davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, 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. (PA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I have been with XXXX for XXXX years. I had been a loyal and excellent customers. My credit score of XXXX can prove that. 

I had my XXXX XXXX credit card, my XXXX XXXX credit card for XXXX years. I had my checking account, savings account, and my XXXX debit card from my checking account for about a year, around the same time when I started talking with XXXX financial expert about the possibility of using XXXX as my mortgage loaner. 

XX/XX/XXXX, without any alerts, XXXX suddenly made a decision to close ALL my mentioned accounts, without immediately notifying me by email or text or XXXX mobile app 's notification. Instead, they sent a snail mail to my address. 

XX/XX/XXXX, I got their email, text, app notification regarding this matter, without telling me when I will lose all my accounts. I was shocked. 

XX/XX/XXXX, I got their snail mail, notifying me that all my accounts would be closed on XX/XX/XXXX, and I will NOT be allowed to open any new accounts with XXXX in the future. 

I immediately called XXXX XXXX, even went to the closest XXXX branch, got the same answer over and over from multiple staff, that the decision was final, there was no channel for appeal. Based on their experience, even if I send a fax to their corporation, nobody will answer. Also, nobody could provide an answer or even theory about the reason. 

ALL the XXXX staff I talked with helped me look into my previous transactions, didn't find ANY red flags. All my recent transactions were grocery shopping near my home ( billing address ), and subway tickets near my home. There was ZERO alerts that notified me about any suspicious transactions. I proved myself clean over and over again, and I got absolutely no extra details or hope to fix the issue. 

XX/XX/XXXX, they closed all my accounts, and stated that they won't allow me to open any new accounts with them in the future.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I conditionally accept your offer upon proof of claim that JPMorgan Chase N.A.can provide the original charging instrument for the above mentioned accounts, pursuant to the UCC you must be the holder in due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument, I will gladly pay the remaining alleged balance. In addition, I conditionally accept your offer upon proof of claim, you provide the 1099-OID which shows who the repentant and issuer of the funds are because it is to my knowledge that I am the issuer of said funds.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit has been sending me these threating emails, and mail correspondence. I have attached them. I am having a financial hardship, and I send them what I have at moment in a money order for the last XXXX months, because I am having a financial hardship. I am actively being threatened to take me to court. I have attached everything below. I haven't received any normal notices, just notices threating to take me to court and this is a very newly charged off account. I am sending what I have. I cant do any better at the moment.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-03
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. (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 companies 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
Consumer complaint received 2024-10-03
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-03
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. (NY)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP (AL)

I am in the process of purchasing a home. My lender pulled my credit report and it is reporting late payment inquiries when this debt has been paid. I called security finance to request the information be corrected because I paid the debt on XX/XX/XXXX in the amount of XXXX. They told me that they could not do this. I also requested a letter of proof that the debt was paid in full and satisfied. They told me they could not provide this as well. It is delaying the process and causing a negative impact on my credit. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (CA)

This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be corrected is : XXXX XXXXXXXX
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

The notification message from Wells Fargo informed me that the three transactions had been declined and the merchant had not withdrawn the funds from my checking account. 
But my checking account was actually charged by the merchant for these three transactions that I did not authorize. 

Wells Fargo provided me with false transaction information, which resulted in the theft of funds from my checking account.. 
Wells Fargo did not protect my bank account from being compromised, refused to process the incident for me, and closed my checking account without authorization. Caused me serious losses. 

Please ask Wells Fargo to compensate me for these three charges as well as the loss cost of closing the account.
Consumer complaint received 2024-10-28
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 (NC)

Dispute of Negative Accounts Request for Deletion for Non-Compliance and Inaccuracies Name on Report : XXXX XXXX Social Security Number ( Last XXXX Digits ) : XXXX Dear Sir or Madam, I am writing to formally dispute the negative accounts reported on my credit report by XXXX XXXX XXXX, Jefferson Capital, and XXXX XXXX XXXX. These accounts are inaccurately reported, and I am requesting their immediate deletion from my credit report due to their failure to meet compliance standards as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Please find the accounts in question below : XXXX XXXX XXXX XXXX : {$720.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX Jefferson Capital Balance : {$540.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : Jefferson Capital XXXX XXXX XXXX Balance : {$460.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX These entries are damaging my credit report and, upon review, may contain inaccuracies or reporting issues inconsistent with the XXXX XXXX  compliance standards. I request that each of these accounts be thoroughly investigated, verified, and, if non-compliant or unverifiable, immediately removed from my credit file. 

