davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : American Express XXXX, Account name : # American Express XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

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.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX SC XXXX These inaccurate reporting account an comments Is a violation To The law. 

Comments : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 
Amount in high credit original charge-off amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

account number XXXX XXXX XXXX XXXX XXXX {$21.00} ( Paid ) In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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: CLGF Holdco 1, LLC (NC)

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/year> ]. The inquiry was made by [ FEBDESTINY ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I noticed a recurring transfer on my acct that I did not recognize on XX/XX/XXXX and reached out to American Express to dispute the transactions- the merchant had been charging me monthly since XX/XX/XXXX. They requested that I reach out to the merchant, and refused to open the dispute without me having done so. This is in violation of Reg Z, which does not require a consumer to reach out to the merchant for a billing dispute. When I separately reached out to the merchant ( because they refused to open the dispute ), the merchant did not pick up. I called AmEx to open the dispute and they tried to validate the merchant number I called and give me a different number for the merchant for me to call. Step after step they were blocking me from opening a dispute. Further, they then told me I was only eligible to dispute the most recent transaction. Again, another Reg Z violation because the rule is that you can dispute transactions 60 days from delivery of the statement, so I had at least 3 transactions eligible for dispute. I had to point this out to the agent, who got visibility frustrated and kept cutting me off ( trying to follow her incorrect procedures ). Only after I threatened the CFPB complaint did I get her to open a dispute on the 3 most recent transactions. She wouldn't even log my notice of error for the older transactions ( even if the outcome would have been non-payment/non-investigation by AmEx ). Overall, a poor experience and made me reconsider the long standing relationship I have with them.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (CA)

IQ Data International is incorrectly reporting someone elses debt on my credit report. 
I requested a fraud packet twice and received nothing. The last time I called they hung up on me! It is not my debt. Theyve admitted that the middle name and birthdate they have and are incorrect and trying to attach me to this debt to my social security number. It is not my debt and is costing me a mortgage and untold amounts in interest.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldridge PIte Haan, LLP (GA)

I REQUESTED A VALIDATION OF FRAUDULENT DEBT FROM ALDRIDGE PITE HAAN AND HAVE NOT RECIEVED A RESPONSE. ALDRIDGE HAS NOT PROVIDED THE PROPER DOCUMENTATION TO VALIDATE DEBT FOR ACCOUNT THEREFORE THE DEBT HAS TO BE REMOVED. ATTACHED IS THE 2ND REQUEST FOR DEBT VALIDATION, MY NOTICE OF SUIT, ALONG WITH CERTIFIED RECEIPTS.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

I have advised the organization I hold a priority Non-UCC lien over the Debtor ; Ive sent several request of rescission to liquidate and balance the accounts. My final attempt was sent with attached GSA documents to modify and liquidate the Performance and Payment bonds aka combined Fidelity Bond contractual agreements. You are operating as a For-Profit that doesnt report income ( my securities aka FRAUD ) which is tax evasion. Since this request was ignored this is the 1st of complaints being submitted through CFPB, complaints to follow XXXX, IRS, FBI, XXXX XXXX XXXX, SEC and OCC. Thanks
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX of 2024 I was charged {$230.00} on my Apple Card. I recognized immediately that it was not me using the card and I immediately disputed the charge with Apple Card. Apple Card provided a temporary credit while they investigated. After two months Apple Card contacted me stating they had received proof from the merchant, XXXX XXXX XXXX, that I authorized the charge. I asked for this proof and it was sent via USPS. When I opened the package the proof consisted entirely of someone else 's information. A totally different person in a different state used my Apple Card to fraudulently pay for their XXXX XXXX XXXX internet service. I contacted the merchant, XXXX XXXX XXXX, who confirmed that someone else had indeed used my card and that I needed to dispute it with my credit card company, which I already had. I believe Apple Card is refusing to investigate the issue properly and has only made the issue worse for me. Apple Card says they have fraud protection but they are not honoring that term. It is now five months later and I have since figured out that ten total charges were made fraudulently by the person in question for a total of {$1000.00} and Apple Card is not correcting the issue.
Consumer complaint received 2024-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I've contacted the creditor company several times, I've provided them with the information requested for the dispute. I've contacted lawyers about the same issue, I reported to Capital One & XXXX XXXX about my information being involved in multiple data breachs and also provided them with documents of incarceration at the time of the account being opened. They removed the credit from one of the credit bureau reports but it still shows up on the others. The creditor also have not sent any correspondence documents providing proof of accuracy of credit.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-19
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. (FL)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-07-16
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. (VA)

I've emailed the XXXX XXXX for assistance about this matter that your companies holding this account over my, and interfering with my life in regards to obtaining a mortgage.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have had an account with Citi Cards for many years. I decided to close the account as I was not happy with the interest rate they were charging. I payed off all of the amount due and after ensuring that I had a XXXX balance I requested the account be closed by sending a letter together with my final payment to the appropriate address on XX/XX/XXXX. Subsequently I received a statement with several charges that I had not made totallin {$79.00}. I contacted the customer service department and explained that these charges were not mine. They forwarded the information to the fraud department and the charges were disputed. I was told I was not going to be responsible for these charges. Eventually, I received a statement with a credit for these charges, however, this credit was reversed and I was billed for the same amount once again. My account continued to be open and I continued to get statements indicating that I owed the fraudulent charges. On XX/XX/XXXX I received a check, addressed to me, for the amount that was being disputed. I continued to be billed for this amount, plus the accrued interest of the " unpaid '' balance, even though I had disputed these charges, asked to close the account, and had not cashed the check they sent me. By this time I had, for the third time, contacted Customer Service and was assured that the account was closed, yet I continued to receive statements. Additionally, they sent me a NEW set of cards which I obviously did not request. I called and spoke again to customer service and was advised to return the check as payment for the credited amount. I still have the check in my possession because it is addressed to me, reason why I fear will not cancel the amount they are billing me for. By now they have sent me numerous statements, texts and emails requesting I pay the {$79.00}, which, with their added interest has risen to {$80.00}. So, in addition to the non-responsiveness to my clear request of closing the account, they refuse to address the issue of the fraudulent charges being billed ( charges which I did not make ). I am afraid that these fraudulent charges and subsequent issues such as the added interest and the fact that I will not pay these charges, will affect my credit score.

Many thanks for your assistance.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am disputing an incorrect entry on my XXXX credit report for a Chase account showing a debt of {$42000.00}. On XX/XX/XXXX, I sent a debt validation request to JPMCB Card Services, which remains unanswered. Furthermore, I have since received a settlement letter from XXXX, a CFPB-regulated debt negotiator, confirming the settlement of all debts with Chase in XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that this debt be removed from my credit report and that Chase update the account status to reflect the settlement. Attachments : Debt validation request, settlement letter, and proof of payments.
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

The debt of {$1700.00} appears to be owed but it doesnt belong to me. Ive tried several times to settle this matter but nothing has happened. Ive contacted the debt caller but nothing was done. Its not my account.
Consumer complaint received 2024-01-29
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: Law Offices of Alan J. Waintraub PLLC (PA)

I have about 4 or more hard inquiries on my account. I had gotten alerts about credit inquiries that are not mines. I been dealing with this for months when I called each company Ive been giving the run around. Saying that they see nothing in their system but yet its on my credit report. Having a huge impact on my credit. It needs to be removed. I want on identity theft.gov I am a victim of identity theft none of these inquiries belong to me.
Consumer complaint received 2024-08-19
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. (AL)

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. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXL # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

An account with XXXX is now more than XXXX XXXX XXXX and despite my many attempts and disputes with all credit bureaus and writing letters about this account, my credit profile remains unchanged and every time it is simply updated. I am sick and tired for not being able to resolve this issue with this reported account. I need this account removed from my credit profile. It is past the statute for debt in the state of XXXX
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

My previous loan servicer was fedloans before my loans were transferred to XXXX. In XXXX of XXXX, I was advised that one of my loans would the eligible payment count and would be discharged once I recertified my employment. At the time I had three separate XXXX XXXX being held by XXXX XXXX. She told me to send in my recertification paperwork and then wait two weeks to apply for the discharge. Shortly after ( XXXX ) applying for the discharge a XXXX told me that I should consolidate them so then the payments that were on loan 1 ( the one eligible for discharge ) would count towards all of the loans, so they would all be discharged. 
I called and applied for the consolidation and included the loan. I was advised by a representative to go ahead and file an appeal ( reconsideration ) on student XXXX just in case my loan wasnt included and they were unable to stop the discharge. I called again and was told they would be able to stop it, so my loan could be consolidated and all my payments could count towards the discharge of all of my loans. Since they were backlogged and in the process of transitioning to Mohella, I began to get anxious and spoke to a supervisor at XXXX XXXX  ( XXXX ) who reassured me that they had stopped the discharge and that I he would send it in writing. I called multiple times only to be told that its a 30 day process. Then XX/XX/XXXX I received an email that my loans had been transferred to Mohella. I called XXXX in a panic and was told they could no longer access my records. 
Mohella then told me that they received all three of my loans and was processing the discharge. Meanwhile, I received a letter discharging the loan and another letter saying that loan XXXX wasnt included in my consolidation because it had been discharged. Once my consolidation went through, my account reflected a XXXX balance. I called Mohella for clarification and they told me that my loan was being discharged. After not hearing anything for a month I called back to inquire about the status and they said that the XXXX balance was a reflection of the consolidation. I also noticed that they changed their outgoing recording to reflect that when it previously didnt. 
When speaking to fedloans I said I was eligible for pslf as an educator and always asked my options. However ; they never told me about the consolidation until after they told me to apply for discharge leaving me with over {$40000.00} in loans that wouldve and shouldve been discharged as well.