davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (NY)

Despite the multiple previous written requests, the unverified item 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 this item is being reported correctly? Who verified this item? 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 item 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 THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

I am having a problem with my  Chase  Credit Card. Back in   XXXX   XXXX   I started getting charges on my  Chase Freedom Visa  credit card. The amount was for {$9.00} from "  XXXX   XXXX   XXXX  ''. I have been getting these charges all the way through   XXXX   XXXX   despite contacting  Chase   three  times. This company is  one  that I made a legitimate software purchase on   XXXX   XXXX   XXXX  . Apparently they decided to use my credit card info they had on file to fraudulently charge me {$9.00} per month forever. I never authorized this. I have spoken with  Chase  Credit Card services  three  times. The first time they said I would be reimbursed for all charges from My Choice Software and I was asked if I wanted to block all future charges and I said yes. I never received credit and called a second time, I was reassured my credit was coming. I got the credit but the first 3 months were not credited (  XXXX ,  XXXX ,  XXXX   ).  I got credit for  (   XXXX ,  XXXX ,  XXXX ,  XXXX  ) on the  XXXX  statement. When I called to ask about the first  three  months, I was told they were from too long ago. https : //www.chase.com/digital/fraud-security? wcmmode=disabled is Chase 's statement on  fraud  protection. There is no time limit listed on this page and I was first told I would receive credit for all charges. What 's even worse is they are still accepting charges from  XXXX   XXXX   XXXX . I have received new {$9.00} charges in  XXXX ,  XXXX ,  XXXX . I do n't know what to do to stop this.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-18
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. (IL)

In regards to XXXX this is yet again another fradulent statement provided by XXXX in an attempt to coverup their now illegal and criminal acts. 

How much longer is the CFPB going to allow them to stay in business??? 

Keep in mind not only a harm to consumers but also tax evasion. Tax evasion since XXXX originally did not report XX/XX/XXXX and XX/XX/XXXX payment and then charged off this account twice!!!! Another federal non-compliance. 

So, over a $ XXXX tax break in addition to not reporting over $ XXXX in revenue from not updating the balances!!! 

************Violation of FCRA 607, 623, and 609********* FCRA violation is clear since they have reported false information to all three credit agencies for over 1 1/2 years.

Knowingly reported incorrect information to the credit agencies.

This is just another false statement reported to now a federal agency!!! Evidence is beyond a reasonable doubt!! 

Also, please review complaint XXXX from XXXX of XXXX. 

Company 's Response In the case of XXXX XXXX, Complaint Number : XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the repossession of the vehicle. XXXX XXXX and XXXX XXXX purchased a XXXX XXXX XXXX on XX/XX/XXXX from a franchise owned XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The vehicle was covered by a 36-month,36,000 mile service contract, whichever occurs first. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. All required repossession notices were sent to XXXX XXXX and XXXX XXXX. Additionally, XXXX has written policies and procedures that govern the repossession process to ensure that every repossession adheres to federal and state regulations. At XXXX we strive for the highest level of satisfaction for every customer. While we sympathize with XXXX XXXX predicament, she did default on her retail contract. The franchise owned XXXX gave XXXX XXXX the opportunity to redeem her vehicle. In addition, XXXX XXXX was advised that once she reclaimed, the vehicle would be evaluated and any eligible repairs would be processed through the remaining service agreement. XXXX XXXX did not reclaim her vehicle and the vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$11000.00}. The account was reported as a chargeoff on XX/XX/XXXX. 

XXXX wrote this response as if it was the CFPB wrote it. This is what the XXXX  XXXX relied on when closing out my complaint. Yet again another fraudulent misrepresentation!!!
Consumer complaint received 2024-10-08
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)

I recently reviewed my consumer report and observed an erroneous account on my Experian file. The derogatory account in question is XXXX XXXX XXXX, which is displaying a repossession showing a balance of {$41000.00}. This account in question does not belong to me and should not be reporting on my consumer report. Further investigation revealed that this account belonged to a corporation and therefore it should not be reporting on my consumer report. Moreover, there was not a personal guarantee associated with this account and I was not properly notified of it being reported to my personal consumer report. This is a violation of 15 USC 1681.
Consumer complaint received 2024-10-07
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. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-29
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. (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 this 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 item 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
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On my credit report there is incorrect address information listed as I never lived at any of these addresses. The incorrect addresses listed on my credit bureau are listed below : XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida XXXX and XXXX XXXX XXXX XXXX Florida XXXX
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)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 
15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX
Consumer complaint received 2024-10-29
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. (GA)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount XXXX : XXXX Account Name : SLOAN/NELNET Account Number : XXXX and list of Inquiries 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 2023-08-10
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
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. (WA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report 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 ( A ) ( 1 ) states : 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 2024-11-01
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. (CA)

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 2024-11-01
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. (IL)

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/XXXXXX/XX/2024, I was in training with my supervisor at XXXX XXXX until Lunch @ XXXX. At XXXX I received a survey from CHIME that said How'd we do? I hadn't spoken to any with CHIME for any customer support this prompted me to immediately logged into my account which is protected by face recognition at which time I seen a transaction for {$1200.00} sent to XXXX XXXX for payment dispute/refund authorization. This was done from the pay anyone transfer. I didn't authorize this transfer, nor do I know anyone named XXXX XXXX. I contacted CHIME at XXXX and spoke with a representative and filed a dispute. They said it would take up to 45 days. I went into my CHIME account this morning and the dispute was denied. I contacted CHIME again ask to speak to a supervisor ( XXXX ) and requested them to send me the documents they used in deciding to deny my dispute. I explained to XXXX that I received a survey from CHIME prior to my money being taken and I took a screenshot of survey. She then asks if I was told to send any documents by the previous customer service representative and I informed her that they only provided a reference number for my dispute. XXXX then provided a link for me to send the survey, and I also sent my phone log showing that the survey was sent to me before I even reached out to them regarding the monies that was transferred out of my account. I'm now waiting for the rebuttal response.
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-09-29
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Inquiries To Whom It May Concern, I am writing to formally request the immediate removal of unauthorized inquiries from my credit report, as listed under my Equifax file. These inquiries are damaging my credit score and do not reflect my financial behavior. 

Upon reviewing my credit report, I found several inquiries that I did not authorize. These inquiries are inaccurate and should be removed promptly, as they are violating the Fair Credit Reporting Act 605b and 15 usc 1681. I expect your cooperation in rectifying this matter without delay. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please provide written confirmation that these inquiries have been removed from my credit file. I expect this to be resolved within the statutory timeframe. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX