davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I logged into my account and saw that someone took out {$800.00} from my Chase bank account. Once, I noticed that someone had taken {$800.00} dollars from my account I immediately locked my account and called Chase. I've been dealing with Chase for almost a couple of weeks for them to give me my money back, but Chase doesn't want to give me my money back. Chase claims that I took out the money but I did not even receive a text or an alert when someone took out the money from my bank account. I've been asking Chase to review the camera footage and see who took it but they don't want to. I need something done because it is unfair that Chase doesn't want to give me back my money after someone stole my card and took out the money from my account.
Consumer complaint received 2024-09-16
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. (FL)

Under the fair credit reporting act it is a violation of my rights to report late payments on my account 15 USC 1666b 15 USC 1681 S 602 and 15 USC 1681 S 604a please have these late payments removed in accordance with US law Account XXXX XXXX this account has been disputed and removed with the cfpb and other credit bureaus
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" 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 2024-09-16
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. (MI)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-25
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc. (CA)

XXXX XXXX creditor has me stressed out with such abuse of so many calls more than seven times within a seven-day period, to my personal phone, wife phone, work phone. I'm afraid to answer and get all the push talk to pay and they even reported my account late, and it has not been 30 days.

On my personal number from the month of XXXX first, I have had approximately 37 missed calls from this creditor they even called me before the due date, my wife 8 missed calls. And couple more on my work phone. 


Payment is due on the XXXX of every month ; I only missed XXXX payment and its only XXXX the XXXX. 

Last payment was XXXX the XXXX.
Consumer complaint received 2024-11-02
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. (SC)

I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.
Consumer complaint received 2024-08-02
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. (NC)

XXXX XXXX I was under the impression, that I could use XXXX  as a financial transfer agency ( sole purpose ) Of opening account. I did not receive a personal loan of {$710.00} from XXXX. XXXX  has forged my e-sign to apply for a personal loan in my LEGAL NAME, without my consent, after I called and instructed them that I did not consent to apply for any loan that I did not receive, and I instructed XXXX XXXX XXXX, to close the account and to cease any action that I did not give a written consent to. 

Your credit report doesn't include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also does not include your credit score. 
Your credit report is meant to provide a detailed record of how you handle debthow much of it you carry and how well you pay it off. It also includes personal identifying information that helps to verify that the information in the report is yours. 



XXXX  HAS VIOLATED FAIR CREDIT REPORTING ACT ALSO EXPERIAN HAS VIOLATED COMSUMER LAWS, BY REPORTING MY PERSONAL ACCOUNT BALANCES, and displaying my personal spending habits in a negative way. 
EXPERIAN SOLICITED, A PERFECT MATCH FOR ME TO APPLY FOR CREDIT CARDS AND THEN DENIED ME SO I FROZE MY CREDIT ACCOUNT. 

*INACCURATE REPORTING *INACCURATE PERSONAL INFORMATION *XXXX  AND EXPERIAN have reported closed accounts, as active personal lines of credit and as personal loans, I have not applied for any loans nor have I received any loan, card, or credit from EXPERIAN OR XXXX  .
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

We called the mortgage company in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and were told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. ( See attached ) On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XX/XX/XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these 2 lates have not been fixed. We have never been late on our mortgage. And the two lates were in deferment while we were waiting on their paperwork as per their instructions. We feel they need to be corrected.
Consumer complaint received 2024-07-11
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. ()

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2024-10-31
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. (PA)

THIS COMPANY IS REPORTING ON ME WHO ARE YOU I DONT KNOW THESE PEOPLE I DIDNT GIVE THEM PERMISSION TO REPORT IN MY NAME THEY ARE GIVING PEOPLE PERMISSION TO REPORT FALSELY ON ME. PLEASE GIVE ME SOMETHING SOLID IM BEING DENIED JUST NOT RIGHT BY LAW PLEASE INVESTIGATE... PLEASE REMOVE NEGATIVE REPORTING AND UPDATE.. I FILED A COMPLAINT REPORT TO THE FTC...
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (TX)

On XX/XX/XXXX, I submitted a debt validation request to Receivables Management Partners , LLC ( RMP ) regarding a debt related to services from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I requested that RMP provide the necessary documentation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for : The name and address of both the original and current creditor. 
A detailed breakdown of the debt, including any signed agreements or contracts related to the debt. 
Payment history and a clear explanation of how the amount claimed was calculated. 
Proof that the debt was assigned to RMP, including any documentation showing its transfer from the original creditor. 
Additionally, I requested that RMP cease all collection activities until the debt could be validated and ensure that the debt was not reported to any credit bureaus while the matter was in dispute. 

On XX/XX/XXXX, RMP responded by stating that the account had been flagged as disputed and that they had requested debt validation from their client, XXXX XXXX XXXX XXXX However, they failed to provide any supporting documentation to validate the debt within the legally mandated 30-day period under FDCPA 809 ( b ). 

Furthermore, RMP indicated that they requested the account be removed from the major credit bureaus but provided no proof or timeline for this. As of today, I have not received confirmation that this account has been removed from my credit report. Under FCRA 611 ( a ) ( 1 ), disputed debts should not remain on a consumers credit report while under dispute. 

I also requested that RMP explain the permissible purpose under which they accessed my credit report, as required under the Fair Credit Reporting Act ( FCRA ), but I have yet to receive any explanation or formal response on this matter. 

Dates and Actions Taken : XX/XX/XXXX : Submitted a formal debt validation request to RMP under the FDCPA. 
XX/XX/XXXXXXXX : RMP responded, acknowledging the dispute but failed to provide validation or proof of removal from credit reporting agencies. 
XX/XX/XXXX : Provided feedback on the companys response, noting the lack of validation and lack of action on removing the account from my credit report. 
What I Expect : I am requesting that RMP : Provide full debt validation, including a detailed breakdown of the debt and legal proof of assignment, within 30 days. 
Ensure the immediate removal of all negative information related to this debt from my credit report, as required by law. 
Provide a formal explanation for accessing my credit report without proper validation of the debt. 
Cease all further collection activities unless they can fully validate the debt. 
Failure to provide this documentation or failure to act in accordance with the FDCPA and FCRA will result in additional legal action and further complaints with the CFPB and Federal Trade Commission ( FTC ).
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-31
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)

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 credit 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 company information XXXX. Please delete the following accounts. XXXX bal. {$0.00}.
Consumer complaint received 2023-04-20
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. (IL)

Experian has been given the proper documentation to stop reporting and delete the negative information on my credit reporting. All three credit bureaus failed to provide the proper investigation in regards to this matter. Experian at one point had disabled my ability to submit a dispute complaint online against XXXX XXXX XXXX. Experian have no control over whats being reported and that I would have to reach out to the companies that is doing the reporting. I have reached out to both XXXX XXXX XXXX as well as XXXX XXXX. Both companies assured me that they were not reporting anything to the credit bureau. XXXX representative said they XXXX XXXX XXXX was telling a bold faced lie, and that they were reporting negative results on the back end. If the credit bureaus know the Information is falsely being reported, and I have provided them with the proper documentation why continue to report the information thats be requested to be deleted. They never reached out to XXXX XXXX to confirm any of my information. The only information that the credit bureaus are accepting verbally over the phone is what XXXX XXXX XXXX is telling them. XXXX XXXX XXXX sold my account with all my personal information to another third party company without my permission. XXXX XXXX XXXX doesnt want to provide me with any form of documentation to release me from their system. They flat out told me no. Thats not right. I have been denied housing and the ability to purchase a house. XXXX XXXX XXXX has been reporting erroneous information purposely since XXXX. The car was in a car crash and was considered a total lost. XXXX XXXX XXXX XXXX XXXX XXXX from an insurance claim XX/XX/XXXX. After receiving the payment from XXXX XXXX XXXX XXXX XXXX continues to report wrong and false information to the credit bureaus. If looked back over the years you can see all the errors that have been reported to all three credit bureaus has been wrong and inaccurate.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

" 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 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi, my name is XXXX XXXXXXXX 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 {$330.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed.

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-10-31
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. (FL)

this is a violation of the fair credit reporting act, willing-full non-compliance. experian verified the debt as accurate but did not provide me with the proof that the debt is mine. i requested this information with law 15 USC 1681 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (NY)

This is being reported illegally. I have the right to 100 % accurate reporting. Because of this company 's inaccurate reporting, my credit score is lower than it should be, and I am also being denied for loans. I have never had any dealings with, nor have I made any agreements with NCB for them to be reporting anything. They are breaking the law and need to furnish me with the agreement that was made with me.
Consumer complaint received 2024-10-31
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)

Dispute of Updated Account XXXX  ( # XXXX ) and REQUEST FOR Verification Method as per FCRA Section 611 I am filing this complaint regarding an unresolved dispute with XXXX ( partial account number # XXXX ), as reported on Experian report # XXXX dated XX/XX/year>. Despite an update to the account, several significant inaccuracies persist across all three major credit bureaus, specifically : Account Number : Variation in the reported account number.

Date Opened : Inconsistent reported dates.

H

igh Credit : Discrepancies in the high credit amount. Credit Limit : Inaccurate credit limit amount. Payment Status : Differences in reported days late. Last Reported Date : Inconsistent dates. Date Last Active : Inaccurate reported dates. Date of Last Payment : Variation in reported dates. These inaccuracies negatively affect my credit profile and may impact my financial stability. Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have requested a detailed description of the verification procedure used to confirm this information. I am entitled to : A complete description of the procedure used for verification, including the method employed. The contact information ( name, address, telephone number ) of each person contacted concerning this account. Copies of any documents bearing my signature that demonstrate my contractual obligation to pay the claimed amount, as per Section 609 ( a ) ( 1 ) of the FCRA. I am demanding a full reinvestigation of this account and details of the verification method, as required by Section 611 of the FCRA. Additionally, any response based solely on the automated E-OSCAR verification process will be considered insufficient. I have filed my complaint with the Federal Trade Commission ( FTC ), in accordance with the FCRA. FTC Report Number : XXXX regards XXXX XXXX