davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NC)

I have been disputing and requesting validation of a debt I do not owe for nearly a year now and Experian has not only been evasive, they have never once provided the requested and official documentation required by law, in reference to the following accounts : XXXX XXXX XXXX Acct # : XXXX since XXXX 2014, and XXXX Acct # : XXXX since XXXX 2014. 

Not once have they provided me valid proof that it was mine NOR that I had a contract with either of these company. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I have repeatedly asked them to provide the following, below ( items XXXX ) but would not disclose how they got any of my information in the first place:1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean up and report accurate, fair, and verifiable information, they are not doing their job.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.
Consumer complaint received 2022-12-02
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. (LA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (NY)

This serves as a follow-up to my previous communication regarding the urgent request for the deletion of a singular remaining inquiry from my Experian credit report. As per the stipulations outlined in FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that such items be expunged no later than XXXX business days after XX/XX/XXXX. I am reiterating this request in conjunction with my FTC report, referencing # XXXX. The specific inquiry I am requesting to be removed from my Experian credit report is as follows : XXXX XXXX XXXX XX/XX/XXXX. Failure to comply with this request will necessitate the initiation of legal action. My legal counsel is fully briefed on this matter and prepared to hold you accountable for deliberate noncompliance. I respectfully urge you to promptly remove the inquiry associated with fraudulent activity without further delay.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was scammed into thinking Bank of America called to inform me of fraud. The person said there was a fraudulent transfer of money to a XXXX XXXX account and asked to verify information. They asked to confirm my email address and said the funds would be reversed, however, I then received emails confirming a XXXX transfer from my BOA account to this other XXXX XXXX account in the amount of {$3500.00}. I also received an email with the location of the ATM that they were using to take the money out as it stated they were over their daily limit. I also received two other emails that stated I transferred {$1000.00} and {$2500.00} successfully. I immediately reported the fraud to Bank of America, who filed a claim. XXXX XXXX was also notified and I spoke to numerous agents who confirmed my email on the fraudulent XXXX XXXX account, along with a pending {$3500.00}, but stated they could not do anything until they received the fraud claim from BOA. I will be filing a police report and include all emails received from the fraudulent XXXX XXXX account.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of 2022. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Upgrade, Inc. (TX)

This alleged debt that XXXX XXXX XXXX is claiming that I owe is showing up on my credit report as charged-off by UPGRADE INC the original creditor allegedly. I looked up under that and XXXX XXXX XXXX is posting a collection for the same amount for UPGRADE INC, Which make this reporting inaccurate and false and deceptive because UPGRADE INC, charged-off this debt and took a right off. Meaning they basically canceled the debt. UPGRADE IINC, also filed a claim a claim with their insurance company to offset the alleged loss. After that UPGRADE INC, then sale the alleged debt to abandoned paperwork to XXXX XXXX XXXX and now they are trying to implicate that the account turned over to an innocent purchaser for value which is a violation of 15 u.s.c 1692e ( 12 ). The amount of {$2600.00} is in the positive form instead of in negative form which is false representation of an amount an a violation of 15 u.s.c 1692e ( 2 ) ( a ). Because of these actions the liability no longer exists an XXXX XXXX XXXX or UPGRADE INC, can no longer report this alleged collection or charge-off to the Bureaus causing me a financial injury and defamation of character Security finance I Never signed a contract with you for you to have and share my information which is also identity theft, nor did I give UPGRADE INC , permission to sell my information to you I am demanding to remove these items off my credit report or cease and Desist all communications with this alleged debt from any reporting agency Bureau or any other collection company, also of all medium. 
XXXX XXXX XXXX  is in violation of 15 U.S.Code 1692d ( 1 ) for posting this inaccurate information on my consumer report harming my reputation In violation of 15 U.S.Code 1692b ( 2 ) for stating I the consumer owe a debt IN VIOLATION OF 15 U.S.Code 1681b ( 2 ) never gave XXXX XXXX XXXX WRITTEN CONSENT TO FUNISH INFORMATION INVOLVING A COLLECTION A COLLECTION OF ACCOUNTS
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent written disputes via XXXX mail in regards to inaccurate late payments that are currently reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with XXXX demanding that these inaccurate late payments be removed from my consumer report immediately. However, it has now been over forty-eight ( XXXX ) days and I have yet to receive any correspondence regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the late payment error reporting is impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am demanding for you to remove all late payments on the accounts listed and accurately reflect 100 % on time payment history since inception of each account or I will take further action to pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NM)

