davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-29
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (CA)

I do not owe this company anything. I called to amicably resolve this matter, and all they did was try to scare me into paying this debt. Statements such as " your credit will keep going down each week we report, and it will keep hurting your score if you do not pay us. '' This are violations of my rights, and I ask that this company remove this collection account from all the bureaus.
Consumer complaint received 2024-05-07
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. (GA)

I would like XXXX to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IL)

Self Finical/LEAD XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX Number : XXXX This company is reporting inaccurate information on my credit report thats Violating my rights as a consumer. They have violated many laws based on the information they reporting on my credit report. I have reached out to the agency All XXXX credit bureau, XXXX XXXX and XXXX and I have yet to receive any type of response besides this account been violated. This account is inaccurate This company never sent me a 1099-C form for the write off of my debt but yet this Account is showing up on my report when In reality, the agency already wrote this account off on their taxes. Im requesting that this account get removed from my report immediately
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I returned from a trip on Monday, XX/XX/2023. Waiting for me was a check I had been waiting on for a month at this point. I decided to make a mobile deposit since I was too tired from my flight to leave the house again and it was a friend 's birthday either way so I prioritized celebrating with him for the remainder of the day. My app said it would be available on Thursday. It didn't help that I had a slew of obstacles in that week coming up to Thursday but when I woke up, I had the intention to pay my credit card bill and pay people for our upcoming trips. Unfortunately, I couldn't transfer money between any of my accounts. I couldn't send money to anyone. I couldn't use my debit card for anything. I called my bank to find out they put a restriction on the account because they wanted to further verify the validity of my check or whatever. They questioned where the check was from even though it was right there on the label. I probably called them XXXX times trying to get them to resolve this but they kept calling a number I told them repeatedly was dead. I got the check from an annual event so whatever they were finding was likely unmonitored but speaking with the CEO themselves, they told me that number was dead and the address they're finding was old as well. The CEO gave me his number saying tell them to call him and even put it on the official website with a notice telling them directly to call him but they refused claiming their system doesn't allow them to call " unregistered '' or " no good '' numbers. The issue is, with almost every rep, there was a slight shift in how each one spoke to me. The first person asked if I had a mobile number he could call for the business and at the time I didn't. When I got one, suddenly they couldn't call personal/mobile numbers, it had to be in a registry. When I asked what number they found, they gave me the full numbers they found and were using. When I hung up and spoke to the CEO about changing numbers and then called the bank back, now they couldn't give me the full number and only could give me the last XXXX digits of the number they were using. I eventually stressed out with a large headache and feeling defeated just stopped trying because I could feel my head swelling. I was going to use some of this check to deposit into my savings as it's had a low balance for a while as well but that account was closed since it had nothing left. My bills and upcoming trips are in jeopardy now because a bit of money is stuck in that account and more money that was sent to that account I now have to wait to bounce back. One of them is a direct deposit as well so I'm not sure if it'll be stuck in limbo or actually return and come together on the next payment.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Dispute of Inaccurate Information on my Credit Report XXXX XXXX XXXX Auto Loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I am a victim of identity theft and I never opened this account. 

XXXX XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$240.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXXXXXX Unsecured loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$420.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX Account # : XXXX Balance : {$310.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX Account # : XXXX Balance : {$960.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Furthermore, I would like to dispute the following unauthorized inquiries : Inquiry from XXXX Date : XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

[ Other Inquiries- list them similarly as above ] [ Explain the discrepancies and request their removal. ] I kindly request that you conduct a thorough reinvestigation into these matters and provide a written response. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I have a near perfect credit score. I applied for a credit care thru XXXX XXXX XXXX California Nevada. I was denied because XXXX " could not verify the Social Security Number or alternative identification number '' I provided in my application against information they " obtained from the credit reporting agency '', Experian. I was advised to call Experian at XXXX. I reached an automated answering system that, when I tried to get an explanation, could not offer any explanation and said that it was not possible to speak to a " representative '' at all. I logged onto the Experian website and found there is no freeze on my credit, and no way to contact anyone at Experian to troubleshoot. It is therefore completely impossible to figure out why I can not apply for new credit cards.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

XXXX. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (GA)

I currently have a ongoing dispute with my new Credit card company. I have had this credit card over 30 years with my credit union and service was excellent until they have allowed a XXXX XXXX to take over. I have disputed a charge of {$310.00} on my XXXX card since XX/XX/year>. I was given the credit n full XXXX XXXX then reversed the next month. The new c. Card company sent me a letter that the credit given to me was final. I have it n writing!!! Now I am trying to get this credit back on my account. I have Never had a problem such as this Ever!! Please assist me, I pay my credit card on time every month and I have a excellent credit score. Thank U very much!!!
Consumer complaint received 2024-05-07
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. (CT)

Despite numerous attempts, I have been unsuccessful in resolving the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no choice but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (WI)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-05-07
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. (SC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I looked at my report back on XX/XX/XXXX, and noticed some things were incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] are not complete and accurate. 

I sent a notarized affidavit highlighting the inaccurate accounts and asking them to make sure everything is complete and accurate and here is my tracking number - XXXX ( they received it on XX/XX/XXXX ). 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 

And according to 15 USC 1681i 5 they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Since they did not, I sent another letter on XX/XX/XXXX - Tracking XXXX, requesting them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

That letter was delivered on XX/XX/XXXX and they did not adhere to that either as you will see from the attachments. 

And according to 15 USC 1681s-2 they are suppose to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing they are still inaccurately reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhowing they are still inaccurately reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681i ( 7 ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX 

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-07
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. (MA)

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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. (SC)

I just checked and reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (MO)

As 15 usc 1681 starts out with " 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. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law.

My last letter was sent at the beginning of XXXX to XXXX separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all XXXX companies on here but feel free to email or call.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-05-13
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : 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