davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (CA)

Accounting and Credit Reporting Department To Whom It May Concern This letter is to inform you that upon viewing my credit report, I noticed different companies were listed as a derogatory mark of collections. I do not remember ever making an agreement or a business relationship with these companies ; they are all inaccurate. As of today, I have no memory of receiving a dunning letter from anyone asking if I wanted to dispute the debt in the account. Please accept this letter as my formal dispute of these accounts. I am also requesting that you provide proof that I owe this debt, Purchase agreement with my signature. 
Under the Law 168e compliance and procedures I want to ensure all the information on my credit report is 100 percent accurate in accordance with consumer law. I investigate and delete any information that is reported or not and is not XXXX percent accurate. 
Account Name : XXXX # XXXX XXXX  # XXXX  XXXX/ # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  # XXXX XXXX/XXXX  # XXXX I am hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you not contact me nor anyone else except the original creditor about this collection. 
In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. 
Also, I will need you to famish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that they are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process ( debt buyer, 3 party, etc ). Proof that the original creditor authorized you to collect on the debt on their behalf. The original creditor 's name. Details on when the account first went into a delinquent status since that is the date required as OPEN DATE on the collection account. ( Etc etc. Be reasonable in the request ) Please do not contact me until you have collected and sent this information to me by the address on this letter. You do not have authority to provide this address to the credit bureaus as an updated address for the account. If you provide these within a reasonable amount of time. then you may contact me on the phone number ( XXXX ) between the hours of XXXX XXXX Mon-Tue.Please note that any calls outside of these hours to discuss these matters are a direct violation of my rights. Sincerely XXXXXXXX XXXX XXXXXXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (FL)

I called the company to explain that I was not the one who authorized to do this investigation of my credit and I never signed anything because I did not authorize or make that request, I request the immediate elimination of my credit bureau
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (MD)

This is 3 accounts with AFFRIM INC. one is for the amount of {$330.00}, {$400.00}, {$1000.00} I have been disputing since XX/XX/2023. I have no knowledge of this account I have requested a debt validation and has yet to receive it. When I called I was told these accounts was sent to 3 difference collections agency that I have yet to receive any information or is listed on my credit report.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION (FL)

A month ago I requested a new personal debit card because I lost my card. I went to the branch and was told they no longer issue temporary cards. I was told I need to wait XXXX weeks to get the new card. I waited that length of time but never received the card. I went back to the branch and was told the was a system error that they were aware of causing parts of my address to be cut off, so the card wasn't sent out. I verified my address and was told a new card would be sent out within XXXX weeks. It's now been over XXXX months I have been waiting for a new card. I went to the branch and was told I would have to pay {$5.00} dollars to have the expedited in which I declined because this isn't something I should have to be for. They said they are unable to waive the fee. There are other changes including charging us for account inactivity. It isn't right to do these things to customers.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> Fraud was committed on my debit card which is is connected to my bank acct I reported it to chase bank, there were XXXX charges. Today on XX/XX/year> I came to realize the credit they issued for XXXX Fraud was reversed and taken out of my acct, when I called they said they have proof It isn't fraud, I spoke to XXXX he refused to show me send me that info so I asked for a supervisor, the supervisor said she would send me that info but it was confirmed I made the transaction because chase said they XXXX had my full name, address, email address and phone XXXX I explained to them that who ever did this stole my identity XXXX I needed to change all my access they didn't want to hear me or my explanation and told me I am liable for that charge and the other ones were still pending. How can I b liable for that they keep asking me if the card was in my possession as if I gave it to someone, they r accusing me of that, I responded of course the card was in my possession I used it and made purchases with it at stores. They will not help me or reopen the case, they took back the money of XXXX. I did not commit this fraud my identity was stolen and I really would like my monies back. Thank u
Consumer complaint received 2024-07-15
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-10-03
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. (CO)

An account shows on my credit report, along with late payments, charge-offs, and other negative score related activity, that is all the result of identity theft and fraud. The account has damaged my score and cause tens of thousands of dollars now in increased fees and rates. I have repeated provided proof and requests to XXXX and Experian to remove this fraudulent account, but they have not. Even though within days XXXX found clear evidence that it was fraud and did remove the account. The XXXX and Experian companies have violated the FCRA and caused financial damage, and must be held liable. 
The FTC has an identity theft report and has agreed with the findings. The Federal Reserve has confirmed the details and believe this account is the result of fraud. Multiple collections agencies have been sent this information, and they all have found no evidence the account belongs to me, they have removed their collections efforts and have requested the credit reporting agencies to remove the incorrect and fraudulent account. Yet XXXX and Experian continue this violation. There are also emails from the legal department of the credit company that agree that this account is not mine and should have no negative reporting connected to my credit report. 
At this point, I suspect XXXX XXXX or other prominent individuals at the company to be involved with this continued fraud, and should also be held liable. 
The account for XXXX / XXXX needs to be immediately removed from my credit report and remove any and all negative remarks and scores. There has been ZERO evidence provided that this account belongs to me, and is clear that fraud and identity theft has used my information for this.
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

Dear XXXX ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TX)

On XX/XX/XXXX XXXX sent me a refund in the amount of {$1500.00} to my XXXX account and on XX/XX/XXXX XXXX sent my refund back to my credit card company elan credit card Services credit card company my credit card ending in XXXX My credit card company never received the refund. I tried to call XXXX and they gave me a wire number that they use to send my refund to elan services credit card company I tried to give that wire number to elan credit card services, They can not locate my refund and I dispute it with the dispute department to see if they can investigate it further and I received a letter in the mail from Elan credit card services saying that they do not have my refund never received my refund. Ive spoken to XXXX over XXXX times on the phone and all they can tell me is Im sorry you cant find your refund please escalate it further with your credit card company and which I have done that with Elon Credit Card services and they tell me that they have no record of any refunds For me after XX/XX/XXXXXXXX The original purchase date for this product was XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-07-15
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-15
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)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-15
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. (CT)

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. 

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 and list of Inquiries. 

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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX, XXXX XXXX XXXX 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 XXXX 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 2024-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX, Equifax, and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}