I.C System inc. is in violation of USC 1692b. ( 5 ), violation of 15 USC 1692b. ( 2 ), violation of 15 USC 1692d and violation of 15 USC 1681.
Consumer complaint received 2024-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (WA)

I was charged late fees by PHH mortgage in XX/XX/year>, even though it was because of a system error on their side. Here 's the timeline : XX/XX/year> : My mortgage was transferred to PHH mortgage XX/XX/year> : I made mortgage payment for XX/XX/year> XX/XX/year> : the autopay for XX/XX/year> didn't happen because it wasn't set up by PHH mortgage ; I had sufficient funds in my bank account for the payment XX/XX/year> : I made payment for XX/XX/year> manually through PHH website I attached my bank statements for XXXX, XXXX, and XX/XX/year> as evidence. I request PHH mortgage remove the late charges.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NJ)

My friend wired me money and somehow at the bank one number was messed up and I didnt receive the money in my account. The banks system had my name and address but did not check if the account number matched my name.
Consumer complaint received 2022-02-03
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. (WI)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-05-15
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX I received a call from XXXX of J.P. Morgan/Chase Bank Email Service dept indicating that they had pulled my Credit Report in error. I do have a Chase Unlimited Freedom account for 10 months, however I had NOT requested any services. XXXX had shared that the error had been fixed and it would be transparent to me. The following day, XXXX XXXX, I receive an alert from XXXX and XXXX that an inquiry had been placed on my credit reports. My credit score decreased by XXXX points on each credit bureau. On Monday XXXX XXXX I called Chase regarding this issue and was transferred to a supervisor, XXXX XXXX. XXXX indicated that my account was documented that an error had taken place and assured me that it would take 3 business days for the inquiries to be removed. I received a letter dated XXXX XXXX indicating that " As you requested, were no longer processing your application for a credit card issued by Chase Bank USA , NA. This truly angered me because I had not requested credit. There is no application and this letter was dishonest and misleading. Then another letter arrived dated XXXX XXXX from Chase thanking me for contacting them about the inquiries shown on my report. They now said that instead of a three day turn around to remove the credit inquiries, it could now take 6 weeks. When I called Chase to get explanation for for the letter dated XXXX XXXX about my request for credit, XXXX XXXX said, did I think that I would receive a letter from Chase admitting their error. I did call the Executive Office and spoke to a XXXX who indicated that they are the largest bank in the country and no promises could be made as to when the inquiries would be removed. I asked to speak to her manager, XXXX XXXX. I left a message for her and never received a return call. MY last attempt on XXXX XXXX, I called XXXX XXXX, the Supervisor at Chase credit card services and she made it very clear that given the size of the bank, no promise of when the inquiries would be removed. XXXX made it clear that no personal attention could be given and if the inquiries are not deleted from my files, it 's between me and the Credit Bureaus and there is no reason to call them back. 
I have banked with Chase for over 20 years and their behavior and pompous attitude has me truly rethinking of banking elsewhere. Chase created this issue and now refuses to see it through. The inquiries dated XXXX XXXX 2016 remain on my XXXX and XXXX reports and has impacted my score. Any assistance to get Chase to answer for their actions and get the XXXX inquiries off of my credit file would be most appreciated.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

To Whom It May Concern, The reason for my dispute is XXXX  XXXX XXXX # XXXX, # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXXXXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX  XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.