davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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. (IL)

I was trying to buy a house and that's when it was brought to my attention that this damage was on my report. According to 15 USC 1692GB, the agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior. I was not notified. As the original creditor, only I can validate this debt. I did not validate this debt. Therefore, the following accounts must be deleted from my credit report immediately. 
Account : XXXX XXXX XXXX  Account # XXXX Amount : {$2500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$2200.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$500.00} I have no knowledge of this Account Account : XXXX XXXX XXXX Account # XXXX Amount : {$13000.00} I would also like to highlight that under Section 623 ( a ) ( 2 ) of the FCRA, the entity providing this information to you has an obligation to correct, VALIDATE, VERIFY, and update relevant information to ensure its accuracy. If they have failed to do so, they maybe in violation of the FCRA and in turn these accounts need to be deleted from my consumer file immediately if they can't be validated and verified.
Consumer complaint received 2023-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

On XX/XX/2023, we talked by phone with XXXX and we sent you again via email proof of coverage " Full Value ''. 
XXXX XXXX XXXX XXXX confirm that the apartment has no improvements, so we do not understand why Selected Portfolio continues requesting H0-6 coverage. 
I would appreciate it if you could confirm the reason for requesting coverage H0-6.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

In accordance with the Fair Credit Reporting Act MIDLAND CREDIT MANAGEMEN has violated my rights for multiple accounts reporting on my credit. 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 also states a consumer reporting agency can not furnish an account without my written instructions.

This has taken a toll on my credit score right around this time of me looking to purchase a home which is causing me major inconveniences! I know my rights as a consumer and I will use them! Absent validation, both your company and Midland Credit Management are in violation of Federal Law, for btu not limited to, continued collection activity on an invalidated debt pursuant to FDCPA 809. Validation of debts [ 15 USC 1692g ] ( b ). My suggestion is that you return this account to the previous collection agency and demand your money back, and/or compensation for time wasted pursuant to the Qualifying RECOURSE accounts provision of your purchase / assignment contract. Any information about these alleged debts that have been reported to the credit bureaus, I demand that you delete that information immediately, or I will have no choice but to take legal action against you for knowingly Furnishing on unverifiable information to the credit bureaus with the sole purpose of tarnishing my financial reputation. You have XXXX  days to remedy this matter.
Consumer complaint received 2024-07-30
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-16
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. (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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2019-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On the evening of Wednesday XX/XX/XXXX, my personal PC notified me that there was an infection. My computer was slow sluggish with multiple processes active that I had no idea about. The infection allowed remote control of my pc. I did my very best to use whatever software I had to help clean the infection over the next few days days. 

On Thursday XX/XX/XXXX, my personal email address that I use for multiple account was flooded with thousands of emails per hour. This was a red flag. 

Also on XX/XX/XXXX, my XXXX account was compromised and there were 2 orders placed that were unauthorized as claimed by XXXX. 1 was a a gift card for {$50.00} to an unknown person and email address. The other was an item purchase ( {$34.00} ) that was sent to myself as a cover up. XXXX has addressed the item for {$39.00} claiming it was unauthorized but not the purchase of the gift card. This all was discovered that night. 

Also on XX/XX/XXXX, my Chase account was accessed and sent a {$500.00} quickpay transaction and tried to spoof it according to my 2 other quickpay historical transactions. I send money on rare occasions to my fiance. The hacker used the same name but instead of sending it to her email ( linked to her chase account ) like I typically do, it was sent to a random phone number. 
I noticed the transaction with an alaert on Sunday XX/XX/2019. Chase took immediate action, refunded my money and investigated. 

I had a fresh install of XXXX on XX/XX/XXXX to remove any last traces of an infection. 

On today XX/XX/19 I discovered that Chase did a reversal of the money and withdrew that {$500.00} back out of my account. At no time did a Chase representative call me to ask me my story during their investigation. I went to a branch to see what they could do. They claimed that the transaction came from my same IP address. This would make sense seeing as my computer had been compromised and remotely accessed. 

What Chase is not considering is that the hacker had access to my computer and made transaction while I was not at it. I will ask them for times associated with the transaction and will use my XXXX location history to prove I was not indeed at my computer at those times. 

I am in the middle of submitting a reclaim with chase and providing documentation to support it. 

I have since increased my security, changed all my passwords, had chase issue a debit card and put XXXX security on all my accounts.
Consumer complaint received 2023-11-30
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: GOLDMAN SACHS BANK USA (AZ)

Date of Letter : XX/XX/2023 Attention Dispute and Complaint Departments of : Consumer Financial Protection Bureau Apple Card/GS Bank USA/Goldman Sachs XXXX XXXX XXXX XXXX XXXX Dispute of Unauthorized Charges That Were Not Made on My Physical Card With Apple Card/GS Bank USA/Goldman Sachs Resulting in Negative Mark on My Credit Bureau Report Refusal of the Bureaus Willing to Delete The Negative Mark Despite Reversal of Charges That Were Found in My Favor Due to Fraud Dear Supervisors and Those in Charge of Complaints, Earlier this month I contacted customer service of the Apple Card via telephone after I was notified by XXXX XXXX that there was a negative mark/report added to my almost perfect credit due to a supposed late payment of 30+ days. Upon calling Apple customer service, it was discovered that charges for several months were made not on my physical card but digitally perhaps from Apple phones I donated. Therefore they reversed over {$700.00} in charges which obviously would not have made me late on a payment. However, the credit bureaus are still keeping the late payment report on my credit and worse yet, its not scheduled to be deleted until XXXX. Thats ridiculous! My credit score was over XXXX prior to this incident that was not of my doing. Apple Card now owes me a check of {$720.00} due to all of these fraudulent charges. Therefore, I am demanding that these negative 30 day late reports be taken off all three credit bureau reports, which are greatly affecting my credit score of near perfect. 

XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-11-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (SC)

requested debt vaiidation from XXXX of wthis year, all payments was to stop until i get my information requested, but they still billed me which is a violation of the comsumer law. they have ignored my notarized letters requesting this information
Consumer complaint received 2024-06-25
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. (DC)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely Equifax, XXXX, and XXXX, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions

may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly.

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.
Consumer complaint received 2024-05-16
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. (TX)

It's been More the 30 days this letter was send out and haven't hear from your company. Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. all 3 account 1 ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Report # XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-06
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. (IL)

I am writing to dispute fraudulent inquiries on my credit report, which I firmly believe to be in direct violation of the Fair Credit Reporting Act ( FCRA ), a federal law designed to ensure the accuracy and fairness of credit reporting. Upon reviewing my credit report, I have identified several unauthorized inquiries that I did not authorize or consent to. 
The FCRA, under Section 604, grants consumers the right to receive disclosure of information in their credit files upon request. As such, I am formally requesting a complete and accurate disclosure of all the information in my credit file, including the nature and details of the fraudulent inquiries, as required by Section 609 ( a ) of the FCRA.

Furthermore, Section 611 of the FCRA allows consumers to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right and requesting a thorough investigation into the fraudulent inquiries in question.

According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I demand that you promptly conduct a diligent investigation into the legitimacy of these inquiries. This investigation should include verification of the authorization obtained from me or any other appropriate documentation proving the legitimacy of these inquiries.

In accordance with Section 611 ( a ) ( 1 ) ( B ), I request that, upon verification of these inquiries ' fraudulent nature, you remove them from my credit report immediately. Additionally, I expect you to notify all three major credit bureaus, namely XXXX, XXXX, and TransUnion, of the removal of these fraudulent inquiries to ensure the accuracy of my credit file. 
I am also seeking written confirmation of the investigation results and any actions taken to rectify this matter. According to the FCRA, you are obligated to provide me with a written response within 30 days of receiving this dispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ).

Please be advised that any failure to comply with the FCRA 's provisions may result in legal action and reporting of your non-compliance to the appropriate regulatory authorities.

I have enclosed a copy of my credit report with the suspicious inquiries highlighted for your reference. If any additional information or documents are required to facilitate the investigation, please inform me promptly.

I trust that you will handle this dispute with the utmost seriousness and in strict adherence to the provisions of the FCRA. I expect a comprehensive investigation and a swift resolution to correct my credit report accurately.
Consumer complaint received 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Since I was XXXX, I have always paid the statement balance for all my credit cards. I have never been charged a late payment or interest in my life. Since taking out a promotional loan from Citi Bank, the statement does not correctly show the amount I need to pay to avoid interest charges. The statement includes the interest-free loan as what is due and does not separate new charges appropriately. For the last 4 billing cycles, I have called in, sometimes multiple times for one issue, requesting the correct amount to pay to avoid accruing any interest. Each time I call, every agent always starts with the same answer, they include the account balance as the amount I need to pay which includes the interest-free loan. I then explain that I have the interest-free loan and then they gave me the amount that is labeled on my statement as " Purchases ''. I pay that amount and then get charged interest. After the first time this happened, I called back to figure out what went wrong and all I got were the same answers. One agent even told me that I owe money for the transactions that are current but have not been generated on any bill and were transacted after the most recently generated bill. I am filing this complaint because I am at a loss. I have tried for 4 months to get in touch with someone who can help me!