davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. Rectifying these issues promptly is crucial to ensure the accuracy and fairness of my credit profile. 

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : Inaccuracies exist in the reporting of late payments on my credit report. 

2.Credit Utilization : Reporting of credit utilization on my credit report contains inaccuracies. 

3. Personal Information : The reporting of personal information, such as names, addresses, phone numbers, and employers, is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). 

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, XXXX, and Transunion. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

10. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ), and no employers. 

11. Deletion of Personal Statement on Transunion Report : I request the immediate deletion of the personal statement on the Transunion consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX, and Transunion systems concerning my consumer report. 

13. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-28
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. (CA)

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX XXXXonsumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 

XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX 15 U.S.C1681 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 handwritten instructions.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield And Associates Legalinc Corporate Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : The Office of Registered Agent for Wakefield And Associates Inc My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate acting trustee Wakefield And Associates on XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 


Thank You, XXXX XXXX
Consumer complaint received 2023-02-13
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: Fidelity National Information Services, Inc. (FNIS) (DE)

Dear Consumer Financial Protection Bureau, On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a letter to [ XXXX XXXX XXXX  ] requesting validation of a debt that they were reporting on my credit report. I did not receive a response to my validation request. 

On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a second letter to [ XXXX XXXX XXXX  ] again requesting validation of the debt. Again, I did not receive a response. 

On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ], I sent a third letter to [ XXXX XXXX XXXX  ] requesting validation of the debt for a third time. Once more, I did not receive a response. 

To date, I have still not received a response. 

As a result of the debt collector 's failure to validate the debt, I have suffered damages including but not limited to : the inability to open bank accounts, difficulty in obtaining employment, and being denied the ability to purchase a house. 

I demand that the credit reporting agency, CHEX SYSTEMS, remove the account in question from my consumer report immediately I am writing to make a complaint against ChexSystems for violating my rights as a consumer under the Fair Credit Reporting Act. This is the eighth time I have disputed an account with them and I am still encountering issues with having it removed from my consumer report. 

I demand that this account be deleted from my consumer report immediately, as it is in violation of the provisions outlined in 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), which states that reported information can not be based solely on transactions and experiences between the consumer and a company. I have provided ample evidence to support my claim, but it seems to have fallen on deaf ears. 

XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$590.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$630.00} Closure Status : UNPAID I am fully aware of my rights as a consumer and will not hesitate to take legal action against ChexSystems if this account is not removed. I am seeking the maximum amount allowed under the law for the harm and inconvenience caused by this violation of my federally protected rights. 

I hope that the Consumer Financial Protection Bureau will take swift action in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your time and attention to this matter. 

Sincerely,
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation (IL)

I closed the credit card ending in XXXX account back in XXXX, 2022 ( A screenshot attached ). HOWEVER, as of today XX/XX/2022, I received the statement and was charged for the annualized fee in the amount of {$65.00}. 

TERRIBLE!! When my account was closed, I made overpayment, leaving my balance XXXX XXXX XXXXwhich means OneMain XXXX  card should have issued the {$5.00} check TO ME. However, now I see that I need to pay the annual fee for the card that I closed XXXX months ago??? 

I called the customer service and it doesnt let me connect with the representative since I dont know the card number anymore! 

PLEASE REVERSE THE ANNUAL FEE AS SOON AS POSSIBLE AND ISSUE THE CHECK IN THE AMOUNT OF XXXX XXXXXXXX WAS THE FINAL CREDIT ON THE LAST STATEMENT WHEN I CLOSED THE CARD.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX is reporting on my credit profile inaccurate payment history. The accounts listed are paid on time XXXX XXXXXXXX and XXXX XXXX
Consumer complaint received 2022-02-01
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: EQUIFAX, INC. (AL)

Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests, I ask that the items be deleted to correct my credit profile. I reported the theft of my identity to the FTC ( federal trade commission ) and I also have enclosed copies of the Federal Trade Commissions notarized identity theft Affidavit.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IA)

This complaint is against Chase Credit Cards, a part of J.P. Morgan Chase Bank, N.A., doing business as Chase Bank. 

As a Chase Sapphire Preferred credit card customer, I was subjected to a fraudulent charge of {$290.00} from merchant XXXX XXXX XXXX XXXX based in XXXX XXXX, XXXX, XXXX. Listed transaction date was XX/XX/2019 and transaction posted date was XX/XX/2019. Transaction reference number is XXXX. 

I filed a dispute for the full amount of {$290.00} on XX/XX/2019. Case number is XXXX. Somehow and without any sound reasoning, Chase opened a duplicate dispute for the same transaction and assigned in case number XXXX dated XX/XX/2019. 

The original dispute stems from the fact that the merchant charged me twice for the same car rental, or they forged a second car rental contract and charged it to my Chase credit card, which was provided to them for incidentals only. 

The original car rental reservation was prepaid by a different ( non-Chase ) credit card. Chase was provided documented evidence ( receipt and reservation confirmation ) of that rental from the very first dispute filing. 

I had only authorized my Chase credit card to the rental desk clerk for incidentals/damages on my prepaid rental. I never authorized any other charge on it. That evidence was completely ignored by Chase. 

Furthermore, I believe Chase gave the merchant more than the 30 days they said they provide to merchants for replying to disputes. I called Chase customer service close to the 30-day mark and was told by an agent that the dispute was ruled in my favor because the merchant never replied.

Then around the 35-day mark Chase forwarded documents from the merchant showing fraudulent signatures that bore zero resemblance to my authentic signature. I contested the fraudulent signatures within the allotted time via paper mail, as well as via Chase 's internal online messaging system. I reiterated the fact that I had already provided proof of payment to merchant via another credit card. I asked why that was ignored. 

Both, my letter, as well as my secure email message to Chase were completely ignored ( I have proof ). They re-billed the {$290.00} to my credit card account and back-dated it to XX/XX/2019. 

I'm confident that the facts and supporting evidence of this dispute will clearly demonstrate that Chase has committed unprofessional and unethical conduct. They are bullying a consumer who has been defrauded. I have excellent credit, and I take pride in fulfilling my financial obligations. However, I refuse to be defrauded and pushed around. I will hold steadfast to my principles by never paying a dime of that {$290.00}, and I kindly request a thorough investigation of Chase 's business practices pertaining their dispute process.
Consumer complaint received 2022-04-14
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)

Experian is in violation of 15 U.S. Code 1681c-2 which states Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. It has been over 4 business days since Experian has received my documents and opened a dispute for the following Fraudulent account XXXX XXXX ( Account NumberXXXX ) Balance : {$530.00}. I have provided all my documents as needed and this account is still being reported by Experian. Along with this complaint, I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiries, along with my statement ).
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX Original creditor : XXXX XXXX XXXX, Account # 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 2022-12-29
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. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-01-31
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. (GA)

I have been sending letters since XXXX of 2020 to all three bureaus. These letters included proof that it was me who sent them, it included disputes I had for items i did not recognize or felt were not reporting accurately. I know from research that the Bureaus have 30 days to investigate then 15 days to respond, I have given plenty of time and chances for them to respond but they have not been providing me with responses. I have seen very minimal changes, if that and I am very disappointed that I have to pay for an online monitoring service to see if they have even made changes because they have failed to send me even a letter requesting more time or confirmation that received my letters. I even paid extra to send some of the letters certified because I wanted to ensure they were receiving them.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MO)

XX/XX/XXXX opened XXXX XXXX store credit card when I purchased a set of tires the total was {$1000.00} there was a promotional offer of no interest if paid withing 12 months. When I received the 2nd statement in XXXX, interest had been charged. I made first contact with Comenity customer service. I was told that an error could have been made and the person that opened my account did not select the " promotional '' option on my card. I was told they would investigate, and considering they found the promotion active at the time and terms were met the changes would be made to my account within 30 days. I made 2nd contact with Comenity in XXXX, after that initial 30 days. I was told that it could, in fact, take up to 60 days. They saw the previous notes on my account and it was " in process to be reviewed. '' Due to XXXX, my 3rd contact to Comenity was in early XX/XX/XXXX as the issue had still not been resolved, my account is still accruing interest. I called Comenity customer service and asked to be escalated to a supervisor. I was told by this supervisor that it could take up to 180 days and they had nothing but attitude to offer. At this point I made contact with the original point of sale, I went back to the store I made the purchase and opened the card. They told me that this has happened before and that they would refund the amount of the charge, switch the account to promotional, reapply the charge and it should be good as they have had to do it several times before. The refund and reapplication of the charge did happen, but the interest was still on the account and had accrued more, this time the terminology used on my statement changed it went from " interest for this period '' to " XXXX XXXX XXXX int XXXX XXXX '' as if my account had surpassed the promotional period and was accruing deferred interest. The amount of interest seems to have decreased but it should be XXXX and all the previous interest is still on the account. The terminology has changed again, now saying " Interest charge on purchase. '' I went back to the XXXX XXXX XXXX XXXXXX/XX/XXXX to once again attempt to have the issue resolved. The associate at the store once again helped make contact to customer support, they see all the previous notes, agree on the fact that there is an error on the account and it is accruing interest in error. The Comenity customer service agent calculated the interest, which is currently {$99.00} made note of that and said they would submit a ticket and I should look to hear from someone within 5-10 business days, that was nearly 3 weeks ago. I have not heard anything and the account is still not resolved.
Consumer complaint received 2023-02-10
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. (OH)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2022-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've requested that XXXX XXXX XXXX please have Capital One verify the original debt they are collecting on. They also list that they opened the account with the bureau 's although I believe the account is older than 2020. They have yet to verify the debt I've requested.