davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Fraudulent Collection Account Due to Equifax Data Breach Dear Equifax, I am writing to formally dispute a collection account that is currently being reported on my credit report by XXXX XXXX XXXX. This account is not mine and I believe it to be the result of identity theft that occurred due to the well-documented data breach at Equifax. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Date Reported : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that this account was fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute this account for the following reasons : Inaccuracy : The account listed does not belong to me, and I have never had any dealings with this creditor. 
Identity Theft : This account was opened fraudulently using my personal information obtained through the Equifax data breach. 
To support my dispute, I have enclosed the following documentation : I request that Equifax conduct a thorough investigation of this fraudulent account and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify XXXX XXXX XXXX of the deletion of the account from my credit report. 

If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I deposit my paycheck on XXXX XX/XX/2023 to my Chase account, mobile banking showed it would be on hold until XXXX XXXX 2023. 

On XXXX XXXX 2023 I checked my mobile banking again it shows the fund became available. 

On XXXX XXXX 2023 I found my account was closed by Chase without any notice. I visited their branch in XXXX XXXX, CA XXXX and also called their service hotline, they just keep telling me the bank closed my account because the check issuer bank ( XXXXXXXX XXXX ) needed to verify the check I deposited on XXXX XXXX, so that Chase will need to close my account as some sort of procedure. And all my deposit in that account ( around USD {$12000.00} ) was being cut into checks and sent to me via mail, which I should receive them in XXXX week of XXXX. 

I can not understand the rationale of my account being closed due to a need of verication on a single check. If the check needs to veried or there is any problem with it then just reject the check deposit. Now all the fund in my account became unavailable for at least 2 weeks. What if I needed that money during this period? This is totally unacceptable.
Consumer complaint received 2024-04-24
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. (NJ)

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to XXXX. It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXXmay be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX  conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX, XXXX and XX/XX/year>. This reason for the late payments I was XXXX XXXX XXXX in between time due to serious health issues and being a XXXX XXXX XXXXXXXX. I've attached a letter and hospital documentations below. Please read and take it into consideration
Consumer complaint received 2024-04-24
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)

Greetings hope all is well I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencips have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Il this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding
Consumer complaint received 2024-05-16
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. (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 XXXX  Account NumberXXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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 2024-04-24
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)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681 - Procedure in case of disputed accuracy. 



Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency XXXX be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 



While these third party XXXX attempted to collect a debt that is not mine, they broke XXXX XXXX XXXX XXXX - XXXX liability. I am maintaining a careful record of my communications with your agency and the false reporting XXXX for the purpose of filing a complaint to the XXXX the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), they may be liable for false reporting.

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
Consumer complaint received 2024-04-24
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. (FL)

I recently reviewed a copy of my credit report and noticed Inhad fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.
Consumer complaint received 2024-04-24
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. (NY)

Subject : Dispute of Repossession Entry on Credit Report To Whom It May Concern, I am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. 

The entry in question is as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> I respectfully assert that this entry is inaccurate for the following reasons : XXXX. Lack of Proper Notification : According to UCC 9-506, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law.

2. Failure to Sell in a Commercially Reasonable Manner : UCC 9-506 also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle.

3. Violation of State-Specific Laws : Additionally, [ State Name ] state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession.

I request that you investigate this matter promptly and remove the inaccurate entry from my credit report. Please provide me with written confirmation once the investigation is complete and the entry has been corrected.

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-09-12
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I found an ad on XXXX for an apartment. The security deposit was {$1100.00} and once paid I was supposed to get the keys and that never happened. Additionally, the party said they never received the money which is a lie because both XXXX XXXX and Zelle have the proof. They refused to send my money back, so I had to report it. Obviously, I was scammed.
Consumer complaint received 2024-05-16
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. (TX)

I am writing to formally dispute the inaccurate reporting of a XXXX XXXX XXXX  on my credit report, filed on XX/XX/year>, under reference number XXXX. According to my records and a recent conversation with the XXXX court, they confirmed that they do not report to TransUnion or any other credit bureau. This indicates that the information listed on my credit report is erroneous and not substantiated by any legitimate source. Details of the disputed item : Classification : XXXX, Type : XXXX XXXX XXXX Responsibility : Individual, Reference Number : XXXX, Date Filed : XX/XX/year>, Asset Amount : {$0.00}. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and verifiable. Since the XXXX court does not report such information, this entry on my credit report is unverifiable and must be removed immediately. I request that TransUnion conducts a thorough investigation into this matter and removes the inaccurate XXXX XXXX XXXX from my credit report. Please provide documentation and evidence that links this XXXX filing to my credit report, or promptly delete this erroneous entry. I expect a prompt response to this matter and an updated copy of my credit report following the removal of this incorrect information. Please contact me directly at the phone number or email provided above should you require further information or documentation from my end. Thank you for your immediate attention to this urgent issue.
Consumer complaint received 2024-04-24
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. (NY)

Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments 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 I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately. 

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
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. (NJ)

I am writing to formally dispute the validity of the alleged debt associated with the above-mentioned account. I request that you provide the following information to validate the debt and your authority to collect it, as required by the Fair Debt Collection Practices Act ( FDCPA ) and New Jersey state laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : Please provide evidence that XXXX XXXX is licensed to collect debts in the state of XXXX XXXX XXXX This should include a valid XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX of XXXX with XXXX XXXX : Please provide a copy of the contract or agreement between XXXX XXXX and the original creditor that grants them the legal rights or authority to collect on the alleged debt. This document should clearly show that you have the legal standing to pursue this debt collection FDCPA VIOLATION Communication with third parties : I am also concerned about your company 's communication practices, particularly with consumer reporting agencies such as Experian, XXXX, and XXXX. I have reason to believe that you may have communicated information about this alleged debt to these agencies without my prior consent or authorization, which would be a violation of the FDCPA. 

Failure to provide this information and continuing collection efforts without validation will compel me to take legal action to protect my rights under the FDCPA and New Jersey consumer protection laws. 

Please respond to this dispute within XXXX  days from the receipt of this letter. If you fail to provide the requested information within this timeframe, I will consider the debt invalid and will take appropriate actions to dispute and rectify this matter.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OH)

Chase bank representatives shared misleading information regarding a credit card offer regarding new card member bonus points and that I am eligible to apply. But when I applied, the card was not approved citing I am not eligible to apply. Now unnecessarily I will have to carry the hard enquiry on my credit history plus, I did not get approved for the card to avail the bonus offer either. The customer service department of Chase did not provide any resolution eve after filing complaint against them. Requesting XXXX  to help in this regard.
Consumer complaint received 2024-04-24
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. (NY)

I'm finding information reported on my credit report without my permission. This is illegal to do. I feel also that I have been targeted. I find it illegal also to share information about me with any of my employer 's without my consent.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

There is a late payment reporting on my mortgage loan Nationstar Mortgage. That late is the one that was n't my fault. I gave them my account info for that months payment and an auto set up for the next month. They got it right for the auto payment for the next month but somehow did n't get it right for that month. But it was on their end not mine. I did address and it was to be corrected and the remark still has not