davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
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. (MD)

THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
I LOOKED AT MY EQUIFAX 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 1681S THEY ARE SUPPOSE TO DO THIS ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL. IF, 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 ITEM HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER.

AND ACCORDING TO 15 USC 1681C-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 2024-10-28
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. (TX)

I am writing to request a correction of the following information that appears on my Experian, XXXX. I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. 

Experian and XXXX XXXX sent a response saying their verification came through XXXX ( attached copy ). When contacting XXXX their response was UNVERIFIABLE ( attached copy ). I have also attached letter from courts stating Experian or XXXX XXXX has never contacted them to verify information. 


The law is clear : If the CRA can not validate the information with the information furnisher, the CRA must remove said information from the credit file. According to the FCRA I have the right to an accurate consumer /credit report.
Consumer complaint received 2024-07-18
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 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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-07-18
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. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$130.00} The above account was never late, contrary to the information on my credit report. I kindly request Experian to correct this inaccurate information on my credit report. 


2. ) Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


3. ) Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} You are reporting the account incorrectly. I disagree with the balance of {$430.00}, as I remember the amount to be lower. I request Experian to delete the information regarding the past due amount, as this account is closed and charged-off. Since my credit score depends on the changes applied to my accounts, I ask Experian to mark this account as disputed, so it does not influence my credit score. 


4. ) Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance of {$720.00} provided by Experian does not correspond to the lower amount that I remember. I request Experian to revise the past due information, as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request Experian to mark this account as disputed because I do not want my credit score to be further affected. 


5. ) Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} The above account needs to be examined due to incorrect reporting. The balance of {$1000.00} reported by Experian seems to be higher than the balance that I remember. Experian presented this account as closed, so the past due amount is not supposed to be provided for this account. I believe it would be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such a course of action, but I need Experian to report the account as disputed while I'll be trying to find a solution.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

Chase Bank decided to Close both my Checking and Credit Bank accounts for nor valid reason. I called the bank to see how I can solve the problem, the department response was that they do after conducted a review of accounts. I for sure don't represent any regulatory, legal, or reputational problems to the bank for them to close my accounts. I have a great credit history, and all my life matter are stellar. At this point I don't see any justification to the bank decisions to close my accounts as unfair, predatory, and braking the rule of good banking practices. The XXXX failed to give me valid reason. The bank is living me running to figure out how to pay my credit card balance. I researched the problem online and it seems to me that Chase bank had a 35 % spike in closing consumer accounts. So it's high time that a consumer protecting agency steps in and stop this unfair practice.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 


Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX  XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX scammed by fake landlord XXXX XXXX and lawyer XXXX XXXX Convinced me of an available rental and third party local involvement that I later concluded to be untrue. {$730.00} paid between two accountants {$150.00} as a pet deposit, {$80.00} applicant fee, {$500.00} for half of initial deposit and expecting a total of {$2200.00} in first month rent. XXXX XXXX provided fake phone numbers as well as names of local areas. Phone numbers include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I consolidated two loans to recover from default during unemployment and was offered an income based repayment plan in XXXX. I consolidated XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX  loans and my payment was XXXX XXXX. The next year I went tor recertify. I was making approximately $ XXXX. and they tried to make me pay $ XXXX. I asked, begged and pleaded for a lower payment and it was not granted. I even asked what would happen if I paid a lower amount thsn what was required. They said my only option was to pay that amount, so I had no choice but to default a second time. 

It took me until XXXX to make enough to afford that. I called and spoke to a rep named XXXX XXXX in XXXX XXXX. XXXX. She told me that she saw my call in the records where I asked for a reassessment of my monthly payment amount and that I qualified for a repayment amount less than $ XXXX. based on my income at the time. She helped me file a complaint with PHEAA, but no one has taken responsibility for the issue. I would have been able to afford that amount and would not have defaulted. This has caused me an addtional $ XXXX in collections and additional financial hardship. I would be wage garnished if not for the COVID  moratorium, and no one cares that my financial life has been ruined as a result of me not being given the opportunity for a more reasonable payment that I qualified for. Now I am ineligible for XXXX XXXX. I have to consolidate again. My loan is even more expensive, and I can not qualify for rental or home ownership because of this. When I call to try and address my loans, people are rude and condescending. When I tried to get a better understanding on a recent call, I was told, " It doesn't matter if you don't like it. That's the way it is. '' I have lost all trust in this company and feel like I am being forced to negotiate with XXXX XXXX. 

When I submitted the complaint I was told it would be added to my PHEAA account notes but nothing would be done to rectify the issue.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending my CFPB complaint to notify you that the three credit bureaus were unable to delete the items I am disputed before. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ; XXXX A XXXX  ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-12
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. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to XXXX on XX/XX/XXXX. Despite my efforts, I have not received any response from XXXX regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$420.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance of {$420.00} provided by XXXX does not correspond to the lower amount that I remember. I request that XXXX revises the past due information, as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request XXXX to mark this account as disputed because I do not want my credit score to be further affected. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} The above account does not belong to me, and I request XXXX to remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} The above account was never late, contrary to the information on my credit report. I kindly request XXXX to correct/update this inaccurate information on my credit report.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (CA)

On XXXX XXXX a multiple unauthorized cash withdrawal at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ca XXXX in different amount {$320.00}, {$400.00}, {$380.00}, {$200.00}, {$400.00} all in the same, same location. All this transaction is not mine the debit card was in my possession. As found out about this transaction on XX/XX/2023 I called and reported this transaction to wisely debit account to notify them that there is unauthorized withdrawals on my account. After 3 days they emailed me that there is no error or fraudulent on my account how could that be possibly no fraud occurred when I am not the one whos doing the withdrawals. Ive reported this incident to the police and give them a case number XXXX to prove to them that it was not me who did those withdrawals. I requested to show me their proof of investigation but until now I havent heard them. I am reaching to seek help Thank you
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

I have paid the debt in full and was told it would be removed from my credit report. I have called the credit bureau and they said the collection company is LVNV Funding LLC. I paid the account off to Resurgent Capital Services on XX/XX/23 in the amount of {$1900.00}. When I called today XX/XX/23 to find out why LVNV Funding is still on my credit report I got a representative by the name of XXXX and they said they would even talk to me until I was verified. They wanted my SSN, address, and then a credit card. I gave them all that and then they told me they needed another card. I asked why and they said that they had to verify me. I said I have already given you all my information and one credit card. They then hung up on me. I called the number back and got the same XXXX and she said I had to pay to speak to her. I then said I wanted to speak to a supervisor. She said she couldnt unless I paid them money. She said she would only talk to me if I gave her more credit card information. When I call the number now it just keeps saying busy. The number I called I was given by XXXX bank of XXXX and they said I had to speak to them directly since my account has already been written off and sold to them. I am terrified now that it was a scam but why would XXXX give me a scam number?
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.