davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-08-29
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. (GA)

No company nor XXXX, XXXX, or Experian has replied to me within 30 days.The accounts on this affidavit are not familiar to me and I do not recall consenting to contracting with any or these companies to the best of my knowledge.Under the doctrine of estopel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.In attempt to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my hand written wet signature, and proof of you authority in this matter. With no evidence, you must terminate/remove these accounts/correct any erroneous reports of this debt as mines.I have no account with these company's.I ask XXXX, XXXX, Experian to the listed companies authorization, under 15 USC 1692 ( e ) and 15 USC 1692 ( f ), that the companies have the right to collect the debts which are erroneous to the best of of my knowledge.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-09-20
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. (GA)

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : CXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
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: Continental Finance Company, LLC (FL)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2023-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (FL)

MONEYLION is lying and claiming I owe them money so that they can deny me access to their instant cash program. I do not owe these scammers anything. 

They are clearly trying to extort me for their personal gain to fund their elicit habits. 

This is the only chance that this scam has to do what they are told. If they continue to refuse and extort me, I will be forced to pursue legal action to get what I want.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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: LendingPoint Holdings LLC (FL)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-16
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: CLGF Holdco 1, LLC (NY)

I got a report on my XXXX XXXX XXXX account that my score decreased because there was an inquiry and account was tried to be obtained and opened. When I tried to contact the company, the phone is disconnected. They sent me an email with an address I had about XXXX  years ago. The email had no way of responding to them, and only asked for me to provide my personal information to them via fax. This has messed up and lowered my credit score and I want this immediately removed from my credit report. I never made this inquiry and feel this company is a scam, or someone is trying to do something with my information. The inquiry hit my credit report yesterday on XX/XX/2024 and I got an email from the company today, XX/XX/2024 requesting my personal information. I spoke to a XXXX representative and was told how to go about this. The phone number they gave me for the company is disconnected.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I did not authorize nor applied credit for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Since 2020, my small business had a credit card with Bank of America with a XXXX limit. This card was used strictly for business purposes. The account was paid on time each month ( never late ) and then completely paid off in a lump sum payment of {$15000.00} and currently has no balance. My business never had one late payment on any debt owed. Shortly after the entire balance was paid, Bank of America sent me a letter stating that they had reduced my limit down to {$1000.00} due to a derogatory public record or collection and too few accounts paid on time. This was a complete fabrication. There have been no accounts, business or personal that have not been paid on time. There has not been one late payment on my credit either business or personal in over 10 years. The Derogatory public record they are referring to, was on my credit report from several years prior to applying for the business credit card and that record would have been a part of their decision when approving the credit line. In other words, they approved the credit card and gave me a {$20000.00} limit with the derogatory record on file. When speaking to the representative, they based a decision to negatively affect my business credit score because we only paid the minimal balance each month even though it was paid on time and we had just sent them a {$15000.00} payment to pay the balance in full. My business credit is being negatively impacted
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

Phone stole XX/XX/23, Chime account accessed and the following transactions done : XX/XX/23 {$60.00} XX/XX/23 {$200.00} XX/XX/23 {$500.00} XX/XX/23 {$150.00}. Police report filed and sent to Chime with disputes for fraudulent activity. Chime declined my disputes. Called and requested another dispute be filed and Chime declined again. Previously submitted complaint to cfpb and company still declined dispute.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have had this card for a awhile the XXXX card with XXXX XXXX since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.
Consumer complaint received 2024-01-25
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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)

in accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
XXXX : ( XXXX ) XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 
XXXX XXXX.to XXXX XXXXET, Monday- Friday ( except federal holidays ). 
15 U.S.C 1881 Secticag 604 A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions
Consumer complaint received 2023-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MD)

Around XX/XX/XXXX I received notice that I owe money to XXXX XXXX XXXX via Zions Debt Holdings. I was told that this debt was from XXXX. I told the lady that i am not aware of owing XXXX any money and suggest them send me over documentation showing me such. I have not received any paper work since. I asked what is the process in filing a fraud claim against this and they said that I have to file a report. I have looked about my records and recalled me canceling this service in XXXX. Also, I don't recall receiving any invoicing after i canceled service. Not knowing the true dates of this service i have to believe this is fraud or Identify theft. I wish this debt to be forgiven and deleted off my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-04-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (KY)

I got an insurance policy with XXXX XXXX and I wanted liability only. They put full coverage and charged me for that every morning month. I cancelled the policy due to the expense and they turned me in to a credit collection agency. They refused to validate the debt when asked and I want this taken care of.
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (NV)

I bought a Vanilla Visa gift card valued for {$100.00} on XXXX XX/XX/2023. It only had XXXX digits on the front instead of XXXX digits rendering the card unusable. I established a case number with Vanilla Visa Customer service that same day. ( Case # XXXX ) I was told to send a picture of my driver 's license, a picture of the credit card and the receipt which I did. I waited about 2 months and decided to e-mail the folks who created my case number as I had not heard anything pertaining to my case. I received no response. I emailed them again after 3 months had gone by and still no reply. I called them ( XXXX ) and was finally able to talk to a live person. This person asked me the same information that I sent them when I established a case number. After spending XXXX minutes on hold I was told that this case is still under investigation. Although it is probably not much money to them, it is a lot to me. What worries me is the fact that I have inquired to see how many people this has happened to. I have seen that it has happened to a lot of folks and some folks have waited as long as 9 months without resolution. I would appreciate any help you could lend in this situation. You were referred to me by the Attorney General 's office. The picture I am sending you is the card and receipt which was sent to Vanilla Visa on XXXX XX/XX/2023. Thank yo
Consumer complaint received 2024-07-29
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the account is fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-12
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Zillow Group Inc. (OR)

XX/XX/XXXX, XXXXXXXX XXXX defect specialist, XXXX XXXX, requested my driver license to be sent to him via an email without any explanation and portal to upload the document. This issue had happened in the past with XXXX XXXX, XXXXXXXX XXXX Mortgage Loan Processor. I have provided all requested documents but they never explain why I had to do so. 

During the closing period, XX/XX/XXXX - XX/XX/XXXX, XXXXXXXX XXXX team did not updated the closing process in a timely manner, I had to email and call them multiple times to check and they always requested for new documents urgently. This put a lot of unnecessary stress in our closing process.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (GA)

I have contacted aidvantage about the inaccurate information on my credit report. I have sent updated information based on my XXXX  XXXX XXXX  and informed them that y credit states I'm delinquent on accounts all the way back to 2008. These derogatory marks on my credit report are affecting my credit report and homeownership.