davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (OH)

I received an offer to apply for a Chase Sapphire Visa card. I have been a longtime customer of Chase and decided to apply for it to replace my XXXX card. The application was immediately declined so I called to see what the issue was. The gentleman said you already had a Sapphire card, and you can not have 2. I told him I did not have a Sapphire card, I had a JP Morgan Reserve card years ago, the product was canceled, and Chase opted me in for a Saphire card. I have possibly used that card 1x in the last 3 years as I primarly use XXXX. The rep said he could change my card product to a Chase Flex card. I told him that would be fine. After I went through all of the disclosures, he transferred me to another department to discuss the application. The gentlemen I spoke with there said my application was dead and was never processed due to having the Saphire card, now that I no longer had the card, i would need to reapply for the one I wanted. I did that online and it was declined again. I called back for a third time and was told I never should have applied a 2nd time and that the prior agent was wrong. I was then transferred to XXXX in the reconsideration department who told me that I would have to wait 2-3 billing cycles before I could reapply. I told him I would keep my business with XXXX. He did nothing to remedy the situation or attempt to fix the problem.
Consumer complaint received 2024-01-08
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-05-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (GA)

XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from XXXX that was issuing a refund due to file review. XXXX was the original creditor. This debt should be discharged.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within four days of receiving the necessary documentation from the consumer. Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX v. XXXX XXXX XXXX XXXX This block must be implemented within four days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX v. XXXX XXXX. XXXX XXXXXXXX If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-08-03
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (LA)

I have a Milestone Credit Card that I have never been late on payment. I paid monthly bill on the XXXX and paid {$60.00} over the minimum payment required. This amount came out of my checking account on the same day which was the XXXX. The next thing I knew my bank showed that my credit score dropped by over XXXX points with credit agencies stating the reason was because I was over the limit on my credit card. I contacted Milestone and complained telling them that they caused my score to drop by stating I was over limit even though I paid my bill early like always and paid over the minimum amount. I told them I wanted them to file report with credit agencies showing them that I paid bill on XXXX, they took money out of my account on XXXX which was early and over minimum payment required so the situation was fixed so points were put back and my score was adjusted. I was told that it would be taken care of but not only have they not taken care of anything they're still showing my account as over the limit and still have never put payment from the XXXX on my account despite it being taken out of my account and speaking with them. 
I was XXXX in XXXX XXXX  many years ago which caused me to lose everything including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However after years of XXXX XXXXXXXX hardwork and several miracles I was able to leave. Now after years of more XXXX XXXX I was finally able to get one of my doctors to sign off and approve me being able to reestablish my XXXX  and everything else that will not only help my health and family but will also help thousands of families and our Country.

Because of this I've been doing everything possible to get everything in place to apply for Government Guaranteed Loans and other Programs that I qualify for that assist people with XXXX and other social disadvantages. One of the main issues is getting my credit scores as close to the XXXX that they were at before the accident that caused me to lose everything which is the reason why this is so important. This is why I'm trying to find out how they can show my account as over the limit when I paid it early on the XXXX, they took money out of my checking account on same day and still show it the same way. I'd like for them to fix what they caused to my credit scores by showing when I paid bill and that it shouldn't be over the limit like they're still showing for some reason.
Consumer complaint received 2023-06-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (FL)

Bought my car 2020 XXXX XXXX from XXXX XXXX in XXXX, FL Exeter Finance was the bank that came back with a finance loan. 
I was given a 30 day temp tag til the end of XXXX, no plates. 
Then I got a different one til the end of XXXX. No plates again. 
So here we are again to plates They give me a 3rd handwritten tag .... 
Got pulled over by the Police and was told my tag was illegal and not registered at all!!

Went to DMV to confirm this information.

Went up to the dealership which is 45 minutes away from me here in XXXX XXXX with my family in the car. To finally get to the bottom of the issue. 
! st I was told they were backed up with processing plates. Then that they lost the title. Then the title was taking a long time from out of state. Then that it got lost in transit from another state. Then that it was a car bought at a XXXX auction ... which are not finance-ready vehicles.. to not sure how they figured that was supposed to fly. And I'm sure they knew that already. I called XXXX XXXX and Exeter Finance to try and get my car registered on so many occasions It is now XXXX ... my car is parked outside in the parking lot. Undriveable I have missed so much work because of the back and forth. I've had to pass on 2 more job opportunities because I can't get there on a 2-3 hour bus ride that wouldn't get me there on time anyways. Exeter Finance said they are WAITING for XXXX XXXX in XXXX, FL to produce the title! And that I have no choice but to park my car somewhere and wait!! It's been 4 months already and no one is stepping up to get this resolved. 
I met another woman who also bought a XXXX from them with the exact same issue! I'm a single Mother out of work ... no way to pay my rent, pay bills or buy food!
Consumer complaint received 2024-04-02
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
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. (TX)

On XX/XX/XXXX I was notified that there was a collection by XXXX XXXX on my EXPERIAN credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXX filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to Experian for investigation and verification. After investigation the credit reports for Experian was updated and the collection was removed. I have since locked all three credit files ; XXXX, Experian and XXXX. I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX XXXX. I immediately called EXPERIAN and the collection was removed the same day. On XX/XX/XXXX the same collection reappeared on my EXPERIAN report. Once again Experian investigated and once again this fraudulent charge was removed. 

On XX/XX/XXXX, this fraudulent charge ONCE AGAIN REAPPEARED! I contacted Experian and they indicated that the previous investigations were no longer in their data base. Pretty incredible since this was a case of identity theft, and a statement was added to my credit file indicating that I was the victim of identity theft! 

The new fraudulent charge was submitted by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX MN XXXX. This company has also re-aged this fraudulent charge to make it appear as if this is a current account! This is a violation of the Fair Debts Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-01-08
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)

For false information appearing on my credit report, I filed disputes with XXXX, Equifax, and XXXX. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of 30 days. All of the letters that were sent are attached below. 

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Consumer complaint received 2024-01-08
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. (FL)

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.

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 2024-01-08
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, Florida XXXX SSN : XXXX D.O.B : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in the fraudulent account, I expect to see original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : ACCOUNT NUMBER COMMENTS XXXX XXXX XXXX Not my account XXXX  XXXX XXXX Not my account XXXX XXXX XXXXXXXX XXXX Not my account XXXX XXXX XXXX  XXXX Not my account XXXX XXXX XXXX XXXXXXXX Not my account Please note that I have opted out in writing of your forced arbitration terms and a willingness to seek legal relief. I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA.
Consumer complaint received 2024-04-02
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: SYNCHRONY FINANCIAL (AZ)

Company has charged off account and the credit bureau has only updated the balance to {$0.00} on XXXX XXXX but XXXX and XXXX have not updated, I sent proof of 1099-c
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I would like to receive validation of the debt, Portfolio Recovery is seeking to collect from me. 
I'm asked if Portfolio Recovery, could provide the proper documentation in accordance with Section 809- Violating Debts of the Fair Credit Collection Practices Act. 

Portfolio Recovery Account # XXXX Balance : {$1400.00} Open Date : XX/XX/2022
Consumer complaint received 2024-04-02
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am writing this with the urgency to bring to your notice a concerning issue related to the presence of fraudulent personal information connected to my identity. After a review, I have observed that specific accounts and transactions have been erroneously linked to me without my permission. This has caused me great distress and raised serious concerns. Unfortunately, I have fallen victim to identity theft, which has necessitated me to take action and report this incident.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (VA)

BARCLAYCARD WILL NOT CREDIT MY MASTERCARD FOR APPROX {$990.00}, that was charged by a vacation planner " XXXX '' in XX/XX/2016. I tried to redeem my vacation weeks in XXXX in XX/XX/2016, the company disappeared ... no phone, no email, no websites. When I called to file a complaint with BARCLAYCARD, XX/XX/2016 they immediately refunded the charges, pending their investigation. They were unable to locate the vendor then re-charged my account the original amount. They stated that because I filed a FRAUD vs DISPUTE case I was not eligible for a refund and my case window had closed! I had no knowledge of their internal classification of complaints ... .I simply told my story to several customer service reps 10+ times. Each call was a repeat of previous conversations. My most recent calls followed their instructions to fax my contract to them. 18 pages followed circa XX/XX/2016. They told me that I should continue " communications '' with the company because they perhaps, may refund or redeem my vacations in the future. Clearly they have me on the " slow roll '' placing useful idiots with poor language skills in my path. What is my next step? Can you help me?