davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

After having a substantial relationship wit h Chase, I g ot a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business   accounts and personal accounts.
JP Morgan Private cli  ent wanted me to open an account with them and put a portfolio together for me, reviewed my financials and tax returns and everything and then were told   by Chase that they were not able to open account.
I am an ideal client and maintain substanti  al balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (CA)

Applications were made in my name, which has seriously harmed my credit and credit score. I contacted Equifax, and their representative assured me that these fraudulent inquiries would be removed. However, I still see them on my credit report. This situation is causing me significant distress, as these unauthorized inquiries not only damage my credit but also suggest potential identity theft.
Consumer complaint received 2017-05-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: 360 MORTGAGE GROUP LLC (MS)

360 Mortg age  Company has  fraudulently used my name and also has committed Identity Theft by claiming they were me. My new insurance company   XXXX   XXXX   which I 've had sine   XXXX   XXXX    2017. stat ed someone called and authorized changes on my insurance account. The changes were to change my personal information and begin sending all correspondence and billing documents to them. I also received a refund of my monthly payment and a letter of closing my payment plan account which I opened. The   XXXX   XXXX   representative  XXXX  out of the  XXXX  IL office and she confirmed the Mortage com pany 360 Mort gage made changes to the account. I was on my  XXXX   XXXX  online account and witness the changes that were made without my consent. The representative also stated that the  XXXX   XXXX  Agent  XXXX   XXXX  was the only individual who could authorize changes to my account. This is an invasion of privacy concerning the  Information Privacy Act and shows  an intent to practice fraudulent and deceptive business claims. The representative  XXXX  also stated that my phone number was verified by the  360 Mortgage   Company.  The phone number that was used has not been in service for years. I do believe  XXXX   XXXX  didi not know the details of  what 360 Mortg age was internally practicing.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VI)

VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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. (CA)

This is really alarming, I recently checked my credit report and I have found numerous credit inquiries which I believe to be fraudulent as I neither recognize them nor have applied to them. It's giving me undue stress and XXXX  as I might already be a possible victim of identity theft, these seemed to have been done online and I'm still wondering how these companies managed to access my credit report and you placing this on it.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description.
Consumer complaint received 2024-10-04
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2024-10-04
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-04
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-05-05
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: Experian Information Solutions Inc. (CT)

I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have afraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, non of these companies received any identification or authorization from ME to pull my credit for any reason : 1.  XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-05-04
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (CA)

Navient ga ve my parents the informaiton on my loan balance and payments made, including whether or not they were applied to principal. I called  Navient an d asked that they remove all phone numbers associated with my parents, before knowing they had disclosed this information, and stated that if I found out they had discussed my student loan information with anyone other than me, I believed they would be in violation of the Fair Debt Collection Practices Act. I have not called back since finding out they did, in fact, disclose information. I did not have any cosigners on my student loan, so they were not authorized to share any information with my parents.
Consumer complaint received 2024-10-04
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. (NC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Reviewed most recent credit report and I noticed a repossession that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the repossession disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681ia1 and 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2017-05-04
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: Leading Edge Solutions, LLC (FL)

I submitted a complaint on   XXXX   XXXX  , 2017 in regards to Leading Edge Solutions submitting inaccurate information on my credit report. CFPB received a response from the company advising them that the complaint does not belong to them. As you see, I 've attached a copy of my credit report which you can clearly shows Leading Edge Solutions is reporting on all  XXXX  credit reporting agencies. Being that Leading Edge Solutions has stated complaint does not belong to them, the company should comply with my request to delete the information from my credit files. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-10-04
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. (OK)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

I am writing to file a formal complaint regarding Midland Credit Management XXXX, which is acting as a collection company on behalf of XXXX XXXX Bank XXXX. This account is currently being reported on my credit report as a collection item, showing XXXX XXXX Bank N.A. as the original creditor. 

I would like to note that I have never received any form of communicationwritten notice, phone call, or emailfrom Midland Credit Management XXXX regarding this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). I did not receive any notice of the debt or any opportunity to dispute or validate the claim before it appeared on my credit report. 

I request that this matter be investigated promptly and that Midland Credit Management XXXX be required to provide proper documentation and notice regarding this debt. I also ask for the immediate removal of this collection account from my credit report until proper notification and validation of the debt have been provided. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 



I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX AND XXXX XXXX XXXX. 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.