davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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)

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/2024. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/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 : CFPB, XXXX, XXXX and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting.

Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be deleted from the report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/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 American Express Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting.

American Express completed tax form 1099 C and discharged this by XXXX of the tax year. Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be permanently removed from my credit report from all 3 credit bureaus. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (OH)

In accordance with the Fair Credit Reporting Act, Sallie Mae has violated my rights under 15 USC 1681 section 602, which states that I have a right to privacy. It also states that a consumer reporting agency can not furnish an account without my 'written instructions ' under 15 USCS 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the validity of an account held by your company, XXXX XXXX XXXX, as it pertains to my personal financial records. Pursuant to the provisions set forth by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the alleged debt associated with the aforementioned account. 

Account Details : Account Number : XXXX Original Creditor : XXXX XXXX Date of Account Opening : XX/XX/2022 Amount in Dispute : {$150.00} I believe there may be inaccuracies and discrepancies regarding the aforementioned account. Under the FCRA, I am entitled to receive a written response within 30 days of this letter and a detailed investigation into the matter. During this investigation, I kindly request that you provide the following information : Verification of Debt : I request that you provide valid documentation verifying the debt, including the original contract, signed agreement, or any other pertinent documents proving my liability for the alleged debt. It is essential that the documents clearly establish my obligation to pay. 

Verification of Creditor 's Authority : Please provide proof that XXXX XXXX XXXX has the legal authority to collect on this debt and that the debt was assigned to your company lawfully. 

Validation of Reporting : If you have reported this debt to any credit reporting agencies, please provide proof of accurate reporting. I request that you furnish any supporting documentation demonstrating that the account information has been correctly reported, including dates and amounts. 

Cease and Desist : In accordance with the FDCPA, I kindly request that you cease all communication with me regarding this debt until the investigation is complete. This includes phone calls, letters, and any other means of communication. Please restrict any contact to providing me with the requested documentation and notifying me of the results of the investigation. 

Failure to comply with the aforementioned requests may result in legal action. If it is determined that any violation of my rights under the FDCPA or the FCRA has occurred, I reserve the right to pursue all available remedies under the law. 

I would also like to request that you confirm in writing that this dispute has been received and is being investigated. Additionally, I kindly request that you provide me with the contact information for your designated agent for service of process, as required by the FDCPA. 

Please direct all correspondence, including the requested documentation, to the address listed at the top of this letter. I appreciate your prompt attention to this matter and your cooperation in resolving this dispute. 

If you do not any proof, you must delete this account immediately.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

Bankruptcy XXXX XXXX : XXXX XXXX, has 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (CA)

CHASE CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX Subject : Complaint Against CHASE for Violations of FDCPA, FCRA, and TILA Dear XXXX XXXX XXXX XXXX XXXX  ) and Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a concerning matter regarding CHASE CARD MEMBER services. Despite my efforts to dispute a debt, they have consistently refused to provide validation and proof of claim, a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). These violations are particularly troubling, as they compromise my consumer rights and negatively impact my credit report. 

Under the FDCPA, debt collectors, such as CHASE CARD MEMBER, are obligated to provide validation and proof of a disputed debt upon request. Despite my repeated attempts to obtain this information, CHASE has failed to comply with the FDCPA guidelines. This not only raises concerns about the accuracy of the debt but also questions its adherence to federal laws designed to protect consumers. 

Furthermore, the FCRA stipulates that if a company fails to respond to a dispute within 30 days, the disputed item must be deleted from the consumer report. CHASE 's failure to provide validation within the mandated timeframe further compounds the violations, compromising the accuracy of my consumer report. 

Additionally, the TILA, working in conjunction with the FDCPA and FCRA, emphasizes the importance of transparency in lending practices. CHASE 's refusal to provide validation undermines the spirit of these laws, leaving me with unresolved disputes and potential inaccuracies in my credit report. 

I request the XXXX and CFPB to investigate this matter thoroughly and take appropriate action to ensure CHASE CARD MEMBER rectifies its debt collection practices in compliance with federal regulations. Moreover, I urge you to hold CHASE accountable for any damages caused to my consumer report and take measures to prevent such violations in the future. 

Thank you for your attention to this matter, and I trust that your organizations will take the necessary steps to address and rectify these apparent violations promptly. 


Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-02-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MN)

Im disputing a charge of {$920.00} on my Comenity Bank/XXXX XXXX credit card account. The current balance of {$920.00} listed on my Comenity BankXXXX XXXX credit card account is a fraudulent transaction and not my transaction.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-02-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I purchased the card and then attempted to use the card at an online retailer, and it was declined. I then attempted to add it to XXXX, which was declined again. Next, I called XXXX, because the card had been frozen from those attempts to use it. XXXX sent me a replacement card, which had the same issues. I then used the card to buy a different prepaid card ( American Express ), which still had the same problems.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given COLUMBIA DEBT RECOVERY written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM COLUMBIA DEBT RECOVERY FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT COLUMBIA DEBT RECOVERY NOTICE TO OPT OUT
Consumer complaint received 2024-02-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

I have a VA mortgage carried by Mr. Cooper mortgage company. I XXXX my mortgage nearly doubled. I asked the escrow department about this and I was told that I had a property tax increase. I informed the escrow department that I was property tax exempt. I emailed the county paperwork at the escrow departments request. My mortgage has not changed even after speaking with them and emailing the forms on four different occasions. I was told that If I were correct I would get a refund in XX/XX/XXXX.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (NY)

I used Experian to freeze my credit report due to a issue with someone requesting a card in my name. I also froze my account with the other 2 credit bureaus.

I did not request or sign up for any additional services, but to the best of my ability followed directions to freeze my report. I did not give them a credit card number. I did give them my phone number from which I guess they retrieved, without my permission of knowledge one of my credit cards that was registered for XXXX. the charges to my XXXX XXXX referenced XXXX. The first charge appeard on XX/XX/XXXX and continued monthly till XX/XX/XXXX. When I discovered the charges, for which I had no memory of agreeing to or signing up for, I called as was ( after a lengthy call tree wait ) that they would do me a favor and refund the current month amount and cancel my membership. They would not refund prior months and told me to dispute them on the XXXX  site, which I did today. 
Clearly Experian is taking advantage of people requesting to freeze their account by using the word lock to charge for a subscription. They are disreputable and dishonest. Please investigate their website for their trapping people into their subscription service. 
Thank you
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : Experian XXXX XXXX XXXX Account Type Collection Balance {$14000.00} Date Opened XX/XX/2023 Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX Collection Account {$14000.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX account type : open account Balance : {$14000.00} Date opened : XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I disagree with the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which still appears on my credit report, even after I have dispute the address both electronically and verbally over a phone call. I don't know this address, I don't live at this address, I don't recognize this address.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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. (TX)

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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXL : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please be advised that as of ( XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 

Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved