davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I don't understand how Experian continues to report this fraudulent account on my credit report. The other credit bureaus such as XXXX and XXXX conducted investigations and removed this account since I am a victim of identity theft fraud. 

The following fraudulent account must be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ) *The following account is the result of identity theft. 

*Account name : XXXX XXXX XXXX XXXX XXXX *This account does not belong to me. I have never had any commercial relationship with XXXX XXXX. 

*I am concerned about how this account could be associated with my name and Social Security number. I did not authorize the opening of this account or permit any third parties to conduct transactions in my name. 

*This account was created through identity theft and was opened without my knowledge or authorization. 

*Pursuant to Section 605B of the Fair Credit Reporting Act, I request that this account be immediately removed and blocked from my credit report, and that notifications be sent to all furnishers of this information as required by law.

*Additionally, there is a duplicate entry of this fraudulent account on my credit report. This must be corrected promptly to ensure accuracy and compliance with my rights under the FCRA.

*Notice of Potential Penalties for Non-Compliance *Under the Fair Credit Reporting Act, credit bureaus are required to investigate and correct errors, especially in cases of identity theft. If a credit bureau fails to fulfill its duties, the following penalties may apply : *Statutory Damages : Consumers are entitled to seek statutory damages, which can range from {$100.00} to {$1000.00} per violation.

*Actual Damages : If the error results in harm, such as higher interest rates, loan denials, or emotional distress, I am entitled to seek compensation for actual damages.

*Punitive Damages : In cases of willful non-compliance, punitive damages may be awarded as a deterrent.

*Attorney 's Fees and Costs : The FCRA provides for the recovery of attorney 's fees and costs if legal action is taken.

*Failure to address this issue promptly and accurately may subject the bureau to these penalties. I expect immediate compliance with the FCRA requirements to correct and permanently block this fraudulent account from my credit file. 

*Request for Verification Procedures *In addition, I request a detailed explanation of the procedures that XXXX has XXXX to verify this account information, as required under the Fair Credit Reporting Act. This information is essential to understand how this error was made and to prevent future occurrences.
Consumer complaint received 2024-11-01
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. (CO)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
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: AMERICAN EXPRESS COMPANY (FL)

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below and to request its immediate removal from my credit reports. The account in question is with American Express ( AMEX ) and is being reported by the three major credit bureaus as follows : Account Number : XXXX Credit Reporting Agencies XXXX XXXX XXXX XXXX, XXXX Grounds for Dispute Upon reviewing my credit report, I identified several errors and violations of the Fair Credit Reporting Act ( FCRA ) that substantiate my request for removal : Inconsistent Reporting : The " High Credit '' amount is reported inconsistently across the bureaus, with XXXX showing {$1400.00}, XXXX showing {$0.00}, and XXXX showing {$1000.00}. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum accuracy in reporting. 
Missing Information : The " Account Type - Detail '' for XXXX is missing, indicating a lack of thoroughness in reporting. All bureaus must provide complete and accurate information. 
Incorrect Account Status : The account is reported as " Collection/Chargeoff '' with a balance of {$1400.00}, but if this account has been settled or closed, this indicates an inaccurate reporting that violates 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Discrepancies in Payment Information : The " Date of Last Payment '' is inconsistently reported across the bureaus, with some entries missing. This lack of uniformity violates the FCRA 's requirements for accurate information. 
Potentially Misleading Comments : Comments like " Charged off as bad debt '' and " Canceled by credit grantor '' are misleading without context and may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits misleading information.
Consumer complaint received 2024-11-01
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)

I am disputing an inaccurate late payment reported on my XXXX loan account Account XXXX # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Experian requesting removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ) specifically Section 605 ( b ) which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with JPMCB for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report. 

Thanks, XXXX XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Account number : ending in XXXX XXXX Last XXXX : XXXX Re : Complaint Discover has asked me to complete an additional verification with the IRS to verify my identity and my tax status. This is done with Discover obtaining my tax returns for the past two years. As I just came to the United States, I had no previous tax returns. So I called and they have sent me an enhanced notary verification form. They explicitly told me and as stated on the form itself and the email I have received, that I have to complete it with a bank I have an account with. So I went to several branches in my area but none of them offered notarizations. Only after driving XXXX miles down to XXXX, I finally got someone to notarize it. However, days after submitting it ( I even attached my driver license ), I was told that it is not enough and I should do it again. That's what I did. After driving around for another day, I found another branch in XXXX XXXX willing to notarize the form for me. However, the bank manager/notary XXXX XXXX XXXX XXXX XXXX XXXX ) from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has pointed out that there are several fields he is not allowed to complete. This is the same thing I was told while completing the first form in the XXXX branch. So far so good, he put a note on it, I got it notarized and it was rejected again. 

The lady on the phone then told me that the form is 'incomplete ' and that I can alternatively go to a XXXX XXXX to notarize it. How am I supposed to know this?! 
Everywhere on the form, and in the email I have received, it was stated that a bank where i have an account has to verify the statements. And that's exactly what I did! 

In addition to that, the lady on the phone told me that my account is gon na be closed. 
This would cause great harm to my credit report and could have long-term consequences for me. I signed up for the Discover card because I'm a XXXX  who's new to the XXXX wanting to build some credit and bridging some financial hardships I have experienced over the past months. 

To these two notary forms, I even added letters to describe my situation. EVERYTHING was rejected. This is unfair and unacceptable, plain and simple.

I have been to two different banks, I had to check out multiple branches in my area to find one who's willing to notarize this documents. And it's still not enough and my account is being closed. This is not even my fault. I demand this to be rectified.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TX)

We applied for {$3000.00} loan about XX/XX/year> and been paying about XXXX a month we are being charged excessive interest to the point where there's no end in sight or impossible to pay i believe we have paid like XXXX times over for a car that not worth nowhere near XXXX $ it's just not fair we need help ASAP very stressful
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I was mugged outside of a Citibank in XXXX XXXX XXXX, screenshot should have correct zipcode of original citibank address before the building was relocated. I closed that account and opened a new one by myself, no authorized users. All deposits into the account are fine there should be no withdrawals from the account unless a verification is completed, after the mugging and identity theft, Citibank personnel would know that. I attempted a withdrawal to a XXXX acct recently and was advised it would go to through. Instead, it was reversed and I am concerned it was sent as a paper check to someone, fraudulently.
Consumer complaint received 2023-05-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Si
nce you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which governs how Credit Reporting Agencies ( CRAs ) access and use consumer credit reports. The FCRA 's purpose is to promote fairness, accuracy, and privacy of consumer information.

My personal information is incorrect and compromised. I do not live in any two of the personal addresses they have. They say its accurate and its not at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

The XXXX of XX/XX/year> I made a purchase with my CAPITAL ONE QUICK SILVER CREDIT CARD FROM XXXX XXXX ON LINE SALES, I PURCHASED AN XXXX XXXX XXXX # XXXX PH # or ACCT # ( XXXX ) XXXX, I PAID FULL AMOUNT COST OF PHONE AND ACTIVATION CHARGES XXXX AND WAS CHARGED TO MY CREDIT CARD # XXXX. So I called CAPITAL ONE AND TOLD THEM THAT I DONT WANT TO PAY WITH MY CREDIT CARD A MONTHLY PHONE BILL of XXXX $ WITH XXXX XXXX BEING CHARGED TO MY CREDIT CARD AND CAPITAL ONE SENT A NEW CREDIT CARD ENDING IN XXXX SO COME XX/XX/year>XXXX XXXX XXXXE CHARGES XXXX $ TO THE NEW CREDIT CARD ENDING IN XXXX. SO I CONTACTED CAPITAL ONE TELLING THEM THAT THEY ALLOWED XXXX XXXX TO CHARGE MY NEW CREDIT CARD FOR XXXX $ AND I HAVENT BEEN USE THE ( XXXX ) XXXX ABSOLUTELY NO ACTIVITY ON THAT BILL PERIOD NO USAGE OF THE PHONE NO PHONE CALLS MADE FOR THE MONTH OF XXXX FROM THE DATE OF PURCHASE OR ACTIVATION AND I CONTACT XXXX XXXX XXXXXX/XX/year> at XXXX asking for a REFUND TO MY CREDIT CARD AND XXXX XXXX REFUSED TO.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (SC)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (MI)

XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to address a matter concerning the alleged debt that XXXX XXXX  XXXX XXXX claims I owe {$6800.00}. It has come to my attention that your firm is pursuing legal action against me regarding this debt. 

I would like to formally state that I have not received a debt validation letter from your office. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive written verification of any debt within five days of your initial communication with me. The absence of this validation letter constitutes a violation of the FDCPA and raises serious concerns about the legitimacy of your claims. 

I request that XXXX XXXX  XXXX XXXX provide proper documentation validating the debt in question. Until I receive this information, I will consider this matter unresolved and urge you to cease any legal actions against me. 

I believe in the importance of fair and transparent communication, and I hope we can resolve this situation amicably. Please respond to this letter at your earliest convenience, providing the necessary validation for the alleged debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX