davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Adverse Rection To Whom This May Concern, On XXXX XX/XX/year>, I applied for a credit card issued by Capital One. After submitting the application, it was denied for the following reasons : Based on your credit report from one or more of the agencies on the back of this letter, insufficient credit card account experience Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no primary bankcard accounts Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no accounts with recent activity Based on your credit report from one or more of the agencies on the back of this letter, there are too few or no open bankcard accounts However, this whole consumer transaction is predicated on my unlimited credit. This is false and misleading denial of my own credit. This is a violation of 15 U.S. Code 1611, 15 U.S. Code 1691, and 12 CFR 1002.2.

I request a listing from the underwriters all of the factors that were involved in this consumer transaction.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

I LOST MY WALLET AND INSIDE THE WALLET, I HAD MY BANK CARDS AND DRIVING LICENSE, SOMEONE USED MY LOST DEBIT CARD TO MAKE PURCHASE IN XXXX WHILE I WAS STILL IN THE USA, WHEN I SAW THE UNAUTHORIZED TRANSACTION ON XX/XX/year>, I IMMEDIATELY CALLED THE CHASE BANK TO FILE A FRAUD CLAIM BUT THE BANK IS UNWILLING TO RECOVER MY FUNDS FROM THE UNAUTHORIZED TRANSACTION. CHASE BANK HAD NEVER SENT ME ANY NOTIFICATION TO VERIFY THIS CHARGE FOR {$5000.00}. I CONTACTED MY LOCAL POLICE STATION AND THEY FILED A FRAUD REPORT FOR THIS INCIDENT. I HAVE PROVIDED THE POLICE REPORTS AND OTHER SUPPORTING DOCUMENTS TO CHASE BANK TO RECONSIDER THE CLAIM BUT THEY ARE UNWILLING TO REOPEN THE CLAIM. THEY ARE NOT HELPING ME TO RECOVER MY FUNDS FROM FROM THE UNAUTHORIZED CHARGE.
Consumer complaint received 2024-09-22
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. (NV)

Subject : Urgent Request for Removal of Inaccurate Business AccounXXXX XXXX XXXX ( Account No. XXXX ) Dear Sir/Madam, I am writing to dispute the inclusion of the following account on my credit report, which is inaccurately reported and causing significant harm to my creditworthiness. 

Account Details : Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$42000.00} past due as of XX/XX/XXXX Balance : {$42000.00} ( Balance updated XX/XX/XXXX ) Basis for Dispute : This account is completely erroneous. I have never opened a business, formed a business entity, nor taken any business loan. The reporting of this business account is not only incorrect but is also causing damage to my personal credit. The Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) protect consumers from incorrect reporting, and this situation clearly violates those protections. 

Legal Violations : FCRA Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. This account has no basis in fact and is a clear violation of this statute. Failing to maintain accurate information is a violation of my rights under the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the removal or correction of inaccurate information after a proper investigation. I am asserting my right to have this fraudulent account removed within the legal time frame.

TILA Violation : Under 15 U.S.C. 1640, any creditor must ensure that any reporting to credit bureaus is accurate and reflects actual transactions made by the consumer. As this is a business account I never applied for, this reporting breaches the TILA 's transparency requirements. 

Immediate Action Required : I demand that you : Remove the XXXX XXXX account ( Account No. XXXX ) from my credit report within seven ( 7 ) days of receiving this letter.

Provide written confirmation that this account has been permanently deleted and will not be re-reported without thorough and verifiable evidence of its legitimacy. 
If this account is not removed promptly, I will explore all available legal remedies, including seeking damages for violations of my rights under the FCRA and TILA. 

Please treat this as a formal dispute under the FCRA, and ensure that the account is removed without delay.
Consumer complaint received 2024-09-22
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)

The investigation took more than 30 days. 
I was taken advantage of due malpractice. While several laws were being broken under the FRCA by your company. As a result, of this defamation. My ability to obtain credit is destroyed. I can not obtain credit to get a car, house, or loans/credit cards.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I got a XXXX credit card in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I noticed some type of fraud/identity theft. I reported it. I closed this card. I had a security deposit that should have been returned to me, but my account was on autopay. It did not close and kept taking money. It increased my credit card limit, and continued to allow fraudulent charges, and to charge me fees. My security deposit was not returned and they said I owed {$200.00} when they finally closed the account in XX/XX/XXXX. They reported late payments and a {$200.00} charge off when I should have had a deposit returned to me. I provided them with an identity theft affidavit and police report. I have talked to customer service representatives and used the chat, but no one has been able to help me and its still reporting negatively on all XXXX credit reports.
Consumer complaint received 2024-09-22
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. (PA)

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/year>, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Submission Date : XX/XX/year> Subject : Request for Complete Verification and Deletion of Inaccurate or Unverifiable Account Under FCRA Sections 609 and 611 Details of the Dispute : I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, XXXX, and TransUnion verify the accuracy of the Dept. of Education/XXXX  account listed on my credit report. In accordance with my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that each credit bureau take the following actions : 1. Chain of Custody Verification : Provide a verified chain of custody for the disputed account, including the transfer and handling details of any information shared by the original creditor.

2. Original Documentation with Wet Signature : Produce the original agreement for this account that contains my wet signature. Digital reproductions or records that lack this level of verification do not satisfy the requirements for verification under FCRA. 
3. Account Information Discrepancies : Remove any items that can not be 100 % verified, as required by law, including but not limited to inconsistent balances and inaccurate status updates.

The account in question : - Dept. of Education/XXXX ( Student Loan ) - Account Number : XXXX - Balance : {$40000.00} - Discrepancy : Late payments inaccurately affecting my credit score beyond FCRA 's permissible reporting limits.

Action Requested : I request that the CFPB enforce the following actions from each credit bureau : - Provide detailed verification for the account, specifically addressing the chain of custody and wet signature documentation. 
- Delete this account if it can not be verified to 100 % accuracy or does not meet FCRA requirements. - Confirm in writing that this unverifiable or inaccurate item has been removed from my credit reports if verification fails. 
I am attaching screenshots and supporting documentation for this disputed item to support this complaint. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws and protecting my rights as a consumer. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX inaccurately on my experian report. It has not been updated since XX/XX/year>. The new balance is {$1400.00} as of XX/XX/year>. I ask that this be updated immediately. 

XXXX XXXX XXXX is listed inaccurately. The balance on this account was reduced and I only owe {$740.00} per our agreement. I can submit the letter that was forwarded to me. 

XXXX XXXX XXXX XXXX XXXX have reached out to ask this company what this is but have not received any type of validation or verification. I do not know what this is. It does not list the original creditor. It shows the status updated on XX/XX/year> and last paument made on XX/XX/year>, however, I have not made a payment because I do not know what this is. It says it was transferred and closed. I ask that this be removed because it has been more than XXXX  days and I have not received any type of correspondence stating what this is. 

XXXX XXXXXXXX Is listed inaccurately. I have reached out to the number provided on my report and requested written validation and verification but have not received anything from this company. I ask that it be removed as no verification or validation was sent within XXXX days and additional time to verify/validate has not been requested from this company. Please remove immediately. 

XXXX XXXX is listed inaccurately. It shows the original limit at {$850.00} but they are listing that I owe {$2500.00}. I have asked for verification and validation of this debt including all statements, agreements, monthly bills and have not received anything. They just keep sending emails requesting payment but they have not sent any information as to what the debt is. I ask that this be removed because they are not complying by sending the requested information. 

I keep receiving emails from collection agency true accord regarding an account XXXX. I sent a certified letter to them requesting validation and verification of the debt. They first claimed that they did not have an account for me back in XXXX then they responded in XX/XX/XXXX that they are still looking into it. It has been about XXXX months since I have heard anything. If any of the accounts listed above are in their possession, they should be removed at once because verification and validation have not been completed. I ask that they also stop all debt collection as they have not been able to verify any of the debts therefore anything pertaining to them should be removed and if it is not listed on my cvredit, they should not be able to list anything on my credit.
Consumer complaint received 2024-09-23
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. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding the inaccurate late payments reported on my credit file maintained by TransUnion. These late payments misrepresent my creditworthiness and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this XXXX XXXX XXXXXXXX account ending in XXXX. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments is a violation of my rights under the FCRA, specifically 15 USC 1666 ( b ), as it misrepresents my credit history and falsely impacts my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : This inaccurate reporting may also constitute a violation of the FDCPA, which protects consumers from misleading representations regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate and fair reporting of credit information.

Additionally, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and information furnishers to correct any inaccurate or incomplete information in consumer credit reports, ensuring maximum accuracy. Furthermore, sections 15 U.S.C. 1681n and 1681o outline civil liabilities for willful and negligent noncompliance with the Act, providing for actual and punitive damages.

Summary of Errors on Account 30-Day Late Payment : Listed as late for XX/XX/XXXX, but payments were made on time via autopay. 
XXXX Late Payment : Listed as late for XX/XX/XXXX, which is also inaccurate, as I maintained timely payments. 
Account Description : The account is inaccurately described as closed due to Sincerely, XXXX XXXX XXXX XXXX, though I have been an active customer and regularly made payments. 
Account Status : The account status is Closed but should accurately reflect my active status as an on-time payer during the disputed period. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. All entries should be updated to accurately reflect my 100 % on-time payment history. 
I expect to receive written confirmation of these corrections within 30 days of this complaint submission. Failure to resolve this issue may lead to further actions to protect my consumer rights. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-22
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. (CO)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-11-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

I sent a letter asking for verification of a debt on XX/XX/2024 and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that XXXX XXXX received the dispute letter on XX/XX/2024 at XXXX XXXX. It is nowXX/XX/2024 and I have not received a response from the agency. 

From my understanding, the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), says a company has 30 days to investigate disputes. If they can not verify the information within the 30 day time period, they must delete all of the disputed accounts from my report. With that being said, I am requesting deletion of this debt on all three of my credit reports.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On my credit report there are several incorrect addresses listed on my credit report. These incorrect address are listed below : 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX. 
These addresses are incorrect and I never lived at any of these addreses. 

My correct address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX and I have always lived at this address.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

Greetings, I see you fail to Remove the Inquiries from my Consumer Report.According to the FCRA, These Unverified and UNAUTHORIZED INQUIRIES Must be Removed. Don't freeze My Account, I will do it myself.
Consumer complaint received 2024-09-22
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. (TX)

FCRA required Accurate fairness and privacy of each CRA. 15 U.S.C. 1681e ( b ) ). CRA and XXXX XXXX XXXX XXXX Repeatedly reporting the Credit card Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a credit Charge Off is XXXX years from the date of the delinquency leading to the credit card Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Credit Card Charge Off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of the repossession from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.