davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Chase continues to refuse to process disputes in accordance with the law. I submit all disputes in writing and they fail to respond by the deadline with anything other than meaningless form letters. 

Here is a summary of open disputes. 

XXXX ) XXXX XXXX XX/XX/2023. {$180.00} The airline caused me to miss the flight due to their incompetence and misunderstanding of visa rules for Americans entering the XXXX. Chase never actually processed the dispute properly. They credited it and rebilled without explanation, proper research, or proof of an investigation. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023, {$28.00}. This is some kind of extra scam fee. I prepaid my stay in full on my XXXX ( {$110.00} ). I gave my chase visa only for deposit. I didnt use any room service or extra services of any kind. This charge was not authorized. 
XXXX ) XXXX XX/XX/2023 {$240.00}. {$52.00} of this charge is not valid because in order to check in I had to pay an additional fee at the hotel. They refused to give me the room otherwise. The confirmation email says paid in full. This was a scam. 

Others will likely be incoming. Chase refuses to process disputes according to the law and within the required time frames unless I file CFPB complaints. Its outrageous.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
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. (PA)

My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-15
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)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have no knowledge of the closed accounts and the open account that are stated on my report. These accounts are showing up and are harming me financially. One of them is a car loan account that I have a title to already. If not removed, I will sue. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (TX)

This collection just appeared on my credit report one day. It is also listed under another name. I have 2 first names and only one of them match. Maybe it is meant for the other person but I have no idea how it got attached to my SSN. 
I also did not receive any letters in the mail, any phone calls or emails notifying me of this alleged debt before it was posted to my account. 
I assume it is the same alleged debt but on my credit report, it is listed as an open account under different original creditors and different company names.
Consumer complaint received 2024-07-13
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. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I've always made sure that payments on this account are timely, never allowing them to become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

I Paid progressive directly the debt owed and they were suppose to reach out to CCS to have this updated and removed from my account and it is still showing. I am requested that this be updated and remove as it causing issues with my credit report and lenders
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, GA XXXX. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX The correct name is XXXX XXXX The correct employer is XXXX XXXX XXXXXXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

XXXX, XXXX XXXX
Consumer complaint received 2024-05-16
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)

i recently examined my credit report and saw accounts that i didn't recognize. i noticed several billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (VI)

I ordered a bicycle online on XX/XX/XXXX. I got the shipping confirmation, but the bike never came. I attempted to contact the merchant unsuccessfully ( no phone number, invalid e-mail ). I tried to file a fraud complaint with XXXX but was unable to ( it was not on my XXXX account ; I could not get a person on the phone ). I entered the USPS tracking number provided on the shipping confirmation and that was bogus, too. It said the item was received XX/XX/XXXX, two days before I ordered it. 

I checked my Barclay 's statement, the charge was on there, so I filed a fraud claim with them ( online XX/XX/XXXX followed by the attached letter on XX/XX/XXXX ). I received a letter acknowledging my dispute and tried unsuccessfully to call them several times in early XXXX, so I sent the letter on XX/XX/XXXX. 

I just received my XXXX statement and they put the disputed charge back on my account. I have heard nothing from them, nor can I reach them. I disputed the charge again yesterday on line and tried calling again today.
Consumer complaint received 2024-05-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2024-03-05
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. (NM)

On XX/XX/XXXX there was a second hard inquiry from XXXX XXXX XXXX XXXX and they were advised of the error and not authorized inquiry and they have refused to remove the hard inquiry from my credit report. On XX/XX/2024 experian representative XXXX refused to provide assistance and refused to provide a badge number to apply to this complaint. 

I have sent in all necessary documentation to experian to have this removed and they have refused to follow FCRA laws and have not helped and neither has XXXX XXXX XXXX. In accordance with the fcra and federal laws I have completed my obligations to remedy the situation yet the bank and credit agency have not fulfilled their responsibilities. Please have this removed from my report today.
Consumer complaint received 2024-05-16
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-09-19
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. (NY)

I am asking the XXXX and TransUnion again to please remove these REMAINING items from my credit reports. As I needed my credit reports accurate and no nagative items showing in it. This was my follow up complaint as I am expecting that when I update my credit reports once again these items below will be remove from my credit reports : 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
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (LA)

Im requesting a cease and desist upon this account. This company has not been nor am I providing the consent to contact me over the phone nor in writing. I have proof where this company has provided me two separate contract via different means. One being through the complaint portal on this cfpb website and second via mail. I have already contact the attorney general and taken the necessary steps and have a complaint on file and the XXXX. I have now sought legal counsel who has advised me this company has broken laws just with the contracts. I am no longer going to deal with this company myself and prepared to sue not only them but any credit bureau reporting this inaccurate information. I thank you for the time and wish the results couldve been different, but unfortunately the lack of concern and integrity just is lacking within this company.
Consumer complaint received 2024-05-16
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. (MD)

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.

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 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (CA)

I called credit karma months ago to dispute a fraud case. Someone took my card and made transactions that was not me. They closed my case without any detail and when I reopened they stop contacting me. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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. (MD)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX I listed above all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.
Consumer complaint received 2024-05-16
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. (NV)

Equifax has re-inserted inquiries that I have already advised were not authorized or made by me. The inquiries include XXXX XXXX XXXX dealer on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. These inquiries are not attached to any account that I currently have or have ever initiated. I have previously raised this issue with Equifax and the inquiries were removed however they have been added back to the account without authorization. I am demanding that these inquiries be removed ASAP.
Consumer complaint received 2024-03-05
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-15
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account number 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-15
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. (IL)

My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the companies involved. I feel my rights as a consumer are being violated. I am the victim here and can not get the proper help or response from the credit reporting agencies. If no action is taken soon, I will pursue legal action.