davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I tried to use my Chase debit card at a gas station so I could go to work. My transaction was declined 3 times. I checked my account and there were funds available so there is no reason for my card to be declined. Stuck at the gas station with no cash on hand, I had to call support to find out why my card was declined. Chase told me they didnt know the details or reason as to why but my checking account has been closed and I have no idea access to the funds in my account. I HAVE NO ACCESS TO MY OWN MONEY BUT THEY COULDNT TELL ME WHY!! I was stuck at the gas station without my wallet and had to turn my car upside down to find enough change to get me a gallon of gas to go back home to get my wallet. I was not only mortified but the experience was traumatizing!! I thought an honorable institution such as Chase must abide by financial codes and rules of conduct but to tell me my account was closed but couldnt provide any reason whatsoever as to the result of the closure is completely absurd. This is America not a XXXX XXXX  XXXX country!
Consumer complaint received 2020-07-29
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. (AL)

Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your XXXXnvestigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXXXXXX XXXX XXXX   XXXX, XXXX XXXX XXXXXXXX, XXXX/XXXX XXXX   XXXX
Consumer complaint received 2020-07-29
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. (GA)

I sent a letter to experian, XXXX, and XXXX  about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days
Consumer complaint received 2021-06-02
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: Resurgent Capital Services L.P. (CA)

i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2021-05-07
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: Experian Information Solutions Inc. (TX)

Hello CFPB, Experian is taking extremely long to update the XXXX XXXX account. I called XXXX XXXX the third week in XXXX and I was told that they gave Experian my updated account information at the end of XXXX and it was up to Experian to update it. I called Experian and they told me that they would process it and its now XX/XX/XXXX and it is still not update from when I first asked for the update. 
Also can you please ask Experian to remove the inaccurate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. I have sent Experian proof of my address many times and have told them that of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is not my address and it does belong to me. But they refuse to remove it. I asked them sense they are reporting this address where is the lease with my name on it or audio from the leasing office verifying this address as belonging to me. 

Lastly Experian has 2 hard inquiries for XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX. They are adding an extra month to the removal date. The FCRA clearly states that after 24 months XXXX not 25 months ) that the hard inquiry must be removed from a consumers credit report. 

Why is Experian being allowed to violate my consumer rights. Can you please investigate their bad faith business practices. 
Please see all the screenshots and highlighted items as my proof as to what I am complaining about. Please investigate Experian and advise them of the law and make them obey it. Because I should have a right to sue them for violating my consumer rights.
Consumer complaint received 2022-06-21
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. (PA)

To Whom It May Concern, You are breaking the law! 
On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, Equifax, and XXXX. 
XXXX XXXX XXXX Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy. 
On XX/XX/2022 I received an email from Equifax stating that a new collection account was added to my Equifax report. This was the same account that was already deleted by XXXX and XXXX XXXX XXXX XXXX Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once! 
XXXX XXXX XXXX
Consumer complaint received 2020-07-29
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. (CO)

I filed a bankruptcy with my husband, because he had to file and he was given misinformation that I had to file with him. I ended up dismissing out of the bankruptcy. This was six years ago. Since then, the credit reporting agencies had listed my existing mortgage as closed. I worked with XXXX and XXXX and they fixed the problem. Experian is refusing to give me credit for the house that I have owned for 13 years and am currently sitting in as I type. I tried to do a dispute, where they said they would contact the mortgage holder, XXXX XXXX XXXX. This was on Sunday, XX/XX/XXXX ( when I noticed that I was still not getting credit ). They closed the investigation on the same day. So, I know they did not contact XXXX  XXXX XXXX, as they are not open on Sunday nights! I want the credit that I deserve!
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX, XXXX, and transunion about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days
Consumer complaint received 2020-07-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (NY)

We had a lease XXXX XXXX with BMW Financial Services, which we were making all our payments on time. Then the car was part of a XXXX  which XXXX XXXX considered a " XXXX  XXXX  '' and they were paying BMW Financial for the vehicle. This was around XXXX XXXX XX/XX/XXXX time frame. I never heard back from BMW Financial from that day on. So in XX/XX/XXXX, we returned my wife 's XXXX XXXX lease to the dealership, and on XX/XX/XXXX we received our final billing of the lease which I called in the same day to pay off, after paying off my wife 's lease with XXXX, the representative asked if I was interested in paying off my other lease, I told him I did not have a lease with XXXX, that my XXXX was owned by me. He said there was a balance due for the XXXX XXXX that was totaled in the accident. I total him that XXXX XXXX paid it off, and he replied that their was still a balance for overage of mileage and lease turn in fees. I asked why no one called me, or emailed me, or sent a letter, he told me that a letter was sent out in XXXX, and I told him I never got it. I asked if it was sent certified mail or by XXXX or XXXX, in which he stated was just regular mail. I said ok, well what is the balance and paid him that day in full. I decided to pull my credit report and noticed that BMW financial reported to my credit bureaus agencies that I missed over 12 months of payments, and my account was in collections. Now how can some company report that I missed payments without sending me a bill each month? Or any type of letter of the debt I owed? XXXX is saying they sent a letter, but have zero proof of this letter being sent, no tracking nor certification of delivery. In read some credit laws, I thought New York and Florida laws stated a creditor must send their clients a bill at least quarterly of the debt owed to them. I never even got one letter but they said they did just 1 letter, plus my account was sent to collections but I never got a call, email, or letter of a collection going on. 

I think BMW Financial Service has the responsibility to show their clients actual proof that they sent a bill, invoice, or letter of the debt to their customers, and not by show us a copy of the letter. There is zero proof it was mailed and zero proof that I received one. I never missed a payment in my life and now this is affecting my credit score. I tried going through credit bureaus and better business bureau and XXXX response is they sent a letter once and its a courtesy if they want to contact me about a past due balance. If that is true, then how can they report missed payments each month to the bureau.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (AZ)

the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX  MST and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.
Consumer complaint received 2021-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (MS)

XXXX has falsely stated that I owe for two devices from a previous lease agreement which had to be paid in full for me to obtain new devices with my next contract agreement through them. After the newest contract agreement was ended in XXXX and both devices from that agreement were returned and accounted for, XXXX then billed me for 2 devices, which then the bill was sent to 2 different collection agencies. When I contacted Sources Receivables Management in XXXX of XXXX, the collection agency with and reporting the debt on my credit report told me that I was being charged by XXXX from the first lease agreement for 2 devices which can only be inaccurate because the main line phone was Damaged and had to be paid in full for me to obtain the second agreement with a newer device. Therefore I disputed the information through writing with XXXX, XXXX, and XXXX  starting on XX/XX/XXXX. XXXX  and XXXX  have never responded through writing or email and XXXX  's agent over the phone claimed to have never received my first letter of dispute yet knew the information, date the letter was written and mailed, and reasoning for dispute but claimed to have received the letter on the XXXX of XXXX, and contacted me via email after receiving my failure to comply letter, also sent to all three Bureaus. XXXX  then, several days after our conversation over the phone, completed a computer generated investigation on XX/XX/XXXX after XXXX XXXX clearly after their business hours. I only ask that the inaccurate account be removed from my credit if not validated in the 30 days allowed to them to complete a fair and accurate investigation. Clearly those 30 days have been passed.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXXXXXX XXXX. and XXXXXXXX XXXX. on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (FL)

This company working fraudulently to extort funds from me. Sunrise Credit Service at XXXX XXXX XXXX XXXX, XXXX NY XXXX with phone number XXXX has put a false mark on mr credit report on XX/XX/2020 for an XXXX XXXX bill. When I called XXXX, they said the bill has always been current and is not even in my name, it is in another household members name. 

Also, when I told this to Sunrise Credit Service they didn't care it wasn't in my name or that the bill belonged to me or that it was never late. 

The person I spoke to and his supervisor were seeming to try to fish for more personal data about me. This concerns me that they may have my identity now. This company seems to not legitimate. This company seems to pretend they are a collection agency just to get personal information and they get you to call them by putting false information on your credit report. 

I will also report them to XXXX and the Attorney General.
Consumer complaint received 2020-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 4 XXXX  XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX/XXXX  is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts
Consumer complaint received 2020-10-09
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. (DE)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

Back in XXXX of 2021 I contacted Wells Fargo my bank to make a report of money being taken from myself that should not have been taken. I am the victim of a rent scam. I paid out just under {$3000.00}. I have been fighting the denials in this case for almost a year now. I specifically used XXXX through my banking app so that if anything was to ever happen I had the paper trail to back up anything I have done money wise. I am being declined on many occasions of fighting this. At this time I have provided police reports and all information they have needed to prove I was lied to, robbed, deceived, and taken advantage of. I am completely unhappy with how this bank as taken this situation. They do not back up there customers. They should not be allowed to partner with third parties if they are not going to protect their clients.
Consumer complaint received 2022-09-22
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. (CA)

In a previous complaint I disputed my credit card reporting from my bank XXXX XXXX XXXX XXXX. My complaint was that they are still collecting monthly payments and reportING monthly like the account is open. I screen shot the credit beaurus response stating that my bank says that account is open. I screen shot the actual facts from the credit beauru that the account is CLOSED. I'm asking the credit bearus to use their common sense and not accept that the account is open if it's reflected on my credit that it's closed. I want this to stop being reported monthly and asking for monthly payments when my evidence shows this account is closed.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.
Consumer complaint received 2020-07-29
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX CHAPTER XXXX BANKRUPTY DISMISSED XXXX US DEPED XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$3800.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} US DEP ED XXXX {$1700.00}
Consumer complaint received 2022-12-27
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. (OH)

Recently, I did an investigation on my credit report which caused servers XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing that I am also a victim of ID theft?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 12 U.S.C and 1681i ( 7 ) Methos of verification- Description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must be made 100 % accurate immediately by credit reporting agencies updating and/or deleting the accounts listed Thank you