davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (IL)

I am writing to formally submit a complaint against IC System Inc. concerning their collection efforts on behalf of XXXX XXXX XXXX. The issue stems from persistent attempts to collect an alleged debt of {$1200.00}. Despite my request for verification, IC System Inc. has failed to provide adequate documentation supporting the validity of the claimed amount. Their collection tactics have been aggressive and may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), causing undue stress. Furthermore, IC System Inc. has not furnished a detailed breakdown of the alleged debt, including dates and charges. I kindly request the Consumer Financial Protection Bureau to investigate IC System Inc. 's actions, seeking resolution through verification of the debt, cessation of aggressive tactics, and provision of a detailed breakdown. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX attempted to wire internationally {$350000.00} from my checking account. Company to receive funds was identified by Chase as fraudulent/scam and cancelled wire on XX/XX/XXXX. Immediately after my acct was locked, and 15 days later all {$380000.00} within account was confiscated. After several attempts using contact number ( XXXX ) provided by Chase in letter dated XX/XX/XXXX and getting no information, for several weeks I asked branch representative and manager to attempt contacting Chase corp. to get information about my situation but they too were totally unsuccessful. Three months in I was able to get a case number and at the time saying the 'cause " for the freezing and confiscation of funds being a wire from XXXX XXXX XXXX, which is used by XXXX XXXX. However, it wasn't till four months later on XX/XX/XXXX and having again a mostly unproductive call did the Chase rep provide another number ( XXXX ) to contact Chase 's Executive Office. When this number was called on same day ( XX/XX/XXXX ) they took my name and some initial info regarding my situation. Later that day I received a call from the assigned " investigator '' XXXX ( ext. XXXX ) and gave her more information. Was given a new investigation number ( XXXX ). Four days later on XX/XX/XXXX my call with her provided very little new information and said needed another week before MAYBE having any new information. As of last call with XXXX, all I've been provided by Chase is my account was frozen and funds confiscated due to XXXX XXXX XXXX being wire recipient and identified as fraudulent/scam but no reason why ME as the VICTIM my money was confiscated nor when I'd get it back.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

duty pursuant to the FCRA, it is EQUIFAX to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX  XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
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: Experian Information Solutions Inc. (FL)

I am writing to express my profound dissatisfaction and concern regarding your lack of response to my recent dispute dated XX/XX/. I am deeply disappointed by the absence of any communication or investigation results from your agency, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in undue stress and financial implications on my end. In my dispute letter, I brought to your attention the inaccuracies present in certain items currently reported on my credit report. The purpose of my dispute was to rectify these inaccuracies and ensure the accuracy and completeness of the information being reported. Unfortunately, despite the importance of addressing these matters promptly and in accordance with the FCRA guidelines, I have yet to receive any response or investigation results from Experian. Under the FCRA, it is mandated that credit reporting agencies such as Experian conduct a thorough investigation within 30 days of receiving a dispute and provide the consumer with the results of the investigation. Your agency 's failure to respond appropriately to my dispute is a clear violation of these obligations and compromises my ability to address the inaccurate information on my credit report.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WI)

Chime prepaid card services has kept and not issued my monies in the amount of over {$1200.00}. Chime has had my money for almost 2 years. I have sent them several documents that they have requested to prove my identity etc, yet they still have not issued me any of my money. I do feel that chime should return my money as well as award me an additional {$5000.00} or more since they kept my money for that length of time. Without legitimate reasons that they can prove. This was alsoduring the middle of covid when money was very tight. Any documentation you XXXX need I can provide it thank you
Consumer complaint received 2024-04-23
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. (IL)

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

If after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the reinvestigation. 

Hello I have found inaccurate reporting information from XXXX XXXX. The account ending in XXXX XXXX XXXX XXXX XXXX. I have called, wrote, text the creditor several times. It has been over 6 years that this fraudulent account been on my Experian credit report. 

XXXX indicates that the account was for XXXX. Now Experian is reporting XXXX, XXXX as a write off. I've noticed there are different XX/XX/90 past due dates on both agencies. 

This reporting has been damaged my credit over 100 points for 6 years. I lost numerous of advancements in living, financial and personal. Due to this inaccurate information that's being reported by XXXX.
Consumer complaint received 2018-02-09
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: JPMORGAN CHASE & CO. (MI)

hello i have a number of hard inquires from chase bank on my XXXX   credit report. i dont have a chase account and i have not applied for a bank or credit card with them. the dates of the inquires are XX/XX/XXXX.this is my first step in resolving this issue and any help would be great. thank you
Consumer complaint received 2024-04-23
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 reaching out to address discrepancies I have discovered in my personal credit report. These inaccuracies are adversely affecting my financial status. While I acknowledge the possibility of errors, I am well-versed in the dispute resolution process and understand that investigations typically take thirty days. 

I wish to highlight the following errors : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (MT)

Upon leaving my apartment complex, I had left a lengthy voicemail with call back number in XX/XX/2023 regarding any potential owed money and the need to contact me so I could properly pay for anything that came up. I was then contacted on XX/XX/2023, a day after another phone call where I spoke with the property manager and gave payment information to pay any debts owed. I was informed that the debt had already been sent to collections but never received any correspondence to verify or email even pay off my debt prior to reporting to any credit bureau. If I had been properly notified of any charges, I wouldve been able to pay off the debts owed and never had this show up on my report. The first and only time I have ever been contacted by the debt collection agency was XX/XX/2023, very much so well after already being reported to the credit bureau. There was no proper/timely attempt to collect any debts prior to reporting this debt.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-23
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. (CA)

I am reaching out to address discrepancies I have discovered in my personal credit report. These inaccuracies are adversely affecting my financial status. While I acknowledge the possibility of errors, I am well-versed in the dispute resolution process and understand that investigations typically take thirty days. 

I wish to highlight the following errors : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX ( XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular Social security numbers XXXX
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-23
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting a agencies need to report all information with complete accuracy. This account was never late I have attached a copy of my complaint on the following ( XX/XX/2020 and XX/XX/2020 ). I am now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your prompt response
Consumer complaint received 2024-04-23
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (PA)

I received a statement from Concora Credit, formerly Genisis Credit regarding my Destiny and Indigo Mastercards. This information advised me of a fee being added onto the card. I called Concora to discuss and they advised me it was a subscription. These are credit cards not subscriptions. Then I was told it was a reactivation fee. Again they are credit cards so they do not get reactivated. Finally I was told they were membership fees. Typically with memberships, there are benefits for the consumer. The two representatives could not give me one membership benefit to the membership for a credit card. They said the fee gives me access to now 29.9 % credit cards. I requested closing of the accounts only if they could provide credit deletion to not further harm my credit as they have already. This is robbery and taking advantage of people during a vulnerable time of inflation and a crashing economy.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (PA)

I

n accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy. 15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect. 

XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX