davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Consumer complaint received 2024-08-02
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: Newport Intermediate Inc. (FL)

Hi there, I recently got a prepaid XXXX for donating plasma as XXXX XXXX. I did this for moral reasons as well as personal. XXXX XXXX seems to contract with Northlane and XXXX XXXX  for the handling of these prepaid cards. Every time I've tried to use this card, I've run into problems. I tried to pay for an academic transcript, which declined, I tried to use a different transcript company, which also declined, I tried to transfer the money to cashapp so I could spend it directly, which also declined. Every declined transaction also seems to come with fees, as the balance is declining. I called them and they claim every time that it's their " risk strategy '', and they'll escalate to a higher " risk team ''. This is not only frustrating, but the fees for the declined transactions are racking up. I would like Northlane and XXXX Banks to correct this and streamline their risk assessment process so other consumers can access their funds without hassle.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, I received an email from Wells Fargo stating that someone had just taken {$2000.00} out of an ATM machine with my credit with my debit card and then received another {$900.00} charge and then five {$200.00} charges all stating with they have been taken from the same ATM machine in XXXX, XXXX I brought all of this to Wells Fargos attention immediately they told me there was nothing they could do and that I needed to call the police It didnt show that there was they prove that there was fraud.
Consumer complaint received 2024-05-19
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)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2024-09-23
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. (MS)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX - XX/XX/year> - XXXX - I am requesting that the account be deleted from my credit report ( Experian & XXXX ). I was advised that the tradeline be deleted once I paid the balance. The account remains on both reports and reflect paid in full on one and settled on another. I also requested validation of debt from the company, but did not receive. I request that this trade line be deleted from my report.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX dba with XXXX XXXX XXXX XXXX is charging over {$700.00} cash USD interest on XXXX of {$300.00} in 2024. And they are reporting to Experian gross higher USD loans on customer credit reports as new loans, including interest and not reporting previous loans paid off by customers in 2024. Also Store employees admittedly asking g XXXX XXXX XXXX XXXX for their Branch MOS/Job title and sharing that information to other persons for monetized gains unlawfully.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

Chase card services has failed to verify this debt with substantial evidence that this account belonged to me. Upon speaking with their fraud department they said my social, name and address appeared to be correct so hence the account belongs to me. It 's been a long uphill battle to clear my name & when I asked to provide me with how the account was setup and any agreements with my signature to be forwarded they are unable to produce that information. Yet they are reporting to lenders that i owe this said debt that has not been verified
Consumer complaint received 2024-08-27
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account 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
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

Hi I have applied for a loan and was denied. 
Upon further investigation we found a damaging piece of information on my credit report. 
It was a chase credit card charge off from almost 7 years ago. 
First I disputed the item with all XXXX credit bureaus but didnt get anywhere because they claimed chase verified that it is my account. 
I immediately called chase to see whats going on. 
after spending over an hour being transferred from XXXX rep to another and no one was able to find any concrete info on this card, I was transferred to a department they called XXXX '' and the rep XXXX XXXX XXXX clearly stated that she does not see any concrete info. No signed contract or application. No payment history. No canceled checks. the only thing she told me was sorry but its too old of an account to have all those records!!! 
Another important note, on that account she did find an associated address in XXXX NJ, where I never in my entire life lived, further pointing towards fraud. 
I asked her nicely to remove it immediately from my credit report since it is reporting illegally but she told me she cant do it over the phone. 
So now I am stuck with a bad credit score because chase is reporting a case they cant even verify that it belongs to me! 
Thanks and looking forward to resolve this asap.
Consumer complaint received 2024-08-30
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. (AR)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-03
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. (PA)

This morning, I found inaccurate accounts on my credit report and have no clue why they appeared. I routinely check my credit report, but this time I noticed unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccuracies remained. Due to this issue, I request that the documents I've sent be thoroughly checked so I can stop worrying about this.
Consumer complaint received 2024-08-03
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. (PA)

I discovered erroneous accounts on my credit report this morning and am unsure of their origin. As part of my regular credit report checks, I noticed these discrepancies unexpectedly. I refreshed my browser, hoping it was a temporary issue, but the inaccurate accounts persisted. Consequently, I request a thorough review of the documents I've provided to ensure this problem is resolved.
Consumer complaint received 2022-10-17
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. (VI)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2024-08-03
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. (CA)

I recently reviewed a copy of my credit report and noticed some inaccuracies on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX  XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-08-03
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 am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. 
Please help me correct or remove the following items : XXXX. XXXX XXXX XXXX  Balance Owed : {$2200.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX  Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
4. XXXX XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2019-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (OH)

This complaint is regarding Credit Acceptance. I became one month behind ( I have been paying consistently since XX/XX/2016 ), and they have used this as an opportunity to continually raise my payments ( which I have not missed ). They call me constantly at work and on my cell phone. If you are off by a day or two, they state that you broke your agreement, and raise your payments and threaten to repossess the car. I bought a XXXX XXXX XXXX which has a XXXX XXXX XXXX value of approx. {$5000.00}. They reported on my credit report that I am financed for {$10000.00} but I actually am financed for {$19000.00}. This company takes advantage of borrowers that have lower credit scores, and they feel they have the right to rip them off. I am paying 4 times the actual value of the vehicle. I can't imagine what these people do when customers are really behind on their payments. One lady stated to me, " don't be a day late or a dollar short, or we'll reposess the vehicle ''.
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (VI)

Good day, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these credit accounts listed have all violated my rights with the Fair Credit Reporting Act. 15 U.S.C 1681 section 602 A. States the right to have privacy and it also states under section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions which I have not given any ok to do so. 

No account name XXXX This credit account is on my account. I have no idea what this is there isn't any name or hardly any information. Its been disputed in the past and hasn't been removed.
Consumer complaint received 2024-08-22
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. (DE)

Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION I hereby submit this letter as a formal request pursuant to the Uniform Commercial Code, Section 9-210, regarding my account with you.

In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), this letter serves as : A Request for an Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transaction.

I am seeking an authenticated record that provides a detailed accounting of all unpaid obligations to date.

A Request Regarding a Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral that I believe to be accurate. I am requesting that you approve or correct this statement and provide a detailed explanation of any discrepancies. For clarity and the purposes of identification, the transaction or relationship in question involves Account number Pursuant to UCC 9-210 ( b ), I understand that you are required to comply with this request within 14 days of receipt by authenticating and sending the requested accounting and statement of account. Please ensure that your response is detailed, including all relevant information pertaining to the unpaid obligations, the list of collateral, and any corrections to the statement of account I have provided.

Should there be no interest claimed on the obligations or the collateral at this time, as outlined in subsections ( d ) and ( e ) of UCC 9-210, I request an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

I am aware that, as per UCC 9-210 ( f ), I am entitled to one response to this request without charge during any six-month period. Please inform me in advance if there are any charges for additional requests. 
I look forward to your timely compliance with this request. Please send the requested information and any corresponding documentation to the mailing address listed above
Consumer complaint received 2020-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks Capital One is engaging in the business selling consumer Accounts to debt collectors. 
I would like to include Capital One I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against Capital One.
Consumer complaint received 2024-08-03
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. (WI)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
Account XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX  account XXXX. XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  account XXXX. 
Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MP)

Capital One does not follow payment instructions written on my checks ' memo line. My payment for XXXX XXXX was received on XX/XX/22, the last day of the XXXX payment cycle. Instead of following the instructions written on the check & billing statement that this pymt was for XXXX, they applied it to XXXX. This resulted in me being charged a past due fee in XXXX. The company refused to credit my acct for the late charge on my payment, which was actually an early payment. At this point I don't even care about the {$40.00} penalty. This is now about principle, they can't charge a late fee for their error on an early payment.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-01
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 existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.