davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

Radius Global Solutions, LLC has contacted me several times regarding an unfamiliar debt. I sent a debt validation letter to request verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the referenced creditor. I also asked Radius if they have a debt collection license for my state, Illinois. 


Radius Global Solutions has yet to provide a copy of the written agreement created by my original requirement to pay, proof that the debt belongs to me, or a copy of the original creditor 's last billing statement. The statement Radius has provided does not outline or provide an itemized debt list.
Consumer complaint received 2022-11-25
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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (LA)

I've been an XXXX XXXX Barclays credit member for over four years. I've never been late on payments and have paid down balances in excess of {$8.00} dollars. My account has been reported 30 days overdue and delinquent for an amount of {$38.00}. I reached out to the credit card company to ask that the late report be waived. I had not used the card since XXXX 2022 and was not aware of the remaining balance. I paid the full account balance of {$38.00} as soon as I was reminded, but Barclays informed me that the last payment would still be reported to the credit reporting agency. I feel as though this is unfair based on my payment and credit history with this company. I am requesting to have the delinquent status removed from my report ( across all three agencies ).
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to {$62.00} in the month of XXXX, payment as per my XXXX statement. I paid XXXX XXXX through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them {$10.00}. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally dispute and express my deep concern regarding the continuous reporting of inaccurate addresses and fraudulent inquiries on my credit report. I have previously brought these issues to your attention, but despite my previous efforts, these inaccuracies persist. I kindly request your immediate attention and resolution of the matter. I have noticed that my credit report includes multiple inaccurate addresses that I have never resided at or had any association with. These inaccuracies raise concerns about the integrity and accuracy of my credit report. I request that these inaccurate addresses be removed from my credit report as they do not accurately reflect my residential history. The presence of these addresses on my report may potentially impact my creditworthiness and cause confusion for potential creditors. I have identified inquiries made by companies or institutions that I have not authorized or initiated. These inquiries are fraudulent and unauthorized. They raise concerns about potential identity theft or fraudulent credit applications in my name. I request that these fraudulent inquiries be promptly removed from my credit report to prevent any further damage to my creditworthiness and to protect against potential identity theft. 

I have previously provided documentation supporting my claims and have not received a satisfactory resolution. I trust that your bureau will address these issues promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The continuous reporting of these inaccuracies and fraudulent activities seriously jeopardizes my credit profile and financial security. 

Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the necessary corrections have been made. The following items are such in inaccuracies that are needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (MO)

I am writing to dispute the accuracy of certain items on my credit report from your bureau. After reviewing my credit report, I have identified several inaccuracies related to late open accounts, a charge-off, and a late closed account. I respectfully request that you investigate these discrepancies and make the necessary corrections to my credit report. I believe these inaccuracies are negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate these accounts and make the necessary corrections to reflect accurate information.I understand that you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate and up-to-date. I request that you promptly investigate these disputed items and, if found to be inaccurate, correct or remove them from my credit report. Enclosed, please find copies of supporting documents, such as my Driver 's License and Proof of my Address attached on my letter. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated credit report once the corrections or a removal have been made. Here are the following accounts that needs to be corrected or removed. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IL)

I C System has placed me under collections for an account that I have no knowledge of. 
I am requesting a formal letter be sent to my address at the very minimum including an original invoice, description of charges and anything else relative to this case that supportd my alleged debt. I have had a lifestorage unit in the past, nearly 1 year ago but have opted to sell all of the belongings in the unit in order to cover that months lease payment and closed my account with them at a {$0.00} balance.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 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 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 2023
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

In XXXX or XXXX I created a dispute for {$1200.00}. I never received the order. CitiBank/Home XXXX says it was delivered XX/XX/XXXX. They also claim it was signed for. I was returning from California on that date so there is no way I could have signed for it. In addition it was going to my office building which was closed for the holiday. They offered a settlement of {$350.00}. Unsatisfactory! I tried to call CitiBank several times after that and could not get through to a real person. I finally had to go into XXXX XXXX and have the manager call. I reopened the dispute in XXXX of XXXX. I had not heard from them for several months so, I called and was told they closed the case without any correspondence or phone calls. On XX/XX/XXXX, I sent a certified letter. To date I have still not heard a word from them.
Consumer complaint received 2023-11-12
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: WELLS FARGO & COMPANY (PA)

XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Wells Fargo XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.
Consumer complaint received 2023-04-19
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. (CA)

I received a response letter that says I am being represented by a credit repair company and they are requesting a copy of documents. I am not being presented by a credit repair company and I will attach all the necessary documents needed here. Here are the accounts I disputed : XXXX 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/2022
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WI)

I was unaware my information may have been compromised until i received a Chase debit card Chase Freedom Unlimited visa card in the mail. i called Chase they closed the checking account also called Freedom they cancelled the credit card they are looking into any suspicious activity on their end. the SS listed in my credit report from XXXX generated on XX/XX/23 was inaccurate. i placed a freeze on my credit report with all 3 credit reporting agencies on XX/XX/23.
Consumer complaint received 2023-09-07
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. (NJ)

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 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
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. (FL)

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : XXXX, Equifax and XXXX has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that XXXX, Equifax and XXXX has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : XXXX, Equifax and XXXX has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with XXXX, Equifax and XXXX directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that XXXX, Equifax and XXXX be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (MN)

You completed an investigation on the account listed here XXXX XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2003. You stated it was verified. Please provide the method of your investigation and the source.
Consumer complaint received 2023-09-07
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. (FL)

I am writing to file a formal complaint against [ Credit Reporting Agency Name ] concerning multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding adverse accounts that have been closed, the reporting of late payments, and the reporting of charged-off accounts.

Details of the Complaint : 1. Reporting Adverse Accounts That Have Been Closed : XXXX, XXXX and TransUnion has continued to report adverse accounts on my credit report that have already been closed. This practice is in direct violation of the FCRA, which mandates that adverse accounts that have been closed should not be reported on a consumer 's credit report. This incorrect reporting misrepresents my financial history and negatively impacts my creditworthiness. 
2. Reporting of Late Payments : I have discovered that XXXX, XXXX and TransUnion has reported late payments on my credit report, which is a clear violation of 15 USC 1666B. The FCRA requires credit reporting agencies to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a significant breach of this requirement. 
3. Reporting of Charged-Off Accounts : XXXX, XXXX and TransUnion has reported charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), charged-off accounts are considered income, and they should not be reported as outstanding debts on a consumer 's credit report. This practice misrepresents my financial status and creates an inaccurate reflection of my creditworthiness. 
I have attempted to resolve these issues with XXXX, XXXX and TransUnion directly, but my efforts have been unsuccessful in rectifying these violations. I am turning to the CFPB to seek assistance in resolving these matters and to ensure that my rights as a consumer under the FCRA are protected and upheld. 
I kindly request that the CFPB investigates these violations and takes appropriate action to address and rectify the inaccuracies on my credit report. I also ask that XXXX, XXXX and TransUnion be held accountable for its failure to comply with federal regulations and its impact on my creditworthiness. 
Enclosed with this letter are copies of my credit reports reflecting the inaccurate information, as well as any related documentation that supports my complaint. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving these violations.
Consumer complaint received 2024-04-04
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. (IL)

In accordance with the fair credit reporting act XXXX account # XXXXXXXX XXXX XXXX And account # XXXX XXXX XXXX XXXX. 
And account # 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.
Consumer complaint received 2023-09-07
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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