davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I am writing this letter to bring to your immediate attention a serious violation of the Fair Credit Reporting Act ( FCRA ) committed by JPMorgan Chase Bank ( JPMCB ), specifically regarding the furnishing of a credit report to consumer reporting agencies that contains transactions and experiences, which includes a reported balance, available credit, high credit, credit limit, balance, and highest balance. I, as a consumer, adamantly assert that such actions of furnishing negative information is causing substantial economic harm to myself and my household. As a result, I have suffered various harms, including the denial of new credit and increases in lines of credit. This invasion of my privacy has caused reputational, emotional, physical, and economic harm. 

I wrote a notarized letter to JPMCB on XXXX XXXX via certified mail [ # XXXX ], which was received on XX/XX/year> at XXXX XXXX  concerning this issue. I referred to 15 U.S. Code 1681b ( f ) and requested their general or specific certification pursuant to Rule 1002, as required by 15 U.S. Code 1681e ( a ) to furnish information on my consumer reports. Additionally, I requested that JPMCB provides me with the tracking number and certified mail receipt of the notice of negative information that was to be provided to me, in writing, as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) within the timeframe established by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ), prior to JPMCB furnishing any negative information on my consumer reports, also pursuant Rule 1002.

To date, I have not received any of these documents. Failure to provide this documentation is an indication that JPMCB has violated 15 U.S. Code 1681e ( a ) and 15 U.S. Code 1681b ( f ). This would also indicate that 15 U.S. Code 1681q is applicable, which is tantamount to 18 U.S.C. 1028A. Under this provision, JPMCB is liable for damages pursuant 15 U.S.C. 1681n ( a ) ( 1 ) ( B ).

References : Case Law : section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) 12 CFR Part 1022 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I defaulted on my car loan with XXXX. My payment for XXXX XXXX XXXX is {$630.00}. In XX/XX/XXXX I contacted XXXX and was given an arrangement to place my account back on track. I agreed to pay {$1800.00} to bring it current and resume my monthly payments of {$630.00} on XX/XX/XXXX. I made both XXXX and XXXX payments. In XX/XX/XXXX, I attempted to make my payment over the phone but the office was closed. Considering the delicate nature of the account and the prior issues, i decided not to process my payment using the automated system. i called the next day to process my payment with a live agent. The agent stated my original arrangement had defaulted because i was one day late on the payment. The agent stated I would have to pay {$1200.00} that day and my car was placed into repossession status. I asked for the delinquent balance and was told it was {$3500.00}. It was explained that balance was retroactive from the XX/XX/XXXX balance. Additionally, XXXX has placed my account in a charge off status although i am actively paying on it. This derogatory status has caused unfavorable decisions from otherwise promising credit opportunities.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I received a letter from Wells Fargo that my card would be closed soon due to inactivity. I called a rep from Wells Fargo customer service back in XXXX as I was having issues with the card not working and I needed a new card to keep the acct open/active. She mentioned that the card was about to close and if I wanted to keep the account opened. I informed them yes and would wait until the new car was received in the mail. Two weeks later, I received a credit alert that Wells Fargo closed the card and I never received the new card. This has caused my revolving usage to increase significantly and my credit score to drop. I never received any communication from Wells Fargo and when I called about this information they replied saying it was too late to reopen the account. I was informed that I would have to apply for a new credit card. I have asked for this to be escalated and have yet to receive a call back. I have had the credit card account for over 15 years and my credit score/history has been significantly impacted as a result.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (GA)

My grandfather passed away recently and I have been under a lot of stress. For the first time in years, I missed XXXX payment on a credit card which was the target card. It was for {$40.00}, and I never would have missed a {$40.00} payment had I not been going through what I was going through personally. I contacted XXXX and Told them about the situation, and promptly paid off the entire balance not just the past payment. They removed the late fee, which now brings my balance to negative {$40.00} or {$40.00} in credit. If you look at my past record of late payments on any of my accounts you will not see any late payments related to any of my credit card accounts. All three of my credit scores went down tremendously due to XXXX late payment. I contacted experian and XXXX and provided them with the new balance and the information given by XXXX. However, my XXXX XXXX has yet to improve. I have been locked out of the XXXX account for the XXXX or XXXX time, therefore I've had no communication at all from them. This is absolutely ridiculous that that my XXXX XXXX dropped XXXX points over XXXX late payment and they are so quick to drop your score, yet don't raise it again when you give them proof of what occurred. The credit bureaus are a scam. I also pay a fee every month for experience and have added numerous bills to their boost program, and not XXXX time has my score risen. It is absolutely ridiculous what they do to people, especially those dealing with a close relative that passed away who is already going through a very hard time in their life.
Consumer complaint received 2023-02-13
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. (NC)

On XX/XX/2023 I sent documentation from XXXX showing that XXXX XXXX was not on my XXXX credit report any longer. A copy was sent to Transunion showing this and asking them to remove it as well. XX/XX/2023 I get an updated copy from Transunion saying an update had been made on it. There is no way they had time to even get the copy I mailed to them on XXXX. And if they did they still didn't remove it. So this needs to be removed from my Transunion credit report since it does not show on XXXX now. And proof was provided to them. I received another letter from TransUnion today dated XXXX saying You recently submitted a dispute to TransUnion for an item on your credit report. Our records show that we previously completed an investigation of the below item and the data furnisher verified the information on your credit file. AGAIN THERE IS NO WAY THEY WOULD HAVE GOTTEN MY DISPUTE LETTER WITH THE LETTER FROM XXXX SHOWING IT WAS NOT ON IT SINCE THIS LETTER IS ALSO DATED XXXX. SO THEY HAVE NOT INVESTIGATED THIS OR IT WOULD BE REMOVED FROM MY REPORT SINCE I MAILED THE COPY FROM XXXX SHOWING THEM THE PROOF.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Date : XX/XX/year> I received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. XXXX a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX XXXX  XXXX Each day your company refuses to investigate the incorrect item is causing me XXXX. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

I began trying to allow Experian access to my XXXX XXXX XXXX XXXX checking account last week. The institution was found and linked. However, it only linked to the savings side of the account. The checking account is used to pay bills. Savings are for savings, not bill payment. It feels like bait & switch where a service is offered 'free of charge ' and then suddenly a glitch occurs that negates the entire action. It is especially heinous because this is with a credit reporting agency. I would think that a credit reporting agency would have more live communication with consumers due to the critical nature of the service. It is also just straight up lying when the service is offered but unable to complete. It is also indicative of a corporation that has completely severed all human contact with their consumers and opting for bots. Everything can not be solved by AI. There are many, many multiple threads of conversations online of consumers frustrated by the lack of live agents with Experian. Finally, it seems to set consumers for even more fraud as opportunists try to fill in the gap by offering access for a fee. How can a consumer determine whether these are legitimate or part of national or international fraud? Credit bureaus are supposed to serve the consumer, not their corporate overlords.
Consumer complaint received 2024-09-03
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER HOLDINGS USA, INC. (PA)

I received a letter from Santander bank stating that I opened a XXXX  credit card account with them on XX/XX/year> and a payment of {$33.00} is past due. Due date was XX/XX/year>. The last XXXX digits of the account are XXXX. 

I did not open a credit card with Santander, so I called the number they gave me. The number is XXXX. When I told that to the representative he said he could not look up that account without my full social security number. I was not willing to give them that information, so I hung up.
Consumer complaint received 2024-07-30
Product: Credit 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: SYNCHRONY FINANCIAL (TX)

The original complaint was against Synchrony Bank for creating a charge account and paying themselves out of my checking account. The cleared the charges from PayPal Credit and put some of them on another one of their client charge card, XXXX XXXX XXXX. I havent used that account in15 years. They closed the PayPal account for non payment, they have not refunded the money they paid themselves, there are new charges on another of their accounts. 
Over 7000 people have filed claims against this bank. When are you going to do something.
Consumer complaint received 2024-07-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Back in XXXX  an apartment building that I was renting from was sold by the owner to another property management company. I gave notice that I was going to be moving out and moved out with the belief everything was paid current and good to go. Some time passed after my move out and I received a notice that I owed them over {$20000.00}. I reached out after getting this notice and spoke to someone at XXXX the new management company. I explained everything, he saw their error and said he would correct it and contact me back. He never did. I then received a notice from Columbia Debt Recovery that I was in collections despite them having incorrect information and not fixing it. I reached out immediately and explained the situation to the agent on the phone. They said they would research it and get back to me. They never did. I continued to receive communications from them and I would continue to provide the correct information even disputing it on my credit report and they never took corrective action. Finally a few months ago I got them to drop off a portion of the wrong amount after an exhaustive amount of phone calls an repeatedly explaining in detail where they were wrong. They still have not corrected the total and are now threatening possible legal action. I have emailed over proof and spent countless hours working on this in addition to the financial damage having this incorrect collection on my report has caused me.
Consumer complaint received 2024-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am filing a complaint for requesting unnecessary documentation to validate a debt. 

Requesting : Original Creditor : [ Provide the name of the original creditor ] Debt Collector : Date Opened : [ Date ] Date Closed : [ Date, if applicable ] Date Account Sold : [ Date, if applicable ] Date Charged-Off : [ Date ] Date of First Delinquency : [ Date ] Date of Last Payment : [ Date ] Balance : [ Current Balance ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite raising the issue of these disputed accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Actions : Wrongfully received Hard Inquiry on Credit from Bank of America saying Credit card is opened on XX/XX/2024 but I don't have any BoFA credit card in reality. Also tried to dispute with XXXX but the dispute report still says that it " Remains '' open. Tried contacting and talking to BoFA bank but they can not find any account with my name/ssn and hence not trying to help. It is a wrong information on my account and it's pulling my credit down. 

Companies involved : - Bank of America ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XXXX Dates : - Credit card opened on XX/XX/2024 Amount : - Credit card has limit of {$2200.00}
Consumer complaint received 2024-07-29
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. (IN)

On XX/XX/year>, my XXXX XXXX has dropped XXXX points causing damage to my credit report from the removal of XXXX XXXX. This was not authorized by your company. I demand you raise my credit score back up to what it was.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (GA)

DATE : XXXX XXXX RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX