davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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: AMERICAN EXPRESS COMPANY (TX)

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : AMEX Open account with account # XXXX and or card number XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 

This account is incorrectly being reported as a charged off account with a balance due. I requested American express to provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. In addition I requested a debt validation letter. 

According to the Fair Credit Reporting Act 15USC 1681 section 602 a states. There is a need to ensure that consumer reporting agencies exercise grave responsibilities, fairness, impartiality, and respect for consumer right privacy. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) agency shall ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. 

BE INFORMED : Any actor, agent, or fiduciary who delays restricts, or otherwise prohibits the movement of this Negotiable Debt Instrument in its lawful progression destined to or for the Holder in Due Course, Secured Party, or claimant must show cause why a contempt charge should not be issued against him/her in his/her/their true character, or suffer the consequences of said action or lack of action.

American Express has been informed I have found several violations with fraud. in writing. Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
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. (NY)

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2024-08-14
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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (KS)

To whom it may concern : This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC 1681 et seq. that you are reporting inaccurate credit information.

After a careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report. The accounts listed below are incorrect and several are outdated. The following accounts need to be investigated immediately to reflect my truthful credit history. If any accounts listed below can not be verified they should be deleted from my credit report as soon as possible.

I was very upset when I discovered that you have included the information I have specified below in my credit profile which has resulted in my credit score being negatively impacted in a major way. As I am sure you are aware, the FCRA requires you to properly investigate any debt dispute. I am sure that the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
Because of the mistakes on my credit report, I have been wrongfully denied credit recently which was extremely embarrassing and has negatively impacted my lifestyle. 
My rights were violated under Laws : 15. USC 6802 and 15 USC 1681a, 15 USC 1681b, 15 USC 1681c, 15 USC 1681- I, 15 USC 1681-I ( a ) ( 6 ) ( B ) ( 1 ) and 18 USC 1028A.

I was NEVER given the option to opt out from having my information to third parties which include but are not limited to the following entities and I did not receive Form 1099-c from any creditor.
Consumer complaint received 2024-06-29
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. (NJ)

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Consumer complaint received 2024-06-28
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

XXXX XX/XX/XXXX they notified me that my XXXX  accounts ( spend and save ) had been locked and send them a government issued ID, selfie of me holding the card, name, DOB, address, email address to lift the lock on my money accounts so I could close the account. 
I uploaded the data ( my TX Driver 's License, my XXXX XXXX ID Card, and all personal data ) via their provided link. Repeat, day after day all the way up to today. I replied to their emails asking for exactly why my account is locked and what I could do to get it unlocked and close my account. Only answer via email, chats, and phone conversations ended the same way, " we apologize but this is for your protection '' and " details remain at the higher level team handling your case ''. 
I noticed yesterday that they did state in the very first email as like an after thought, I could call ( XXXX ) XXXX and when asked why I'm calling to say " speak to the Resolution Team '' I did that yesterday, and they said they got my request to close my account and give them 10 days ( to XX/XX/XXXX ) to process the closing my account. Not recieved any confirmation of this via email and think it was just another way to delayclosure and hold onto my funds.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/XXXX I sent XXXX a letter saying : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX Since I did not hear back from XXXX, on XX/XX/XXXX I checked my credit report and saw the same incorrect information reporting on my credit report. 

On XX/XX/XXXX I sent the letter stating : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I received your letter dated XX/XX/XXXX requesting for more verification of my identity. It is enclosed along with this letter. Once again, I recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Employer : I am a Student at XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX On XX/XX/XXXX I received a letter from XXXX not addressing my concerns at all and instead talking about my " concerns about fraud '' which was not the issue. 

I still to this date have inaccurately reporting information on my XXXX credit report. I sent in a letter on XX/XX/XXXX asking them yet again to rectify the information on my credit report ( my phone number, address, employer, etc. ) I will include the certified mail receipts for all correspondence sent on my behalf. 

I still have not received an accurate credit report from XXXX.
Consumer complaint received 2024-08-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Uplift, Inc (MO)

Uplift was used to obtain a loan for an airline purchase for my grandfathers memorial service. I had multiple issues with this loan and this company. On multiple occassions, I was contacted by the company to " update '' my card, as they stated that my card was declined or invalid. I updated the card and again placed it on automatic payment. After several times of this happening, I contacted my bank who advised me that they had no record of a decline from Uplift. I spoke with Uplift and was advised that the account was corrected to show paid as agreed. It was updated but then reappeared with different information that previous. It shows 4 delinquent payments. XXXX, XXXX and XXXX of XXXX and XX/XX/XXXX. When I called to discuss again, I was directed to file a dispute-which resulted in no adjustment being made.
Consumer complaint received 2024-07-16
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. (DE)

I am writing to demand a detailed explanation of the so-called investigation process you undertook concerning the XXXX account listed on my credit report. Your response to my previous dispute was wholly inadequate, and I insist on a comprehensive description of how you conducted your investigation into this erroneous entry. 

Specifically, I require the following information : Method of Investigation : A detailed account of the steps you took to investigate this dispute, including the specific methods used to verify the information provided by XXXX. 

Correspondence : Copies of all communications between XXXX and XXXX regarding my dispute, including any documents XXXX provided to substantiate the debt. 

Verification of Accuracy : A clear explanation of how you verified the accuracy of the information reported by XXXX. Include the name and contact information of the individual or department at XXXX who verified the information. 

Investigation Timeline : The exact timeline of the investigation process, including dates of all actions taken by XXXX and any responses received from XXXX. 

Compliance with FCRA : An explanation of how your investigation process complies with the Fair Credit Reporting Act ( FCRA ), specifically how you ensured that all information provided by XXXX was accurate and complete. 

Your failure to properly investigate and verify the disputed information on my credit report is unacceptable. If you can not provide a thorough and satisfactory response to this letter within 15 days, I will consider pursuing legal action for your failure to comply with the FCRA. 

I expect an immediate and comprehensive response to this letter. It is your legal obligation to ensure the accuracy of the information reported on my credit file, and I will not tolerate any negligence in fulfilling this duty.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I am writing this complaint about Chase bank. Chase Bank has been holding my tax refund money for about 5 months now, on XX/XX/XXXX my tax refund of {$8300.00} was put into my bank account 2 days later my account was restricted, I rush to the bank to see whats going on. a branch manager told me that they do not know why my bank account is being closed, and that they do not have to provide me a reason why its being restricted. and closed only information that I received was in 10 business days, They will send me a cashiers check. After the 10 days nothing was ever received, I then went back to a branch and asked what was going on. They then let me know that since my personal name wasnt on the check it was in my partners name. that they are considering it to be fraud and they need to verify my boyfriends phone number, me and my spouse give all the information necessary to receive our funds. As requested by a branch manager, We give them all of our tax documents. give them phone numbers, passports, IDs birth certificates, birth certificates of the kids, everything they asked for we provided, they tell us the The number that was given to them could not be verified through my boyfriends name. And thats the only way he can verify himself, because in their system, we have done everything in our power to get our money. We called his phone carrier and made sure his number was in his name we also got a new phone number because chase told us that it would probably benefit us to do so, after so many months they are giving us the same excuse. My boyfriend is the soul provider for our family. He XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for hours making the money for us to live. Check to check. We have XXXXXXXX XXXX XXXX I am a stay at home mom, with that being said our refund check would really be useful to use. And it is rightfully ours. Please we have tried everything in our power to get chase to give us our tax return.
Consumer complaint received 2024-08-13
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XX/XX/ 2021, with an alleged collection amount of {$16000.00}. 

Concerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. 

Verification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. 

Cease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken.

Removal of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.

Consumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPONE AUTO ACC # XXXX ] Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
CAPONE AUTO ACC # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (GA)

I have experienced Identity theft. My Emails have been hacked, credit cards open. numerous credit inquiries, among many other things. My credit Karma has also been hacked and passwords changed. I can not get in to my credit karma account. I have frozen all 3 credit bureaus. I made numerous attempts through Credit Karma customer service to shut my credit karma down as the identity thief uses credit karma to monitor my credit activity. I am requesting that anything relevant to my Social Security number with credit karma be immediately shut down. Also anything relevant to my two Emails with credit karma be immediately shut down : XXXX XXXX XXXX ID Recovery Case # XXXX Credit Karma customer service is difficult to reach and offers no help when you do finally get them. Also filing a XXXX XXXX XXXX  against their customer service.