davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MN)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-04
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. (TX)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Got an email saying that there was " suspected fraud '' on my account, and that I needed to call to provide more information. When I called, the goalpost had moved - they very definitively said that 1 ) they were closing my account, 2 ) they were absolutely not going to tell me why, 3 ) I would get check in the mail, and 4 ) I later was told that I would not be eligible to open another account. Point 4 was what honestly shocked me the most, because I have not done anything shady on the account at all. 

I went into a branch on the suggestion of one of the phone reps, who did seem sympathetic to my plight. However, there was no progress at the branch either. The woman was nice enough, and sympathetic to my cause as well. She did disclose that she had dealt with multiple other customers who had gone through the exact same process, and that they didn't have access to see why this decision was made, and that I had no path to appeal. It's a XXXXXXXX XXXX for them too, it seems. Super frustrating experience, with no way to advocate for myself as a legitimate customer. I canceled my CC with them after this, the whole ordeal left a bad taste in my mouth. 

I would love some more clarity or transparency from Chase, honestly even if they were to say " This action on your account was why we investigated you '' I could show them why it was not fraudulent, or even just KNOWING would be better than the empty plate I have been served. It's not looking out for us, it's looking out for them, I am aware that their interests come before mine. It just shouldn't be that way ... The last below escalated a complain but they will not return my call. Please let me know what we can do. 


Hi XXXX, Per our phone conversation, the number for our Operating Loss Prevention Team is XXXX opt # XXXX, where you can call to ask your follow up questions regarding the suspended funds. Also as requested, I have submitted another escalations to our Branch Complaints Escalations Group, you can expect a follow up from them in the coming days.

Again, I am sorry that I was unable to answer your questions today, but the above teams may have those answers for you. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Schedule a meeting
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

XXXX and Lexis/Nexus are reporting a roof repair insurance claim filed by the seller of a home I purchased on MY insurance report. 

On XX/XX/XXXX I received a copy of LexisNexis report case number XXXX on Consumer Number XXXX reporting that they had information from their partner XXXX that showed I filed an insurance claim in XX/XX/XXXX for roof damage. 

This claim lowered my insurance rating to less than desirable and affected my insurance premiums. 

The roof damage claim was filed by XXXX and XXXX XXXX the previous owners of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX- not me. 

I contacted LexisNexis following their protocols to request changes on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX via email but have not received any response or corrections.
Consumer complaint received 2024-09-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bay Area Receivables, Inc (MD)

Received a copy of the bill on XX/XX/year> from XXXXXXXX XXXX via email. I reviewed it and found that the tax/ssn on the bill is not mine and the birthdate is also not mine. I replied back stating that on XX/XX/scrub>XXXX Email communication to me stopped until XX/XX/year> they attempted to call instead leaving voicemails stating that communication by phone is better since XXXX is her second language ( I have that voicemail ) I continued to follow up via email. Received a reply email on XX/XX/year> saying there nothing she can do other than mark it disputed. Final email received on XXXXXX/XX/year> she states there are typos on the bill that cant be fixed. This is concerning. No government institution, financial institution, employment would accept that from me so how is it that its supposed to fine for them and I have to accept it. Admitted typos brings into question the validity of the amount on the bill. I have this email chain between us archived.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 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 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I had a Chase account that was closed and charged off almost XXXX years ago. XXXX accidentally sent a check to this account and the bank applied it to the charged off amount, after initially telling me that they were going to refuse the check and refund it back. They are now refusing to send the check back and claims they applied it to the charged off account. This is wrong and completely unfair!
Consumer complaint received 2023-11-03
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. (NY)

There is nonpublic information on my TransUnion consumer report that is a result of identity theft. I never gave written permission for this nonpublic information to be reported on my consumer report. TransUnion never even disclosed to me that they received a request to have this reported on my TransUnion report. Below I list the the nonpublic information that has resulted in identity theft, 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXXXXXX 3.XXXX XXXX XXXXXXXX XXXX 4.XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-08
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-11
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. (IN)

I filed for bankruptcy on XX/XX/year>, with the United States Bankruptcy Court for the XXXX XXXX XXXX Indiana, Case # XXXX. The bankruptcy report was not obtained from the courts, as their website states they do not report to credit agencies. Therefore, it is not possible for them to have provided that information.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union (CA)

I contacted the company around XX/XX/XXXX to request a XXXX extension for the next upcoming payment due to an injury at work and pending XXXX pay. The agent informed on a recorded line that if I paid a {$15.00} late fee, the extension would be approved until the XX/XX/XXXX payment due date. On the XX/XX/XXXX payment date the payment was automatically debited from my checking account and I resumed monthly payments thereafter with no delay. When I checked my credit reports in XX/XX/XXXX I noticed a late payment was listed for the account. I called member services and asked why the late status was listed if I was approved for a XXXX extension. The agents stated the extension was not correctly labeled in my account. I asked for the issue to be corrected. I checked my credit again in XX/XX/XXXX and now there is a second late payment reported on the account ( for a total of XXXX late payments ). I checked my XXXX bank statement and all payments from XX/XX/XXXX - XX/XX/XXXX and from XX/XX/XXXX, XXXX XXXX, XXXX have been automatically debited from my account as agreed. The company has failed to correct the information and is fraudulently charging a {$15.00} late fee on my account every month for the past XXXX months despite automatically withdrawing the payment amount monthly.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On Friday morning XX/XX/year> when I received my paycheck I started paying bills and using XXXX to receive money and pay people back. I went to XXXX money to my XXXX  account and they flagged it as fraud. I called them and they said it was ok for me to XXXX money to myself in another account and to try again. When I did it again they closed my account and told me Im committing fraud. I only had {$490.00} for the Week for groceries. Thank goodness for emergency food stamps because of what they did. On Saturday I get a message in my email stating my account is XXXX which is impossible if they closed the account. Nothing should be able to be charged if the account is closed. They couldnt explain why this was when I called Saturday Morning on XX/XX/year>. Im not sure what is going on and if and when I will ever get my money.
Consumer complaint received 2023-11-03
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. (KY)

On XX/XX/2023, {$2200.00} was fraudulently charged to my XXXX XXXX card to a company called " XXXX ''. There was XXXX separate transactions for {$51.00} totaling {$2200.00}. I called chase to report the fraud. They said the charges were made in XXXX XXXX with XXXX XXXX. They removed the balance, replaced my credit card, and said they would submit it to their fraud investigators. Today the {$2200.00} balance was was added back to my account along with XXXX separate " foreign transaction fees '' for {$1.00} cents each, totaling {$2300.00}. I called Chases fraud team and they said that my fraud claim was denied and they found the {$2300.00} was a legitimate charge, MADE BY ME, strictly because it was made with XXXX XXXX. I explained to them that I DO have XXXX XXXX BUT the card that was used for the fraud was NEVER REGISTERED to my XXXX XXXX account so there's no way it could have been me. I also explained that I personally made charges here in the United States on XX/XX/2023, the same day of the fraud, so there is no way I could be in XXXX XXXX AND the United States at the same time. They said there was nothing else they could do and that l am responsible for paying the {$2300.00} balance. They said if I could prove it was identity theft that would help in proving the charges were fraudulent. Please help.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Re : CFPB Complaint Number : XXXX Dear Equifax, I am writing to follow up on my dispute submitted through the CFPB Complaint Portal XXXX XX/XX/year>, regarding inaccuracies in my credit report. As of today, XX/XX/year>, I have not received a resolution to my dispute, which exceeds the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ).

According to the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), credit reporting agencies are required to investigate disputes and resolve them within 30 days. Since this period has now elapsed without a final decision or correction to my credit report, you are in violation of the FCRA. Due to this delay and failure to comply with the FCRA, I have suffered punitive damages, including but not limited to : - Denied Credit Application : {$5000.00} - Increased Interest Rates on Existing Loans : {$2500.00} - Emotional Distress : {$2000.00} Total punitive damages amount to {$9500.00}. Given the lack of timely resolution, I request immediate action to delete the following disputed accounts from my report as required by law : XXXX. XXXXXXXX XXXX XXXX  - Account # XXXX XXXX. XXXX XXXX  - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX  - Account # XXXX XXXX. XXXX XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - Account # XXXX I expect immediate action to rectify this matter and provide confirmation of the deletion of these accounts from my credit report at your earliest convenience. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 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 2024-08-04
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. (WA)

I have on multiple occasions disputed a XXXX XXXX XXXX XXXX  REPORT ON MY CREDIT FILE. 

XXXX continues to hold me accountable for fraudulent transactions on a bank account I opened in XXXX. Within two months my account was closed after my debit card was stolen out of the mail. Someone rented a XXXX XXXX and made fraud check deposits and withdrawals at an atm. I disputed this activity and requested an investigation. 
XXXX, instead turned me into collections. 
XXXX, dispute numerous disputes filed, identity theft. Gov and police reports provided, continues to keep reporting this derogatory fraud account from XXXX. 

In addition, I am in THE STATE OF WASHINGTONS ADDRESS CONFIDENTIALITY PROGRAM and have only a po box for mailing. 
The credit agencies keep posting my physical address on my credit file putting me in danger. Ive expressed the need for it to be removed. While they did remove it. I have been receiving mail from all my creditors now addressed to my confidential address.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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. 


Equifax 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