davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (IA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX XXXX XXXX XXXX # XXXX You have validated inaccurate information and this account is hereby disputed.

The information on this account being furnish

ed on my consumer report in fact inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general after any reinvestigation under paragraph ( 1 ) of any info
rmation disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

List of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
How can you verify inaccurate information? You have violated METRO2 Compliance procedures and format for reporting! 
Delete this account from my consumer reports.
Consumer complaint received 2023-09-28
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. (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 Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING 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.

This company 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 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX placed by XXXX has violated my rights.

15 U.S.C. 1681 section 622 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 an account without written instructions.
Consumer complaint received 2024-09-11
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. (DE)

I am writing to address a serious concern regarding your failure to maintain fair and accurate credit reporting as required under the Fair Credit Reporting Act ( FCRA ) XXXX. Despite my repeated efforts over the past several months to have disputed items removed from my credit report, you have persistently affirmed their accuracy without providing any evidence of the verification methods used. This lack of transparency and adherence to FCRA guidelines is deeply frustrating.
Consumer complaint received 2024-09-11
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)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX  XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. 
Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit 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 XXXX
Consumer complaint received 2024-09-11
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)

just recently looked at my EXPERIAN consumer report XX/XX/XXXX, XXXX i saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiries due to violation of XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (AR)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports:XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX Employer - XXXX XXXXXXXX Incorrect Current Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX CT, XXXX, FL XXXX
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I went to the ATM machine inside Chase Bank in XXXX XXXX made a cash deposit of {$1500.00}. Got my receipt and pulled my card out and as I was walking out, a man came out behind me and said that a XXXX dollar bill had fallen out. When I got home I realize that someone had taken XXXX separate withdraws of {$500.00} each. And taken the money obviously they used my pin number which they must have gotten from a fake card reader. I realized when I got home that someone elses card had come out. It was clearly a sophisticated scam. But the bank is holding me responsible for it.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-11-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/year> XXXX XXXX XXXX XXXX XXXX charged my card for merchandise I did NOT request. I was told by Bank of America that the charges were pending and NOTHING could be done until they posted. I did not authorize and waited for the transactions to drop. 1 transaction dropped off, but the other did not! XXXX XXXX XXXX even sent a letter to Bank Of America on my behalf regarding this issue. I NEVER received ANY merchandise from this transaction as I did not authorize it! Now Bank of America has denied my claim! Bank of America is well aware that. I did not want to get anyone in trouble but Bank Of America knew those cards were getting compromised and often times REFUSED to give clients their money back! This is the 3rd time this happened with Bank of America!
Consumer complaint received 2024-10-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (LA)

I am writing to formally request validation of the debt referenced in your recent correspondence regarding an account originally held with FirstMark Services in the amount of {$4900.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( FirstMark Services ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
I dispute the validity of this debt and request that you cease all collection activities until you provide the requested validation. Additionally, please refrain from reporting this debt to credit bureaus during this verification process. 

Given the circumstances surrounding this matter, I believe that an immediate deletion of this debt from my credit report is the fair resolution. Since I have requested validation of the debt, and until adequate documentation is provided to verify its legitimacy, continuing to report this debt could be considered inaccurate and harmful to my credit standing. Therefore, I respectfully request that you take prompt action to delete this account from my records as a just resolution to this dispute. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I noticed that CAPITAL ONE AUTO FINANCE pulled my XXXX credit report on XX/XX/year>. I did not authorize this. It was a hard inquiry which negatively effected my credit score. I want proof that they had a lawful reason to pull my report. 

Attached : Driver 's License Current utility bill proving address W2 proven identity and address.
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

Found a XXXX group selling XXXXXXXX XXXXXXXX XXXX, worked a deal out with seller the seller told me the XXXX could be delivered to my address. After an extensive conversation via XXXX she provided a picture of certificate showing she was a licensed XXXX, and video of her holding the XXXX I picked out. She told me the delivery would have to be the next day and a deposit of {$200.00} would be needed for the XXXX. We both used Chime so a bank to bank transfer was done via Chime. The following morning she said the XXXX was registered and ready to be sent to me. The shipping company then contacted me and told me there would be a {$1000.00} fee to rent a XXXX to fly the XXXX. The XXXX was to be delivered 86 miles away in the same state so flying wasnt needed. They then changed the fee to {$300.00} for XXXX for van transport. I did not feel comfortable paying this fee. Contacted the seller told her I wasnt comfortable with paying extra as that was not discussed. She said she would get the XXXX and I could pick it up from her place of residence. The time came to pick up the XXXX and can not get in touch with the seller, however weird enough 10 minutes after messaging her the shipping company messaged me saying they couldnt get the seller so they needed {$150.00} for a penalty fee. Still have not heard back from the seller. Bank will not reverse the transaction sent.
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, ( Claim number XXXX ) Claim related to account ending in XXXX. 

My name is XXXX XXXX, and I am writing to lodge a complaint against Chase Bank. I have been a loyal customer of Chase Bank for many years. However, I recently experienced a significant breach of my personal information and a hacker attack, during which nearly {$8000.00} was fraudulently withdrawn from my Chase Bank checking account via XXXX XXXX ( XXXX ) and XXXX ( XXXX ). Faced with my losses, the bank has been unable to recover or compensate me, which has left me, an elderly person, heartbroken, angry, and hopeless. 

What Happened? 

On the afternoon of XX/XX/XXXX of this year, my phone, which I had recharged with XXXX, suddenly stopped working and I couldnt make any calls, despite having already paid for that month 's service. At the time, I thought the issue was because my XXXX card was too old, so on Monday, XX/XX/XXXX, I went to XXXX 's office as soon as it opened to replace my XXXX card. The office employee asked me to pay in cash, so I went to a nearby XXXX XXXX XXXXXXXX ATM to withdraw cash. However, I was unable to withdraw even {$20.00}. Upon inquiring at the counter, I was informed that my account had been frozen because someone had been continuously withdrawing money from my checking account. I immediately reported to the bank that the withdrawals were not made by me. The bank quickly took action and was able to recover my money. 
At the same time, the same thing happened with my Chase Bank account. Both of my accounts at these banks had been compromised, and I then realized that my personal information had been stolen, and hackers had attacked my accounts. My phone number was transferred from XXXX to XXXX by criminals on XX/XX/XXXX. I was also unable to access my email account or ID.me account. A XXXX XXXX XXXXXXXX employee suggested that I change mobile service providers, so on XX/XX/XXXX, I switched my phone service to XXXX XXXX XXXX. 
The first time I reported to Chase Bank and informed them that the withdrawals were not made by me, the Chase employee told me that, because not all of my personal information had been leaked, the money could be recovered. I was very happy to hear this and provided the necessary evidence as requested by Chase. Chase quickly returned the money to my account, and I thought the matter was resolved. However, a month later, Chase Bank withdrew the same three amounts from XXXX and one amount from XXXX again from my account. When I went back to Chase to inquire, the employee said that although they believed me, their two discussions with the other party resulted in refusal to refund, citing that my information was accurate, so the money could not be recovered, and the bank was unwilling to compensate me.