davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-07-19
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. (GA)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

I am on XXXX and get my checks on the XXXX Wednesday of the month. I asked the mortage lender to change my due date from the XXXX to the XXXX and they said they did not have the option and I am paying late charges every month
Consumer complaint received 2024-10-23
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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
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. (MO)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

A Certified check, {$83000.00} was deposited in an account with a XXXX day hold ( XX/XX/XXXX ) with JP Morgan Chase XXXX I was told Chase closed account bc it was believed to be a fraudulent account. My bank, XXXXXXXX XXXX, did not put a recall on the check. Chase closed it. Funds were Debited ( out of account, ( XX/XX/XXXX ) not to be seen since. The payee of check, account holder, has repeatedly asked to return funds to payor at XXXXXXXX XXXX I never received the funds and Chase has told him that XXXX needs to request the return of funds to its bank but XXXX never asked for the account to be closed. XXXX denies sending the initial recall. Chase will not speak to me bc I am not a customer of theirs. 

I am aware of the congressional investigation of Chase for not returning funds of those that have been scammed, which this could very well be the case of mine. I will tell you the payee was subsequently paid with another check and followed through with his obligations. I also placed a stop payment through XXXX with no luck. They tell me the check cleared the same day it was deposited. How could that be if was on a XXXX day hold. I contend the money is sitting in Chase Bank and they intend to keep it OR someone has figured out a way to get the funds fraudulently. If I was a victim of a definite scam I now feel as though I am victim a second time by Chase Bank.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (VA)

This is an update to my previous complaint against LVNV Funding LLC ( Account Number : XXXX, CFPB Case Number : XXXX ) regarding inaccurate reporting of a debt on my credit report. 

I have recently learned that a judgment was entered against me on XX/XX/2022, in case XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX which LVNV Funding LLC XXXX XXXX to support their claims. However, I was never properly served with any summons or legal documents regarding this case, which means I was unaware of the court proceedings and did not have an opportunity to defend myself. This is a clear violation of my rights to due process. 

I am filing a motion to vacate the judgment on the basis of improper service. 

As I challenge the validity of the judgment, I request that all collection activities related to this debt be suspended and that the account be immediately removed from my credit reports. 

The actions of LVNV Funding LLC, including reporting this judgment and debt without ensuring that I was properly served, have caused significant harm to my credit score and financial standing. I ask that the CFPB continue to investigate this matter and assist in ensuring that LVNV Funding LLC complies with all applicable laws, especially given the legal challenge to the judgment. 


Thank you for your continued assistance
Consumer complaint received 2024-10-23
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. (NY)

THIS NEGATIVE ITEM THAT THIS COMPANY REPORT TO THE CREDIT BUREAU WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY AUTHORIZED TO FURNISH ANY REPORTS TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDERD IDENTITY THEFT
Consumer complaint received 2024-10-22
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. (IL)

I was completely shocked when I checked my credit report this morning and saw accounts I dont recognize. I look at my credit report regularly, and this is the first time Ive seen these discrepancies. I tried refreshing the page, thinking it might just be a browser error, but nothing changed. Its really worrying, and Im asking for a thorough review of the documents Ive provided so I never have to deal with this stress again.
Consumer complaint received 2016-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

ECSI XXXX., based in XXXX, PA, services my XXXX loan There have been at least XXXX instances where they conveniently delay the processing of my timely-made monthly payment, so that an additional {$10.00} late fee is applied.
Consumer complaint received 2024-10-23
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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
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)

XXXX XXXX XXXX used my information and applied for a personal loan ( {$730.00} with interest, loan- {$650.00} ) to XXXX XXXX XXXX my consent. XXXX XXXX approved the loan without my consent or any additional verification. XXXX XXXX reported my account to Experian and my XXXX score has significantly affected due to this wrong doing. Further, XXXX XXXX had sold my account to collection agency, XXXX for the recovery. I am requesting here to take strict actions agains XXXX XXXX XXXX to use my information and applying for the loan without my consent and against XXXX XXXX who approved the loan to XXXX XXXX, without any additional verification. Because of this wrong doing, My FICO score has significantly affected and hence, affecting it in my personal and professional life in several ways. I have also filed Identity Theft report. I also filed a dispute with Experian XXXX XXXX XXXX wrong doing. To your knowledge, I have never used any kind of services or products either from XXXX XXXX or XXXX XXXX XXXX with the given loan. Further, I have never signed any documents to approve this loan amount to XXXX XXXX XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/year> I requested the company to delete the incorrect and inaccurate items on my credit report and the company denied my request The items below need to be deleted because they are inaccurate on my credit report according to the fair credit reporting act XXXX. XXXX ( Account Number : XXXX ) ** The balance is inaccurately reported as {$0.00}, even though the account remains charged off. Additionally, the high balance listed differs from other reports. 
XXXX. XXXX  XXXX ( Account Number : XXXX ) ** There are discrepancies in the balance owed and payment history when compared to other credit bureaus. The account was supposedly resolved, yet it is marked as charged off. 
XXXX. XXXX ( Account Number : XXXX ) ** There is a discrepancy between the last verified date and the reported balance owed, which conflicts with the closed status. 
XXXX. XXXX ( Account Number : XXXX ) ** The account shows a {$0.00} balance, despite being charged off, with no reflection of the debt being transferred. 
XXXX. XXXX XXXX ( Account Number : XXXX ) ** The account is noted as disputed but resolved, yet this status is not updated. 
XXXX. XXXX ( Account Number : XXXX ) ** The account reflects ongoing repossessions without clear resolution, despite being listed as closed.
Consumer complaint received 2024-10-22
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. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MA)

I am formally lodging a complaint regarding multiple unauthorized and invalid hard inquiries on my credit report. I have never given these creditors permission to perform a hard pull on my credit file, and you have allowed these inquiries to be conducted without my explicit consent. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america - at XXXX XXXX and XXXX in XXXX XXXX - set me up with a mobile bank account in XX/XX/year>. 
some random clerk with the customer service department closed my online account in less than a week for no legitimate reason. they mailed a check to an address i am no longer living at so i did NOT receive the check. they did not ask for an up-to-date address before mailing the check. i have visited the bank branch several times to ask for a new check to be re-issued and bank of america says i have to wait 60 days before a new check will be sent out why is it 60 days, when obviously i haven't received the check and cashed it?!? 
this situation was handled poorly and carelessly. 
i have no documentation since this was only a " mobile '' account i only wish to be re-issued a check in a week, not to be forced to wait for another XXXX weeks when i have no other income bank of america had no problem taking my money. now they don't want to give it back
Consumer complaint received 2016-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

There are negative items that I disputed with XXXX and XXXX and now I need Equifax to fix the one on theirs. Also my DOB is in wrong it 's XX/XX/XXXX not XX/XX/XXXX and also my middle initial is XXXX not XXXX.
Consumer complaint received 2024-10-23
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. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2024-10-23
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. (NC)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused.
Consumer complaint received 2016-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (MD)

SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
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. (FL)

I am writing to formally dispute the partial digits of the account reported on your credit report identified as : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX The partial digits of this account number are incorrect, and your previous investigation did not resolve this inaccuracy ( Report # XXXX from XX/XX/year> ) and CFPB Complaint No. XXXX