davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX  XXXX 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 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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (FL)

XXXX XXXX I was involved in identity theft account potential XX/XX/2020 XXXX credit XXXX is not me involved in identity theft c Account open in XXXX I have XXXX addressed to be removed on my credit report also phone numbers
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I XXXX  been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (NJ)

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all of these fraudulent unauthorized inquiries for my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit and is reporting false information to future creditors. XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-09-20
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. (NJ)

XXXX XXXX XXXX send me a PDF format file regarding a complaint true the CFPB portal ( see Attachment ) and in this letter they stated clearly they bought the account # XXXX from XXXX XXXX  and stated the follow paragraph in the letter, " With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, however, the Current Owner is not reporting the Account to the credit bureaus '' ( see attachment letter ) .... 

Experian in their own portal inform me they had updated the status of this account and the validate the account under XXXX XXXX with a Balance of {$1700.00} .... ( SEE ATTCHMENT ) 1. HOW TWO CAMPANIES CAN HAVE THE SAME ACCOUNT IN THEIR HANDS WITH THE SAME BALANCE????

2. WHAT METHODE DID EXPERIAN USE TO VALIDATE THIS ACCOUNT STILL UNDER THE NAME OF UPSTART AND WHERE ARE THE DOCUMENTS OF THIS VALIDATION??.

3. I REQUESTED SIGNED DOCUMENTATION AND BILLS FROM ALL COMPANIES AND ALL FAIL TO PROVIDE THE REQUESTED DOCUMENTS
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (IA)

My check for deposit into my account was overnighted to Axos Bank and I received proof of delivery that it was signed for by XXXX XXXX on XXXX  at XXXX XXXX My check also had a deposit slip stapled to it. By XXXX XXXX I noticed that my check was not deposited. I called the bank and was told to wait one more business day for the deposit. I asked if she could see my check and she replied that she " can not see the details of my check ''. So she lied to me. I asked to speak with someone who could help me since the only thing she would tell me to do was " wait one more day ''. She would not transfer me or provide me with a different phone number. Finally, she told me to send the proof of delivery in a secure message through my online bank. So I did. I rec 'd an automated message back confirming the receipt of my message and a case created. I received no status update on XXXX XXXX  On XXXX XXXX  replied to my case. I did not receive a response. On XXXX XXXX I sent another message, I did not receive a response. I called the bank the same day and got someone on the line, but they disconnected from me. On XXXX XXXX, I called the bank and was told the same info from my XXXX XXXX  call. This is unacceptable. I asked to file a complaint and they would not transfer me to anyone, saying that they are unable to do so. 
After many times of going back and forth, he emailed me a form titled Affidavit of Unauthorized/Altered or Forged Check, which doesn't make any sense! My lost check has not even been cashed. The bank straight-up lost it. I can not get anyone to take charge of my case or even speak with someone higher up with the knowledge to assist with my case. I am getting absolutely NO HELP.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX Experian XXXX are reporting my credit card utilization which the law say it is illegal to report transaction history 15 U.S.C 1681a ( 2 ) Exclusions. I did not give them any written consent verbal or nonverbal authorization to add anything to my consumer report which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat.146 ) I also have accounts on my credit report that are " Charge Off 's '' & is considered a Certificate Of Indebtedness which means its income & can not be reported to my credit report & needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are Charge Offs which need 's to be removed. Experian XXXX XXXX have inquiries I need removed from my report that I do not have open accounts 15 USC 1681b Permissible Purposes Of Consumer Report. I also need all late payments to be updated to paid on time 15 USC 1966b Timing Of Payments. I also need all credit bureau 's to assure maximum accuracy of information on my report15 USC 1681e ( b ) Compliance Procedures Accuracy of report because the information do not match not even my credit score everything needs to match which is violating section 1681b Permissible Purposes & 1681c Requirments Relating To Information Contained In Consumer Reports also 15 USC 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years which they have five records that are more than seven years old on my report that needs to be removed & these accounts is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s -2 ( A ) ( 1 ). they also violating the Privacy Act of 1974
Consumer complaint received 2024-06-26
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

According to 15 USC 1681b The law states that You have to give them written consent to furnish your information and or obtain your information to be reported on your credit report. Well I have not given them any type of permission.
Consumer complaint received 2024-04-25
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (LA)

Experian XXXX XXXX  XXXX XXXX TX XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX - XXXX As of XX/XX/24 per a CFPB response from XXXX XXXX XXXX, they are unable to locate an account based on the information provided ( full name and account number listed on report ). I have never done business with XXXX XXXX XXXX so this is accurate. The letter is attached. 

As you know it is against the law to report any information not proven accurate. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ) it is illegal to report any information on my credit report without my permission.

I demand that you provide me with concrete evidence of my obligation to said accounts. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark.
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: Experian Information Solutions Inc. (LA)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (AZ)

I am owed {$220.00} from my Venmo account that they all of sudden closed my account and are claiming I broke their rules and now theyre keeping all my money because of high risk liability. I did nothing illegal and I am just upset because been emailing and calling for over a month and they refuse to tell me anything due to protection they claim. They make me feel like I am a huge bad guy kingpin and treat me like a criminal when all I am is a single dad. Need help getting my money returned
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
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: Experian Information Solutions Inc. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency d

irectly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I deposited a {$13000.00} personal check received from my friend as a gift. The next day my bank ( Chase bank ) restricted my account and put a hold on that check. I called the customer service to see what its happening. The representative simply told me they can not lift the restriction until they could verify the maker of the check through their system. On XX/XX/XXXX my friend and I went to the chase branch to verify his check and being told they can not accept this type of verification. The only way to verify his identity is to find his phone number from their system. Unfortunately my friend just changed a new phone number and they couldnt find it. So we left Chase frustrated. The same night he tried to stop payment of this check with his bank ( XXXX  XXXX XXXX ). But his bank told him the check has already cashed by Chase bank and they cant stop any more. On the XXXX I went to Chase branch to seek help from the branch manager, she called many different departments inside the bank and even file a escalation on my behalf. Nothing works. Only to find out Later they might close my account and hold my {$13000.00} in their hand until they can verify my friend in their system. It just seems like there is no way to resolve the issue. There is nothing I or he can do. We even asked them to just return the money to where it was and they said no. I called them everyday to check the status but nothing changed.