davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PR)

They contacted me to collect that money and in the letter the date is XX/XX/2021. 

They opened a credit card account in my name and it is not mine. I've never had that card. The person used it and as of today they are charging me the amount of XXXX with the Chase Bank. I have already written to them indicating that the account is not mine. I have had to freeze my credit in the accrediting agencies because this is the second time they have done the same. The account ends in XXXX is the only thing I know. I will appreciate your prompt intervention as this situation is already affecting me emotionally.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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 complaint.
Consumer complaint received 2021-06-23
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: Experian Information Solutions Inc. (PR)

I have disputed with all three credit bureaus.XXXX, Experian and XXXX the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (PR)

I have disputed with all three credit bureaus.XXXX, XXXX and Equifax the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XX/XX/XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XX/XX/XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.
Consumer complaint received 2024-06-22
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. (CA)

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 USC1681 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681Section 602 A states I have the right to privacy 15 U.S.C1681 Section 604 Section 2 it also states a consumer a reporting agency can not furnish an account without my written instructions 15 U.S.C1681 c ( a ) ( 5 ) 5 section states : no consumer reporting agency may make any consumer report containg any of the following items of information any other adverse item of information, other than the records of conviction of crimes with antedates the report by more than 7 years. 

15 U.S.C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cuss that all information is accurate.
Consumer complaint received 2024-05-12
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. (IL)

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that has been reported for over seven years. The account in question is with 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 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  I dispute the accuracy of this information and assert that the reporting of this account exceeds the permissible seven-year reporting period under the Fair Credit Reporting Act ( FCRA ). As such, I request that XXXXXXXX XXXX promptly remove this account from my credit report. 

The FCRA states that derogatory accounts, such as charged-off accounts, should be removed from a consumer 's credit report seven years from the date of the first delinquency that led to the charge-off. Given that the last payment on this account was made on XXXX XXXX, XXXX, the account should have been removed from my credit report by XXXX XXXX, XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. Specifically, I request the following : 1. Verification of the reporting period for the account in question.

2. Removal of the account from my credit report if it has been reported for more than seven years.

3. Correction of any errors or inaccuracies in the reporting of the account. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of any inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-11
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. (VA)

To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the Federal Trade Commission. I also have copies of the Federal Trade Commission 's Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.
Consumer complaint received 2024-05-11
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. (TX)

I am writing to address a serious violation of the Fair Credit Reporting Act ( FCRA ) that has occurred. It has come to my attention that unauthorized inquiries were made into my Experian credit report from various entities without my consent or a permissible purpose. These inquiries are in direct violation of the FCRA, as detailed in the relevant sections of the act. 

According to the FCRA, a consumer 's credit report should only be accessed for purposes authorized under the law, and without my consent or a permissible purpose, these actions are unlawful. I am requesting the immediate deletion of the unauthorized inquiries from my Experian credit report. 

I have provided a list of the unauthorized inquiries made into my Experian credit report for your reference : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that each unauthorized inquiry be promptly removed from my Experian credit report.
Consumer complaint received 2024-05-11
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)

FCRA 605B, I believe, necessitates the removal of any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is :XX/XX/XXXX My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-23
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. (PR)

I have disputed with all three credit bureaus.Transunion, XXXX and XXXX the inaccurate information they are reporting on two XXXX XXXX charge off accounts from XX/XX/XXXX. They continue reporting a balance on both accounts although these accounts have been charged off since XX/XX/XXXX therefore further damaging my credit when I am trying to purchase a home. I understand that this type of reporting is unalwful per FCRA section 1681. I have submitted letters and have called all three agencies and have been unable to have this inaccurate information removed since XX/XX/XXXX. My last letter was sent XX/XX/XXXX and my last phone call to them was made XX/XX/XXXX. Accounts that have been charged off should not be reporting a balance. They continue to report 10 late payments on my student loans although I have submitted to them a letter from my student loan servicer XXXX that their are no late payments on my loans ( 10 loans ) and they still refuse to update this information. If any additional information is needed to resolve these issues please contact me.
Consumer complaint received 2024-05-13
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 in total absolute debrief with the way the credit agency has mishandled my credit. Said account : XXXX- XXXX, is being reported as a charge off on my credit report. I have asked the agency to do a simple reinvestigation. This account is reporting inaccurate and falsely on my report. According to 15 USC 168i 5 they are supposed to do the proper research, ( 5 ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation 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 remove/delete all those items. This matter have been of great hinderance to my endeavor of grow and obtain credit.
Consumer complaint received 2021-05-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

The response to Complaint XXXX received from Transunion does not address the complaint itself and includes false statements. I am shocked that the CFPB closed this complaint without verifying the validity of the response and the adequacy of the information provided by Transunion. My issue is probably shared by thousands of customers as it seems to be related to the algorithm TU uses to calculate the score they provide on their website!!! TU decision and score process has impacted me financially as their score is utilized by many banks and CC companies to approve and assign interest rates!!! CFPB is acting as an accomplice to TU by accepting their response which in no way addresses my complaint.
Consumer complaint received 2024-05-12
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. (PA)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account ls hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (GA)

XXXX and XXXX XXXX XXXX : # XXXX XXXX : # XXXX Open XXXX XXXX XXXX  : # XXXX has all 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 XXXX 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 2021-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc. (GU)

IN XXXX I OPENED ACCOUN WITH SELF.INC AND STARTED MAKING PAMENTS TO ACCOUNT SET UP WITH THE KNOWLEDGE I COULD CLOSE ONCE I HAD COMPLETED PAYING {$1600.00} HELD BY XXXX XXXX XXXX XXXX.I WAS PAYING {$150.00} XXXX, XXXX, XXXX BUT AFTER RECEIVED STIMULUS DECIDED TO PAY COMPLETLLY AND CLOSE THE ACCOUNT. I PAID {$1600.00} IN XXXX BUT SELF.INC ASK ME TO IDENTIFY MYSELF. I UPLOADED MY FLORIDA DRIVERS LICENSE WITH A SELFIE PICURE AS REQUESTED AND MAILED A LETTER TO SELF.INC HDQS IN WHICH THEY SIGNED FOR DELIVERED BY USPS ASKING TO CLOSE ACCOUNT.INCLUDED IN UPLOADED ATTACHMENTS.THEY WILL NOT CLOSE ACCOUNT I LOGGED IN XXXX.NO CORRESPONDENCE SINCE I ID MYSELF AS SENIOR CITISEN
Consumer complaint received 2024-05-11
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)

Request for Deletion of Collection Accounts I am writing to you regarding the collection accounts associated with XXXX XXXX XXXX and the original creditors XXXX XXXX and XXXX XXXX. It has come to my attention that XXXX XXXX XXXX has reported these accounts to credit reporting agencies without my explicit authorization, thereby violating crucial regulations under the Fair Credit Reporting Act ( FCRA ). 

The details of the accounts are as follows : XXXX. Account # XXXX XXXX. Account # XXXX The violations are as follows : XXXX. XXXX XXXX XXXX has failed to obtain my permission to furnish my consumer report for any permissible purpose as defined within Section 604 ( a ) of the FCRA, 15 U.S.C. 1681b ( a ). 

XXXX. Pursuant to Section 604 ( f ) of the FCRA, 15 U.S.C. 1681b ( f ), XXXX XXXX XXXX is explicitly prohibited from obtaining consumer reports for reasons other than those explicitly authorized in Section 604 ( a ). 

XXXX. XXXX XXXX XXXX has neglected to certify truthfully that it is obtaining the consumer report for a permissible purpose, as required by Section 604 ( 1 ) ( 2 ) of the FCRA, 15 U.S.C. 1681b ( 1 ) ( 2 ). 

XXXX. Furthermore, XXXX XXXX XXXX has utilized my consumer report for a purpose other than those permitted under the FCRA, as outlined in Section 604 ( f ), 15 U.S.C. 1681b ( f ). 

Given these violations, I demand that XXXX XXXX XXXX promptly delete the collection accounts from my credit report. 

Please confirm in writing once these deletions have been executed and ensure that all pertinent credit reporting agencies are duly notified. 

Failure to comply with this request will leave me with no choice but to pursue further legal action.
Consumer complaint received 2024-05-11
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. (NY)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-05-11
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. (LA)

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 2016-03-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I requested a payoff quote for my mortgage. I received the quote via email. I then paid the entire sum. A few days later I received via email another " payoff '' quote stating that I owed {$250.00}. When I contacted the company they did n't really explain what the additional amount was for. To clarify whether or not I had paid the correct I returned to the original email containing the " first '' payoff quote. It had been changed to {$250.00}, and not the original sum. This is fraud. A company should n't be able to change an original document in an attempt to mislead people into making " extra '' arbitrary payments. The company is Nationstar Mortgage. In addition, during the time I had the loan I paid the payments online the first of the month when they were due. However, despite making timely payments I would receive a monthly statement saying that I paid the mortgage late, and that I owed an additional {$40.00} late fee. I believe this is also FRAUD. It certainly is dishonest. It is possible that other people made unnecessary payments after receiving these statements.
Consumer complaint received 2024-05-11
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. (GA)

THIRD ATTEMPT. Third Party Creditors IS NOT LICENSED AND BONDED TO COLLECT ANY DEBT for me IN THE STATE OF GEORGIA AS PER NMLS ( National multi state licensing system ) consumer access. This is illegal Accounts- XXXX XXXX XXXX XXXX XXXX XXXX LL- XXXX XXXX
Consumer complaint received 2024-05-11
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/2022 for XXXX XXXX XXXX XXXX was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could grant me a second chance and make goodwill in removing the late payment in XX/XX/2022. Thank you for your understanding and prompt action.