davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (FL)

I am disputing account listed under the name XXXX XXXX XXXX on my consumer reports. This dispute pertains to an account which I have no knowledge of, nor have I ever held a card or any form of credit with this entity. My prior disputes with XXXX, XXXX, and Experian have failed to resolve this matter, and I am now seeking your assistance under relevant consumer protection laws. 
I have no knowledge of any account with XXXX XXXXXXXX XXXX and have never applied for or used any such credit. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. I have repeatedly requested verification of this account, including a signed contract or application, and have received no such evidence. The absence of any verification documentation strongly suggests that this account is erroneous and should be deleted immediately. 

Under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ), the consumer reporting agencies are obligated to provide the results of its reinvestigation within 30 days. Despite my multiple requests, all 3 has failed to provide detailed results of their reinvestigation process or any documentation supporting the legitimacy of this account. This non-compliance is a violation of federal law and further substantiates my claim that the account is not valid. The account in question is reported as charged off since 2018. According to the Truth in Lending Act ( TILA ), specifically under 15 U.S.C. 1666i, charged-off accounts shou
ld not continue to report new late payments on a monthly basis. The continuous reporting of late payments on a charged-off account is incorrect and misleading, thus violating my consumer rights. 

As a victim of the XXXX data breach, my personal information has been compromised, placing me at heightened risk for identity theft and fraudulent activity. This breach underscores the necessity for XXXX and also Experian and XXXX to handle my dispute with utmost diligence and accuracy. 
Given these violations and the impact on my creditworthiness, I demand the immediate deletion of the disputed JPMCB Card Services account from my XXXX, Experian, and XXXX consumer report. I also request a comprehensive report detailing the procedures followed during the reinvestigations, as mandated by the FCRA. 
I expect a thorough and timely response, with evidence supporting any information that XXXX, Experian, and XXXX intends to retain on my report. Failure to rectify this issue promptly will leave me with no choice but to escalate the matter through legal avenues and regulatory complaints.
Consumer complaint received 2024-06-19
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. (AL)

have attempted to rectify all incorrect accounts and unauthorized inquiries on my credit report, but I have yet to receive any response from the three bureaus. This issue is causing me a lot of stress. I urgently request the removal of these listed accounts and inquiries. 
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 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 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 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 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 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 2024-06-19
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. (CO)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-19
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. (NC)

I received on my credit report saying I owe XXXX which I do not have a XXXX XXXX account. never had one with them send in a letter asking for verification have not received Based on 15 USC 1681 states I am aware all rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ) and this account has violated my federally protected consumer rights to privacy and confidentiality.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates. 
without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-19
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. (GA)

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

Subject : Dispute of Debts and Revocation of Communication Rights LVNV Funding LLC Dear Consumer Financial Protection Bureau, I am writing to formally dispute all debts asserted by LVNV Funding LLC and to request debt validation and purchase agreement between LVNV Funding LLC and original creditor. to furnish proof that theyre licensed and bonded. I request the revocation of their communication rights via email, call, and text. My decision is based on apparent violations of consumer protection laws, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), 12 CFR 1006.34 ( d ), and 15 USC 1681s2 ( 7 ) ( a ).

LVNV Funding LLC seems to be engaged in practices that are potentially unfair, deceptive, or abusive, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Moreover, their failure to provide accurate information about my debts, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), raises concerns about their compliance with consumer financial protection laws.

In addition, LVNV Funding LLC appears to be non-compliant with 12 CFR 1006.34 ( d ) by not adequately addressing my previous complaints and disputes, thereby violating regulatory requirements.

Furthermore, I assert my rights under 15 USC 1681s2 ( 7 ) ( a ), as the collection agency has failed to adhere to the Fair Credit Reporting Act ( FCRA ) by potentially reporting inaccurate information to credit reporting agencies. 

As a result of these alleged violations, I am formally disputing all debts claimed by LVNV Funding LLC as I mentioned above and request that the Consumer Financial Protection Bureau investigate these matters promptly and remove from my consumer report immediately. Additionally, I am revoking any rights for LVNV Funding LLC to communicate with me via email, call, and text, in accordance with my rights under the aforementioned laws. 

I appreciate your attention to this serious matter and trust that the Consumer Financial Protection Bureau will take appropriate action to uphold consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-19
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. (TX)

I recently reviewed my credit report and was deeply troubled to discover several inaccuracies that have caused me significant distress. These items are unverifiable, invalidated, and questionable, and they do not reflect the accurate status of my financial history. 

As per the Fair Credit Reporting Act, it is crucial that all information on my credit report is reported accurately. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly stipulate the requirement for complete accuracy in credit reporting. 

I have enclosed copies of all correspondence I have sent regarding these discrepancies for your reference. I kindly request that your agency promptly investigates these issues and takes the necessary steps to correct the errors in my credit file. 

Thank you for your attention to this matter. I look forward to your swift resolution.
Consumer complaint received 2024-06-19
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. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-19
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)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX - XXXX {$1300.00} Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} DP OF EDUC - XXXX {$2000.00} DP OF EDUC - XXXX {$3500.00} DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-19
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 have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-06-19
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. (NY)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. XXXX  XXXX | XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX| XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXXXXXX XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report XXXX! XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

In XXXX XXXX XXXX XXXX XXXX  was in short sale. XXXX refused all 3 offers from the primary lender on the property and the short sale never happened. The house went into foreclosure and was auctioned off as indicated on my credit report under XXXX XXXX XXXX  in XXXX of XXXX, labeled with an " XXXX  ''. When the house was foreclosed upon, XXXX lost the lien on the house and it became an unsecured debt. XXXX failed to report the foreclosure in XXXX of XXXX  and has been reporting the mortgage debt for the last 5 years only to charge it off recently. This blatant and intentional false reporting has ruined my credit for years and precluded me from securing a mortgage.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On late XX/XX/XXXX early XX/XX/XXXX I was a victim of debit card fraud. 
Someone illegally used my debit card to make several purchases to company called XXXX. The amounts were {$1200.00}, {$1400.00}, {$1600.00} & {$1500.00}. I immediately reported this to my bank Chase on XX/XX/XXXX at XXXX. 
Chase closed my debit card and said they would investigate. Then on Saturday XX/XX/XXXX chase allowed another transaction in the amount of {$1200.00} to process through my closed debit card. They said oh it was your digital wallet { I still have no idea what a digital wallet is } That charge was refunded a few days later. 
However, after giving them two weeks I contacted Chase XXXX Department again on Friday XX/XX/XXXX at XXXX ; after over an hour of being on the phone with me they said that they could not prove fraud and that I would have to give them proof that I did not make the charges. I have over 25 years of history with chase showing that 99 % of the time I only charge my debit chard {$200.00} or less. The only time the amounts are higher are for plane tickets purchased in XXXX and my daughters tuition. { I always called chase prior so they would know I was charging a higher amount than normal } Chase representative then said here is the company phone number that the charges were made and said I would have to contact them. As of Monday XX/XX/XXXX I have now spoken to the fraud department twice at this XXXX company and for the second time have said they will get back to me in XXXX hours. 
This is an absolute disgrace that I am fighting to get the stolen {$5800.00} from my account and that Chase just brushed this off. In addition I had a {$120.00} alert so chase is supposed to notify me of any transaction over this amount. They failed me on multiple levels.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MI)

Mr. Cooper took over my XXXX XXXX mortgage several months ago. I have always paid into my escrow account for taxes and insurance. Mr. Cooper stated that the loan transition would not cause any issues and that taxes and insurance would be paid without any action required from me. 

This morning, XX/XX/year>, my homeowner 's insurance company, XXXX, contacted me to inform me that my policy was canceled due to nonpayment. I attempted to call Mr. Cooper several times but was unable to speak with a representative. I then went online and tried to chat with a representative named XXXX. He stated that I would have to call Mr. Cooper. I explained that I had called several times and was once put on hold but eventually disconnected. XXXX gave me a different number to try. 

After multiple attempts and being on hold for a total of 38 minutes, I finally spoke with an agent. I was informed that my insurance was not paid on time, but a recent payment had been made to XXXX. The agent stated that I currently do not have homeowner 's insurance until XXXX processes the payment, which could take several days. She did not know why the payment was not made on time. 

I explained that there are storms in the forecast and asked what I should do if my home is damaged. I also inquired about who would be responsible for the cost. The agent stated that the responsibility would be mine alone and that Mr. Cooper would bear no responsibility. This entire process took over XXXX hours, leaving me without resolution, making me late for work, and without the home insurance I paid for.