davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MO)

The institution of JP Morgan bank/Chase bank charged me {$5.00} for an account management fee and it seems like they might be trying to steal my tax refund. I have made to the account no {$13.00} deposit XX/XX/2024 to my savings account they said I did but I did not. They might have taken my maximum tax refund that was due by XX/XX/2024. I reported them to the FDIC .The bank has not yet relieved my maximum tax refund direct deposit to me yet. Just the micro deposit of {$13.00}.
Consumer complaint received 2023-07-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX and XXXX XXXX has deleted from my credit since they went Bankrupt. This has affected my credit score were I was in good standing and score was in XXXX 's now it has lowered XXXX points. My lease contract is with XXXX XXXX XXXX and I feel they CAN NoT just erase that I have NEVER missed a payment or been late! I feel they have SCAMMED everyone that has gotten a vehicle from them. I worked to get my credit built up and now it.has been ripped away. I am in the process of speaking with a lawyer over the situation including this with my credit also. I do not see how this would be legal to just delete off someone's credit history.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681EB. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 1666b 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

Used BMO ATM on XXXX XXXX in XXXX at XXXX XXXX 
Put in my card and pin for deposit of {$900.00} cash. ATM machine recognized the {$900.00} and the number appeared on the screen. 
Asked me which account I would like to make the deposit to : Checking or Savings. I chose Savings.

Machine said, error to account or somethinng similar and proceeded to spit the cash back out. The gate where I deposited cash is the same that spit it back out, then it closed after only returning {$700.00}. And I went and got the manager, by watching the machine, opening the door and yelling that I could use some assistance. 
The manager came out and we diacussed what happened. He then asked me to make a withdrawl of {$5.00} to see if my {$200.00} would be there when the metal door/gate opened to give me the {$5.00}. 
I proceeded. But this time the gate/drawer/doo where the funds come in and out opened on the right side instead of the left side like before. 
I received my {$5.00} bill amd thought I would try depositing it to see if that would open the other gate where my {$200.00} might be stuck. 
I went through all of the steps until I was to pick a transaction type and the only button that wasn't highlighted was the deposit button. I was not able to deposit the {$5.00}. 
I went into the bank and deposited the {$700.00} via a teller. I asked the manager when I would get my {$200.00} and he clearly said " by midnight or tomorrow morning at the latest ''. I asked for a written statement of what transpired and he refused and gave me his card. BMO is the worst bank! 
I posted my experience on XXXX and many people have come forward with their own terrible experiences. 
They also sent me a letter a month ago stating that they had overcharged me {$70.00} in transaction fees and would be depositing it into my account but they never did. When I called to ask about the missing deposit and the letter, the person the the line said they did not have access to letters I have been sent. And there was no record of this. I am XXXX and out of work so every XXXX counts. I will change banks as soon as possible. This bank is only out for themselves.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (FL)

My house was seriously damaged after hurricane IAN, then my insurance company XXXX went insolvent. So after some of the money being authorized by XXXX prior to insolvency, the rest went to XXXX XXXX XXXX XXXX XXXX  took over the claim. After XXXX months of negotiation with them they issued 2 checks with Chase Mortgage as a co-signer. Chase refuses to endorse the check. 

They after sending an inspector to see that my house was repaired, after hurricane, IAN, and it is. Inspectors report said 100 % repaired. They said the inspector didn't inspect to the correct claim amount. To go back to my insurance company and get a copy of the new claim, there isn't one as XXXX went insolvent. So after arguing with XXXX XXXX XXXX XXXXXXXX XXXX, and reaching agreement with them. They sent 2 checks. Chase won't endorse them to me because of some goofy internal system issues they have. The asset in question, MY HOUSE, is 100 % repaired, their inspectors report, Their portion of the asset is secure. I paid for it, now finally XXXX months later will get back half of what it cost me, and Chase wants to play more games with my money. 
I have 2 large checks that must be endorsed by Chase who has no dog in the fight other than a mortgage on my house for XXXX XXXX of the value. 
They inspected the house. This is not their money, they just have to endorse the checks and, they refuse. I asked yesterday to send me a letter with exactly what I have to do to get the funds released, and they said they don't do that. 

Hopefully... .. an attorney will get my funds released! XXXX XXXX XXXX XXXX!!
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (SC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

I have recached out to XXXX XXXX XXXX over 5 times asking that the XXXX accounts they have in collections be removed. XXXX XXXX XXXX is in violation of 15-usc-1692 and 15-us-1681 I ask that both these accounts be removed as these accounts have also been charged of called the original creditor asking for a XXXX and they have not sent out yet. these accounts have been charged off by the original creditor making them taxable income by the IRS and taxable income can not be on a credit report.
Consumer complaint received 2024-07-03
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. (IL)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Our truck was repossessed on XX/XX/XXXXXXXX XXXX We called Randolph Brooks Federal Credit Union that morning around XXXX when we noticed our vehicle was gone. We were given the information of the towing company XXXX XXXX that had the vehicle. We were not made aware that they would charge us {$50.00} dollars to retrieve our belongings. Randolph Brooks Federal Credit Union did send us a notice giving us 21 days to retrieve our belongings or the vehicle ( payment in full only ). The company XXXX XXXX said the fee to retrieve was {$50.00} dollars in the form of cash only on XX/XX/XXXX via phone call. My husband and I called Randolph Brooks on XX/XX/XXXX to notify them of the charge and that it was an unlawful practice, the representative responded that was the fee that the company charged. I feel this is unlawful on Randolph Brooks part if someone has gotten their vehicle repossessed there is financial hardship of some sort and to try to put the responsibility on the tow company is unjust. The tow company is aware of the law and that is why they are only accepting cash for the fee they are charging for consumers to retrieve their personal belongings. Randolph Brooks did not say that it was in the contract that our belongings became their property but said we would be able to retrieve our belongings knowing full well that this company would charge us a fee.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC (FL)

Please CFPB do not cancel this request this is a request from of a consumer to exercise his right : consumer has been attempting to get trade lines removed from credit reports per debt collection policy. If you mark this as duplicate its a violation of consumers rights. 


Complaint as follows for collection agency : National credit adjusters. As per their website : ncaks.com : After Your Account is Paid For those accounts that XXXX credit-reports, our policy is that 60-90 days after the account is satisfied, we request that the credit bureaus delete our tradeline. Before then, you may notice a paid-in-full status 30-45 days after its paid.

I have 2 accounts with them that have been paid and satisfied, Accounts XXXX and XXXX XXXX has not updated account status on above account. Collection agency has failed to update in timely manner consumers credit report for all 3 agencies to reflect payment made and account satisfaction, nor have they made attempts to delete trade line from consumers credit reports. Consumer has reached out via email to XXXX XXXX XXXX informing them of their policy as posted publicly on their website, and any further negative reporting to credit bureaus will be met with legal action
Consumer complaint received 2024-07-03
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. (FL)

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX is alleging that I owed an amount of {$7900.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Consumer complaint received 2024-07-03
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. (PA)

TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX XXXX XXXX, AND THIS STATEMENT IS GENERATED BY ME. AFTER REVIEWING MY CREDIT REPORTS IT HAS COME TO MY ATTENTION THAT THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT BE REFLECTED ON MY CREDIT REPORTS. PER THE FEDERAL CREDIT REPORTING ACT ( FCRA ) USC CODE 1681-B AND 15 USC CODE 1681S-2 ( A ) THE ACCOUNTS LISTED VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER FCRA GUIDELINES, IT IS NON-PERMISSIBLE FOR A CREDIT TO FURNISH INFORMATION WITHOUT MY WRITTEN CONSENT, AND MY APPROVED/AGREED WRITTEN INSTRUCTIONS. NO CONSENT CONSTITUES IDENTITY THEFT. FURTHERMORE, AS A FEDERALLY PROTECTED CONSUMER, I AM DEMANDING THE DELETION AND REMOVAL OFF ALL ACCOUNTS LISTED IN THIS REPORT IMMEDIATELY.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX 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 2024-07-28
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. XXXX not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$380000.00}
Consumer complaint received 2018-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

on XX/XX/2018 I filed a disputed with TD Bank regarding 5 unauthorized ATM transaction from my Checking accounts I have reported the incident to the local police department and filed a police report. TD bank refused to honor my claim stating that the card that was used to conduct the transaction had a chip on it. I had my ATM card on my possession at the time of the incident. TD bank wants me to pay back the money that was taken out of my bank account without my authorization. can you please help me with the dispute.
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

This company claims a debt is new and shows on credit report as defaulting on the debt on XX/XX/XXXX. This debt is old and it was charged off in XXXX XXXX. I am still contacting the original creditor and yet to be contacted back because they couldn't find the information on the credit card only to who it was sold. It has been sold twice to two different companies. The statues of limitations for my state has expired and they have been treating me to sue me to collect this debt.
Consumer complaint received 2023-12-09
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 am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to remove fraudulent items from my credit file. The persistent presence of these inaccuracies has caused significant distress and concern, necessitating immediate attention and resolution. 

I discovered unauthorized and fraudulent items on my credit report. Disturbed by this discovery, I promptly initiated the dispute process with your bureau to report the inaccuracies and request their removal. 


During my initial disputeI provided detailed information about the fraudulent items, including supporting documentation, and requested a thorough investigation into the matter. 


Despite the dispute process, I have made multiple follow-up attempts to inquire about the progress of the investigation and the status of the removal of the fraudulent items. Unfortunately, these attempts have yielded no resolution, and the inaccuracies persist on my credit file. 
The lack of resolution to this matter is deeply concerning. The repeated failures to remove the fraudulent items have not only caused financial strain but have also compromised my creditworthiness, affecting various aspects of my financial life. 
Requested Actions : I urgently request the immediate and complete removal of all fraudulent items from my credit file. This is crucial to rectify the inaccuracies and restore the integrity of my credit report. 

I implore your team to expedite the investigation into these unauthorized items to identify any discrepancies and prevent any further harm to my credit history. 
Communication Clear and regular communication on the progress of the investigation and the steps being taken to rectify this situation is vital. I expect to be kept informed throughout the resolution process. 

Given the distress and potential financial consequences caused by these fraudulent items, I request fair compensation for any damages incurred. Additionally, I seek assurance that credit monitoring services will be provided to safeguard against future fraudulent activities. 
I trust that you will treat this matter with the utmost urgency and diligence it demands. The timely resolution of this issue is crucial to restoring the accuracy and reliability of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
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 have made multiple attempts to kindly and amicably hand this matter with Equifax but to no avail. They just continue to send me stall letters, and automated responses, How is this fair for a corporation to have all this power and no accountability?