davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I am writing to formally dispute the accuracy of the reporting of my account with JPMorgan Chase Bank, as it appears on my credit report as of XXXX XXXX XXXX. The account in question is being reported as both charged off, written off, and past due, which is inconsistent and misleading. It is not possible for an account to hold three different statuses simultaneously, and this discrepancy raises significant concerns about the accuracy of your reporting. 

Furthermore, the recent balance listed as {$2600.00} is particularly troubling. Charged off accounts should not reflect an outstanding balance, as the debt has been canceled and classified as a credit for the consumer. As it is a credit for the consumer ( me ), this further supports the assertion that it should not be reported as a past due account. 
The erroneous reporting of this account has had a detrimental impact on my credit score and overall credit health. Under the FCRA, financial institutions are obligated to report accurate information, and failure to do so can harm consumers significantly. In my case, this inaccurate reporting has already caused me substantial distress and financial setbacks. 

I request that you correct the inaccuracies on my credit report by not reporting it to the consumer reporting agencies as soon as possible. Please confirm in writing that these corrections have been made.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

Kindly check the following accounts : 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 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I opened an account on XX/XX/XXXX and deposited a check on XX/XX/XXXX, on XX/XX/XXXX I was informed that the check was being returned, however the check cleared and is in my account, my account is frozen and I am unable to withdrawal funds. The bank is closing my account for suspected irregular activity after just one deposit. I have tried numerous times to obtain the balance in my account however the branch is saying they have no control over it, and the customer service department says it is up to the branch. I have been told twice now that the branch would have the check mailed to me within 5 business days however neither time that was true per further conversations with Customer Service. I require this money for an upcoming move.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-18
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: PENTAGON FEDERAL CREDIT UNION (IN)

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. During the purchase and financing process, I was told that the financing approval was dependent on the purchase of the vehicle warranty to protect the collateral and spare me any costs of repairs. However, once I agreed to purchase the warranty, I never received any information on obtaining service or scheduling repairs. I contacted the dealership and was told I would receive the warranty agreement and loan statement within 30-45 days. 30 days later, I never received any information regarding the warranty or a loan statement to remit payment. I contacted the dealership to verify who financed the vehicle, and I spoke with the sales manager and was told that my financing was provided by PenFed Credit Union and to contact them regarding payment and warranty information. I searched PenFed Credit Union online and found a customer service number, I spoke with a representative and I was told my first loan payment was late. My payments have been 30 days late ever since that conversation. I called and requested assistance or a payment arrangement, and my requests have fallen on deaf ears. I have been assessed {$1400.00} in late fees, a {$200.00} repo fee ( This vehicle has never been repossessed ), and {$120.00} in ACH return fees totaling {$1800.00}. PenFed Credit Union has also reported this loan late multiple times to credit reporting agencies, causing substantial damage to my credit score. As of today, I have paid this loan current. I also have another loan with Pen Fed Credit Union that has never been paid. I am requesting relief and my credit history to be restored.
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (CA)

When I first registered for the Target red card Store credit card, I had a credit limit of {$2000.00}. After having the card for several years and paying off my balance on time every month, They randomly decreased my credit limit to {$200.00} And it Immediately tanked my credit score. 

Now every purchase I make using this credit card lowers my credit score by XXXX points or more because Even small Purchases result in high credit utilization. 

After this change came into effect, I Still paid my bill in full and on time every every month for several years, with the exception of one late payment during the XXXX pandemic. Other than that, I have always paid my bill in full and on time. I have updated my income Information with the company And have even called directly To ask that they raise my credit limit, preferably back up to the {$2000.00} I had to begin with. Or at least higher than {$200.00} so that it doesnt drop my credit score every time I use the card. 

They say that there is no way to ask for a higher credit limit, they say just keep using your card and if you deserve a Higher limit, youll get a higher limit. This is unfair and untrue. I have been using this card for years, very responsibly and have not had another late payment in the years since the pandemic Not to mention that they dropped my credit limit Years before I ever had that single late payment.

It is really frustrating to have this one card bringing down my credit score. Closing, it would tank my score further, and if I Stop using the card altogether, my limit would drop even further And/or the card would Be closed by target. So They have put me in a trap where It hurts my credit score to use the card, but it would also hurt my credit score to not use the card. Its rigged to keep my credit low and its not fair.
Consumer complaint received 2024-08-27
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. (FL)

I was really disheartened to discover unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiries remained. This situation is deeply troubling, and I urgently request that the documents I've provided be reviewed thoroughly so I can stop worrying about this.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I am submitting this complaint regarding Chase Banks decision to close both my personal and business accounts without providing any explanation or formal notice. I have been a Chase customer for over six years and have always maintained my accounts in good standing with no missed payments or outstanding balances. My XXXX report shows no negative information, and yet, I was informed by a branch representative that my name has been flagged, and I am no longer eligible to open or maintain any accounts with Chase. 

Despite reaching out to Chases customer service, they have declined to disclose any information regarding the closure of my accounts. I would appreciate the Consumer Financial Protection Bureaus assistance in obtaining an explanation and exploring any possible steps to resolve this matter
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-03
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-03
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. (CA)

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 
The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX XXXX and Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Consumer complaint received 2024-09-26
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: CLGF Holdco 1, LLC (DE)

FEBDESTINY used my social security number for an unknown request, dated XX/XX/year>. 

I have sent certified letters to the bureau in regards to the inquiry and I was unable to satisfy theyre requirements.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NC)

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request your assistance in resolving an issue related to an inaccurate collection account that is currently being reported on my credit report by SECURITY CREDIT SERVICES The details of the collection account in question are as follows : Creditor/Collection Agency : [ Name of Collection Agency ] Account Number : [ Account Number ] Amount in Dispute : [ Amount ] Date of Alleged Debt : [ Date ] I believe that the reporting of this collection account is inaccurate and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am concerned that : Inaccurate Information : The information being reported does not accurately reflect my history with the original creditor, and I have not been provided with any valid proof that this debt is indeed mine. 

Verification and Validation : Under Section 809 ( b ) of the FDCPA, I have the right to request verification of this debt, yet I have not received any substantiated evidence from the collection agency to confirm the legitimacy of this claim. Without appropriate verification, the continued reporting of this collection account is misleading and damaging to my credit profile.

Statute of Limitations : Furthermore, if this debt is being reported beyond my state 's permissible statute of limitations ( North Carolina ] ), I request that this be investigated and resolved accordingly. Reporting a time-barred debt is misleading and potentially violates the FCRAs accuracy requirements. 

As a consumer, I rely on my credit report to accurately represent my financial responsibility. The inaccurate reporting of this collection account has caused undue distress and has negatively impacted my credit score. In light of this, I kindly request that you investigate this matter thoroughly and take appropriate action to ensure this inaccurate information is corrected or removed from my credit report. I have tried to resolve this with the credit bureaus and the collection company states it is valid although they have not provided proof they are not the original creditor. The credit bureaus are not removing the disputed items I trust that the CFPB will help in ensuring my rights are upheld and that this issue is addressed promptly and fairly. Please feel free to contact me if you require any additional information or clarification. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2024, Chase Bank restricted access to my accounts without providing a valid reason. Upon contacting customer service, I was instructed to visit a Chase branch with two forms of ID to resolve the issue. On Monday, XX/XX/2024, I visited the branch with my identification and my debit card. The banker assisted by calling customer service, and I clarified that I had no fraudulent activity or other issues with my account. Despite this, I was informed by the customer service representative that the debit card department refused to lift the restriction on my account. 

Instead of resolving the issue, I was forced to open a new account to transfer my funds, creating significant distress and inconvenience. Changing account numbers and debit cards has impacted my financial management and caused delays in access to my funds. 

However, on XX/XX/2024, I received another email from Chase informing me that my newly opened account had also been restricted, and I was asked to contact customer service once again. When I called, I was told that Chase had decided to close my account entirely, yet they refused to provide any valid reason for this decision. 

I have been a loyal customer of Chase, have maintained my accounts in good standing, and have never had an overdraft or violated any terms of my account relationship with Chase. Despite this, my accounts were restricted without cause, and now my account is closed, and I no longer have access to my funds. Chase continues to hold my money while my account remains restricted, causing severe financial strain and emotional distress. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.