davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (NV)

To start of I am a XXXX XXXX  undergoing XXXX XXXX so every XXXX helps towards my bills since my health insurance doesnt cover everything. I revived an alarming text that my accounts were pending closures I have never bounce a check with them or kept the account negative more than a few days now my direct deposit is coming in and I have no access to my funds. I am so stressed out
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

For the past three days I have been unable to use JPMC online account secure messaging to inquire regarding a recent mystery email. Clearly JPMC is not using automated monitoring solutions to ensure that customers can reach out to JPMC customer service for off-line research and follow-up. This is basic customer functionality which should not be dependent on consumer outreach to JPMC via phone.
Consumer complaint received 2023-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MD)

I am writing to resolve a bona fide dispute which is ongoing since XX/XX/XXXX. After requesting the original instrument of indebtedness in its original form, I received no confirmation that the as of yet unnamed real party in interest is in possession of the original instrument or that it even still exists. Neither the holder in due course, nor possessor in due course with rights to enforce the instrument, has been brought forth or otherwise identified, making it impossible for me to have informed use of my credit in the supposed consumer credit transaction ( s ). 

In my good faith attempts to settle all controversy at arm 's length and without judicial intervention, I tendered an instrument with ample notice of my intentions to discharge the alleged obligations. 

The purported servicer accepted my money order of {$100.00} from XX/XX/XXXX, with a restrictive endorsement stating " Negotiation of the instrument signifies satisfaction of all claims. '' The purported servicer reported {$100.00} of payment for the alleged loans and failed to send me notification of the satisfaction of all claims with the removal of all items of information furnished by them from my credit reports. 

On XX/XX/XXXX, I received an email from Aidvantage claiming that I owe the payment amount of {$590.00} on XX/XX/XXXX.
Consumer complaint received 2024-04-24
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. (VA)

XXXX XXXX XXXX XXXX reported my credit card past due by 30 days and logged this for XX/XX/XXXX. I have an ACH automatically set up to leave an external account for payment. I've had this credit card since XXXX. Have never been 30 days late and arbitrarily my automatic payment did not go through for XX/XX/XXXX. I called the company to discuss and could not get traction for this oversight to be fixed. I filed a dispute and this still was not changed. It dropped my credit score significantly. I am looking for this oversight to be rectified.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 8
Consumer complaint received 2024-06-27
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. (NV)

took a look at my credit file XX/XX/XXXX, noticed things that were incorrect & not accurate I sent letters to XXXX credit breaus on XX/XX/XXXX & asked them to investigate the completeness & accuracy .There breaking the law XXXX XXXX XXXX ( b ) ACCORDING TO 15 USC 1681 ( 5 ) IT STATES THE ( 5 ) treatment of in inaccurate or unverified information ( A ) in general if after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-04-24
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)

Upon looking at my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, XXXX, Experian, XXXX is indicating late payments on multiple accounts listed below XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXT # XXXX XXXXXXXX XXXX XXXX XXXX XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided XXXX, Experian, XXXX with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to XXXX 's, Experian 's, XXXX 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Additionally, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( XXXX ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$5500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5500.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$5500.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$4500.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I never missed a payment on this account. I contacted this company in XXXX and to them the vehicle was stolen. They did inform that payment had to made on account as it was. I made a payment after cut off the representative said to dispute the matter because the account was not documented that insurance was working on the matter for payment. Upon that call I made a payment and scheduled a payment for the XXXX of XXXX. I was contacted on the XXXX the payment wasnt received. Upon checking it showed the payment was taken out of my account. I called back on the XXXX of XXXX and was informed by two representatives that it wasnt reflected but to contact my insurance because the car would go into repossession. Again I informed the vehicle was stolen and reported. The vehicle was a total loss. I got a payment offer that day for the leasing office as I wanted to lease another vehicle with the company. I submitted proof of payments to the accounts department and still to no avail but they marked my account delinquent enough tho I have a payment receipt and a payment offer made that day to pay off the vehicle. They also informed they would not be refunding my payments made not the remaining balance that will be left after pay-off is made. They have not only ruined my credit but loss me as a customer due to the poor manner and which they handled this matter.
Consumer complaint received 2023-06-05
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. (NC)

The following companies listed on this report are reporting accounts that have been flagged as fraudulent accounts. This is a clear violation of the XXXX XXXX. 
I have attached a copy of my identity theft report with the accounts that need to be deleted from my credit report immediately.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NC)

A payment of the full balance was tendered to Amex and they refused to accept principal coupon payment and apply it as paid in full They continued to try to collect the debt after they charged it off. Two other collection companies are now trying to collect on the same debt. XXXX and XXXX. Amex has reported account 90 days past due, when account has been closed since XX/XX/year>.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

" 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 2024-04-24
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. (NY)

The account number, high balance, payment history, account status, and other data from my XXXXXXXX XXXX XXXXXXXX account is inaccurate and different on all 3 credit bureau reports. XXXX has failed to provide documentation of sufficient investigation or to remove the inaccurate information.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BTH Management (GA)

I have contacted Plaza Services , LLC regarding an alleged debt in their office for XXXX. I requested the following information to determine next steps : XXXX. To whom do you think I owe this debt and what amount do you claim I owe? 
a. Provide the name, address and account number for the original creditor, in addition to the amount owed. 
b. If this debt started with a different creditor, please also provide the following : i. Provide the unique Registered Account identifier ( Registry ID ) that was assigned to this account by the GDR and the IRR Report ( Initial Registration Report ) XXXX. Provide the accountlevel Chain of Title Report that shows the history of this account, referencing each previous PCN and transfer, from registration to the current sale or placement and the TOR Report ( Transfer of Ownership Registration Report ) iii. Provide the AHR Report ( Account History Report ) for this account NOTE : Any and ALL assignment ( s ) must clearly establish that my account was included in said assignment. A general assignment of accounts will not/does not satisfy this request. 

XXXX. Please provide a valid basis for the debt, such as the original contract between me and original creditor. 
a. Provide the date the debt became delinquent and the date the last payment was made. 

XXXX. Provide a copy of the last billing statement from the original creditor. 
a. If any fees or additional interest charges have been added to that statement, b. Explain how those fees or additional interest charges are permitted, either by the original contract or by law. 

XXXX. If any payments were and/or have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 

XXXX. Please confirm whether your agency has a debt collection license in XXXX? 
a. If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. 
b. If you do not have a license, please explain why. 

This agency has not provided the aforementioned information requested. Furthermore, they are not licensed in the state of XXXX to collect on this alleged collection account. This information was pulled via https XXXX XXXX XXXX also attached )
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-24
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. (GA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MA)

I am writing to dispute the collection account listed on my credit report, which is under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I am requesting validation of the debt you are attempting to collect. 

Here are the specific details regarding the account 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 I am requesting validation of this debt as per my rights under the FDCPA and FCRA. Please provide the following documentation : Verification of the debt, including the original creditor 's name and address.

Proof of your authorization to collect this debt.

Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be aware that reporting unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as required by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Privacy and Confidentiality under 15 USC 1681 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 an 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. Accounts need to be removed from report.