davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (CT)

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.
Consumer complaint received 2023-07-07
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. (TN)

I recently contacted the company TransUnion about inaccurate information reporting on my credit that was making a negative impact on my creditworthiness. I contacted them in the month of XXXX to let them know of this activity. As well as inform them that the accounts reporting were made by way of fraud and that I filed a separate report with the FTC on said issues. I forwarded the information to them as well as tried to start a dispute process with them over the phone but I could not get any help at all. to know avail the information currently updated on my report is accurate even thou my address is incorrect and I do not have any knowledge of the accounts that reporting based on USCI recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (MI)

Open checking my credit reports in XX/XX/year> I found XXXX XXXX  and several other fraudulent accounts are being unfairly reported on my credit report. I never gave this account any permission to run my credit or use my credit. I demand that they discontinue furnishing this information as it is violating my credit laws accord to the Truth and lender act and FCRA.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

In Accordance to the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC. (MI)

Original Creditor sold debt to XXXX  party. 
Amount XXXX XXXX XXXX,2024 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (CA)

As I have been experiencing financial identity theft I have submitted over XXXX pages on different occassion to Experian credit bureau to get my credit restored. The last documents that I have submitted was on XX/XX/2023, including XXXX Police Department incident report number : XXXX in regards of financial/identity theft report, FTC identity theft report in regards of identity theft, emails in regards of XXXX XXXX XXXX filing bankruptcy where XXXX XXXX is listed under my address, United States Bankruptcy Court Central District of California XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX. As I had submitted all documents for several months in order for it to be removed I constantly get hunged up on from the dispute department to the fraud department. I leave my number for a manger to call back and yet the person does not call back by the name XXXX and hangs up. Last conversation took place was early XXXX where an XXXX stated to me that they recieved my documents and that it will be taken care of and blocked. I called today XX/XX/2023, and was hunged up 3 times and last week XX/XX/2023, 3 times as well and was told that an Manager will call me back but no one did. I just want my credit to be restored to what it was and Experian has been non corporative and has shown very bad customer service and not doing there job to remove it off. Credit Bureaus must honor your request to remove fraudulent information from your credit report especially if you provided ALL documents. This is called blocking. Once information is provide it is to be blocked, companies can't report the debt or try to collect it from you. As a consumer I sent this to them as well and asked them to let all credit bureaus know that I want it to be blocked. This is very mentally draining as I have been dealing with this for years and now that I have shown them proff they will not delete.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/, I contacted the branch in regards to my IRS/Employment Retention Credit for covid-19 XXXX XXXX  owners, that I had received. To my surprise, I was informed by the bank staff, specifically XXXX ( Acct Risk Closures Department ), that my check needed verification from the IRS before the funds could be made available in my account. However, I had already contacted the IRS, who confirmed the validity and legitimacy of the check, they also confirmed that they do not offer check verification internally so I was given misleading information from your financial institution. IRS prompted that the check be verified through https : //tcvs.fiscal.treasury.gov The reason for this letter is to formally request an immediate resolution to two significant issues : the unjustified hold placed on my funds and the lack of transparency regarding the status of the check verification. According to the terms and conditions of my account agreement, the processing time for check deposits is clearly specified, and the bank is expected to abide by the agreed timeline. 

Not only has Bank of America exceeded the stipulated time duration for processing my deposit, but the lack of communication and appropriate feedback regarding the status of the check hold is highly distressing. In particular, XXXX displayed an unprofessional and discourteous demeanor during our conversation. He abruptly hung up the phone without offering any explanation for the extended hold duration or providing me with the necessary details about the check verification process. I was left on hold for hours to be treated poorly and unfairly.
Consumer complaint received 2020-03-05
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX
Consumer complaint received 2023-09-11
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX You are in Direct Violation of The Fair Credit ReportingAct and have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Therefore XXXX XXXX account # XXXX Should not be reporting any late payments on my credit profile furthermore, I did not give you written consent. 

Remove these late payments and update them to ( PAANL ) paid as agreed never late immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc, XXXX XXXX You are in Direct Violation of The Fair Credit ReportingAct and have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Therefore XXXX XXXX account # XXXX Should not be reporting any late payments on my credit profile furthermore, I did not give you written consent. 

Remove these late payments and update them to ( PAANL ) paid as agreed never late immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-12-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

Dear Executive, My name is XXXX XXXX, regarding to my account the system place a limitation XXXX. 

This Just happend after i attemp to link My XXXX  XXXX XXXX Account. 

I really apreciate you to help me to fix this issue becouse i never have any problem with my account. 

Any Information on aditional i will glad to help you. 

Thanks
Consumer complaint received 2017-02-15
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

State of Arizona sold a house through Navy Federal Credit Union and Veterans Administration ( NFCU/VA ) in XX/XX/XXXX. State of Arizona failed to disclose XXXX in the running water until 2 days after closing. VA " guarantee '' was paid {$7400.00} of my money by NFCU for mortgage insurance " funding fee. '' Witch should have been waived because of my XXXX. Law suit was filed in the Superior Court of Arizona on XX/XX/XXXX case number XXXX XXXX & XXXX. They broke the LAW, and then run to alter their policy to try to cover for their lawlessness. NFCU whom I made this deal with, refuses to work towards a resolution, projecting their responsibility over to the State of Arizona and VA. VA is no help. NONE. The {$7400.00} given over to them was for their own enrichment, and to disadvantage me. NOW, NFCU & State of Arizona are lying again regarding an unlawful " auction '' which they say took place on XX/XX/XXXX, using " Commercial Lease '' property law, to bypass foreclosure law, and attempt to enforce a 5 day eviction notice. THE LAW IS NOT DEAD! ARE THE AMERICAN PEOPLE? If " We The People '' DO NOT STAND AGAINST SUCH TYRANNY, WE SHALL BE OVERCOME!!!
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (CA)

In XXXX we purchase a home which already had solar. In XXXX our bills from XXXX started rising up. The first bill was XXXX plus the payments we would make to the solar company with were close to XXXX. Then XXXX came along and it was XXXX plus the solar bills which ended up at about XXXX. I started to question why our bills were so high if we live in a house not a building. If we had solar it made no sense. The solar company stated our system was offline but we were getting billed based on estimates. I kept emailing and calling asking them to come out and check our system. In XXXX my settlement bill for XXXX  is XXXX. I kept on calling and recording the representatives stating we were offline and our solar wasn't producing. I've opened multiple complaints with different government agencies and nobody seems to help. Everybody tends to send the ball a different way. They finally sent a company out XX/XX/XXXX which stated our system was fine. Then after that I hired a solar consultant that came out and showed me picture of our system and it was of course not working and a diagnostic of the problem. As we already new the solar system wasn't working. Meanwhile they sent me to collection. Which I find unfair that they would send me to collection for a service I am not receiving and also for them billing me on something that's not there. I've reached out to them to make a remedy of this issue and they have not been wanting to help. They not also not performing any more solar systems but make us stay hand tied because they tell you to add more panels to your house with another company yet no company wants to add due to the house already having a system in place. I have already endured a lot of expenses with this issue to have them ruined my credit with a service I didn't receive. I can provide pictures, bills, and emails.They state on the complaint I opened previously I canceled an appointment but how are you giving me one day notice to be home. I asked to be rescheduled for another day and they said they would call me back. Til this day I have not received a call. I also have a recording where they state if I don't pay they would send me to collection. It seems un fair they want to go get paid for a service I wasn't getting and not wanting to come out and fix the issue. I hope the CFPB takes action on this to help the consumer not get screwed over these companies that take advantage of the people. Im drowining in bills to keep our electricity on and yet this companies are not doing one thing to resolve the matter. I've searched and there are many people like me trying to get help.
Consumer complaint received 2023-07-07
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. (MI)

My student loan was transferred and I had no knowledge of it until I got an email saying welcome to ur new loan service. The old loan was removed and the new loan was applied. Taking my credit scores lower than normal.
Consumer complaint received 2022-12-06
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX