davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

CAPITAL ONE BANK IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE XXXX.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent letters to all three credit bureaus asking them to verify the debts on my credit report. I received a response only from XXXX XXXX on XX/XX/XXXX. XXXX removed three accounts from my report due to inaccuracies. There are also two other accounts which still show inaccuracies. In accordance with the Fair Credit Reporting act, these Accounts has violated my rights.

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 2023-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

I closed my credit card account with Citi on XX/XX/XXXX. I paid the account balance in full on XX/XX/XXXX.The last statement was due on XX/XX/XXXX so I now realize this was late. I was charged interest of {$3.00} and a late fee of {$25.00} on XX/XX/XXXX ( the day after I paid the account balance in full and two days after the XXXX statement was due ). Of course I did not realize I was charged because I did not know the bill was paid late and I had though that I had paid the account balance in full ( not just the statement amount ). Since then I 've been charged an additional late fee of {$25.00} and an additional interest charge of {$0.00}. I asked them to please remove the late fees since this was clearly a misunderstanding, I had never paid a bill late before, and had already attempted to close the account. Citi told me that they can not waive the late fees because my account was closed. I feel that I am being penalized for closing the account. The terms also say : " The amount of your late fee will never be higher than your Minimum Payment Due '' which is not true in my case since the minimum would have been the interest charged. Also, I was told that my account did not have " Courtesy Late Fee '' removal because I earned miles using the card ( though other Citi cards do ) and that is not listed in the terms of agreement.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

attached is the CERTIFIED MAIL FROM XXXX XXXX. Transunion is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXXXXXX Open options Account XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or information Any other adverse item 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer.

I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA.

Please investigate the following : INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 
INQUIRY - XX/XX/XXXX - Remove immediately! 

I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have N0 record of me?

As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within XXXX  days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission.
Consumer complaint received 2023-08-19
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. (GA)

Goodevening, According to the FCRA, i have a right to dispute inaccurate information and errors on my credit report. I have two COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND EXPERIAN HAS YET TO REMOVE THE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF OFF OF MY CREDIT REPORT. Legally, unauthorized items, inaccurate information and errors must be removed immediately. I have contacted EXPERIAN numerous times to remove the information that i have no knowledge of. I am reporting to CFPB because i demand to get these false collection accounts off of my report immediately. I am not liable for this debt with the original creditors. I do not have a contract with collection agencies that are trying to collect for my credit report. They do not provide me with the original contract as requested. 

Accounts : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX {$700.00}
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-03-15
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: Resurgent Capital Services L.P. (NY)

In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681.

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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.
Consumer complaint received 2023-08-19
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. (FL)

I have been divorced XX/XX/XXXX from XXXX XXXX whose last 4 SSN is XXXX. 

As she was getting pre- qualified for the mortgage at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, these enquirers have equally affected my credit score. The credit checks she initiated were done from the months of XX/XX/XXXX through XX/XX/XXXX. 

These enquirers should be removed from my accounts with all XXXX credit bureaus and any line of credit that are registered to her SSN or or me.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2022 I sent a wire wire transfer of {$20000.00} to XXXX XXXX XXXX at Chase Bank XXXX  XXXX, OK. Copy of Wire Transfer attached. The office of CFPB helped me recover {$19000.00} of the {$20000.00} that Chase Bank had refused to return to my Checking Account at XXXX XXXX. The CFPB case number is # XXXX. The {$19000.00} was credited to my Checking Account on XX/XX/2022. Document attached. I spoke to XXXX XXXX XXXX XXXX, Relationship Banker at Chase Bank and asked about the additional {$830.00} that is still unaccounted for. He advised me that Chase Bank was withholding this amount for tax purposes and that I would be receiving documentation for this amount or that Chase Bank might return the amount to XXXX. As of today, XXXX XXXX, I have not received any tax documentation nor have I received any explanation for not returning the {$830.00}.
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (CA)

I have a timeshare membership through XXXX XXXX. They sent my maintenance fee bill to an address not used in 15 years, although having my correct address on file. 

It was then sent to Monterey Financial Services to collect on the debt. I received no notification in writing that this money was due or in collections from XXXX or Monterey Financial Services. 
I did receive an email and I quickly followed up with a phone call to XXXX XXXX - XXXX, ext XXXX. No answer. I left him a voicemail asking what this was about and asked for a call back. I never received one call back from them. 

In XXXX of XXXX I called Monterey Financial back and spoke to a general call center rep who took my payment, along with late fees for the amount of {$730.00} for account XXXX. To date ( XX/XX/XXXX ) I still have not received proof of payment/receipt via mail or email. I have called and emailed Monterey Financial with no response. 

My credit has been negatively impacted, showing a collections although the amount has been paid, and furthermore, my over 20 year old membership with XXXX is still " on hold '', and has not received my payment from Monterey Financial. I have paid but it is not reflected in my credit nor with XXXX. 
Please help. Thank you. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
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. (GA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX  XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

I have 13 negative collection on my report that are still there even though they are closed I have disputed many of them but they say they did nothing wrong I also had a equifax breach on my report back about 6 months ago And I have loans that I didn't even apply for on my report
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-19
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. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All disputed accounts are still reflecting in my score, they were supposed to be removed within 30 days after being disputed. I now have a potential lawsuit on my hands against XXXX.
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

MY CITY TAX WENT UP {$17.00}. and change I sent Mr.copper mortgage holder escrow money. {$470.00} and a addn ai XXXX dollars to add to my escrow, so as to keep my payments .at {$510.00}, calling them at lest 6 time.they told me that the co.mr cooper was a debt collector and a mortgage company.XXXX XXXX SOLD MY LOAN TO MR.COPPER.unknown to many i think they use to be called anyhow can you call them and check it out.help no. is XXXX