davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : XXXX Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ) XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database E-Oscar search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$620.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
XXXX. ACCOUT NAME : FIRST PRMEMIER ( XXXX ) XXXX BAL : {$680.00} This account was charged off listed with wrong balance please delete error XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$460.00} no proof of contract collection trans error please delete. 
This account is duplicate listed multiple times.
Consumer complaint received 2022-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX, XXXX, XXXX and XXXX are credit reporting agencies. They are not credit bureaus. The only bureau that exist regarding consumers is the Consumer Financial Protection Bureau. Capital One is reporting false and negative information to my consumer credit report. Capital One is responsible for fixing it. I demand you correct your mistakes, update my consumer credit report, reflecting the correct information. Capital One did not have permission to give my personal information to the credit reporting agencies. Under the Truth in Lending act, Pursuant to Title 15 U.S. Code 1605, the Finance Charge in connection with any consumer credit transaction is the SUM OF ALL CHARGES. That includes late fees and lien fees from any title company. I was never late making payments. However Capital One is reporting a 150 days late fee to my XXXX consumer report. Pursuant to 15 U.S. Code 1666b a credit card ( social security number ) under an open end credit plan can not be treated late for any purpose. Capital One is reporting 30 days late in XXXX XXXX 60 days late XXXX XXXX 90 days late XXXX XXXX, 120 days late XX/XX/XXXX and 150 days late and XX/XX/XXXX. Capital One Received payment in full. According to CFPB 1016.7, and Pursuant to Title 15, U.S Code 6802 ( b ) Capital One was supposed to provide a form of opt out notice to consumers giving consumers the option to opt out of reporting private information to credit reporting agencies. Capital One has never sent a form of opt out notice, via email, mail, or electronically. I am demanding that Capital One remove or update the account with accurate reporting..
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/XXXX I submitted a complaint ID XXXX that LVNV Funding LLC violated my consumer rights by reporting an alleged debt without giving proper notification of this alleged debt for me to dispute before reporting to the CRA 's XXXX LVNV Funding LLC was asked to provide a copy of the Certified Mail Receipt with the delivery and receipt of all disclosures and documentation that was sent prior to reporting account number XXXX to the Consumer Reporting Agencies. As of this date XX/XX/XXXX and the response to the CFPB, they have failed to do so. Simply uploading a letter does not show verification that you followed the laws according to the FDCPA before reporting this alleged debt. The letter could be generated and dated for any date, but this does not show proof of receipt or delivery on your behave before initial reporting. LVNV Funding LLC you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. You have not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV Funding LLC you have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). ( see attached ) LVNV Funding LLC, you are violating my consumer rights by attempting to collect on an unsubstantiated debt. Upon receipt of this complaint, upload a copy of the Certified Mail Receipt verifying you followed all the federal laws in accordance with the FDCPA by providing notice of this alleged debt before you reported it. Also provide me a copy of the purchase agreement between you and the original creditor of this alleged debt.
Consumer complaint received 2024-04-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC (PA)

I attempted to purchase/ lease a car from BMW XXXX who ran my credit XXXX times without my knowledge or authorization. This excessive credit runs occurred between XX/XX/XXXX and XX/XX/XXXX. 

BMW also reported to credit reporting / collection agencies that at some point there was a repossession of my vehicle. This never occurred.
Consumer complaint received 2023-03-21
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. (NJ)

n accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights 15 U.S.A 1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.A 1681 SECTION 604 A 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: Experian Information Solutions Inc. (MD)

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 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase Freedom Credit Card in an around XX/XX/XXXX. In XX/XX/XXXX, Chase closed my account. Since this time period, Chase has been unwilling to work with me and has consistently provided me with rude customer service. Several times they had claimed that payments were returned due to my bank accounts being restricted. I have checked with all financial institutions with whom I am an owner of an account and have confirmed there were no restrictions and all my accounts that I have provided to Chase to make payment are open and active. Due to the difficulties imposed by Chase on paying this account,, I requested a settlement on this account, beginning in XX/XX/XXXX. My requests were repeatedly denied, as well as several attempts at a payment plan. In XX/XX/XXXX, I entered into a Settlement agreement with Chase regarding this account, in the amount of {$2800.00}. It was my intention to pay this account off by XX/XX/XXXX. Due to Hurricane Dorian possibly making landfall over Florida and that I work in the tourism industry, my finances were severely affected because if business becoming slow, lack of hours etc. I contacted Chase on XX/XX/XXXX to see if I could move payments back to XX/XX/XXXX, with a final amount due being paid by XX/XX/XXXX. My request was denied and I was told that if I do not pay the entire balance by XX/XX/XXXX, my account will be charged off early and Chase does not have to wait the normally required 90+ days.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

XXXX off XXXX Recent changes XXXX XXXX XXXX XXXX point since XX/XX/2023 Balance Increased WELLSFARGODEALERSVCS account balance increased ^ Between XX/XX/2023 and XX/XX/2023, your WELLSFARGODEALERSVCS automotive account balance increased by {$150.00} from {$35000.00} to {$35000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Balance Decreased XXXXXXXX XXXX XXXX account balance decreased Today Credit XXXX XXXX XXXX Wrong info from Wells Fargo to XXXX
Consumer complaint received 2023-07-18
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: WELLS FARGO & COMPANY (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' WELLS FARGO DLR SVC/ Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 1 yr, 7 mos ) Term 72 months Payment History Youve made 78 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times 30/60/90 days late 2/1/1 Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2019-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I have contacted kimball tirey & st. john to discuss a large collection that appeared on my credit record. They informed me it was from a lease that was for an apartment my x wife had in her name only. I explained to them I was not a part of that and the contract was signed by her only before we were married. I requested multiple times they provide me a copy of the contract they told me I signed. They refused on every occasion. They also have it in dispute with the credit agencies I have explained to them I am trying to purchase a house and this is holding me up. They said they will hold me buying a house up unless I pay them and they would also not do anything about the dispute.
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CT)

i recently reviewed my consumer report and noticed that SUNRISE CREDIT SERVICE was reporting my personal private information to XXXX, XXXX, XXXX XXXX without permissible purpose, and also attempting to collect an alleged debt that they can not verified or validate based on ( FDCPA ) 15usc 1692 ( g ) b.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This letter is to inform you that Transunion is reporting incorrect information on 2 of my accounts. As they have been marked in other bureaus as paid. Transunion has them as derogatory and its hurting my possibilities with future credit. 
XXXX ; XXXX XXXX XXXX ; XXXX Please update as they were paid on time. In addition everything on my consumer report has to be 100 % accurate.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

On XX/XX/XXXX I personally received an email for the Executive Office of Discover.

As I stated the Consumer Protective Agency is involved and your company must follow the protocols. This debt was charged off and closed. 

This company wants to go around the federal government to engage in harassment or abuse. They don't want their communications seen by the Federal Government. 

I do not want any contact with this company. 

My last payment to the account was in XXXX. They put three payments on in XXXX illegally in order to ruin my credit and to restart the debt clock. All of my payments were made by United States Postal Money Order. They can produce the payments " they claimed '' was made to the CFPB by scanned document. I only paid with United States Postal Money Order.

IF they can't produce this I am requesting the account be removed from my credit. The account has reached 6 years 4 months. Early Exclusion rule applies. This company has reported different dates to each creditor as to when the account was opened and when the last payment was made. XXXX XXXX stated Discover told them the account stays on until XXXX. The account is supposed to come of in XXXX. Early XXXX. Last payment XXXX of XXXX. It has been 6 years and 4 months.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi Boa ; I just came from your local branch because my card hasn't been working and they said that my card was closed. I checked with my credit report now, and it showed 3 consecutive missed payments. I made my last payment with BoA of over $ 200+ back in XXXX / XXXX and never used the card again. How is it possible that i have a bill of {$50.00} with you guys. Plus I never received any emails, texts, mailed about my statements in order to alert me of any missed payments. The fact I never used the card since my last payment, I wasn't aware that i owed that amount of money. The bank Rep pulled an old statement from the archive and went through a transaction from " identity '' subscriptions that i never opened before. My card was compromised and they immediately closed whatever account and initiated an investigation, to have that money returned to the bank of America. THat's a fraud that happened and I'm not liable for it plus I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report. Please remove those 3 last payments that you reported on my account.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

In accordance with the fair credit reporting act. These account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. LVNV FUNDING LLC ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. LVNV FUNDING LLC ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX XXXX  XXXX XXXX  ACCT # XXXX IM BEING CHARGED TWICE FOR THE SAME DEBT XXXX. XXXX XXXX XXXX  XXXX ACCT # XXXX BEING CHARGED TWICE FOR THE SAME DEBT 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) any other adverse item of information, other than records of convictions of crimes which antedates the person shall not furnish information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to XXXX XXXX XXXX and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by XXXX XXXX XXXX because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once XXXX XXXX XXXX was contacted. 

Payment application errors : XXXX XXXX XXXX rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? XXXX XXXX XXXX should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
XXXX XXXX XXXX did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : XXXX XXXX XXXX Loan #. 
XXXX XXXX XXXX credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
XXXX XXXX Company should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.