davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WLCC (GA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IA)

On XX/XX/2023 I paid my statement balance in full of {$820.00}, they then stopped sending me statements. Then received an alert on my credit report, I was in default. Commenity bank had rolled {$23.00} in interest charges without sending me statements. Two months of late fees. No messages received from the company. I had no clue these were being charged until it hit my credit report. Commenity bank refuses to take ownership, spoke with XXXX on the supervisor level and they still refused to fix the mistake. Told me she can not even verify if they tried to contact me via email they have no record. Clearly a UDAAP violation.
Consumer complaint received 2020-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VI)

There are 9 hard inquiries on my credit report that is reporting negative and inaccurate information and I have disputed the information with the credit bureaus several times and they have said that the information has been verified. One credit bureau had deleted all of these hard inquires because the creditors could not provide verifiable proof or documentation that these hardinquires belongs on my credit report. So, if all information reported to each bureau should be uniformed and consistent, I dont see how each of you can be reporting something entirely different on the same issues. I am now asking you to provide me the documentation of how your credit bureau verified these hard inquiries on my credit report. If you can not provide these documentation you must delete these items from my credit report immediately. I expect your credit reporting bureau to follow the law that speak to this issue.
Consumer complaint received 2023-11-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upgrade, Inc. (FL)

I am writing to express my deep dissatisfaction and frustration with Upgrade , Inc., with whom I maintain an account. I want to formally complain about their unjustified refusal to grant me access to my {$2000.00} credit line, even though I was only seeking a modest {$630.00} from my available credit. Despite my unwavering efforts to provide all the necessary documentation to enable this access, Upgrade has consistently failed to meet my request. This experience has left me extremely dissatisfied and inconvenienced. Furthermore, I would like to draw your attention to the fact that the United States Code Title 15, Section 1611, guarantees consumers the right to access their credit information and mandates that institutions such as Upgrade , Inc., must provide this access in a timely and nondiscriminatory manner. The deliberate denial of such access without valid justification constitutes a clear violation of my rights under federal law. 

As a loyal customer with an active account at Upgrade , Inc., I am entitled to access and review my credit information as provided by the relevant laws and regulations. Despite my full compliance with all of Upgrade 's documentation and verification requirements, they have unreasonably denied me this access, infringing upon my rights and causing me considerable distress. This is a clear breach of the legal obligations imposed upon them, and I am deeply disappointed by their disregard for the law and my consumer rights.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VI)

There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and XXXX. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.
Consumer complaint received 2024-04-25
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX - XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX ( XXXX account ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

I ended up moving to another address before I knew I was approved for my Unemployement claim.I didnt have a chance to get my debit card. My whole account was wiped out, I didnt notice until 2 years later.. Ive been trying to reach out for some time & was able to get through so I gave up. Until one morning I woke up & decided to call because I was receiving emails I called and found out my account was wiped out. I disputed the claims they denied both claiming it to be me. Its unfair
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VI)

There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report immediately.
Consumer complaint received 2024-04-25
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. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-04-25
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)

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-13
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. (GA)

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( XXXX ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and XXXX disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2023-11-07
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. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/3 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (VI)

A credit line from XXXX  XXXX has been reported as upgraded or deleted on or from my credit report on XX/XX/2020 and I had a XXXX XXXX decrease because of that. The credit Tradeline from XXXX  XXXX was never mine so now that they have removed or updated the Tradeline, I am asking that the XXXX XXXX hard inquiry on my credit report be removed from my credit profile.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX XXXX the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (FL)

QWR dated XXXX XXXX XXXX  was sent outlining the items requested. Was mailed to the designated address via certified and return receipt was stamped XXXX XXXX XXXX  was ignored. 
Received package yesterday XXXX  for Chase letter dated XX/XX/. The company did not address all my issues, this is an incomplete response. They picked and chose what to address. Specifically the QWR dated XXXX  lists the items on Item 1 ) APPRAISAL was requested - no Automated valuation, Appraisal, Notice of Value or similar was provided. 2 ) COMPLETE LOAN HISTORY including all payments, fees was requested however the Escrow Reconciliation was provided. Collection and customer service notes requested, nothing was provided. QWR indicates my concern on payment application, any late charges and the recapitalization of the arrearage due to forbearance or mod- This was not addressed either and was very important part of the QWR sent to Chase and that is reason for this new CFPB complaint. Enclosing copy of XXXX for reference and additional details.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MO)

Chase Credit Card - I've been an excellent client over the years. They have continued to increase their interest rate to the point that it is now over 28 %. Additionally, they are charging me {$95.00} annually. When calling to close the account because of this criminality, they put up hurdles, making finding the information for account activity and how to close difficult. Additionally, the swapping between their XXXX service reps is designed to prevent and dissuade cancellation. They ignore my requests and continue to lecture me. Finally, I say one cuss word. They shut down the conversation, hung up, and ended the process. It is designed to be this way. They do this so they can continue to hold me and my finances hostage to their criminal ways. 

Canceling a card should be streamlined without all the nefarious underpinnings designed to keep clients captive to corrupt corporations.
Consumer complaint received 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-06-11
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: ENCORE CAPITAL GROUP INC. (NY)

I am writing to express my concern about a letter I received from Midland Credit Management. The letter states that I owe a debt of {$4900.00} and threatens to involve a lawyer to sue me. However, I have not received any prior communication from this debt collector. 

I find it alarming and distressing that this letter is threatening legal action without any prior contact or attempt to resolve the issue. I am retired and rely on Social Security benefits, and this situation is causing significant stress, which is adversely affecting my health. 

I request that Midland Credit Management provide me with detailed information about this debt, including any documentation that verifies its validity. Additionally, I ask that all future communications be handled in a manner that is respectful and considerate of my current circumstances.
Consumer complaint received 2024-04-25
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. (IL)

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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account 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 2023-11-07
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 Account NumberXXXX Account Name : XXXX Account Number:XXXX 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.