davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Notice to agent ( s ) is notice to principal ( s ). Notice to principal ( s ) is notice to agent ( s ). 

I am writing to dispute inaccurate information on my consumer report related to the following accounts : XXXX. XXXX Account XXXX : XXXX XXXX : Account charged off ; {$2100.00} written off. 
Dispute Reason : This account was charged off and written off as income, per IRS regulations, and can not legally be reported on a credit report. I demand its immediate removal under 15 USC 1681e ( b ). 

XXXX. XXXX XXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$450.00} written off. 
Dispute Reason : Charged-off accounts considered as income should not appear on a credit report. Remove this account per 15 USC 1681e ( b ). 

XXXX. XXXX XXXX # XXXX Account Number : XXXX XXXX : Account charged off ; {$1300.00} written off. 
Dispute Reason : As with the above, this charged-off debt has been written off and reported as income, which must not appear on a credit report. Please delete this entry in accordance with 15 USC 1681e ( b ). 

XXXX. XXXX XXXX. 

Account Number : XXXX XXXX : Account charged off ; {$240.00} written off. 
Dispute Reason : This account is incorrectly reported as charged off. As income, this can not be legally included in a credit report. I request its deletion under 15 USC 1681e ( b ).

The Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) requires that your company ensures the maximum accuracy of any information included in a consumer report. Reporting charged-off accounts that have been written off as income violates these legal requirements. Additionally, 15 USC 1681a clearly outlines the exclusions for reporting information like charge-offs, which are treated as income. 

Resolution Requested I demand the immediate deletion of all aforementioned accounts from my consumer report. Additionally, please send me a free copy of my updated consumer report reflecting these corrections. 

Failure to comply with my demands will result in legal action against your company, and I will seek damages of {$1000.00} per violation for defamation of character, negligent enablement of identity fraud, and willful noncompliance with the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I had a chime account in XXXX  and it was closed because I dispute transactions that were not made by me and never received a reason why it closed or a refund check with the amount of money I had in my account I know they had been a lawsuit and I was not notified at the right time to claim the settlement benefits but I want to know why they kept my money and why they closed it
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

XXXX XX/XX/XXXX I deposited my Texas workforce commission unemployment benefits check in an ATM with Chase. I inserted the check into the ATM and asked me how much the check was for. I put it in the keypad. It showed me a photograph of the check. I accepted the photograph on the next screen. It told me that my check would be held for nine days in which I tried to cancel the transaction And it gave me no option. I have XXXX dollars and my benefits check was about five days late in the mail! 
Since the ATM were not give me the option to not move forward, cancel the transaction. I was forced with accepting the deposit when I couldve went across the street to a grocery store and cash the check for {$.00}.! I contacted the bank the next day because of what the ATM told me about a nine day hold and two representatives told me that there was no apparent hold on the deposit.! I questioned in the past I always received partial credit on a deposit even if it was XXXX or XXXX! The entire check was only {$440.00}! The bank representative told me that because of a recent prank played by people against their bank at an ATM, depositing fraudulent checks recently across the brand they are putting holds on check deposits, even though I have a track record of depositing the same check multiple times of the last two months? According to what Ive read on the CFPBs website since this is an ATM deposit, but it is an ATM deposit at a branch made with the issuing check being a government check then the funds should be made available within two business days. 
Which is still excessive, considering the bank always gave me partial or full credit immediately on the same deposit at an ATM! 
My deposit in my account now officially states that its not available till XX/XX/XXXX by that time I will have bypassed my shut off date on my electricity created a very expensive fee to restore my electricity, and Im unsure as to how its my fault that this bank is having a gameplay on them by other consumers, and I have to pay the price! 



Problem number two I had previously had Chase accounts over the last 10 years and never really had problems with them but when I open this account about two months ago, within days of opening, it had been accessed from another region and an unknown individual put their phone number on my account to attempt to gain access to Text for future login access. Im assuming the bank has frozen my account made me change my username three occasions I had to get a new debit card within a few weeks of opening the account so this is my second debit card and then before that second debit card even showed in the mail they shut my debit card down in which I was using digitally and Im on my third card in about two months. I have had to call into the Chase customer service to regain access to my account without being made to understand why approximately 10 times in two months!
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-26
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. (CA)

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim.

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-09-26
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-26
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)

Navient student loans show as 90 days late from XXXX, XXXX, and XX/XX/year>. I have always been paying on time since beginning of the loan period, and I wish this to be removed from my credit reporting immediately. Thank you.
Consumer complaint received 2024-09-26
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. (NJ)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TN)

I never received 1099 for charge off accounts with Wells Fargo or XXXX  in 2018. 
From my understanding this is fraud. 
I would like for these to come of credit
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

Lexis Nexis is reporting false information to my credit file at XXXX, XXXX and XXXX credit agencies. Lexis Nexis Is not a credit reporting agency they are a are a division of XXXX, along with XXXX LexisNexis Risk Solutions, and XXXX XXXX. XXXX is a global provider of information-based analytics and decision tools for professional and business customers, enabling them to make better decisions, get better results and be more productive. Im not sure why XXXX would utilize this company to grade my credit worthiness, my payment history, the number of account I have in good standing and how long my open credit account have been open but either way Lexis Nexis is reporting false information to my credit file by way of the products that they are selling to XXXX, XXXX and XXXX credit agencies. This action is a violation of the fcra and XXXX The information that Lexis Nexis is selling to XXXX, XXXX and XXXX credit agencies has not been verified, a collection agency must verify the amount and validity of a debt before they can rely upon the information under the federal Fair Debt Collection Practices Act ( FDCPA ).

Lexis Nexis False Court cases and other criminal history information tto my credit file falsely and to creditors I seek to do business with.

All of my good credit efforts and work that I have put into my credit file is being over shadow by the action of Lexis Nexis providing fraudulent information to all the credit agencies.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

My TD Bank Business Credit Card XXXX was last used by me at a restaurant in NJ on XX/XX/2023. I live in New York and my card was used in Florida. I'm in fear that my card was cloned and the card was not used by me.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (VA)

The phone got purchased a year ago, the company didnt inform me how much monthly payments would be. They kept sending me bills even when the phone wasnt In use. It was three bills one was 100 something the other was 200 something and the last one was XXXX. I was a couple months late paying it because of the ridiculous amount plus being blind sided and it ended up on my credit report.The account is also closed.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

I have R/C Resurgent Receivables trying to collect on an alleged debt for {$840.00} On XX/XX/2024, I sent a cease-and-desist letter along with a notarized letter requesting validation of the alleged debt along with a copy of the original wet pen agreement stating that I am indeed responsible for the debt. 
I requested that they provide me with the documents within XXXX days and if the documents were not forwarded within that time frame that the debt would be null and void. 
It has been more than 60 days, and it is negatively reporting on my credit report. 
This is my second attempt to have this item removed despite also being a victim of identity theft across all three bureaus. I'm absolutely begging to have this item removed as I have not given any written consent for anyone to report anything on my credit report. I have postal receipts to prove the dates in question along with photocopies. 

Thank you kindly,
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NC)

While attempting to get a home loan, I was notified that there are XXXX student loans totaling roughly {$100000.00} each. However, this is a dupliacte. I only have XXXX federal student loan totaling roughly {$100000.00} serviced through XXXX. I need this updated as soon as possible. The former loan servicer was Mohela. Thank you!
Consumer complaint received 2024-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa, XXXX Came to deposit XXXX, XXXX XXXX per account on XX/XX/year> at about XXXX pm Teller failed to deposit XXXX to XXXX of the an accounts as I requested. I noticed this the next day tru my account, notified the bank the next day Manager branch promised to check cameras and get back to me on Tuesday XX/XX/year> no one called to resolve the issue I visited the bank twice no response from them.
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX