davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
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: FC HoldCo LLC (IL)

On XX/XX/year>, XXXX XXXX XXXX did an inquiry on my credit. I did not authorize this company to check my credit. Under the Fair Credit Reporting Act, it is my right that this inquiry be removed.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2024, I noticed that my savings account was being charged a XXXX XXXX monthly statement fee since XXXX of 2018 to current. I called Chase customer service in the beginning of XX/XX/XXXX ' and explained that I should not have a monthly statement fee. The rep reimbursed me XXXX year of statement fees ( {$25.00} x 12 months = {$300.00} ), but instructed me that I would have to go into the branch to get the remaining reimbursement of statement fees. 

When I originally opened my savings and checking account with Chase Bank, I was told if there was a direct deposit to my checking account and an auto deposit to my savings account then all monthly fees would be waived. From when I opened my account to today, I still have direct deposit to my checking and an auto deposit to my savings from my checking. Further, as of XX/XX/XXXX ' I am now being charged a XXXX XXXX monthly fee on my checking account. 

Since I entered the branch in XXXX  2024, I have had to follow up with the branch XXXX despite several calls and an email to her.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've been sending them letters via mail for several months now but credit reporting agencies are not responding nor providing any resolution to this ongoing issues concerning these invalid and misleading accounts they have published on my credit files. I just need these entries to be removed immediately, as these are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

I purchased a {$XXXX0} Google XXXX XXXX XXXX and tried to redeem it on my Google Account to use the card. The system refuses to allow me to use the card, and the representative sent a generate reply about either a card or account problem and never replied back to my concerns for either the redemption of my funds or a refund of my funds
Consumer complaint received 2024-05-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

The consumer reporting agency Chexsystems did not provide me with my written consent for them to furnish my consumer reporting information, or evidence that I requested to open accounts which have unauthorized inquiries on them on my Chexsystems consumer report that third-parties have accessed to without my explicit written permission for permissible purposes or evidence that I have ever given them such permission. 

Please immediately remove the information from my consumer report with Chexsystems.
Consumer complaint received 2018-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Paid {$30.00} to a division of Citizens Bank to get a lien release on a paid off XXXX  XXXX that was owned by XXXX XXXX The Citizen person said everything was in order with my request Today I received an email stating they will not be sending me the lien release
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I used to live in apartment XXXX with my mother and sisters. My sister, XXXX XXXX, and I moved out of the apartment on XX/XX/scrub>XXXX XXXX XXXX As far as I understand, my mother and XXXX sisters stayed and renewed the lease. The reason for this letter is to inform you there was a discrepancy on your end because we were not removed from the lease when it was renewed. Further, we were not informed there was an eviction taking place. As of now, someone from Genesis had to inform us of this situation and told us XXXX had passed the money owed to them, and we would need to pay it. My mother informed them that we should not be involved in this matter because we werent living there for that current lease.
Consumer complaint received 2024-05-19
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. (CA)

In XX/XX/2018 I noticed five accounts that did not belong to me on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts The FBI has emailed me regarding this matter and I am a victim of identify theft.
Consumer complaint received 2024-07-10
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. (NY)

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-11-23
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2024-07-04
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. (FL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to dispute the following inaccurate information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), which mandates that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy. and 15 USC 1681i ( 5 ), any item of information disputed by a consumer must be promptly investigated, and if found to be inaccurate or incomplete, it must be corrected or deleted from the consumer 's file. It is your duty to ensure that all information reported is 100 % accurate. The presence of any inaccuracies necessitates either the correction or removal of the erroneous data. XXXXThe account in question is as follows XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$150.00} XXXX : Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Balance : {$150.00} Upon reviewing my credit report, I have identified several inaccuracies in regard to this account : Account Number, High Balance, Date of Last Activity, Times Days Late, Payment History Given these inaccuracies across my XXXX and TransUnion credit reports, I formally request that this account be removed from my credit report. If this matter is not resolved within 30-45 days from the receipt of this letter, I will have no alternative but to proceed with the litigation process to seek {$1000.00} in damages for each inaccuracy present on my report, as permissible under the FCRA. 

Please send me a written confirmation that this account has been removed, or if not, a detailed explanation of your actions to investigate and correct the inaccuracies. I am enclosing copies of relevant documents as proof of the errors for your review. 

Thank you for your prompt attention to this serious matter. I look forward to your swift resolution of this dispute.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  has refused to provide all credit card statements for this account, which has inhibited my ability to dispute charges and late fees assessed on the account. On numerous occasions I submitted payments above the amount due and the bank refused to move the due date and the payment amount for making an advance payment. XXXX XXXX  would assess late fees even though I submitted large payments on multiple occasions in previous months, which made it very difficult to maintain a relationship with the financial institution. In addition, they would charge interest that was grossly unfair to a XXXX US Veteran. XXXX XXXX XXXX continues to report unsubstantiated ( incorrect ) amount to all three credit bureaus.
Consumer complaint received 2024-06-06
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. (TN)

Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX : Account XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXXXX************** :, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-25
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (MN)

The CFPB complaint ( XXXX ) was closed before you actually looked at the account history for the late fees being applied. In your response you stated that partial payments are passed into a suspense account until the full amount to be paid for the month is received. This is not what happened. If you had actually looked at the account history for the complaint of late payments you would quickly see that you had placed {$600.00} into suspense then applied {$550.00} as additional principle. The amount owed for the month was then {$1000.00} because you didnt apply anything to the monthly balance. You would think it would be pretty obvious that if the monthly payment was not yet paid that that is what the payment is supposed to be for, and not additional principle. And because nothing was applied to the monthly payment you took it out of the next months payment, causing that month to be late. then you did it to the next month and so on... 

You also missed the issue regarding why the payment was 30 days late for the bankruptcy. It was late because YOUR COMPANY WITHOUT NOTICE TOOK AWAY OUR ABILITY TO PAY! When we CALLED YOUR COMPANY REFUSED TO REACTIVATE OUR NORMAL PAYMENT METHOD IN ORDER TO PAY ON TIME. This caused us to be 30 days late as we had to send the check by mail because again you refused to let us pay how we paid for a year or two upto that point!!! IT WAS YOUR REFUSAL OF PAYMENT THAT CAUSED US TO BE LATE. YOU WITHOUT NOTICE DEACTIVATED AN ACCOUNT THAT WE USED TO MAKE PAYMENTS FOR OVER A YEAR THEN REFUSED TO REACTIVATE IT WHEN WE CALLED MAKING IT IMPOSSIBLE TO MAKE A PAYMENT ONTIME.
Consumer complaint received 2023-08-25
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)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DEPT OF EDUCATIONXXXX XXXX Balance : {$130000.00}
Consumer complaint received 2024-06-06
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. (VA)

XXXX XXXX Account XXXX Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratingFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.