Actions Requested : Verification of Compliance : Confirm that all aspects of these accounts are fully compliant with XXXX XXXX standards, including the reporting of balance, status, dates, and creditor information. 
Deletion of Unverifiable Accounts : If these accounts can not be verified as accurate or compliant with all applicable standards, I request their immediate deletion from my credit report.

Written Confirmation : Please provide written confirmation that these items have been investigated and, if appropriate, removed from my credit report.

In compliance with 15 U.S.C. 1681i, I request that you complete this investigation within the legally required 30-day timeframe and provide me with an updated copy of my credit report showing these corrections.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution and verification of these corrections. 

Sincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I requested XXXX money transfers from external bank account to my Bank of America checking account on XX/XX/XXXX, totaling {$2000.00}, {$750.00}, and {$670.00}. The bank confirmed my transfer requests via three emails and stated that the transfers would take three business days. However, I did not receive the funds by the expected date of XX/XX/XXXX. As a result, I was unable to make a timely payment on my XXXX XXXX credit card, which was also due on XX/XX/XXXX. This led to a late interest fee of {$140.00} due to the missed deadline. I have attempted to contact Bank of America XXXX times, but each time I was directed to a robocall and then automatically disconnected.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXXXXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance with a debt collection issue related to Midland Credit Management ( Account Number : XXXX ). I am a victim of identity theft, and this debt was fraudulently incurred without my knowledge or authorization. 

Pursuant to Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), I am requesting that Midland Credit Management cease all communication with me concerning this account. I am also requesting that the collection item related to this account be removed from my credit report, as I am not responsible for this debt due to the identity theft incident. 

I have already taken steps to protect my identity by filing an identity theft report and notifying the relevant credit reporting agencies. Despite these measures, Midland Credit Management has continued to pursue collection activity and has reported this fraudulent account on my credit report, which negatively impacts my creditworthiness. 


Thank you for your assistance in resolving this matter and for your commitment to consumer protection. I look forward to your prompt response and the removal of this fraudulent collection from my credit record.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Hi I am a XXXX mom trying to make life work and to see all the fraud happening to us Americans is disgusting. Im here to take a stand and I wont go down without fight. 
XXXX. 
These fake bureaus. ( XXXX, XXXX and Equifax ) have too much misinformation about me online for public consumption. 

My info has been leaked. 
The person who made the report I had no dealings with. 
A lot of the info is WRONG or has inacuracies that dont line up starting with : my birthdate, Address, credit score, employment, XXXX XXXX closed, derogatory, collections, ( BALANCE DIFFERENCES BETWEEN EACH Bureau {$11000.00}, XXXX, XXXX??? ) XXXX. 
XXXX ( XXXX XXXX specifically ) for having a breach and my social being stolen XXXX. 
XXXX bank credit card says terminated and inactive which is not true. 
XXXX. 
XXXX XXXXXXXX XXXX  I am suing because they did contract fraud and sold out my social. Obtained securities XXXX on my behalf. Then SOLD MY DEBT WHICH IS ILLEGAL. 
XXXX. 
I c system ( original was XXXX XXXX XXXX ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf.. 
XXXX. 
XXXX and XXXX ( XXXX was XXXX  ) THEY SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. They obtained securities on my behalf. 
XXXX. 
XXXX ( original creditor is XXXX ) I have a billing error they wouldnt honor. 
THEY THEN SOLD MY DEBT WHICH IS ILLEGAL. They obtained securities on my behalf. 

XXXX. 
XXXX  ( original creditor XXXX XXXX XXXX ) They failed to provide services to my child. 
THEN SOLD MY DEBT TO A COLLECTOR WHICH IS ILLEGAL. 
XXXX. 
XXXXXXXX XXXX XXXX original creditor XXXXXXXX XXXX XXXX  ) I needed dental attention and got it with my securites. They sold my debt WHICH IS ILLEGAL. 

I wish for my privacy to be just that. 
Transaction history is not only illegal but the inaccuracy on my report is childish. And every single piece of it is XXXX.
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (IL)

Shellpoint annually requests a copy of the condo buildings insurance. Following their instructions I uploaded a copy of the condo building insurance policy on XX/XX/XXXX. I did so again on XX/XX/XXXX after receiving written notice they have not received a copy of the buildings insurance. 

On XX/XX/XXXX I received written correspondence that they have purchased insurance for the condo building on my behalf for {$6300.00}. 

In XXXX Shellpoint did this same exact thing to me and I had to file a complaint with CFPB to get the issue resolved. This seems like mortgage servicer fraud to me so they can make additional profits selling insurance. 

I've included a screen shot from when I uploaded the insurance policy on XX/XX/XXXX in the additional documents section.