davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-15
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)

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : XXXX. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws. 

XXXX. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

XXXX. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 30 business days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided.
Consumer complaint received 2024-07-29
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (NJ)

I enrolled in XXXX XXXX ( GLOBAL LLC ) DEBT negotiation in XXXX of XXXX. I thought everything was going ok until i noticed that they still had not done anything to settle with two cards, from the accounts they agreed to take care of 9 months earlier. I found an official notice on their XXXX XXXX opening screen in XXXX of XXXX, stating they are being sued by a government entity they then did several things that prompted me to stop putting money as of XX/XX/XXXX due to losing confidence in the program and most times i called i could really not get assistance up until today, i now had to file for bankruptcy which was the LAST thing i intended. The card they never contacted sued me because their company is in a freeze for customers and my XXXX employer XXXX XXXX. was told to garnish my wages so i was forced to do the personal bankruptcy. XXXX took over {$5100.00} US DOLLARS from me for nothing, mostly all fees for their pockets and a few to pay the cards about {$15.00}. a month between XX/XX/XXXX & XX/XX/XXXX when i told them i wanted my money back they will not return my calls. THIS GROUP under the Global entity are complete scammers and i want my {$5100.00} back which they have not responded to me about. Please help me. Thank you!
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: Experian Information Solutions Inc. (WA)

My account with ( DEPT OF ED/XXXX, XXXX  XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( DEPT OF ED/XXXX, XXXX  XXXX , XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-09-27
Product: Credit 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. (CA)

Chase claim XXXX XXXX and XXXX I asked Chase to help me dispute a {$440.00} charge from XXXX XXXX and provided clear documentation with USPS tracking details. The tracking details clearly shows that XXXX XXXX ( the Original Sender ) shipped it out via XXXX on XX/XX/2023. XXXX tried to deliver on XX/XX/2023 and it was refused by the recipient. XXXX then returned it to the merchant ( the Original Sender ) on XX/XX/2023. However, the merchant refused to issue a refund. Merchant responded to Chase that they never received the merchandise. However, XXXX website clearly indicated that the package was returned to the merchant ( the Original Sender ) on XX/XX/2023. 

However, Chase still decided to side with the merchant twice given clear evidence that I never took possession/received the products and furthermore USPS successfully returned it to the merchant. When I called Chase dispute department, their response was that I had proof that the merchant took possession of the returned merchandise. However, the tracking shows USPS returned it to the merchant ( the Original Sender ) on XX/XX/2023. If this is not sufficient proof, then the pillar of the modern e-commerce would no longer work. Most of the packages delivered nowadays do not require a signature and video proof. And the modern e-commerce relies on tracking information provided by shipping companies including USPS as evidence of delivery. Chase 's decision to side with the merchant is clearly mistaken and biased.
Consumer complaint received 2024-06-15
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of XXXX XXXX. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XX/XX/year>
Consumer complaint received 2024-06-15
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. (TX)

: Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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)

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 Account XXXX has violated my rights. Or a 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 2024-06-15
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 a complaint about a creditor that has violated my rights under the Fair Credit Reporting Act ( FCRA ). First, they violated 15 U.S.C. 1681 Section 602 ( A ), which states that I have the right to privacy. Second, they violated 15 U.S.C. 1681 Section 604 ( A ) Section 2, which states that a consumer reporting agency can not furnish an account without my written instructions Experian has yet to respond to my complaint, which is why I am filing a second one. I will continue to file complaints until my issue is resolved. Ive been disputing this account for over a year and they still have not removed it. They are getting away with criminal acts, and I will no longer be a victim. I will take legal action if necessary. I am not the only one, and they need to stop.
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}.
Consumer complaint received 2024-06-15
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 have been a victim of identity theft, and this is another request to remove the information from my credit file resulting from this incident. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to remove any items no later than XXXX business days after receipt of this request. Additionally, the information on some items is unknown to me and has already been removed from other bureaus, raising doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (NY)

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 2024-06-14
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)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (OH)

I found a charge while on my XXXX XXXXXXXX XXXX XXXX XXXX XXXX online banking portal that states as follows : XXXX XXXX XXXX  XXXXXXXX XXXX  Transfer To XXXX XXXX VA XXXX XXXX in the amount of {$250.00} that I did NOT authorize. 

I am not in the XXXX, and have no family in the XXXX which apparently, is the only way to have an account with them in the first place. 

I called XXXX XXXX XXXX  and of course, they said they'll do an investigation that can and WILL ( in my opinion ) take the entire 90 days to investigate an obvious scam. I then decided to call the source of this {$250.00} unauthorized charge, and while looking up their phone number, I was shocked to see nothing but headlines regarding class action lawsuits against this Navy Federal Credit Union for taking money that did not belong to them. I then placed the call with them and was disgusted by the man on the other line who was of no help whatsoever. He was very rude, & told me that he had no way of seeing the charge because I am not a member. To which I replied, " So, how did you take {$250.00} from me? '' To which he replied, " I don't know. '' At the end of the day, I did NOT AUTHORIZE the charge and have never even heard of them before all of this happened. 

Lastly, I think the ridiculous amount of headlines speaking of lawsuits and complaints against this firm as recent as this year is extremely telling. I truly need help as I've never felt so desperate and screwed over. I've been sitting here in tears because my bank, XXXX XXXX XXXX XXXX XXXX XXXX is absolutely no help whatsoever, and NO ONE will tell me anything regarding this fraudulent charge while simultaneously acting like " their hands are tied '' and there's nothing they can do to stop it or correct it. 

This entire situation has put me in a financial hole that I won't be able to dig myself out of, and it's not even any fault of my own. 

PLEASE HELP! ANYONE??! 

I would be so grateful, truly. XXXX XXXX
Consumer complaint received 2024-06-14
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. (NY)

Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX co Date of XXXX Delete!! 


Unathorized inquiry XXXX of Bro Date of XXXX Unathorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX AV # XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX UNDER XXXX XXXX XXXX THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account XXXX please update the status of this account to " paid on time ''. 


Under XXXX XXXX XXXX this late payment entry is a violation.I have been incorrectly billed. 
XXXX  Account XXXX Please update the status of this account to " paid on time ''. 


Under XXXX XXXX XXXX this late payment entry is a violation.I have been incorrectly XXXX 
Account XXXX Please update the status of this account to " paid on time '' XXXX XXXX XXXX XXXX this XXXX payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' XXXX XXXX XXXX XXXX this late payment XXXX is a violation. I Have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " to paid '' XXXX XXXX this late payment entry XXXX a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX, XXXX Account XXXX This account needs to be XXXX XXXX Account XXXX
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: Experian Information Solutions Inc. (PA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I got hard inquiries because someone try to get credit from XXXX XXXX XXXX and form XXXX XXXX IN OHIO SOMEBODY THEFT MY INFORMATION, those aplicattions are not mine
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (NY)

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 name : XXXXXXXX XXXX # XXXX Account name : # XXXX Account name : XXXX XXXX Account name : # XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX ALL HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.