davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (PA)

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.

The letters are stated with items and issues.

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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-24
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. (AL)

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.. I told XXXX, XXXX and Equifax to investigate these accounts : 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 2024-09-05
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 am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Consumer complaint received 2024-09-05
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-16
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (GA)

On XX/XX/year>, I became aware that Velocity Investments LLC has filed a lawsuit against me. Prior to this date, I was never informed that I was being sued, nor did I receive any communication regarding their attempts to collect a debt from me. I only learned of Velocity Investment LLC when I attempted to dispute the original creditor, XXXX XXXX XXXX. 

When I contacted Velocity Investments LLC, the representative I spoke with was extremely rude and unprofessional. He hung up on me during our conversation. I requested a signed contract between myself and Velocity Investments LLC, offering to provide my current address for correspondence. The representative refused to take my address and stated that he didnt need it. Additionally, he did not provide me with any information about their attorney, which I requested in order to initiate contact. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request validation of the debt, and the collector is required to provide me with accurate and clear information regarding the debt, including any legal representation involved. Their failure to provide this information violates my rights under federal law.
Consumer complaint received 2024-09-05
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. (FL)

Im very disappointed to see unauthorized inquiries on my credit report today. This has never happened before, and I tried refreshing the page in hopes that it was a mistake, but the inquiries remain. Im asking for a careful review of the documents Ive submitted so I dont have to keep worrying about this issue.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH 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 my 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, XXXX XXXX ON XXXXXXXX XXXX XXXX AND XXXX AND XXXX ON XXXX XXXX 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 XXXXXXXX XXXX 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 2024-10-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (AZ)

Dell Financial sold a XXXX XXXX XXXX XXXX XXXX  for approximately {$1500.00} and after paying for three years they sold the account without notifying me. 
Their unfair business practices resulted in extra payments and interest rates plus extra charges. 
Dell Financial has chosen to call the account a credit card account thereby charging a higher interest rate without issuing a physical credit card.
Consumer complaint received 2024-09-24
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. (TX)

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 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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 2024-09-05
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX  XXXX Balance : {$2900.00}, XXXX  XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please assist in deleting these items from my credit report XXXX  days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (NY)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

My accounts was never late! I have had exceptional payment history with 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 my 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

I have been disputing lunch funding for quite some time. I have said Im a victim of if tort theft and they come back saying the debit is valid. I feel like Im getting no where. I have a police report filed and froze my credit.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-10-05
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-03-15
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. (AR)

I am formally submitting this CFPB Complaint to the Credit Bureaus to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The accounts XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} appears to be reporting incorrect information : account number, payment status, and date open. I don't believe I was late on the dates you mention. Please update all late reporting on this account and report the payment status as positive.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

When I attempted to cash in my CHASE Bank XXXX, at my CHASE bank, both the manager and another " account specialist '' at that CHASE bank ( in the cubicle directly next to him ) decided they were going to play a mean-spirted trick on me. 

I went into the CHASE bank to cash-in mXXXX XXXX, instead of renewing. And was issued a check for the balance, plus interest, of {$120000.00}. 
For the next few days, I mulled over what I should do with the money ; cash it, cash part of it, invest it back into another XXXX  with a bit higher rate... I then decided to cash it, deposit it, and give myself time to think. I went to an even more nearby XXXX XXXX. The teller at that XXXXXXXX XXXX informed me " This is a paper, " dummy '' check. It looks like a XXXX XXXXopy. We can not cash it. '' Just about beside myself with a case of shock, I walked to the CHASE bank where the manager had issued me that check, and stood in line to cash the check. The teller told me the same thing the teller at XXXX had told me, " This is a dummy check, I can't cash it. '' So there I stood, dumbfounded. I asked to speak to the manager who had issued me the check. He came over, and with a sly grin, said " Sorry sir, that is a fake check, it is just a " XXXX XXXX  check. '' And that account is closed. There is nothing we can do. Again, I'm sorry. '' I was livid. And described in detail, and very audibly, for all to hear, that I was was just in this bank, days before in your cubicle. You issued me this check! And I'm not leaving until I get my {$120000.00}! The manager insisted on playing his trick out further, even though the line behind me was getting longer, and everybody was now listening intently. He said " You are getting too loud, I am going to ask you to leave ''. I said " Are you accusing me of theft? Of copying a check on a copying machine, and asking you to cash it? I'm not going anywhere. And besides, you know if this check had been cashed, and when, and where, and by whom. '' He relented. And issued me a " real '' check. I then walked back to XXXX and deposited it. 

This trick was beyond anything XXXX, or anyone, should ever have to put up with. It was a horrific experience. And worse of all, was done for amusement. 

Here are the details : XX/XX/year> CHASE BANK XXXX XXXX XXXX. 
XXXX XXXX, Ca. XXXX XXXX and issuer of the " XXXXXXXX '' check for {$120000.00} : XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to dispute the inaccurate reporting of my mortgage account # XXXX by XXXX XXXX XXXX XXXX to the XXXX XXXX XXXX Equifax, XXXX, and XXXX. My mortgage account was placed on a hardship payment deferment program from XX/XX/XXXX until the mortgage loan was paid off in XX/XX/XXXX due to the financial hardships I faced as a result of the XXXX pandemic. My account should never have been listed as late. 

During the course of the hardship assistance program, I encountered numerous challenges and discrepancies in dealing with XXXX XXXX XXXX XXXX. The process was plagued with delays, lost paperwork, unresponsiveness, and conflicting information from your representatives. In XX/XX/XXXX, despite being assured that everything was in order, I discovered that my home was in foreclosure, which forced me to take immediate action, including temporary bankruptcy filing, to avoid losing my home. 

Furthermore, the obstacles I faced in receiving a {$50000.00} Virginia XXXX XXXX to help with my mortgage payments were compounded by the difficulties imposed by XXXX XXXX XXXX XXXX. These experiences have led me to believe that the actions of your representatives were intentionally obstructive and designed to put me at a disadvantage in order to facilitate the bank 's financial gain through foreclosure. I have detailed records of correspondence with your representatives as evidence as well as recorded phone calls. 

The inaccurate reporting of my account as late on my and the co-buyer ( XXXX XXXX ) credit reports ( 8 instances of 180 days late, 1 instance of 150 days late, and XXXX instance of 60 days late ) is misleading but also severely impacting my ability to secure credit and adequate living arrangements. I demand that XXXX XXXX XXXX XXXX correct my account to reflect that payments were made as agreed and that no late payments occurred. 

Failure to rectify this erroneous reporting promptly will leave me with no choice but to pursue legal action to protect my rights. This may include seeking restitution for the legal fees incurred, compensation for damages suffered, and punitive damages for the undue stress and hardship caused by the actions of XXXX XXXX XXXX XXXX. 

I hereby request a timely response from XXXX XXXX XXXX XXXX and urge for the immediate correction of the erroneous late payments on my loan account. Your cooperation in this matter expediently is appreciated. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was completely shocked when I saw inaccurate accounts on my credit report this morning. I always check it regularly, but this time there were discrepancies that seemed to appear out of nowhere. I even refreshed my browser multiple times, thinking it might just be a technical issue, but the wrong accounts stayed on there. Because of this, Im requesting a thorough review of the documents Ive sent, so I can stop worrying about this happening again.