davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NJ)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

RE : Failure to reinvestigate in violation of the FCRA To whom it may concern : On XX/XX/year>, I mailed you a letter disputing inaccurate information resulting from identity theft contained in my consumer reports compiled, maintained, and published by you, allegedly concerning regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As per United States Postal Service and my records, you received my dispute letter along with my FTC Identity Theft report on XX/XX/year>. Accordingly, as per FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the XXXX period on the date on which you received my dispute letter. You received my dispute letter on XX/XX/year> along with my FTC Identity theft report along with my Identification, 605 B letter and my dispute letter. Therefore, your response were due on or by XX/XX/year>. Instead of sending me a response letter with the results of your investigation of the disputed information, you did not investigate my disputed information and never return my phone calls when I called to speak to someone about my disputed information. 
Clearly, you have willfully failed to investigate the disputed information as I have requested. Instead of deleting the disputed information you willfully failed to conduct a reasonable investigation altogether. XXXX and XXXX completed their investigation in the allotted period and deleted these items off my consumer report. However, your excuse, assumption and reasons as to why you did not investigate my dispute is not a valid reason under the FCRA to not investigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file per the FCRA. Your failure to investigate is an intentional and or negligent act and a FCRA violation. 
As a result of your conduct described above, you shall promptly delete the disputed information. Be advised this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such an investigation has expired and shall not be extended by law. 
Within 14 days delete the disputed information as requested.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a follow-up complaint, to CFPB Complaint XXXX, that I filed to TransUnion, about a collection agency falsely placing a collection item on my credit bureau reporting for some {$2600.00}. Since then, in a separate complaint that I filed with the CFPB against that collection agency ( " XXXX XXXX XXXX XXXX '' or " XXXX '' ), they have responded on XXXX that they and their client can not 'confirm or deny ' the accuracy of the account falsely reported to the XXXX major credit bureaus ( see attached ). That is evidence, in-and-of-itself that the account should not appear as a legitimate collection item on my credit reports, but that the collection agent has a duty to investigate it and verify it, and until they can do that, should not in the interim report the item to my credit bureau reports. XXXX, having acknowledged that that can not determine its legitimacy, needs to delete it immediately.
Consumer complaint received 2024-10-16
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>. I received a call from chase bank stating fraud. The fraud department transferred me to a phone number XXXX, and a lady named XXXX XXXX said she was from consumer financial protection bureau. Stated in addition to this fraud attempt I have XXXX additional credit cards a student loan and a mortgage under my name. I told her no. 
She said she was running a credit report. I told her good luck because I have all bureaus frozen since the data breach. She put me on hold and transferred me to some loan protection officer, who again was trying to fish info. 
I told him I dont do over the phone and hung up. 
I called consumer financial protection services and they denied this would be their tactic and most like a scam. So I am filing a report.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX BALANCED {$670.00}
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

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 2024-09-24
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. (OK)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

I requested that CHASE BANK/Credit Card Company update the balance to XXXX on all my credit bureau XXXX XXXX after I settled and paid off a XXXX debt on ( XXXX ) separate credit cards that had already been written off, charged off, and out of XXXX  XXXX XXXX of limitations, despite paying off these in cash at a local Chase Bank. They have been giving me a run around from my numerous requests to update these two credit card balances to {$0.00}. I have disputed this XXXX times with no resolution from XXXX, XXXX, XXXX, and XXXX, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IN)

I have twisted in writing ( twice ) verification of this debt. I had medical coverage throughout the time that this company claims I've owed this, but I get no response. Finally it dropped off of my credit report from old age, so they changed the date of first delinquency, and added it back
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I recently reviewed a copy of my credit report and noticed I had errors for my name and address on my report. Please remove the erroneous information from my report they are hurting my ability to obtain credit. 

Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

I've advised JP MORGAN BANK of their multiple consumer violations against me and they have yet to rectify their illegal actions. I've advised JP MORGAN BANK that I do not want my late payments being reported in reference to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Congress has ruled over transactions to be private and excluded from consumer reports and I'm notifying JP MORGAN BANK to cease all their violations and remove the late payment reporting from all 3 credit reports
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (NC)

Self financial INC/LEA I have disputed because Ive never heard of this company etc : and XXXX says its accurate which is a lie someone must have signed up under my information now Im paying the repercussions on my credit score! Im very anyry
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I filed a Dispute for my derogatory accounts to be removed for goodwill removal. I filed the dispute with Equifax on XX/XX/year>. I havent recieved any mail or notification that any investigation was completed. I believe I am wronged in this situation and my Credit is taking volatile hit due to these accounts on my credit. I am asking for the forgiveness of my credit unworthiness and A clean removal of the account I requested be removed.
Consumer complaint received 2024-08-01
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. (TX)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/year> I took an XXXX XXXX credit card payment from a customer for me to serve a lawsuit to several defendants in the XXXX XXXX XXXX XXXX XXXX I provided the services, informed the client and filed a copy of the Proof of Service with the Court ( attached ) as required by law. 

On XX/XX/year> I received an email from Square that the customer, XXXX XXXX, disputed the charge saying that he never received said services. I responded to the dispute and provided all supporting documentation ( filed proofs of service, docket from the Court and text to the customer ). I receive a follow up email stating that XXXXquare would still debit the funds from my account despite me showing proof that I did the work. 

XX/XX/year> I spoke with representatives from Square who were very not helpful and still saying that they are taking the money from my account. I informed them that would put me in a devastating situation but they did not care and proceed to take the funds from my account.

I do plan of seeking legal action ( both criminally and civilly ) against XXXX XXXX as well as Square and XXXX XXXX as well.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NJ)

I opened a new access checking account at Citibank around XX/XX/XXXX. I deposited {$25.00} as instructed and set up direct deposit with my employer. Here is the account number. XXXX. On XX/XX/XXXX when my direct deposit is sent out my account was suddenly blocked by Citibank. I spend 3 whole days calling every possible department trying to get the account unblocked. I was told my phone is unverifiable and the only way is to wait 2 weeks for a letter from Citibank. By Friday I had bounced two payments one of which read to the IRS. I CALLED 3 more times that day and was told my deposit was returned to my company payroll. Today I called citibanks executive response unit again to speak to my account manager. She now told me my deposit is in my blocked account and there is nothing they can do til I get their letter. Here is my case number XXXX. Please help. I will have my cell XXXX and WiFi turned off by the end of the week
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I received a fraud alert from Chase, which led me to discover XXXX unauthorized transactions on my Chase debit card : {$92.00} at XXXX XXXX XXXXXXXX XXXX XXXX ) {$6.00} at XXXX XXXX ( XXXX XXXXXXXX XXXX  ) I did not authorize these transactions and promptly reported them to Chase as fraudulent. I also filed a police report regarding the theft of my wallet ( XXXX XXXX : XXXX ). Chase initially issued a provisional credit of {$99.00} while they investigated the claim. 

However, Chase later removed the provisional credit and denied my claim, asserting that the transactions were authorized. Additionally, Chase incorrectly stated that I had not included the XXXX XXXX transaction in my dispute, when in fact I had clearly listed both transactions in my initial report. 

I am requesting that Chase reinstate the provisional credit of {$99.00} and provide the details and evidence they used to determine that these transactions were authorized.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This isn't the first company attempting to reach out to me regarding a debt from the year of last payment XXXX. I was XXXX XXXX XXXX at the time and had no credit cards, nor was able to get any. I was however contacted and questioned in XXXX about a person who was arrested in another state who had credit cards in my name and others. This debt I believe was from that instance and these companies have been passing the debt around and harassing me daily via mail, calls, and text messages. I have informed the last company who attempted to reach out to me, and I believe they might have sold the debt off to another party and I wish to file this complaint.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (TX)

It was brought to my attention upon checking my credit report. There is an account owned by One Main Financial opened around XXXX owed a debt. I have no knowledge of this account and has been confirmed fraudulent. They have failed to respond to Debt Validation as well as a Debt Verification Request to confirm ownership. They have validated my rights protected under 15 USC 1681 privacy and confidentiality.

As well as 15 USC, ; Regarding accuracy.
Consumer complaint received 2024-09-04
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. (NV)

Yes these are inquiries that are unauthorized and I would like them to be deleted asap. Heres a list of the unauthorized inquiries And the date they were initiated thats currently reporting.I would like these to be deleted asap thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have mailed notices to the company on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition to " paid as agreed ''. 

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : This company is in clear violation of the law. Under 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I : give you written instructions to furnish this on my credit report? No Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW.
Consumer complaint received 2024-09-04
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX