davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-13
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-10
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. (NJ)

I have noticed i have has alot of inquiry on my credit reports for experian, XXXX, XXXX, that i have not authorize any of these companies to obtain a copy of my report. here are the companies and dates they pulled my credit. this is on my Exerian credit report .... 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, Here is what i noticed on 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  Here is XXXX XXXX XXXX XXXX XXXX XXXX. i did not authorize these companies to run my credit at all and definitely not multiple times.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

In the most recent SEC filing, it is evident that a second amended and restated indenture exists between CITIBANK CREDIT CARD XXXX XXXX, as the Issuer, and XXXX XXXX XXXX XXXX XXXX, as the Trustee. This indenture was filed on XX/XX/XXXX, for CITIBANK CREDIT CARD MASTER TRUST I and can be found on Citibank 's Investor Relations page. However, the current contact information for the trust indenture signee and the indenture trustee signee for CITIBANK 's master credit card trust is not available on the SEC. Neither the SEC website nor the websites of CITIBANK or XXXX XXXX XXXX XXXX XXXX provide this information in relation to this specific trust indenture. The absence of an identifiable indenture trustee signee leaves investors without a clear communication channel as noteholders. 

In the most recent 10-K filing dated XX/XX/XXXX, only XXXX XXXX and XXXX XXXX are listed as signatories, but not in the capacity of indentured trustee signees, merely as trustees. 

I have made attempts to contact both CITIBANK N.A. and XXXX XXXX  regarding this issue but to no avail. XXXX XXXX, in particular, responded via email, stating their inability to disclose this information about a U.S. bank due to " security reasons and to maintain banking secrecy ''. This response is neither valid nor consistent with the Trust Indenture Act 1939 and the National Bank Act of 1863, which guide the operations of the Office of the Comptroller of the Currency. It is worth noting that as part of their registration with the OCC for securities handling, this falls under the Corporate Trust, which governs the fiduciary activities of banks for investors in a specific security. 

The SF-3 filing section for CITIBANK , N.A . states that " The indenture trustee may resign at any time... In all circumstances, the issuance trust must appoint a successor trustee for the notes. '' However, there is no mention of when an indentured trustee signee would be included in the documentation as an update on this matter for the public interest. 

I am requesting that the most recent information be made public, as per the Trust Indenture Act ( TIA ) of 1939, to allow viewing of the current credit card trust indenture information in relation to the indenture trustee signee contact and contact information. 

A court case, Mertens v. Hewitt Associates, 508 U.S. 248, 1993, highlights that withholding such information due to a conflict of interest to the beneficiaries of the trusts as noteholders is not permissible. The case states that fiduciaries are obligated to " the proper management, administration, and investment of [ plan ] assets, the maintenance of proper records, the disclosure of specified information, and the avoidance of conflicts of interest. '' I kindly request your immediate attention to this matter and look forward to an update soon, as this information is not available on the SEC site or the entities listed on the documents in question.
Consumer complaint received 2024-05-10
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: Experian Information Solutions Inc. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-22
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)

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Reinvestigate the accounts listed below. 

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ). 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2019-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Over {$150000.00} in student loans and the amount keeps adding up. The interest is killing me and every time I asked for a deferment or some extra time they but my loans on forbearance and charged me interest.
Consumer complaint received 2024-05-10
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. (CA)

MY CREDIT PROFILE IS INNACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT
Consumer complaint received 2024-05-10
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)

Apparently, XXXXXXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Consumer complaint received 2024-05-10
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. (FL)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows XXXX XXXX XXXX XXXX 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (NY)

The previous reply from XXXX ( XX/XX/XXXXXXXX  ) via CFPB Case # : XXXX states : The Account originated on XX/XX/XXXX with Navy Federal Credit Union XXXX The Account charged off on XX/XX/XXXX with a balance of {$5200.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$5200.00}. 

Yet in the Court complaint states : 8. Upon information and belief, the statute of limitations for the cause of action asserted herein is 3 years and therefore has not expired. 
12. The last payment to the Account was on or about XX/XX/XXXXXXXX  in t h e amount of {$5.00}. 

XXXX still hasn't responded to my debt validation request or provided : 1 ) The original, executed credit agreement and all amendments. 
2 ) All documents related to proof of mailing of statements. 
3 ) All information and documents relating to compliance with XXXX. XXXX. Code XXXX, XXXX XXXX. 
4 ) All documents related to reporting made to any consumer reporting agencies. 
5 ) All documents relating to any dispute concerning the validity of the alleged debt. 
6 ) All documents relating to cancellation or termination of the agreement. 
7 ) All information and documents relating to acquisition of the alleged debt, including, without limitation, executed copies of all assignments/transfers I would like answers to the above before pursuing legal action against XXXX & its attorneys for lying in court proceedings and all costs/damages related to this lawsuit.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Balanced {$0.00} XXXX  XXXX XXXX {$36000.00}
Consumer complaint received 2023-10-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (VA)

This all happened today, XX/XX/23. 

The card mentioned " Use anywhere in the U.S. where Visa ( R ) debit cards are accepted ''.

The card is issued by " U.S. Bank National Association ''. The only two places mentioned on the card are the phone XXXX which is an automate only system ( contacted during normal business hours ) and the website www.prepaidgiftbalance.com which does not provide any contact us information besides the phone number. 

The issue : I tried to use my card online at XXXX, payment got declined. Registered the card, tried again, failed, set up a pin and tried again failed. 

Tried to contact the company but the phone system did not provide options besides lost card/check balance/set up pin. Nothing about talking to a person. 

The website support referred me to the phone number. 

I also reported this problem to the FTC. 

I will try to use the card in a store. 

Thank you for your time.
Consumer complaint received 2023-12-26
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. (CA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-10
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: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 2023-11-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: JPMORGAN CHASE & CO. (IL)

Subject : Complaint Against Chase Bank Regarding Unjust Account Freezing and Unexpected Contract Terminations Dear Sir/Madam, I am writing to express my profound concern and disappointment regarding a series of issues I am facing with Chase Bank , which include the unjust freezing of my business account, unexpected termination of my business line of credit, my Chase business credit card and my Amazon Chase credit card, as well as a subsequent lawsuit filed against me by the institution. 

I have been a loyal and responsible customer of Chase Bank since XXXX, maintaining my accounts diligently, making payments on time, and remaining within the agreed credit limits. However, in XX/XX/XXXX, Chase Bank froze my business account for three weeks without any clear explanation or prior notice. This action caused a significant setback in my business operations, resulting in the loss of multiple long-term and qualified employees due to the inability to access my funds. 

Furthermore, the freezing of my account led to the disruption of established payments from major insurance carriers, including XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX, among others. Chase Bank returned these payments back to the insurance companies, which led to my removal from their provider panel. The considerable costs associated with these payments have not been recoverable to this day. 

In addition to this, in XX/XX/XXXX, I was contacted by a Chase representative who offered a three-month payment postponement for my business line of credit. I accepted this offer in good faith, only to find my accounts terminated and a lawsuit filed against me two months later, demanding immediate repayment of the entire credit line amounting to nearly {$90000.00}. 

I find these abrupt terminations, the unjust freezing of my account, and the immediate demand for full repayment to be exceedingly punitive, especially considering the agreement for payment postponement offered and accepted in XX/XX/XXXX. 

I kindly request your assistance in this matter. I am seeking the immediate reinstatement of all my accounts, the termination of the lawsuit, and a resolution to the issue of the returned payments from major insurance carriers. I am more than willing to continue with my regular payments, as I have always done, but the demand for immediate full repayment is beyond my capacity. 

Thank you for your prompt attention to this matter. I look forward to your response and assistance in resolving these pressing issues. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-05-10
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-12-12
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. (CA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.