davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I've contacted the credit bureaus about inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CO)

XXXX or XX/XX/year> I went to cash a check at Chase Bank for {$710.00}. 

This check took maybe two weeks to receive from my employer.

Then it took maybe another two weeks to a month for XXXX to release the funds to me. 

They placed a hold on the check and when I went in person to find out why they said it would take 3 days. 
I went a second time or the same time and attempted to speak to an banker and they said everything had to be done over the phone they could not cash my check in person once it had been initiated via mobile deposit. 

This was my last paycheck when work had slowed during the pandemic. 
I want to understand how a bank can not help a customer in person or offer a phone to the customer to resolve these issues.
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (MO)

I contacted the collection company and indicated these are not my charges I was never at that hospital and it is showing up On my credit report as debit I owe and I do not. There are two charges from Wakefield & assoc that are not mine
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I was offered a loan to pay for this car monthly in XXXX Although, I made a down payment I did not give permission to this company to add this on my credit. By law they need my permission to add anything on my credit report from law FCRA section 605 ( b ).
Consumer complaint received 2024-09-21
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. (CA)

I am filing this FTC Identity Theft Affidavit to report several fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXr on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX I do not recognize these queries and I ask you to please delete them as soon as possible because they greatly affect.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Equifax is reporting fraud accounts on my credit report. I previously sent Equifax letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already Faxed an FTC report & copy of ID & SS card to Equifaxs fax number. Equifax has received my letters and was required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! However, Equifax has willfully failed to delete the disputed information as I requested in my dispute. Equifax 's action or inaction is an intentional violation of the FCRA. Equifax is also reporting inaccurate & fraud names, addresses, phone numbers & employers on my credit report. 
Thank You
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (IL)

I had a credit card with XXXX XXXX. XXXX XXXX charged off the account I once had with them without informing me before the account closed. 

XXXX XXXX admitted to selling all of my personal information on XX/XX/XXXX illegally without my consent ; which has put my identity in jeopardy. 

I have a letter from XXXX XXXX from XX/XX/XXXX that admits they sold my information to Midland Credit Management Inc. Also the letter states that when XXXX XXXX sold my information, they gave incorrect information regarding the account that was charged off. Before I received this letter from XXXX XXXX, Midland Credit Management Inc was already contacting me making false claims that I was in debt to them and placed the accused debt against my credit. I have not conducted any business with Midland Credit. I have made several disputes directly to Midland Credit Management Inc to remove this false claim from my credit and they still have yet to do so.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NY)

For the last year I have been back and forth with the credit reporting agencies about a collection agency called The Bureaus,  whose account have been reporting on my credit report. This account does not below to me. The credit bureaus keep responding stating that I should contact The Bureaus because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with The Bureaus which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the accounts are reporting on my credit report
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Tans Union is reporting fraud accounts on my credit report. I previously sent Trans Union letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXXXXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already uploaded a FTC report to Trans Union.com Trans Union received my letters and were required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belonged to me, anyone can open an account online using my info! However, Trans Union has willfully failed to delete the disputed information as I requested in my dispute. Trans Union 's action or inaction is an intentional violation of the FCRA. Trans Union is also reporting inaccurate or fraudulent Names, addresses, phone numbers & employers. 
Thank You.
Consumer complaint received 2023-12-21
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. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

This item does not meet the FCA reporting requirements. I dont not recognize how and why it is reporting delete immediately. I am not liable for this debt with Midland Credit Management inc. I do not have a contract with Midland Credit Management. They did not provide me with original contract or wet signature and ID verification. They should not be reporting my credit without contacting me and verification of these requested items
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (NJ)

On this date, XX/XX/year> a collection was opened by the following company, CREDIT CORP SOLUTIONS IN OPEN BALANCE {$2200.00} I have never signed any written document agreeing that I owe this debt to this collector. They are violating my rights of the FCRA as a consumer.

I do not have any knowledge of who this company is and I have no written consent from my behalf.

In addition, they have not verified that I owe this debt to this company. Please have this removed from all three credit bureaus. 

XXXX XXXX
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (CA)

I have had this account for approximately one year. I make my payments every month. I have even made two or three payments per month a few times. In XX/XX/2023, my payment was due XXXX XXXX, I paid it one day late on XXXX XXXX. They charged me a late fee and that's totally understandable. In XXXX, 2023, my payment was due XX/XX/XXXX, I paid XX/XX/XXXX, again, I was charged a late fee, and that's totally acceptable. The company reported to all three credit bureaus that I was 30 days late. Their actions negatively impacted my credit that I'm trying hard to repair. I reached out to the company via email and someone named " XXXX '' confirmed my payment dates but also maintains the 30 days late reporting is accurate. A one day late payment does NOT constitute a 30 day late reporting to the credit bureaus. I asked XXXX to give me the contact information for the CEO of the company. He said he would escalate my request to a supervisor in 3 to 5 days. They are a fairly new company. Their XXXX reviews are all one star rated with similar complaints to mine. They have many complaints on the XXXX XXXX XXXX site as well. Many people are unhappy with them. This is not an isolated incident. Under the Fair Credit Reporting Act, I have the right to have my information reported accurately. 

I have attached part of the conversation with XXXX, where he confirms my payment dates you can see that they are only one day late not 30 days late.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 vears.

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 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Check deposited : XX/XX/2024 Check amount : {$29000.00} * What happened : What occurred was the deposit of a certified check at Chase bank for the specified amount, after which the funds became available following clearance of the check. Shortly after, notification was received stating that the Chase Business Checking account would be closed due to Chase 's inability to contact the issuer of the check, which was from XXXX, an XXXX XXXX XXXX XXXX that serves as a protected series cell within XXXX XXXX XXXX. This is not a public company and is not searchable on the internet. 

* Actions taken : In an attempt to verify the issuer, a point of contact was provided to Chase, which is the holding company responsible for managing both XXXX and XXXX, XXXX. XXXX XXXX XXXX, XXXX. The response given was that XXXX acts as the manager on record for both entities, and if Chase was attempting to locate XXXX via internet search, they would not find it as it is not a public company. Additionally, notarized documents from the issuer and all accessible corporate documentation were submitted to Chase via the NJ Department of Treasury. The issuer even provided a direct phone number for contact. 

Despite these efforts, Chase declined to accept any of the information provided, including acknowledging the issuer 's attempt to reach out, and stated that only the company present within their internal directory would be considered. This is an obviously a deceptive practice, where they disregard Notarized letters as a source of verification. 

* Results : As a result, Chase has refused to return the funds and has decided to hold the funds for a period of 24 months / 2 years to " verify '' the issuer while closing the Chase account within 5 business days.

We have email correspondence with the check issuer to confirm all details, however, Chase refuses to acknowledge this and continues to hold my rightful funds.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (CA)

XXXX has reported a judgement against me that should not be there I have disputed over and over and I get validated. How can this be validated? Other credit agencies are not reporting XXXX Bankruptcy Discharged XXXX XXXX
Consumer complaint received 2017-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (MN)

I 'm a Dodd-Frank Wall Street Reform Act participant. I watched the Federal Bill since XX/XX/XXXX as signed by President Obama. My EHLP # XXXX. I 've requested a number of updates to XXXX County Judicial Court from the Federal government including my last request for legal assistance to remove a Judicial Court Judgement. I submitted under the following CFPB complaint # XXXX from the VA location at XXXX XXXX XXXX, XXXX, MN XXXX. However, after further review, allegedly CFPB assigned a file # of XXXX. I know my XXXX. Please check both CFPB files. 

I was XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX address of my Federal/District Court Briefcase dated XX/XX/XXXX which included my CFPB user ID & password. Can you contact my email on file or telephone XXXX with password? CFPB staff wo n't allow me to access a critical Judicial Court file without an accurate User ID & & & password. Please email reply with a password change " authorization code ''??? 

These District Court Judgements which amounted to $ 20,000+ which prevented my ability to sell my home at XXXX XXXX XXXX XXXX, XXXX , MN XXXX for a reasonable equity profit. I must ask CFPB legal to intervene, & contact XXXX County District Court Administration to remove XXXX and XXXX from my credit bureau record and XXXX County District Court records. I WILL PROSECUTE entities who obstructed Federal Court decisions against XXXX credit card abuses as adjudicated by CFPB Court decisions. Please reply with my assigned password assigned to either XXXX or XXXX? 
Email XXXXXXXXXXXX & XXXXXXXXXXXX - I will seek Federal Court remedy!
Consumer complaint received 2023-12-21
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. (NC)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.