davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following items be updated immediately for they are harming my credit. 
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
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

To whom it may concern, I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report and i noticed some late payments posted to my credit report : Bank of America, account # XXXX Your company is in clear violation of the law. Under 15 usc 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except As provided in paragraph ( 3 ), the term " Consumer Report " does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing Information solely as the transaction or experiences between the consumer and the person making the report.

** Delete the above late payments from my consumer report, this company is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above referenced account and send out a free copy of my report after changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent and Enablement of identity fraud 3. Fair debt collection practices act 15 USC 1692G violations 4. Fear credit reporting act 15 USC 1681 violations for willing compliance 616 civil liability for willful and noncompliance ( 15 USC 1681n )
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2024 i reviewed my consumer file and realized there were late payments reporting to my consumer report according to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumerA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.
Consumer complaint received 2024-02-11
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sentry Credit, Inc. (TX)

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as open, but also as having past due balance of {$2400.00}. This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting act I have a right to completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please immediately remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed union completion.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (VA)

No idea what they have added as no job is accepting me now may have been a creditting scamming loan company i need to know what chanegd on the last several months bc i applied to jobs which i had easily got accepted in the past and all of a sudden getting turned down from every job i apply at and they are saying it is something on my backround check. and i do not have any felonies or anythign like that so i need someone to contact me asap to know what in the world is going on.
Consumer complaint received 2024-02-11
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: DISCOVER BANK (KY)

I have disputed through transunion, XXXX, XXXX. It comes back accurate for this account through Discover Bank. Account # XXXX Amount {$800.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting Discover Bank to provide documentation and or contract with my signature on this debt and they have not responded.This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NV)

In XX/XX/XXXX I was contacted by a young lady asking me if I'd rent my home to her and her boyfriend and XXXX XXXX  old child. I had not lived in the home for several months and agreed to rent it to her on a month to month basis. In XXXX of XXXX  a son of a friend asked if he could rent my home. I agreed and asked my tenant to please vacate the property by XXXX XXXX. 

I have never rented before so I was unaware of the damage tenants with XXXX  children could to to property. After the tenants left my wife and I and our house cleaner spent 12 hours cleaning my 2 bedroom home. The tenants had lived there for about 11 months and NEVER cleaned. There was wax on the furniture and floors because they XXXX XXXX ( against house rules ). The mattress in the master was ruined with baby XXXX and XXXX. The dryer was broken. The refrigerator was broken. Two remotes for the TVs were lost. Very disgusting trashy people. 

After the tenants had been out for a few weeks, my Zelle account at XXXX XXXX and XXXX XXXX XXXX XXXX were locked. I contacted the branch manager at XXXX XXXX and he contacted Zelle to try to remedy the problem. 

Fast forward 6 months and my Zelle account is still locked. After several meetings with my bank I find the tenants are trying to get 2 months rent back. They claim I asked them to leave because I don't like " XXXX '' people. If I didn't like XXXX people, I would not have rented to them. Some of my best friends are XXXX!!! 

I would like you to contact Zelle and tell them to unlock my account. I have signed rental agreements; signed vacate agreements. These renters are trash, whether white or black, they are trash. I can provide names, numbers and email if you would like. 

Please contact Zelle and tell them they need to correspond with their customers and not lock us out of their services for no reason and not contact us for our side of the story. Thanks. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC (TX)

I contact ARC MANAGEMENT GROUP LLC on XX/XX/2024 asking for information about a collection that recently appear on my credit report, and the customer service lady from this company refuse to provide me the information about the bill. I asked her to send me the bill to my email so I can provide it to my insurance company so my insurance could pay the bill and she refuse to do it and instead she will send it through the us mail and, it will take two days to have the bill on the mail, I'm still waiting for the mail. I contacted this company again and spoke with the same lady now asking her for the original creditor information so I can contact them and get more information about the situation and the lady hung up on me 2 times. The reason I was asking her it was because i made my research about the original creditor and i couldn't find any information. I Called to so many medical places like hospital, clinics to see if they could have any information about this bill but no one couldn't help me. I also contact my insurance company and they said that in order for them to pay this medical bill I need to provide the information or an original bill.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

More than five years ago, I opened an account with Chase, but for some odd reason my account was closed without an explanation, Chase informed me that I was blacklisted, and I was never going to be able to open an account with them. After trying to open an account with other financial institutions, they put a negative remark on my consumer profile, which enables me to open an account with any other bank, and it has affected my personal life in a very negative way. After five years, I decided to retry and open an account with Chase, I applied online and was approved for the secure chase banking checking account. Everything was fine for the first three days of opening the account but then I received the letter stating that due to fraud. My account will be closing. I called the customer service number on the letter and they informed me that I will never be able to open an account with Chase and that it was an error on their system.
Consumer complaint received 2024-02-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (MO)

The company BridgeCrest has been reporting on my credit report, on a charged off account. This account balance has repeatedly been increased in the interest of time. The increase amount is almost {$6000.00} dollars on a charged/collections account. The balances are also reporting 3 different amounts on all 3 reports.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (KY)

XX/XX/ & XXXX was taken from my account ending in XXXX for a yearly change for my safety deposit box, which I had for years without any change. I never agreed, in anyway, to such a charge. When I complained, they said there was a notice in one of the papers sent to me that I would be charged {$45.00} a year. That was not done in a noticeable way, and I never remember seeing it anywhere. They never asked me to agree and this is just like saying, were taking your money, without asking for agreeing to it. Thats just a crime of theft that I can not justify. The {$45.00} a year is not the problem as much as loosen trust in a bank transactions to handle my money. Small crimes can lead to big crimes. I want to be able to deal with the bank that I can trust. I want them to return the {$45.00} not because of the value of the money but because of the value of trust. It seems basic to me that you dont have to allow them to do whatever they feel like doing with your money. I want more security. 
Respectfully yours, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (DC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

How XXXX  is this?? XXXX  is the only appropriate word to utilize in this complaint against W.Fargo and their XXXX Complaints Management office. 
I have ben experiencing tremendous identity theft since XXXX XXXX. I had everything in place to prevent what W.Fargo allowed, specifically my W.Fargo accounts were disabled and deactivated by myself. Still W.Fargo allowed identity thieves into my Retirement Savings and Checking account to steal {XXXX}. Identity thieves took over my accounts and W.Fargo would not help me get back into my accounts, and to this day, I still have been unable to access my W.Fargo accounts.

W.Fargo determined that 41 transactions were fraudulent which totaled {$XXXX They replaced {XXXX} without notifying myself ( the account holder ) - and the identity thieves stole this also- for a total of XXXX  These identity thieves have my Personal Info. through a XXXX XXXX XXXX XXXX XXXX. Wells Fargo is aware of this- yet W.Fargo continues to allow these thieves to pass their so-called authentication process!!! Any current W.Fargo accounts in my name were not opened by me- nor do I have access to these W.Fargo accounts.

I have made countless requests for W.Fargo to not put and replacement monies in these acounts, because they do not belong to me!! And W.Fargo refuses to mail me a Cashiers Check for my monies and close these bogus accounts. And W.Fargo recently replaced XXXX}. 
XXXX more into one of these bogus accounts, and still refuses to mail me a cashiers check for my money. 
And again, I repeat my first sentence : How XXXX is This??

W.Fargo has a habit of financially rewarding Identity thieves over and over and over. Meanwhile, the customer reaps the consequences of this XXXX  Behavior @ @ @
Consumer complaint received 2024-10-25
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2023-03-17
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. (WI)

After reviewing my credit report I inform you that I am NOT responsible for listed accounts as I have been a victim of Identity theft. 

I have already notified both my local police department and the federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Please delete the following accounts from my credit report 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 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 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  Best Regards, XXXX XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All natural Inalienable Rights Reserved
Consumer complaint received 2021-02-03
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: EQUIFAX, INC. (TX)

There are a lot of credit inquiries on my credit report that I do not recognize and did not consent to. I have tried disputing these inquiries with the credit bureau and they have not responded nor removed any of the inquiries. The dates I disputed these inquiries are XX/XX/2020, XX/XX/2020, & XX/XX/2020.
Consumer complaint received 2024-02-10
Product: Debt collection — Federal student loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Goal Structured Solutions, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. 

I demand you to remove this account from all XXXX of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report. 

XXXX XXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$5500.00} Highest balance - Terms 113 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$3600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX