled to enforce the instrument i sent them and willfully reject to do it which pursuant to ucc 3-603 makes this account of my credit report unaccurate. 

I got a letter through this case number with a pdf attached to the case. 
CFPB XXXX XXXX. : XXXX XXXX Account XXXX. : XXXX in XX/XX/2023 through pdf provided stating " XXXX XXXX XXXX XXXX does not accept promissory notes or a Form 1099A as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. '' This accepting that they got the legal instrument to discharge debt but willfully denied and pursuant to ucc 3-603 there is discharge.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Recovery Solutions, LLC (NY)

I am writing to dispute the validity of the debt referenced in a notice I recently received.

My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature.

2. A detailed account of the debt you claim I owe.

3. Proof that you are licensed to collect debts in my state.

Please suspend all collection activities until this debt is validated. Also, as this account has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature.

If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I get Social Security Disability every month. I received my payment of {$1800.00} on XX/XX/XXXX. I was overdrawn in my Wells Fargo credit card/installment loan accounts at the time of my SSDI deposit. Wells Fargo took it upon themselves to take {$400.00} out of my check to pay for the overdraft, without a garnishment or legal notification. These are government benefits that I need to live on. I am currently struggling financially and in the process of a XXXX  XXXX bankruptcy. After speaking with a couple of customer service representatives at the bank, they refused to refund me the funds that were taken out of my account. Could you please investigate this matter, and, have Wells Fargo send me a check for {$400.00}, the amount of the funds illegally withdrawn? XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (CA)

XXXX XXXX  did not Give notice that I can dispute the debt, This junk debt buyer parked a collection account illegally on my consumer reports, I have never done business with XXXX XXXX I have No contract with XXXX XXXX. This company has violated setion 623 of the fair credit reporting act and Federal debt collection practice act ( FDCPA ) section 1692j XXXX has harm my abilty to obtain credit at a low interest rate. I ; m in the process of purchasing a home for my Family.