davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (LA)

XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX XXXX Experian XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$830.00} on Experian, XXXX, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies Experian shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows no payment history within the last 24 months
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with WELLS FARGO BANK. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C.

Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The software tried to send me to AnnualCreditReport.com and I couldnt access the Transunion and XXXX reports. I asked them to fax me the report to ( XXXX ) XXXX - XXXX. But I am not getting luck. 

I asked for their fax numbers. I want to expidite the recieving of my credit reports so that I can fix and manage my credit. I am needing this get funding. 

Please have them fax me at ( XXXX ) XXXX - XXXX. Transuniuon and XXXX. If they cant please email them to XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these accounts were 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-31
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: DISCOVER BANK (CA)

In accordance with the Fair Credit Reporting Act Discover Bank has violated my rights under 15 USC 1681 section 602i have the privacy 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor must not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Capital One charged me a {$25.00} late fee on the same day my payment was due. How can this be ethical? If this is allowed to continue I will be assessed late fees each month my payment is n't submitted by XXXX on the due date. Again appears to be an unethical money scheme.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NV)

In accordance with fair credit reporting act this creditor has violated my rights under 15 1681 section 602 states. I have the right to privacy 15 US 1681 section 6048 section 2. It also states a consumer reporting agency can not furnish account without my instructions. 1666B not a payment on a credit card account under an open consumer credit plan as for any purpose
Consumer complaint received 2023-06-22
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MN)

on XX/XX/XXXX I logged onto XXXX to see a XXXX dollar balance on a credit card I did not open. This card was supposedly opened in XXXX and I was 8 years old at the time and could not have possibly opened the account myself. I disputed the charges on XXXX but nothing was removed from my account after their investigation. I do not have access to the account holder 's name or information as I have no idea who that would be.
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2022 {$500.00} XX/XX/2022 {$500.00} XX/XX/2022 {$500.00} XX/XX/2022 {$870.00} I got scammed. A person had send me a package through a delivery company called XXXX XXXX XXXX. The delivery person contacted me through messages to pay a shipping fee for {$870.00}. They contacted me again saying I need to {$4500.00} due to custom fees because of money laundering and kept on threatening me by saying how the custom officers would report me and put me in jail if I dont pay. The delivery person wont stop contacting me so I paid {$1500.00} through Chase XXXX. However, they kept on contacting me to pay other fees like I have to pay {$1000.00} to activate a bank account because they refuse to send money through my bank account and how they want {$10000.00} to be sent again. Which I did send {$1000.00} but not {$10000.00}. I had reported to the police officer and the XXXX XXXX XXXX. But Chase denied my dispute application.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days pat due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-09
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XX/XX/2023 EXPERIAN, XXXX, AND XXXX STATING ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX and got approved. At this same time I lost a family member to death so I was not even looking for the card in the mail. I never received the actual card. Since I never received the card it was not activated. I did however received a bill from XXXX XXXX. I called to try to resolve the issue and I was sent a email asking for my ID, which I uploaded. When I called to follow up, I was told that the ID was not legible. I resent it a total of 4 times The last time I resent it was XX/XX/XXXX and today I called and was told that a specialist would contact me in 7-10 days, I was also told that the balance on the card was over {$2000.00}. when the card was never activated and I was told on XX/XX/XXXX that the card was restricted. 

XXXX  XXXX are crooks.
Consumer complaint received 2023-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A. (TX)

I'd previously asked PNC to contact me by email or, only to call before XXXX or after XXXX. This was requested several weeks ago, XX/XX/XXXX, on a recorded line, when I received a call in the middle of a work meeting. I was advised not to take personal calls during work hours unless it is from one of the stores or is an emergency. 
On XX/XX/XXXX, same time, during a work meeting, I received another call from PNC during a meeting. I was then reminded of the XX/XX/XXXX admonishment and sent home, suspended. 
I communicated this to XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) on XX/XX/2023 via email at XXXX. 
On XX/XX/2023 I again received a phone call from PNC bank representative by the name of XXXX XXXX. 
In summary, I have received repeated phone calls from PNC after I've asked them not to on multiple occasions which has resulted in loss of income due to work suspension. 
This is clearly harassment, a violation of the FDCPA ; and, it needs to stop!
Consumer complaint received 2023-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

15 U.S.C.1681 section 602- i have a right to privacy.

15 U.S.C. 1681 section 604A section 2- allows the credit reporting agency to furnish consumer. reports in accord with the written instructions of the consumer to whom it relates.

15U.S.C.1666B- a creditor may not treat a payment on a consumer credit plan as a credit card open-end
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to dispute the presence of an account on my credit report, specifically with reference to Capital One, Account Number : XXXX. The details of this account are as follows : XXXX : Account # : XXXX Account Type : Revolving account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account # : XXXX Account Type : Credit Card Account Status : Closed Date Opened : XX/XX/XXXX Balance : - High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Paid, was past due 60 days Last Reported : XX/XX/XXXX XXXX : Account # : XXXX Account Type : Revolving Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$4000.00} Credit Limit : {$3800.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I am disputing the presence of this account on my credit report because it has been paid and closed. As per my records and the information provided in the credit report, the account was settled and closed by my request. However, the report suggests a discrepancy in the status, implying that the dispute investigation was completed, whereas I maintain that the issue remains unresolved. 

Additionally, there is a consumer statement indicating that the account is in dispute. I request that this statement be removed as the account has been settled, and there is no ongoing dispute regarding its status. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2022-10-27
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 received an outstanding collection for {$1500.00} onto all XXXX of my my credit reports however I was never notified by mail email or phone in regards to this collection being sold charged-off written off or transferred. 

I Mailed a dispute letter via certified mail to all three credit bureaus Equifax XXXX XXXX and XXXX. I requested that they investigate the matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Amount {$1500.00} Status Date XX/XX/XXXX Balance Date XX/XX/XXXX Designator code individual account Account number ending XXXX XXXX By law I am required to know who, not title unknown is utilizing financial information on my behalf. 

This collection is in violation of FDCPA. 

( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
( XXXX ) The false representation or implication that documents are legal process. 
( XXXX ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. 
XXXX XXXX XXXX The dispute letter requested that Equifax XXXX XXXX and XXXX Please verify that all information pertaining to my credit report is 100 % correct by providing the following items. 

*Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) * Other Financial Information XXXX you are unable to verify the account with the original documents, the information must be deleted from my credit report within 30 days. Please respond in writing within 30 days of receiving this letter. 
Thank you for your attention to this matter. 

The FDCPA states that debt XXXX must provide the following information in writing within XXXX days of first contacting debtee : All companies involved have failed to properly notifying me of these debts by surpassing the statue of limitations given under the rule of law. 

Below are signature upon receipts that Equifax, XXXX XXXX, and XXXX have received each dispute letter applicable for the debt in question. It has been now 30 days and No credit agency has responded via certified mail, email or phone. 

This is a violation of the XXXX. 

I have attached all documents that support my complaint. 

I humbly request that the CFPB assist in deleting this unlawful collection from all XXXX major credit bureaus.
Consumer complaint received 2023-03-01
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)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, TRANSUNION MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX