davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (FL)

XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account Name : XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions.

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

What happened? 

On XX/XX/year>, IC Systems took ownership of a debt related to a XXXX  account in the amount of {$340.00}. On that same day, I submitted a formal debt validation request to IC Systems, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). However, despite my request, IC Systems has continued to contact me daily through various masked phone numbers based all over the country. 

Violations and Deceptive Practices : Failure to Validate Debt : IC Systems has failed to provide the requested validation for the debt, yet continues to pursue collection activities, in violation of the FDCPA. This debt is now disputed, and any further contact or negative reporting should cease until proper validation is provided. 

Harassing Communication : Since XX/XX/year>, IC Systems has contacted me daily, failing to identify themselves when calling, not leaving voicemail messages, and using dead air calls. Upon returning the calls, they identify themselves as IC Systems. This behavior is in violation of FDCPA 805 and the Telephone Consumer Protection Act ( TCPA ), which prohibit harassing communication practices by debt collectors. 

Actions Taken : XX/XX/year> : IC Systems took ownership of the XXXX account debt. 
XX/XX/year> : I submitted a formal debt validation request to IC Systems. 
XX/XX/year> - Present : IC Systems has continued to call me daily, failing to comply with the FDCPA and TCPA requirements regarding communication. 
Amounts Involved : Debt in question : {$340.00} Why it matters : IC Systems ' failure to validate the debt while continuing to harass me with daily phone calls violates both the FDCPA and TCPA. Additionally, the companys actions raise concerns regarding their compliance with federal laws regulating debt collection practices. 

Requested Resolution : Immediate cessation of all communication from IC Systems related to this debt, in accordance with FDCPA guidelines. 
Full validation of the debt, as required by FDCPA 809 ( b ), including proof of the original creditor, a breakdown of the amount owed, and evidence that IC Systems has the legal authority to collect on this debt. 
Forgiveness of the debt due to IC Systems violations of the FDCPA and TCPA.

Immediate removal of all negative information related to this debt from all major credit reporting agencies ( XXXX, XXXX, and XXXX ), in compliance with FCRA 611 ( a ), as this debt is disputed and IC Systems has failed to validate it. 
Next Steps : If IC Systems fails to comply with my requests, I will escalate this matter to additional regulatory bodies, including the Federal Trade Commission ( FTC ) and pursue further legal action under the FDCPA and TCPA. 

I expect a written confirmation within 30 days detailing the validation of the debt, removal of negative reporting, and cessation of further communication.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I have specifically asked my bank, US Bank on multiple occasions to not enroll me in any programs where overdraft coverages are allowed and then a fee is paid after an overdraft occurs. I did this when I opened my account in person, I did this again in person when I added an additional account holder. I have done this on numerous occasions since, over the phone with customer service representatives. I believe I have banked with them since XXXX. 
Recently I have noticed bank over draft fees coming out of my account but then being credited back and was under the assumption that it was some sort of auto debit and credit that just happened and then refunded, except this week multiple fees were not refunded back and I called my bank. I was informed that I had opted in to this service and that the fees were not to be refunded unless the bank had made an error. My partner is paid weekly by direct deposit so there is always a weekly deposit made in to the bank. I am paid bi weekly also by direct deposit so there are additional monthly deposits. I looked as far back as I could on my mobile app in to over draft fees and since the end of XX/XX/XXXX I have calculated over XXXX fees of {$36.00} that have not been credited back. 
I asked customer service representative to provide me proof of when I opted in to this service and they wont give it to me, I asked for a full accounting of overdraft fees paid to date & to speak to supervisors and was denied. I asked to speak to legal department and was denied. I was hung up on finally. 
I have never opted in to these protections in fact I have specifically asked that if there was not enough money in the account to cover a transaction that it be declined. I have reiterated this request on multiple occasions over the span of I believe 8 years and over and over again this will seem to be the case until they start sneaking them by on me in larger and larger numbers as they have done before in the past until I call and make a stink about it again. 
They keep saying I have opted in to this service but I have never not once done so knowingly in fact I have complained on numerous occasions and asked to have this service removed only to find out some months later that I have yet agian been re-enrolled in this service w/o my consent or knowledge.
Consumer complaint received 2023-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXX XXXX, TX XXXX is still only reflecting incorrectly on TRANSUNION AND NOT XXXX OR XXXX. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been 90 days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on Transunion and not on XXXX or XXXX.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My credit increased by {$1000.00} to {$2000.00} and not from {$2000.00} to {$1000.00} the opposite was reported causing my credit score to drop over XXXX points on XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted off company information ChexSystems. Please delete the following accounts : 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 2024-10-01
Product: Credit reporting 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)

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate 4. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
High Balance : Inaccurate Last Verified : Inaccurate Close Date : Inaccurate 5. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Date of Last Activity : Inaccurate Date Reported : Inaccurate Close Date : Inaccurate 6. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OR)

Hello, I am the customer of Chase Bank and Chase Credit Card. 
During my military service, I gave back the house that I lived for 1 year to the landlord. However, during that time I requested the new card shipping to that address and I'm sure that the mailed card delivered but not received by me. During Basic Combat Training, somebody was unauthorized using my card multiple time and processed multiple transaction without permission and I didn't know who was using the card. My Basic Combat Training was in XXXX XXXX, South Carolina ; During the training, all of the phones of the trainers was locked in the secured box and stored it in the secured commander room, and we were allowed to use our phone for XXXX mins to XXXX hours every Sunday. And the unauthorized charge was using XXXX XXXX and in person in XXXX, XXXX and XXXX. 

After graduated Basic Training to moving forward to XXXX, I was recognized that multiple unauthorized transaction was posted in my account, I filed a dispute. However, after a while, Chase contact me that the transaction was made in the same device ( they never tell me which device - just a " device '' in general ). I submitted my military order, the logs of military activity, the graduation certification that shows date, time, location of my training to proof that I was in military facility all of the time during the training without and leave request. 

I submitted multiple proof but Chase called and tell me that the proof was not strong enough to process the dispute. And I have all proof. Chase requested me to go to the store, ask for the receipt and from there they will continue to process the dispute. They are currently closed the dispute. I would like to file a complain because I read on reddit, there are so many people have the same problem and they instructed me try to file a claim on Consumer Financial Protection Bureau. I hope that can help me the amount for the dispute was about {$800.00}. 

Also, after I called Chase for the dispute they decrease my XXXX XXXX by XXXX even though I was using the card less than 30 % base on the report and never paying late. I think Chase was making an unfair decision that leads to negative affect to my life.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX, I received a notice from Chase Credit Card Services that my credit card rate was below market at 14.5 % and that my rate was being raised to 16.5 % effective XXXX 2017. I have never been late on the card and have been a loyal customer. I was informed by Chase that if I did not want to pay the 16.5 % I can close my account. I submitted a written request to Chase to cancel this amendment to my credit card rate and honor the 14.5 % rate they provided pursuant to my credit card agreement. All consumers are aware of the impact to your credit score when closing an account. This is an egregious practice in interest rate hikes to consumers and should be stopped. Chase provided no other option besides closing of the account.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am disputing an inaccurate late payment reported on my credit report for the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Creditor Name : XXXX Account XXXX Date of Reported Late Payment : XX/XX/year> Creditor Name : XXXX XXXX  Account XXXX Date of Reported Late Payment : XXXX, XXXX, XXXX, XXXX XXXX, XXXX Creditor name : XXXX Account XXXX Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless they send the required statement at least 21 days before the payment due date. I did not receive the statement in time, and my payment should not be marked late.

In addition to 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802 I request that you complied with this law Correct or remove the late payment from my credit report.

I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 

I trust that you will take this matter seriously and resolve it immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc. (NY)

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 

please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report.
Consumer complaint received 2024-10-25
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. (LA)

Less than 30 days ago, I received my first communication from XXXX XXXX XXXX regarding an alleged debt to XXXX XXXX, dating back to 2018. Despite the FCRA requirement of a 30-day period to dispute this debt, Experian allowed XXXX XXXX XXXX to report this debt on my credit file without providing me with the allotted time to dispute the claim.

The letter I received from XXXX XXXX XXXX stated that they were responding to a dispute I allegedly initiated, despite this being the first notification I received regarding this debt. There was no prior dispute initiated on my behalf because I was unaware of this debts existence until the recent letter.

The letter included account access information, which had just recently been created, allowing me to view the alleged debt online. This misleading correspondence from XXXX XXXX XXXX appears to misrepresent an initial notification of debt as a dispute response, a tactic that undermines my consumer rights and skews the dispute process.

FCRA Section 611 requires Experian, as a credit reporting agency, to ensure that all reported items are accurate and to honor the consumers right to a fair dispute process. By reporting this debt without the
30-day dispute window, Experian has failed to fulfill this legal duty.

FCRA Section 623 obliges credit reporting agencies to ensure furnishers of information ( such as XXXX XXXX XXXX ) only report verified and accurate data. Given the misrepresentation of an initial notification as a dispute response, Experian has allowed potentially misleading information to enter my credit report without confirmation, damaging my financial standing.

Experians disregard for due process has led to a decrease in my credit score, impacting my financial stability and creditworthiness. This improper reporting has resulted in tangible harm, preventing fair access to credit and damaging my financial reputation.

FCRA Section 611 : Requires credit reporting agencies to verify accuracy and uphold the consumers right to dispute within a 30-day window.

FCRA Section 623 : Mandates that information furnishers and credit reporting agencies only report verified and substantiated items.
Consumer complaint received 2024-10-25
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)

Re : Request for Blocking and Deletion of Accounts and Inquiries Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) Dear Sir/Madam, I am writing to formally notify you that I am a victim of identity theft and a data breach, which has resulted in fraudulent activity on my credit report. I request that you immediately block and permanently delete the following fraudulent accounts and inquiries from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX. XXXX XXXX XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX XXXX  XXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX - Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} Fraudulent Inquiries : XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX