davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, XXXX, XXXX and Experian are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. XXXX, XXXX, and Experian have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including XXXX, XXXX, Experian, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXXXXXX XXXX XXXXXXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 on my 2 accounts 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. 


XXXX XXXX XXXX XXXX, XXXX 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
Consumer complaint received 2023-08-02
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. (PA)

I have been disputing the inaccuracies and erroneous information being reported on my Credit File for a long time. However, the Credit Bureaus have been ignoring my requests and demand despite the letters and documents that I have been submitting to them. My dispute letters with complete attachments of my personal information and the Identity Theft Report I received from the FTC have been blatantly ignored by the Credit Bureaus. They continue to report the disputed accounts on my Credit File without properly providing any supporting documents to back up their claims that the information they report are accurate an up to date. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureaus ' legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from a consumer 's credit file. Because of the Credit Bureaus ' negligence and indifference, I am worried of my Credit Worthiness. I am submitting this CFPB complaint in accordance with the Fair Credit Reporting act section 611, which allows me to dispute my own Credit File, and demand the Credit Bureaus to correct my Credit File from any inaccurate, erroneous, and fraudulent accounts and information by removing the following items : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Most of these accounts were already removed from other Credit Bureaus and it makes me wonder if the 3 major Credit Reporting agencies have been doing the exact same course of action, why does these accounts still remain only on their Credit bureau? I need the disputed accounts removed completely from my Credit File.
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Placement Services, LLC (WI)

I sent Professional Placement a XXXX XXXX first wave for Derogatory letter asking them to remove the collections off of my account. Professional placement sent a letter back to me stating that they will remove the balance after the account is paid in full.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am trying to move and this XXXX that's inaccurate is reporting on my consumer reports. 

This is investigation did not fix the error on my report when I disputed it about XXXX times. It just keep getting updated which is a violation. With the damages on my credit report, according 15 USC 16981 there should not be anything damaging on my credit report. Which makes this a defamation of my character. 

I haven't been granted a proper investigation with the credit bureaus because I explained my situation and how the creditor is and continues to violate my consumer rights. But the credit bureaus to ignore my rights.
Consumer complaint received 2024-02-11
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: JPMORGAN CHASE & CO. (IL)

I booked prepaid accommodation in XXXX, XXXX, with a one-night penalty for cancelation. I requested XXXX for cancelation as I got a better deal at the same hotel for the same duration ; the customer service rep stated that the hotel is not agreeing to waive off XXXX night 's charge even if I was going to stay there for the same duration. On this, she went ahead and canceled this reservation. 
I was well aware of the fact that I'll be charged for XXXX night, but to my surprise, the hotel charged me for the whole stay of 10 days ( over {$5000.00} ). When I disputed this with Chase, the hotel stated that it was a prepaid reservation and I was a no show, which in fact wasn't right. XXXX 's own customer rep canceled my reservation. 
Without contacting me or asking for my side of the story, Chase simply closed my case and charged me back for the whole amount. How is this fair and justified in any first world country? The only option for a consumer like me is to take both Chase, and XXXX to small claims court for the money and stress. I know, I am in the right here as my cancelation recordings must be with XXXX and it was Chase dispute team 's to investigate the matter. 
I tried contacting Chase again, and the gentleman stated there's nothing you can do as we have closed this case. Again, I feel like a victim in front a multi-billion dollar bank colluding with XXXX. All I request is to re-investigate this dispute and listen to my side of the story as well.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

The problem started because of a missed payment in XX/XX/2023. The nightmare stared 3 days after missing the payment. The bank started calling me 15 times a day every day for a few weeks. I was so stressed I decided to file a complaint with the XXXX XXXX XXXX. I tried negotiating with Synchrony Bank regarding my PayPal account. I asked for late and interest fees ( which I incurred through no fault of my own ) to be waived. I also asked Synchrony Bank to close my account once the account is paid in full. To date, theres been no resolution. Im asking for your help in resolving this matter. 

I want the late and interest fees waived so I can start making payments again and when the account is paid in full I want the account closed. I dont ever want to deal with this bank ever again. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion XXXX - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX was involved in a class action lawsuit due to alleged violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused XXXX of breaching its own contracts by imposing improper fees. 

The allegations against XXXX revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the XXXX and the FDCPA. 

Moreover, XXXX 's actions are reported to have violated XXXXrticle 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of XXXX - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given XXXX 's proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of XXXX  - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , Experian, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-15
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. (FL)

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 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.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX The claim according to your records is still being worked on ; however, Bank of America or a fraud keeps calling me, they have never called me in the past. I receive a letter by mail at my home address or you notify me by email. According to your email they ( Bank of America ) are working on the issue. 
I do not understand why they keep contacting me and leaving phony extensions because nothing is resolved until Justice is done. 
These individuals hacked my computer and used a scam to take {$950.00} from my account and are still trying to gain access to my finances. I am no longer distraught like I was on XX/XX/2022. Now I can recall everything the individual I saw that night ( my neighbor down the street XXXX who resides at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). XXXX who works with my nephew ( XXXX XXXX @ XXXX ) and the constant harassing noise in the background of the callers. Plus, the two ladies who supposedly represented XXXX XXXX XXXX ( sent to my house as a joke ). Then XXXX. XXXX XXXX telling me I am not the only one who has been scammed and some foreigner could have done it. However, the scammer followed me to XXXX and fully controlled my cell phone, house phone, and computers. They answered the questions for Bank of America because I was helpless. Then, when I tried to leave my battery was disconnected. And I had to use XXXX XXXX. The police department did not even try to verify anything because it was a foreigner. Later, every time I looked around, I was told I had money in the bank ( I wonder how the foreigner knew that? ) Also, I need to be careful of the websites I visit even if they are legit. Now, Bank of America is calling me about an issue they are still working on. Nothing is resolved until " Justice ' is served on these people when the time is right. Bank of America will never refund me because of the red tape involved A. I just want them to know I am not distraught anymore but I remember everything now and who was physically in my presence and the background voices. Also, the motive behind everything to be proven?
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

I am writing to complain to JPMCB AUTO about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2024-05-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC (SC)

Im being scammed by Loan Depot LLC. They were hacked in XX/XX/year>, mine & my husbands information were breached, they turned off our ability to electronically pay and had no ability to take payment by phone ( direct with ACH & routing number ). Was instructed their policy were to send certified checks or money orders to XXXXXXXX XXXX ( see previously alleged complaint # XXXXXXXX ( still open awaiting companys response ).
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (CA)

Creditor : XXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (GA)

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 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX, I paid my entire balance in full : {$230.00} as shown on the attached billing statement. 

Due date for payment was XX/XX/11. I have also included a copy from my bank showing the payment processed on XXXX, which is also reflected in comenities account as well. 

I was verifying the no balance due on XX/XX/11, and there was a {$3.00} " interest '' charge, despite the fact that I had paid the balance in full. 

I contacted XXXX same date ( XX/XX/11 ) advising account was paid in full the prior month and no interest should be oustanding. They responded that interest was due. I provided the copy of my payment, and they keep saying interest is due despite my question to them asking how they can charge interest on a XXXX balance account. Two separate message strings are attached.
Consumer complaint received 2024-08-19
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. (GA)

Inaccurate information is being reported on the Equifax account and they are refusing to help me. I am also unable to log in online and file a dispute. I am escalating this as I am trying to get a house and they have incorrect information. I have 9 accounts and they are only reporting 5 and my score mysteriously dropped XXXX points.