davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I am writing to formally lodge a complaint regarding the closure of my account with Chase Bank on XX/XX/year>. Upon contacting customer service, I was informed that I would receive a cashiers check for the remaining balance of {$460.00}, as well as a notice explaining the reason for the account closure. However, as of today, XX/XX/year>, I have yet to receive either the funds or the notice.
Consumer complaint received 2023-09-01
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2024-07-29
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. (GA)

Subject : Dispute of Inaccurate Information on XXXX and Clarity Services Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX and Clarity Services consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute. 
Specifically, I request the following details regarding your investigation : 11. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

12. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation. 
13. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

14. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

15. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXX and Clarity Services violate my rights under the following laws : 11. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports. 
12. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

13. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information. 
14. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

15. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years. 
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX and Clarity Services. Specifically, I ask that : XXXX. XXXX and Clarity Services provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX and Clarity Services corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX and Clarity Services report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (KY)

This is my 3rd request for an investigation of an account by Clarity Services, which is my consumer right according to the FCRA. Yet this company has refused to investigate twice and closed my complaint twice. The reason Clarity says they closed my complaint is " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' However, everything about the submission of my complaint is legitimate. I demand that this account be deleted immediately because I don't know why it's showing on my credit report. I do not have an account with XXXX XXXX XXXX Account # XXXX. I am not liable for this debt. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : States that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instruction. I have never given Clarity Services written instructions either. I XXXX XXXX wrote this complaint alone and without help. I have attached my Drivers License, Home Lease, Social Security Card, and a Current Utility Bill. Please delete this inaccurate collection account and mail me a corrected copy of my credit report/ file.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on TransUnion 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. TransUnion is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and dates in question are : XXXX XXXX  XXXX, XXXX, XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (PA)

My account with one main financial had insurance on it. After I lost job the insurance covered nothing of what expected. Contact became difficult and I was told to make payments that were less then my monthly payment. The account defaulted and now I have a car with no title possession. One main financial used my car title for loan.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2023-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NE)

Credit Collection Services reported a {$580.00} collection account onf credit reports. I've attempted to seek a validation letter and haven't received one, but disputes keep coming back within FCRA guidelines. I've contacted XXXX, and they have no record of account. Looking back I received a quote a from an email listed as XXXX, this email leads to a phishing site. Without validation and no account per XXXX this is a fraudulent debt and needs to be removed.
Consumer complaint received 2024-05-04
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. (AZ)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (TN)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 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 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
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Timely payments are always a priority for me, and I am certain about this. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing error should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2024-05-04
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. (MI)

was just looking over my credit report on XX/XX/XXXX and found some information that appear to be incorrect. 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. Equifax continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. 
I am writing to dispute the XXXX XXXXXXXX XXXX listed on my credit report. The bankruptcy was filed on XX/XX/XXXX, under case number XXXX!. However, I would like to bring to your attention that this XXXX XXXX XXXX has been dismissed by the court. 

As a result, this bankruptcy entry should not be included on my credit report. The dismissal of the XXXX XXXX XXXX means that it was not completed and should not be considered as part of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and up-to-date information on consumer credit reports. The inclusion of this dismissed bankruptcy entry is misleading and negatively impacting my creditworthiness. 

I kindly request that you investigate this matter and promptly remove the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy entry from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

This debt was Originally attempted to be charged by XXXX. I paid all required monies when i cancelled the account. they attempted to run my fees past the date of cancellation. I tried dealing with them originally, about XXXX years ago. They subsequently sold the debt to other debt collectors. I then submitted my information ie.., proof to the reporting agencies that showed the first debt collector claiming a bad debt to my credit. They subsequently removed denied their claim. This occurred XXXX more times recently with each new event another debt company they shuffled it through. The most recent : Credence Resource Management , LLC. the amount claimed is XXXX is there any way to stop this shell game they keep playing? 
Thank you.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (CA)

I acquired a credit card with Navy Federal some years ago, and I owed them a full balance. I had a hardship, and needed time to get my finances together to be able to pay them back. I called, and I was assisted with an option to make a " settlement '' for this a account. I paid my settlement with a 3rd party company, and they sent my documents for proof of paid in full by settlement. I spoke again with Navy Federal, and they said I still have a balance and will continue keeping my balance owed after settlement on my credit. Also, every time I have called them they constantly throw in my face that I will never be able to obtain credit with them again. At this point they are going to hold this debt against me on my credit report after paying my settlement.
Consumer complaint received 2024-05-04
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: EQUIFAX, INC. (SC)

I sent a cease and desist to XXXX XXXX XXXX  demanding the accounting and all documentary evidence of this alleged debt & they failed to do so. Any alleged debt transferred only transfers the debt, not the ownership nor obligation of the consumer. Im demanding them to immediately cease and desist through all mediums which includes reporting to the consumer reporting agencies. I am opting out of furnishing this information on my consumer report.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 

My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please find attached copies of my driver 's license and a bank statement as proof of my accurate address. 

In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. Please send a updated consumer disclosure report showing my accurate information.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$390.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXX Balance : {$340.00}
Consumer complaint received 2024-05-04
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. (MI)

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. 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. XXXX continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. XXXXXX/XX/XXXX acct number XXXX