davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice Regarding Unauthorized Access to Credit Information for ACCOUNT # XXXX Dear XXXX XXXX XXXX XXXX XXXX am writing to formally notify you that I did not provide consent for your company to obtain my credit information. Your actions constitute a violation of my privacy rights and XXXX also be indicative of identity theft. 

Please be advised that I demand you cease all actions related to this unauthorized access immediately. I require that you take the following steps : XXXX. **Cease all collection activities** associated with my name and personal information. 
XXXX. **Provide written confirmation** that you have ceased all actions and will refrain from accessing my credit information in the future. 
XXXX. **Investigate and rectify any potential misuse** of my personal information within your records. 

I am keeping a record of this correspondence and may pursue further action if this issue is not resolved promptly. I expect a written response within XXXX  days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Urgent : Request for Correction of Errors and Inaccuracies on Credit Report Dear XXXX, Experian, XXXX, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary. 

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue. 

Sincerely,
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am disputing the accuracy of the XXXX XXXX XXXX account, as reported on my credit file. My review has identified significant compliance issues that fail to meet Metro 2 standards. Due to the ongoing inconsistencies in reporting, I am formally requesting the immediate deletion of this account from my credit report. 1. Inconsistent Payment Status : XXXX reports the account status as Not more than three payments past due, XXXX as 60 days past due, and Experian as Account delinquent 60 days past due. The inconsistent reporting of the payment status across the bureaus is a blatant violation of Metro 2 standards, which mandate uniform reporting. If XXXX XXXX XXXX can not rectify this inconsistency across all bureaus, I demand the account be deleted. 2. Conflicting Worst Delinquency : XXXX lists the worst delinquency as 30 days past due, XXXX as 60 days past due, and Experian shows 60 days delinquent. Such conflicting information is a failure to comply with data consistency requirements, rendering this account unverifiable. If a standard delinquency can not be provided, this account should be removed. XXXX. Erratic Last Activity Dates : The last activity date varies significantly, with XXXX listing it as XX/XX/year>, XXXX as XX/XX/year>, and no date reported for Experian. This inconsistency violates the requirement for accurate, consistent reporting, and if not corrected, the account should be deleted from my report. 4. Irregular 2-Year Payment History : The payment history reflects 30 and 60-day late payments inconsistently across bureaus, with various months marked differently. The lack of uniformity in reporting payment history further violates Metro 2 standards and raises questions about the datas reliability. If XXXX XXXX XXXX can not align this payment history accurately, I request this account be removed. 5. Inconsistent Reporting of Derogatory Events : Each bureau displays different derogatory events, with XXXX showing 30-day lates in XX/XX/year>, XXXX showing a 60-day late for XX/XX/year>, and Experian showing various derogatory statuses. This inconsistent reporting violates Metro 2 standards and calls into question the accuracy of the entire account.
Consumer complaint received 2023-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Per the new Navient Bankruptcy Settlement, Navient must refund any funds collected post XXXX XXXX  on Private Student Loans. 

The " Private student Loans '' were included and you received notice for the meeting of the Creditors back in XXXX. 

The 2 Private Loans were Predatory. The loan amount for a non-certified degree for which I was misled by the school, Amounted to XXXX ( variable interest pd {$6500.00} ) and XXXX ( variable interest pd $ {$13000.00} ) respectively. The cost of the loans was {$14000.00} of which almost XXXX was refunded to the school. The total cost you billed me post XXXX XXXX  was $ ( XXXX + [ accrued interest - ( XXXX ) = XXXX ( accrued interest fees ) ] TOTAL = {$33.00}, XXXX more than double the amount initially borrowed. Furthermore, NO fees should have been collected post my XXXX XXXX Discharge as I was still recovering from my double mastectomy where I had to have about XXXX XXXX due to them finding more XXXX after initial XXXX possibly due to all the stress you were causing me that affected my health negatively. 


I ended up paying almost the interest as mentioned was exorbitant. 
The magistrate knew this was a hardship as I had recently recovered from XXXX XXXX XXXX starting XXXX and ending in XXXX. I had numerous medical bills that were not covered/authorized by my insurance and this is why I had to file for XXXX XXXX.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

PORTFOLIO RECOVERY continues to report inaccurate and false information to the credit bureaus despite multiple attempts to get them to stop. My rights under the FCRA are being violated as they continue to report inaccurate information. As a company that reports to the credit bureaus, they are required to adhere to a transparent and verifiable validation process that aligns with the stringent XXXX XXXX formatting standards. Any divergence or disregard from these protocols raises serious doubts about the precision and lawfulness of the information being disclosed. I request that they eliminate or rectify any verified details linked to the below mentioned allegations from their records, and expeditiously resolve this matter by removing this item from my credit report. I have outlined all of the violations and inaccuracies that they are reporting on my credit report. Some of the information that is being reported across the different credit bureaus does not even match, so how can that be confirmed as accurate when they are reporting information about the same account to multiple credit reporting agencies, and the information does not match and if different at each bureau, such as Account Status, Date Opened, Last Reported, and Date Last Active. Please see the attached report. At this point, the accuracy of what they are reporting can not be ensured due to the multiple discrepancies. This account needs to be deleted as it violates the FCRA and my rights to an accurate credit report.
Consumer complaint received 2024-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Self Financial Inc. (GA)

I have two loans opened. Ive noticed on my credit I went to my XXXX. I noticed them I called my credit, bro. I had them dispute it. They told me to contact you guys on on XX/XX/XXXX thats when the first loan was open for XXXX through XXXX second loan was open on XX/XX/year> for XXXX through the company sbnaselflndr
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/year>XXXX XXXX NAME : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report By the provision XXXX of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-26
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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( account number : XXXX )
Consumer complaint received 2024-10-26
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. (TX)

Consumer requests Methods of Verification from all three CRA Under FCRA from XXXX XXXX  payment history and all documents submitted within 15 days by mail or email. Consumer has requested documentation from original creditor and CRA both companies violated FCRA if not noncompliance under section FCRA B 616.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

On XX/XX/XXXX I reviewed my credit report and noticed adverse items being reported by Jefferson Capital System for an alleged debt in the amounts of {$1000.00} and {$8400.00}. As of XX/XX/XXXX, Jefferson Capital System been notified at the address specified in Exhibit ( A ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies.

Jefferson Capital System never notified me prior to furnishing the alleged debt or ANY correspondence/communication in regards to the alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Jefferson Capital System must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until Jefferson Capital System sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and Jefferson Capital System has strict liability and must comply with all statutes and regulations set forth. Jefferson Capital System as failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, Jefferson Capital System shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) - Proof of Claim
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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: CL Holdings LLC (FL)

XXXX  responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. XXXX, Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for XXXX to verify in collection accouunt information Jefferson Capital System they are reporting on my credit report and they have failed to do so. It has been over 45 days for XXXX to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NC)

Reason : Unjustified Denial of Fund Transfers to Verified External Accounts Urgent Assistance Needed I am filing a complaint against Chase Bank for denying my attempts to transfer funds to external accounts I own at other U.S. banking institutions. Despite complying with their verification protocols multiple times, my transfer requests have been denied three times, leaving me unable to access my own funds. I am currently facing a time-sensitive financial obligation for the down payment on a property, and this obstruction places my {$15000.00} deposit at risk. 

Complaint Details : 1. Unreasonable Denial of Transfer Requests : Chase has rejected my requests to move funds from my account to external accounts under my name at other U.S. banks. Each of these accounts has been linked and verified through their ACH transaction verification process, wherein I received and confirmed small deposit transactions sent by Chase. 

2. Verification Compliance : I have fully complied with all identification and verification procedures, including providing documentation, confirming my identity, and validating each linked account. Despite following their own protocols, my funds continue to be held without justification or clarification on how to resolve the issue. 

3. Risk of Financial Harm Due to Restricted Access to Funds : This restriction on my account has placed me in a financially precarious position. I urgently need these funds for a down payment on a property, and the inability to access my money could result in the forfeiture of my {$15000.00} deposit, potentially causing substantial financial harm. 

4. Failure to Provide Reasonable Explanation or Alternative Resolution : I have engaged with Chase 's customer service and fraud departments on multiple occasions, only to be told that my requests can not be processed despite having verified my accounts as required. No clear reason has been provided, nor have any alternative options been offered to enable access to my funds. 

Key Legal Concerns : 1. Right to Access Personal Funds : As a verified account holder, I have the legal right to access my funds and transfer them to external accounts that I own, as long as I have followed the bank 's verification procedures. 

2. Unjust Restriction of Funds : The continued denial of transfer requests despite verification implies an unjustifiable restriction of my funds, effectively holding my money " hostage. '' 3. Consumer Harm and Potential Financial Loss : The bank 's failure to provide access to my funds places me at imminent risk of financial harm, potentially costing me a {$15000.00} deposit.
Consumer complaint received 2024-10-26
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. (OH)

The following accounts I have disputed on Experian ; they are still showing under dispute and we well beyond 30 days it's been in " under dispute '' status for months. I can't add any information or check the status because they have left the dispute with no resolution. these accounts are in direct violation of According to 15USC 1681EB you are supposed to assume maximum possible accuracy. This account is not accurate according to the fair credit reporting act. Delete account immediately for violating 15USC 1681EB The below accounts need to be removed due to Experian not taking care of my dispute for this long. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX  Balance {$570.00} Status Collection account. {$570.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. 

XXXX XXXXXXXX XXXX Under dispute Date opened XX/XX/XXXX Balance Status NO STATUS
Consumer complaint received 2024-10-26
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.