davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXXXXXX 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 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 of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-05-04
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: Navient Solutions, LLC. (FL)

Sallie Mae student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-08-16
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. (IL)

This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the XXXX XXXX he worked. He had to receive XXXX XXXX XXXX After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account did go to collections. XXXX XXXX sold my account to a collection attorney because at this time, my husband was severely injured in the XXXX XXXX he worked. He had to receive XXXX XXXX XXXX. After all was said and done, I reached out to the attorney to begin payments on my debt. The account has been paid in full and I was mailed the title to the vehicle. A year or so later, the vehicle was traded in on a truck. XXXX XXXX continues to report this account as open, delinquent, with a {$3300.00} balance. Since XXXX. I do not owe this money. They do not have the title but continue to refuse to remove this from my credit file. I would NOT have been able to trade this vehicle in without a title. My issue is that I don't know how to prove this as this occurred almost 10 years ago and I have nothing to definitively prove this is what happened. As of XXXX this account is the only negative mark on my consumer file. They have refused to remove this and I am in desperate need of assistance. Please ask them for a copy of the title to prove the account. They can't do it because they don't have it. I DID.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (OH)

I made a payment to Ditech  XXXX / XXXX /  XXXX   @ their website, I got a confirmation #  XXXX . Past 30 days I find out that they never got the payment. It went on my credit report.I called  Ditech today to see what happened.First they said something about the wrong account was entered, then came back on the phone and said the information was entered twice, thus rejecting it, BUT I got a confirmation #, I thought all was well.Ditech representative said they can not correct the negative report to credit bureau.that 's all I ask for.
Consumer complaint received 2023-06-06
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. (TX)

accordance with the Fair Credit Reporting act XXXX Account # XXXX Office Of attorney general, Account # 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 a account without my written instructions
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

Right now I am trying to fix my credit and as we went through my items in there I do not recognize any of the things on this particular claim. I have lost my wallet with all of my identification in it and I have put things in my credit that I am not proud of but I have no recollection of this.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a complaint against the three major credit reports agencies, Transunion, XXXX and XXXX is reporting a XXXX XXXX  XXXX of XXXX on my credit report which is false. I have reached out to the three major reporting agencies and filed a dispute asking them to delete this incorrect information immediately based on the following fact. I have attached a verification letter from the XXXX XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX New York stating the XXXXXXXX XXXX XXXXXXXX has no jurisdiction over credit reporting agencies and does not report, verify or furnish any information to the credit bureau or any credit monitoring agencies with regards to verify bankruptcy information.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXXXXXX XXXX XXXX XXXX or America received a check to their branch from XXXX for XXXX. They depsoti3d in their holding or carry account. They did not deposit it into any of my accounts. Since then after maybe 80 hours of phone calls visiting the brach etc each time they said it was citi problem. I had both finincails centers in call w each other. Finally recently XXXX bank of america said they havw the money in their housing accout & I'll receive it in 10 days ... I dis not. For some reason they insisted in opening up a fraud claim..even tho there was never fraud on my accounts. Each time I call I'm told a diff story and get transnfere. Usually I'm on the phone for 3 plus hours at a time. I even went into my local branch and the information they gave me was wrong again... then I'm told fraud claim is closed. Next day I'm told it's open wtc ... .in short they have my money and there is no way for me to get it. Back.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

XXXX XXXX, wrongfully charged my Chase Banking Account because, I used my XXXX XXXX  XXXX XXXX to order food, health products, house hold items, and the like, from the Stores that are listed on the XXXX XXXX XXXX ( which is the product of the XXXX XXXX ), and my XXXX, XXXX XXXX XXXX, have the App, on her cell phone, and on it, she is the XXXX XXXX Account XXXX, and she had her XXXX XXXX XXXX ( which is a XXXX Debit Card ), as the primary sourced ( and one the principle card to be used on the Account, and none others because, that is how XXXX set it up, and XXXX decided to release it, when I told them where the funds came from, and that was yesterday, and my {$100.00} was suppose, and to be ready for me to have access to it, as the Verbal Contract that waws made between me and the Chase Bank Representatives, and they just violated the Verbal Contract. They don't even know what a Verbal Contract means, let alone know what it means, and when I called in today, they started lying to me, and saying that there isn't no Verbal Contract with you, XXXX XXXX XXXX ( which is a direct lie, and I told them so, and that I am not going to agree to that Verbal Contract, you haven't even kept nor honor the first Verbal Contract, so why will I make another one with you?
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This morning XX/XX/23 I try to redeem my points from Bank of America credit card, then I find out my account got closed and I can't redeem my points, and the redemption department told me they can't do it because the account got closed, but I didn't get any notice beforehand, they said my account got closed on XX/XX/23, nothing is showing in my online banking or receive any type of notification from the bank through text, mail or phone call before XX/XX/23, otherwise I would redeem them before, my total reward points are XXXX, which worth {$9400.00}
Consumer complaint received 2021-03-17
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. (PA)

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-07
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of consumer protection laws and to seek your assistance in enforcing my legal rights. The violations I outline below have had a profound and detrimental impact on my life, causing severe emotional distress and financial hardship. 

1. **Unauthorized Inquiries ( FCRA ) : ** Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX Account Number : XXXX Violations : Incorrect high balance, inaccurate date of last activity, reaging accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit, improper reporting. 

3. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

5. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX These violations have significantly impacted my life. The inaccuracies and unjust reporting have hindered my ability to secure housing, employment, and credit. My family and I have endured constant stress and emotional turmoil as a result of these violations. The financial hardship caused by the inaccurate credit reporting has strained our ability to provide for our basic needs and future aspirations. 

I implore the Consumer Financial Protection Bureau to use its authority to enforce the applicable consumer protection laws and ensure that these violations are rectified promptly. I kindly request that you initiate a thorough investigation into the actions of the creditors listed above and take appropriate measures to hold them accountable for their unlawful practices. 

Furthermore, I respectfully demand that the aforementioned creditors provide verification for the disputed accounts or remove them from my credit report immediately. These unverified and inaccurately reported accounts are causing irreparable harm to my financial well-being and overall quality of life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to rectify these violations and restore my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (MD)

I have recently inquired about my account with XXXX XXXX  via CFPB in regards to my payment history till I discovered an error in payment reporting on my credit file. Equifax is reporting an invalid payment history ( XXXX was not recorded in my credit file which is a violation and needs to be removed immediately for violation of FCRA. Also would also attach credit report from XXXX, XXXX which shows XXXX being reported but Equifax isnt reported and shows or comes up at no data in my credit report and because of that, my credit has been messed up and Im barely being accepted for credit offers due to this being reported on my account. 
According to 15 U.S Code 1681i. According to XXXX. credit file it indicated that my account was positive till XXXX  XXXX and Equifax doesnt have no data recorded for my payment from start of creation to XXXX  XXXX when late payment reported as 30days late. Attached is documentation for evidence and according to Equifax, XXXX XXXX  ran a soft inquiry on my credit file and updated payment history without my authorization. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I am also in the process of filling a complaint with FTC for improper use of credit file.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-08-16
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. (MD)

You are in violation of federal law under the Fair Credit Reporting Act. Under the FCRA 15 USC 1681b- Permissible Purposes Of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Experian any written instruction to furnish a consumer report. No consent is identity theft. A copy of the identity theft report as proof marked Exhibit A attached.

Furthermore, you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairly and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity, and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX, and marital problems.

You have prevented me from extending credit and stopped my livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me.

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me you furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public.

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my consumer report and file.