davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VEROS CREDIT, LLC. (CA)

Subject : Dispute and Request for Validation of Debt under 15 U.S.C. 1681 and Fair Credit Reporting Act I sent them this. 

I am writing to formally dispute the accuracy of the information associated with the debt listed under my name and to request validation of this debt as stipulated by 15 U.S.C. 1681 under the Fair Credit Reporting Act. 

On [ insert date you originally sent the letter ], I sent your office a letter requesting validation of the debt, including a detailed payment history and a copy of the signed contract which purportedly obligates me to pay this debt. To date, I have not received satisfactory proof or validation of the said debt. 

As mandated by federal law, specifically 15 U.S. Code 1682 and 15 U.S.C. 1681, your agency is required to accurately and fairly validate the information before continuing to report such debt to any and all credit reporting agencies. 

Please provide me with the following : 1. A copy of the signed contract that legally binds me to pay the debt. 
2. A complete payment history on the account, starting from the date the debt was incurred, detailing all payments made and charges assessed. 
3. Any additional documentation or evidence that substantiates the validity of the debt. 

Until these requirements are satisfied, I request that this item be removed from my credit report, as reporting inaccurate or unvalidated information is a violation of the Fair Credit Reporting Act. 

I expect your diligent cooperation and response to this matter within the 30-day time frame set forth by the Fair Credit Reporting Act. Failure to comply may result in legal action including, but not limited to, a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate state or federal agencies. 

Thank you for your urgent attention to this matter. 

Yours sincerely, XXXX XXXX
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

**Account Number Ending In : XXXX **Claim ID : XXXX **Dispute Type : Debit - Unauthorized Transaction** **Date Error Reported : XXXX **Claim Amount : $ XXXX Attention Chime Dispute Team, I am writing this letter as a final attempt to rectify a clear billing discrepancy that I am disputing. The transactions that occurred at XXXX XXXX XXXX XXXX are the result of a cashier incorrectly inputting {$100.00} into their XXXX  system at the time of purchase. My actual bill was only {$10.00}. Additionally, I requested a refund of the transaction immediately after the discrepancy occurred, including the {$10.00}. 

Upon checking the dispute, it is indicated that a split decision was reached, where the dispute of the {$10.00} was approved, yet the {$100.00} transaction was denied. Firstly, it is clear that no thorough investigation had taken place, and that the representatives of the Dispute team simply looked at my statement, saw that a refund/credit was issued, and based their decision solely on that. No further investigation was done, the merchant was not contacted, nor was a chargeback requested for the merchant to cross-reference or verify the transaction. 

This dispute was also incorrectly and erroneously filed after explaining the circumstances to the representative. At this time, I am requesting a full re-investigation of my dispute, as this has yet to be resolved. The work ethic of the dispute team is called into question after several breaches of protocol and violations of my consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was the victim of fraud for the account ending in XXXX. Bank of America initially didn't accept it as a fraudulent claim when first reported in XX/XX/2022. The account was closed, the balance remained open and payments that were not made were recorded as missed payments on my credit report and the account was charged off. The fraud claim was accepted a year later but the missed payments and charge off was not removed from my credit report. I reported the inaccurate information to XXXX and XXXX but Bank of America stated that the incorrect information was correct. After reaching out to Bank of America over the phone regarding the matter I was transferred 6 times and the matter has not been resolved.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX they accept mobile deposit XX/XX/XXXX they put it on hold XXXX they closed the account and kept the fund Im asking for it back but there trying to say fraud and keep it cuz the property manger wont answer to verify
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My account was closed on XX/XX/year>. I received suspicious emails regarding the closure of my accounts. I responded to email explaining I never received information via phone call or mailed letter and Ill be forwarding the email to the fraud department as I assumed the email was fraud. The following day I received a email saying the account was closed without an investigation! I assumed the email was fraud because fraud and account hacking is at an All time high and I never received notification when logging into my bank! 

I think who ever checked the email closed my account without thorough investigation and prejudice and I need a further investigation! 


