davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (NJ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Credit Acceptance : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
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. (NC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPTED/XXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX Balance Owed : {$4200.00} ; DPT ED/XXXX  Balance Owed : {$9100.00} ; XXXX XXXX XXXXBalance Owed : {$19000.00}.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX in fraudulent and was opened by biological father before he disappeared. Disputes were never ran on account because they would have shown age issue as the account was opened when I was a XXXX XXXX XXXX. Company has refused to run accurate dispute even when provided information about dispute. Company has failed to investigate issue for what has been 7 years now. Company has ignored disputes for past 12 months. Attached is XXXX  showing yea XXXX XXXX  XXXX. Account was opened while XXXX XXXX XXXX XXXX Impossible for account to be accurate for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

i am writing to request an investigation of the following information that appers on chexsystems consumers report i have Never opened or use the following account open date XX/XX/2023 fedex employees account XXXX routeing XXXX my cousumer id XXXX please remove from chexsystems i dont recognize the following account in question im a victim of identity theft and i dont recognize this account on my report im requesting the following information be deleted from my chexsystem report immediatey i ve attached copy of the report to this request
Consumer complaint received 2024-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: U.S. BANCORP (FL)

Loan was originated by XXXX XXXX in XX/XX/XXXX, it had come to my attention that the loan was then purchased by US BANK HOME MORTGAGE I have sent multiple letters dated back in years XXXX, XXXX, " no answers given '' validating the requests. Most recent letters sent XX/XX/XXXX NOTICE AND DEMAND FOR FULL DISCLOSURE, XX/XX/XXXX ACTUAL NOTICE OF FAULT SECOND NOTICE, XX/XX/XXXX NOTICE OF ADEQUATE ASSURANCE OF DUE PERFORMANCE, XX/XX/XXXX, NOTICE AND DEMAND all letters were sent certified with returned receipts. They have in fact signed and received said documents. Pursuant to the Fair Debt Collection Practices Act 15 USC 1601-1692 which constitutes timely written notice that I dispute the entire amount of the alleged loan and that I decline to pay. US BANK HOME MORTGAGE has declined to answer any letters that I have sent. I am demanding that they provide me with all documents. According to 15 U.S.C. 1692 ( e ) states that a " false, deceptive, misleading representation in connection with the collection of any debt, '' includes the false representation of the character or legal status of any debt and further makes a threat to flag any action that can not legally be taken as a deceptive practice. I have also come to my attention of the alleged Borrower, after consulting with a CPA and researching the United States Code, the corresponding Code of Federal Regulations, the Uniform Commercial Code, and certain Federal Reserve Bank Publications, that there is reason to believe that the alleged Lender is not the Holder in Due Course of the Borrower 's loan agreement and or may have breached the agreement concerning the above - referenced, alleged loan or loan of credits. Failure of this company to answer my notices tells me that they have acknowledged that I have funded the alleged loan and the loan agreement was stolen and forged, thus ending any claim they have against me.
Consumer complaint received 2024-08-07
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. (IL)

At the end of XX/XX/year>, I went to try and co-sign on a student loan with my son. I was denied. My report stated serious delinquency, and with some research it was with XXXX. In XXXX of 2024 I received a letter from discover stating that we had a balance of {$440.00} that had not been paid. I did not make these purchases nor had I received a statement show this balance. When we called to inquire about this, a lady by the name of XXXX, advised us to to a pay off of the amount of {$300.00}. This was with the understanding that this would put us in good standing with both XXXX and the Credit Bureaus. In fact, it did not do either and as stated above it harmed our credit. When calling XXXX we were told to call the credit bureau because they would be able to take it off our report. When I called XXXX, XXXX, and experian they said it was up to XXXX. I would like someone to take charge and do what is right.
Consumer complaint received 2024-06-16
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)

My name is XXXX XXXX and i live in XXXX XXXX CA. After close review of my credit reports, I noticed that someone out of Illinois opened up an account with XXXX with my name. I am requesting that you investigate this situation that is seriously damaging my credit score and means to purchase a home. 
XXXXXXXX XXXX  XXXX XXXX {$270.00} ACCT : XXXX XXXX XXXX XXXX its on all XXXX of the major consumer reporters : it also shows late payments on a closed account
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
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)

I checked my credit report and found again that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Recently checking my credit report, I noticed that I've been a victim of identity theft and found XXXX  credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XX/XX/year>, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I noticed on my credit report a while back and I reached out to all three credit bureaus explaining that I had not authorized these inquiries that are on my report and I believe them to be fraudulent. They stated they could not remove them and they only stayed on my report for XXXX years and to contact the companies. I also contacted the companies and some sent letters back wanting me to mail in a lot of information I did not know about or how to obtain the information they wanted me to send in.
Consumer complaint received 2024-08-07
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

I was solicited by email, US mail, and via my online account for a promotional offer in which I would pay a fee in exchange for a 1.99 % interest rate until XXXX and/or 0.00 % interest until XXXX. This offer was presented in very large font, sent to me frequently, and sent via several methods. I had previously taken advantage of promotional offers of Chase and had decent experiences with same. 
However, as my statements reveal, Chase failed to fulfill its obligations to me. 
OFFER : Chase presented an offer [ 1.99 % /0.00 % interest until XXXX in exchange for a percentage of a particular amount of funds requested. 
ACCEPTANCE : I accepted Chase 's offer within the time prescribed in Chase 's offer, in amount permissible pursuant to my credit limit, and paid the applicable fees pursuant to the offer. 
BREACH : Chase failed to uphold its promise made in the offer ; Chase has improperly apply my payments to my account, whereby it breached the contract it provided. 
DAMAGES : Due to the breach of Chase, I incurred the following : {$460.00} [ fees paid in good faith acceptance of the offer made by Chase ] {$110.00} + interest which may appear on my next two statements [ improperly charged by Chase ] On XX/XX/XXXX, I spoke with " XXXX '' who presented herself as a manager. I have been a Chase customer for over 10 years. When I questioned the apportionment of my payment, she stated that payments are applied to the promotions with the lowest interest rates first. As you will see in the documents provided, this in NOT what happened with my account. 

I explained that I had JUST accepted the new promotions, my fees were paid, and had no concern for the fact that I JUST paid more than {$400.00} in fees for a promotional rate, and that Chase, that very month, applied my payments to those brand new promotion. She advised that there was no way for me to recover my fees. 

XXXX offered NO viable explanation and she failed to make any attempt to make this right. As result of Chase 's deceptive business practices and the callousness of Chase regarding this matter, I requested that my long term account be closed. 

Just last month I was charged a {$99.00} annual fee. In light of the above, I request that this amount also be reimbursed to me. 

In addition to the breach concerning the promotional offer made by Chase, their business practices are deceptive and the advertisements of their promotions misrepresent the material facts of its offer. These facts trigger the availability of additional damages to me, including legal fees. 

Please refer to the documents provided, which evidence Chase 's transactions and include additional information provided by me. 

Thank you for your assistance with this matter.
Consumer complaint received 2024-06-14
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account : Account Number : XXXX Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX Account : Account Number : XXXX Account Name : XXXX  XXXX Account : Account Number : XXXX Account Name : XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX Account : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX - XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX  XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-30
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. (FL)

On XX/XX/year>, consumer sent a Notice of Dispute as required per federal law ( 15 US CODE 1681g ) to Equifax requesting reinvestigation of several accounts due to inaccurate, incomplete, and/or unverifiable information being reported on several accounts listed on the consumers credit report. Under federal law ( 15 US CODE 1681i ), Equifax had thirty ( 30 ) days to complete their reinvestigation from the date they received my dispute. Credit reporting laws ensure that credit reporting agencies report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Attached are the letters that were sent in the initial dispute that now must be deleted from database. The information must be deleted from my report as soon as possible. Not only did Equifax not respond in a timely matter, but the information continues to be inaccurate and misleading and as such represents a very serious error in Equifax reporting. Once again, under federal law, Equifax had thirty ( 30 ) days to complete the reinvestigation from the date Equifax received the dispute. The initial dispute was sent via Certified Mail Tracking # XXXX and XXXX and both show delivered to Equifax on XX/XX/year>, well past the 30 days allowed by federal law.
Consumer complaint received 2019-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

In XXXX, I co-signed a {$8000.00} student loan for my daughter. Until this month ( XX/XX/XXXX ), I never received any kind of statement. I was surprised to see that they started charging fees in XXXX. Also, they have started calling me relentlessly, although my daughter pays them, but she is sometimes late. Now they act like I'm the sole contact. I feel harassed. I've paid only a few times to help my daughter out. But I requested a history of the loan last month. I feel the fees and interest are excessive. It seems the loan does not diminish and they call and say the loan is past due even when I've sent 2 payments. It's always " the account is past due ''. I believe they're being deceptive. How could I know if I did not receive statements as co-owner of this loan?
Consumer complaint received 2024-06-30
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Number : XXXX Dear Equifax, I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by Equifax, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that Equifax delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

( SEE ATTACHMENTS ) ... .Consumer Reporting Agencies XXXX XXXX XXXX XXXX XXXX. Equifax ) are unlawfully reporting inaccurate information and non-public personal information that is not only hindering my ability to extend my credit for personal, family, and household needs, but it has also caused mental anguish, defamation of character, and my overall ability to operate in commerce. I believe the consumer reporting agencies have not been meeting their reasonable procedures in a manner that is fair and equitable. I, XXXX : XXXX XXXX am an XXXX XXXX XXXX XXXX XXXX  I am the living beneficiary, executor, attorney-in-fact for the person/estate/cestui que trust XXXX XXXX. Pursuant to 15 USC 1681a ( 2 ) ( section 603 of the Fair Credit Reporting Act ) " report containing information solely as to transactions or experiences between the consumer and the person making the report '' and " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Per 15 USC 1602 ( i ) the definition of the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My social security card was the device/credit card used to obtain money, property, labor, or services on credit. Additionally the organizations/companies/financial institutions reporting these inaccuracies violated my privacy by disclosing my non-public personal information to non-affiliated third parties without giving me the full 'opt out " disclosures. This is a violation of 15 USC 6801 and 15 USC 6802. Furthermore, I filed a UCC-11 Search regarding any debts, liens owed to me the consumer ( I have attached a certified copy ) and there are no debts or liens placed on the consumer. This has led me to believe that companies and consumer reporting agencies are conspiring against me and attempting to extortionate me the consumer to collect or attempt to collect any extension of credit which is a violation of 18 USC 894.