davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
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: ERC (CA)

Dear CFPB, There is a Collections account on my three credit reporting agency reports that is either not mine or is reporting seriously incorrect information.

It is XXXX XXXX XXXX with an open date of XX/XX/XXXX.

Last year, I contacted the three Credit Reporting Agencies about this collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agency did not respond to my request for validation.

I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time.

I am worried that this collections is either not my debt or has been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I do not know what else to do. Can you please assist in me in getting this erroneous collection report removed from my three credit reports?

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-04
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 Account Number XXXX is only reporting on my Experian credit report. I have attempted on numerous occasions to dispute this alleged account with the credit agency by requesting a proper investigation into the entirety of this account. Experian took longer than 30 days to investigate and then responded back to me that the account had been properly investigated. 

How is it possible that this alleged account has been properly investigated when it only reports to Experian? If the alleged account was properly investigated, then why is the open date, date last active, and date last reported, which currently reflects XXXX, XXXX accurate? 

XXXX XXXX XXXX has violated my rights under15 USC 1681.

15 U.S.C 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. For the record, I have never given this alleged account written permission to furnish this account on my credit report.

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any 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. 

I have attached my XX/XX/XXXX credit report for your review and, in support of this complaint.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NC)

I am on a payment plan. I contacted DISCOVER last week about making a payment on XX/XX/XXXX for the XXXX month. They told if I do that then my account will not be showing late on the credit report. It shows 30-59 days late. I paid {$170.00} on XX/XX/XXXX. Please fix the error on the credit reports. On all three of them. Thanks!
Consumer complaint received 2022-08-17
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: CORELOGIC INC (GA)

From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Finance Holdings, LLC (CA)

I did not sign this loan with Service Finance- this is not my signature and i did not veri sign i have emails from them saying i havent veri signed - also i have police report of use of reporting my credit monthly with negativity XXXX XXXX
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX 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 2019-08-28
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. (NC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-06-12
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: DISCOVER BANK (TX)

I purchased an item from XXXX on XX/XX/21 using Discover card. When it arrived, it was found to be not as described, missing a key part. Contacted XXXX for refund or replacement on XX/XX/21. No response was received. Initiated dispute with Discover on XX/XX/21. Discover dismissed my dispute it for no reason even though the merchant ignored and did not remediate the problem.
Consumer complaint received 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in 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 2022-06-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account number ending in 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 2022-06-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-05-04
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: 1st Franklin Financial Corporation (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX Chase Bank closed my account. I am aware chase can close any account without previous notice or for no reason. However, is been 3 months since then and Chase has no given any information about the money that was in the account. They keep saying the {$5600.00} that was in my account is under review. But even thought I told them that money was all I had and that I needed as soon as possible, they havent sent any letter, or call trying to show they are actually review. There is no report at all about the review of this money. 

Why does the review is taking more than three months and you dont update the client about it? 

Please help me with this unfair position that chase Bank is having.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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: GOLDMAN SACHS BANK USA (MS)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-05
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. (CA)

XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to XXXX XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX XXXX XXXX I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXXsince that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-04
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: CLGF Holdco 1, LLC (NC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 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 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 2021-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Solutions has been violating my consumer rights and I have NEVER done ANY business with them, nor have I even heard of them prior to their harassment. I've received numerous phone calls from Portfolio Recovery Solutions, harassing me, they refuse to even identify themselves. I DO NOT KNOW how they have ability to contact me, Ive NEVER given them my information or permission to do so. Portfolio Recovery Solutions called XX/XX/21 at XXXX, I demanded they NEVER contact me again, and informed that I DO NOT OWE ANY debt or obligation to them yet the calls kept coming in, On XX/XX/21 at XXXX and XX/XX/21 at XXXX ; XXXX and a few other times. Portfolio Recovery Solutions calls from different numbers at ANY time, they completely ignore my Affidavit and cease and desist letter signed by notary under penalty and perjury XX/XX/21. PLEASE HELP ME stop this fraud and receive the remedy afforded by law.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$430.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Consumer complaint received 2021-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CO)

I have received numerous calls from a source I know nothing about. The last two calls referred to me as an attorney which I am not. The person who gave his name as XXXX XXXX is saying I have unsettled legal matter with some payday loan company. Twice he referred to me as counselor which I am not. He threatened me with legal action.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (CO)

The lease on my XXXX XXXX XXXX was scheduled to end on XX/XX/2018. 

I turned in the car to the dealership on XX/XX/2018. 

My lease with US Bank is paid with an automatic monthly ACH, withdrawn on the XXXX of the month. 

On XX/XX/2018 I noticed that US Bank still showed my account to be scheduled for an auto payment on my lease in the standard amount of {$510.00}. 

On XX/XX/2018 I called US Bank to request that the payment be stopped. 

US Bank Customer Service Department and Lease Maturity Department informed me that it was too late to stop the ACH and the only way for the payment to not go through would be to set up a Stop Payment with my bank ( XXXX  ). They said if I didn't stop the payment and it went through, I could call back after it clears to request a refund. 

I called XXXX to request a stop payment. I was informed that the fee was {$35.00}, I had no interest in paying {$35.00} to fix the error on behalf of US Bank. 

On XX/XX/XXXX, the payment cleared ACH from XXXX to US Bank. 

On XX/XX/XXXX, I called US Bank to request the refund. I was informed by XXXX XXXX ( Manager, XXXX XXXX ) that the policy was to hold my money until after the inspection was completed and a final bill was generated. 

This is fraud. 

US Bank was unauthorized to take the {$510.00}. 

This was the 49th payment of a 48 month lease. I did not give my authorization nor consent to take a lease payment for a vehicle that I had turned in. 

US Bank was aware that the vehicle was no longer in my possession and had been turned in. 

Not only was US Bank aware that the vehicle had been returned, further, they were aware that it had been turned in on time and under mileage -- both noted by the paperwork submitted by the dealership and confirmed to be received by US Bank on XX/XX/XXXX ). 

Mr. XXXX stated in no uncertain terms that they were unwilling to refund this lease payment until after a period of 4-6 weeks when they had generated a final bill. They are unauthorized to be in receipt of these funds. Nor are they authorized to use these funds to pay any final bill that may be associated with the termination of my lease with them.
Consumer complaint received 2018-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I have submitted two previous complaints including the letter showing that Rash and Curtis agreed to delete/remove this listing with all credit bureaus. The first and second complaint said it takes 90 days. I did a pull of my XXXX credit report and disputed this directly with them and that date was XX/XX/XXXX, past the 90 days stated by Rash and Curtis in the last complaint. 

XXXX have come back and validated that Rash and Curtis had not only reported it, but confirmed it to be correct, despite agreeing in a documented letter that it was to be deleted.