The following day, all my credit cards were closed, and the following month, my bank accounts were also closed. My accounts have always been in good standing. I have never had any overdrafts with Capital One Bank and have always made timely payments with my credit card company. They inquired about my cash deposits. As a XXXX XXXX, most of my clients pay in cash. I am a XXXX XXXX  and part of my work involves traveling. I have never engaged in fraud or overdrafts and have always maintained my accounts in good standing. The closure of my accounts has negatively impacted my credit score. I am unable to open a bank account or obtain a credit card anywhere, and I have been unable to find any information regarding the reasons for the termination of my accounts. I have checked the XXXX XXXX and XXXX, but found no relevant information. This situation is significantly affecting my life. Without a debit or credit card, I am unable to carry out essential tasks. As a single mother with no surviving parents, I worked hard to achieve what i have accomplished and Now, everything I have worked hard for is being taken away from me without any explanation or fair attempt to resolve issue. I feel like I am being discriminated against. And i want a fair attempt on resolving this!
Consumer complaint received 2022-01-09
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: LEXISNEXIS (MN)

Who do you file a bankruptcy with? 
A ) XXXX XXXX XXXX B ) sheriff department C ) XXXX XXXX D ) US bankruptcy court E ) none of the above Please answer the question to the best of your ability! 

Thank you!
Consumer complaint received 2024-07-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (GA)

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF 1974 As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I appreciate your attention to removing some erroneous items from my credit report, but there are still unauthorized entries that need to be addressed. I recently obtained a copy of my credit report from your bureau on XX/XX/XXXX and noticed several unauthorized hard inquiries listed. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : 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 . Each company involved has been notified via certified mail that these inquiries were not authorized, and I have requested their removal. In accordance with the Fair Credit Reporting Act, I am asking that these unauthorized inquiries be removed from my credit report. Please provide me with an updated copy of my credit report once these inaccuracies have been corrected.
Consumer complaint received 2024-05-25
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. (NY)

In accordance with the Fair Credit Reporting act 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 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 an account without my written instructions.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (TX)

On XX/XX/XXXX {$990.00} was stolen out my MoneyLion account to a card ending in XXXX. The originating company is called Moneylion XXXX XXXX XXXXXXXX. I was asleep when this transaction occurred it happen at XXXXXXXX XXXX Soon as I look in my transaction history and see {$990.00} transfer processed out I immediately call customer care team on XXXX of XXXX I placed a dispute. They havent been helpful on the process I just want know what steps I have take have my funds returned back in my account.
Consumer complaint received 2019-06-27
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THOSE ACCOUNTS ON MY CREDIT FILE. PLEASE INVESTIGATE YOUR CREDIT REPORT AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.
Consumer complaint received 2024-07-04
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: U.S. BANCORP (CA)

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is FAUD. 



XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NE)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-25
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)

Today on XX/XX/XXXX, I had a chance to look at this report and there ARE MANY INACCURATE things on this report that I DEMAND TO BE REMOVED BY XX/XX/XXXX OR I WILL SUE FOR {$100000.00} INCLUDING LEGAL FEES!!! THIS SITUATION HAS PREVENTED ME FROM GETTING A JOB, A PLACE, A VEHICLE AND I HAVE BEEN JOBLESS ALONG WITH HOMELESS SINCE XXXX WITHOUT ANY SUPPORT FROM ANYONE OR ANYTHING. I DO NOT ASK FOR MUCH BUT THIS INFORMATION IS NOT ACCURATE AND NEEDS TO BE REMOVED XXXX DOCUMENTATION HAS BEEN PROVIDED IF IT HAS IT WAS SHREDDED DUE TO MY EVICTION AND HOMELESSNESS!!! THIS HAS TO GO!! OR PAY {$100000.00} INCLUDING LEGAL FEES
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (OH)

I have sent letters to request that the debt be verified or removed. The debt was not verified and was removed from my credit reports only to be sold to a different collection agency and is now back on my credit report again and I'm going around in circles.
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. (OH)

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.

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 2024-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (IN)

Hello my name is XXXX XXXX and I received a letter in the mail approximately a week ago saying that I owed a debt of {$510.00} to the MONTGOMERY WARDS-DMS. Never in my life have I shopped or heard of this store, let me registered for anything that would ensure me a debt to them.
Consumer complaint received 2024-07-03
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: Exeter Finance, LLC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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. (PA)

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (GA)

This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/XXXX, with XXXX XXXXXXXX XXXX as the original creditor. Again, I don't live in XXXX, and I have not lived there for more than XXXX years. Unsure how an account will be open this year for medical debt in XXXX when I live in XXXX 

Because of my previous complaint, I received a document from CASCADE CAPITAL FUNDING stating I owe {$1400.00} for services given on XX/XX/XXXX. What was that for? Prior to this collection appearing on my reports, I had never been contacted by anybody about such an account existing. Where is the original bill from the original creditor? So many questions regarding an account that magically pops up in XXXX for services that you are saying were given in XX/XX/XXXX.
Consumer complaint received 2024-05-24
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)

Dept of Education XXXX Account XXXX - XXXX i just received my credit report. I noticed that, You are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX XXXX According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion