davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (MS)

Subject : Violation of Timely Response Requirements Under FCRA and CFPB Standards Request for Deletion of Accounts Dear CFPB, I am writing in regards to the handling of my complaint, filed on XX/XX/year>, concerning inaccurate credit reporting by XXXX XXXX XXXX. Both the companys and CFPBs responses reflect violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) 's complaint handling guidelines. 

1. Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency ( CRA ) must investigate a dispute and report the results within 30 days of receiving the complaint. Extensions to 45 days are permissible only if additional information is provided by the consumer during the investigation. 
My dispute was submitted on XX/XX/year>, and as of XX/XX/year>, I have only been informed that the company is still working on my issue. This exceeds the 30-day period stipulated by the FCRA, making the company non-compliant with its obligation to promptly resolve or provide the results of the investigation. 
2. CFPB Complaint Handling Process Violations The CFPBs policy requires companies to respond to complaints within 15 days. The companys response, as of XX/XX/year>, simply indicates that they are still working on the issue, with no final resolution. 
Allowing an additional 60-day period for a final response, as indicated by the CFPB, contradicts both the CFPBs timeframes for handling disputes and the FCRAs 30-day maximum timeline. 
3. Request for Immediate Action Account Deletion, Not Closure In addition to the violations listed above, I am demanding the deletion of the inaccurate accounts from my credit report, not merely the closure of these accounts. It seems that XXXX has closed the account after my demand to have it deleted. Closing accounts, especially when they were never valid or authorized, does not fully resolve the damage caused. Deletion is necessary to ensure these incorrect records are permanently removed from my credit history. 

Summary of Requests : Immediate Conclusion of the Investigation : I request the company be directed to complete the investigation without further delay and provide a final response in compliance with the FCRAs 30-day requirement. 
Permanent Deletion of Accounts : I demand the complete deletion of the disputed accounts, not just closure, to fully resolve the inaccuracies. 
Response Within 5 Days : I require these actions to be completed within 5 days from the date of this communication to avoid further escalation. 
Escalation of My Complaint : The CFPB should enforce compliance with its own policies and federal law to prevent further delays. 
Thank you for your immediate attention to this matter. I expect the deletion of the inaccurate accounts and a final resolution within 5 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with 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 XXXX AND XXXX 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. 

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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

You are in violation under 15 U.S.

Code 1681i ( 5 ) Removal of Inaccurate invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy You have violated law 15 U.S.C.

Sec. 1681 ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether last date reported, last payment date, and date last active is inaccurate. 
XXXX XXXX XXXX Please remove this account immediately
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is another request to demand to the Credit Reporting Agencies to remove the fraudulent items and information off of my credit File in accordance with the Frair Credit Reporting Act section 605b. As much as I appreciate the removal of a portion of the disputed items, I am still disappointed in seeing that they have not completely removed all the disputed items. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX were never authorized and must be removed as soon as possible. I have been disputing for the removal of this item from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this item to be properly investigated and removed. The Credit Bureaus continued reporting of this item is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this item is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this item which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute this item and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this item.
Consumer complaint received 2023-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (CA)

The collections company I.Q. Data International , Inc ( XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ) has fradulently placed an account/debt on my name. Per the company, this debt is mine, which is a lease under someone with a similar name. 
The loan is for a lease, which was from XXXX. I have been monitoring my credit with XXXX XXXX for some time now and this account never came up on my reports until XX/XX/23. 
I do not know either of the individuals on this account. The woman on the account, has a similar name to mine, with the exception of the middle name. My middle name is XXXX. I firmly believe that the individuals XXXX XXXX XXXX and/or XXXX XXXX XXXX have falsely and fraudulently used my name and information for this account. 

I only became aware of this account and that this account was under my name and in collections on XX/XX/23 when I received an email alert from XXXX XXXX stating I had an account that required my attention. The night of XX/XX/23 I filed a dispute with XXXX for this account. On XX/XX/23 I was informed by XXXX that the dispute investigation concluded the account does belong to me, which is untrue. 
On XX/XX/23 I called XXXX Police Department to file an incident report for fraud. On XX/XX/23 I also spoke to officer XXXX XXXX who submitted an incident report, which is filed as incident report XXXX. On XX/XX/23 I called XXXX XXXX to request a copy of the report. 
In addition, when calling this collection agency, the first individual, XXXX, was very rude and refused to give me information for this loan. It took me calling XXXX other times for the files so suddenly appear and be given any information.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

I went to check my Chase Checking Account and was not allowed to Sign In as their IT department said I need to be using XXXX XXXX  or higher even though on their Requirements Page it says systems required is XXXX XXXX or Higher! This never happened before in all the years I've had this account! How can they deny people access to their bank account based upon their Computer 's Operating System? Are they Chase in collusion with XXXX to force the poor to buy new computers and XXXX XXXX Operating Systems? How can anyone be denied access to their Bank account once they prove their identity? Chase has layers of security requirements but I can not access even these as I am not allowed to Sign In!
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

on XX/XX/XXXX a {$21000.00} deposite of a settlement for ss disibility to my account, On XX/XX/2024 I went to a atm to withdraw money and the atm would not give me but XXXX and i needed more to purchase a car, I called chime who is partnered with XXXX XXXX  and XXXX XXXX  which are both insured by the fdic, a customer service agent answered the call and i explained that i needed to withdraw more than the XXXX dollars, she transfered me to someone who said his name was XXXX XXXX, XXXX # XXXX XXXX, I explained my situtation to him and he said he could fix it where i could withdraw XXXX but the process would take XXXX hrs when i went back to withdraw my money my account balance is XXXX, I called the bank and filed a dispute, It was devided into XXXX tickets # XXXX for XXXX, # XXXX for XXXX, # XXXX for XXXX, XX/XX/XXXX i got a credit for XXXX, a couple of weeks later i got a credit for XXXX. the # XXXX was denied, and i have tried endiessly to get my money back, without any luck, Chime is the XXXX who was allowed someone to hack my account, they should be made to repy with interest, they caused me many haedships and they should be held responsible.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (FL)

U.S Bank did not update the loan to reflect timely payments for the month of XXXX and XXXX. Contacted them several times to get them to send the correct information to the credit bureaus. This has impacted my spotless credit rating of XXXX down to XXXX. I have disputed the late payments 3 times with my XXXX account, and three times they have received the same response from U.S. Bank stating the late payments are correct. 
I call U.S. Bank and when they look up my account, it's fine. I contacted US Banks " Consumer Bureau Dispute Handling '' dept and they tell me a letter will be written and they have 30 days to complete that. It's been 60 days and still my credit report has not been updated. 

Please help me get them to fix this, I can not shop for insurances or to look to trade my car until this mess is corrected. Thank you.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

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 2020-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX  is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit scorXXXX and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XX/XX/year>2024 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Dear JEFFERSON CAPITAL SYSTEMS, I am writing to request validation of the debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with all relevant documentation to verify the debt, including, but not limited to, the original creditors name, the amount of the debt, and any records showing my obligation to pay. 

Additionally, I would like to bring your attention to 15 U.S.C. 1692c, which regulates communication practices by XXXX  XXXX : 15 U.S.C. 1692c restricts XXXX  XXXX from contacting consumers at inconvenient times or places, and prohibits communication with third parties without the consumer 's consent. 
Please provide the following within the legally required time frame : Verification of the debt, including the name and address of the original creditor. 
Proof that you are authorized to collect on this debt. 
Assurance that your communication practices are in compliance with 15 U.S.C. 1692c. 
Until I receive this information, I request that you cease any collection activities as required by the FDCPA. 

Please be advised that I am fully aware of my rights under federal law and will not hesitate to take further legal action if my rights are violated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! 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 2024-08-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Chime Financial Inc (WV)

Chime has a new XXXX feature. 

At first it was working as outlined in the agreement. I would borrow my full amount of credit limit, they would take it out of my next direct deposit and then the full credit limit would be available. Now they take the full amount due, do not release the full credit limit causing a financial hardship. They will not give me an option to opt out of the service.
Consumer complaint received 2024-08-29
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: JPMORGAN CHASE & CO. (FL)

In XXXX of 2024, I charged {$25000.00} to my Amazon Chase credit card. All XXXX  credit bureaus refuse to accurately submit that I pay my balance in full on all purchases. 

This is fraud that millions of customers are being wrongly scored. 

I demand, respectfully, a class action suit against all XXXX credit bureaus. 

With my XXXX service and XXXX  years of management of tens of billions of dollars every year, I promise I can prove that credit bureaus are intentionally damaging consumers and their credit ratings, for profit. 

Point : a customer that, for years, charges to their credit, but, pays the balance in full every single month, accumulating rewards, paying XXXX interest. 

I made {$250.00} dollars ( should have been {$500.00} ) in rewards, on my Amazon Chase card. The company, Chase, refused to honor the Amazon Pay charge, XXXX  % bonus, but honored the XXXX % reward. 

Please consider me a key witness, that can explain this before XXXX XXXX, and all honorable members of XXXX, to protect citizens, from rogue credit bureaus, dumpster divers, that now force citizens to pay for righting wrongs.
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IL)

I havent worked since XX/XX/XXXX I have no money coming in they keep adding late fees they never would try to help me they keep calling and calling that is harassment i get like 5 to 7 calls a day
Consumer complaint received 2024-09-13
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. (OH)

XX/XX/XXXX These illegal fraudulent items still remain. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX  Date Opened XX/XX/XXXX {$0.00} XXXX XXXXXXXX {$5400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX Opened XX/XX/XXXX 2022
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

have a large amount owed for a XXXX XXXX account. That I'm not aware of or didn't open. 
Debt collector have an excessive amount owed which made my XXXX XXXX decrease. Also it's an active jewelry account opened that I'm not aware of which I was notified about on XX/XX/year> after talking with credit karma and other credit agencies. So I'm asking credit bureau or who over is receiving this message to close any active account on my credit file. I'm not aware of any accounts opened such as Phone/mobile accounts, jewelry accounts, or credit cards that could affect my credit score.Thanks, XXXX XXXX XXXX