davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (CT)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses need to be Removed Immediately : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I have found several incorrectly reported dated on my credit report regarding this debt that i have tried to rectify with the creditor directly but to no avail. On XX/XX/2023 I legally requested the following collection accounts ( via certified mailing ) to be investigated as being 100 % accurate and I am willing to pay the debt in full if verified. These collection accounts have not been verified to date and it has now been well over 45 days since my original request. Here is a copy of the certified letter mailed to these creditors for validation of these debts. I am still awaiting these requests and am demanding that these accounts be removed from my credit report ASAP. I have tried multiple times to get the requested information below : List of creditors who recieved certifed letters for my request and has not obliged as of XX/XX/2023 -AMEX XXXX CITIBANK XXXX account # partially listed on credit report as XXXX To whom this may concern, Your company said, I allegedly owe you money. I am willing to Pay under the conditions that you are able to provide : 1 : validation of the debt- - that is, the actual accounting.

2 : verification of a signed invoice.

3 : a copy of the contract binding both parties ( you and I ), and a letter by certified mail so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Consumer complaint received 2023-06-20
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
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: Experian Information Solutions Inc. (GA)

I did not consent to, authorize nor benefit from any of the following inquiries/account. XXXX and remove them. 
15 U.S.C 1681 Wrongfully added/Incorrect spelling personal information : 1 name. 1address. 1number 1dob XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/92 Charge off ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, US Dept of Education : XXXX XXXX  ; XXXX XXXX XXXX and XXXX XXXX XXXX  Inquiry ; XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-07-16
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. (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  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX/DEPT OF ED 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 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 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a check of {$79000.00} from my personal check of XXXX  XXXX XXXX ( XXXX  ) to my XXXX account on XX/XX/XXXX. As I needed the money by XX/XX/XXXX, I asked whether it would be available in this Chase account by the date ( XX/XX/XXXX ) at a Chase bank branch, and a Chase associate said " yes '' after talking with the branch manager once I could show the balance was available by using my BOA app on next day ( XX/XX/XXXX ) ( I specifically told that I would not deposit my check if it's not available by XX/XX/XXXX ). I came to the branch on XX/XX/XXXX and showed the XXXX  app to one of the Chase associates. She said she would call me once the holding is released. I got a call in the afternoon on XX/XX/XXXX and the associate told me that the money would not be available until XX/XX/XXXX. I revisited the branch and talked with the branch manager. She told me that it happened as my account was new ( less than 60 days ). However, it's already over 60 days, and my account can't be classified as a new account. She also explained that it could happen even to customers having millions in his/her accounts or long-time customers of Chase. ( I have been a customer of Chase since XXXX, more than 20 years, but probably I'm not qualified as a long-time customer ) She took a picture of the cleared BOA check from my BOA app, and she told me that she would try to release the holding. No contact from the branch manager since then. I called Chase customer service on XX/XX/XXXX and talked in a three-way conference call among Chase, XXXX, and myself to verify that XXXX  already cleared my check from the BOA side and it is Chase bank that is not releasing my money to my account. ( The 3-way conference call was initiated by the Chase associate ) Chase associate told me that the money would be available soon on XX/XX/XXXX. Nothing happened and no contact from Chase Bank since then. I sent emails twice to Chase, and the reply asked me to contact another Chase phone number to release the holding. I called today, but no resolution yet. I have my personal Chase account since XXXX and the XXXX  account since XXXX. Can XXXX hold my check for 10 days in this case? They told me that it was holding as it was my first deposit of a check. I don't think that could be one of the reasons according to the Expedited Funds Availability Act ( EFAA ). I'm wondering how much the bank can use free money for its profit by using this type of tactic if I'm not the only one in this situation. I lost my interest from XXXX, and can't use the money for my business for 10 days.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I'm dealing with EdFinancial Services for my student loans and they have been a XXXX. I just graduate at the end of XXXX and they have my loan payments set up to start on XX/XX/24. They have bypassed the XXXX months grace period. In addition, I confirmed with the studenloans.gov that my loan repayment starts in XXXX, not XXXX. I call their customer service and said they would look into it, and they will make the change, this was two ago an nothing has been done. When I ask to speak to a supervisor, they are never available.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

Formal Complaint Regarding Harassment and Violations of the Consumer Financial Protection Act ( 15 USC 44 ) and Federal Statutes ( 12 USC 839 ( a ), 12 USC 1431 ) I am writing to formally complain about the conduct of your agency, JeffCappSYS, in its debt collection efforts. This letter is intended to address a series of violations of the Consumer Financial Protection Act ( CFPA ), specifically 15 USC 44, as well as other federal statutes, including 12 USC 839 ( a ) and 12 USC 1431. 

It has come to my attention that your agency, JeffCappSYS, has been consistently engaging in debt collection practices that not only infringe upon my rights but also disregard the principles of fairness and legality outlined in federal statutes. This conduct has caused considerable distress and hardship in my life. 

First and foremost, I have been subject to relentless and unwarranted harassment in violation of the CFPA. The frequency and nature of the communications I have received have far exceeded the legal boundaries set by 15 USC 44. The excessive number of calls, the use of foul language, and a complete disregard for my privacy have caused considerable anguish.

Furthermore, I am deeply concerned about the methods employed by JeffCappSYS in its collection efforts. The absence of documentary evidence and contractual transparency, as required under federal statutes, including 12 USC 839 ( a ) and 12 USC 1431, has raised serious doubts about the legitimacy of the debt in question. 

I request that JeffCappSYS immediately ceases all forms of harassment and misconduct, as required by the CFPA and other federal statutes. I also demand transparency and adherence to the relevant laws in the handling of this debt. 

Failure to address these concerns and rectify these violations will leave me with no choice but to take appropriate legal action to uphold my rights and seek remedies provided by law. This formal complaint serves as a clear indication of my intent to protect my rights and address the misconduct I have endured. 

I expect a prompt response to this complaint, confirming your commitment to rectify the situation and outlining the steps you will take to ensure compliance with the law. Your cooperation in this matter is imperative to resolving this issue amicably. 

Sincerely,
Consumer complaint received 2024-03-28
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 reaching out to address the inaccuracies and omissions in the credit information that you have reported on my credit profile. It is disappointing to note the lack of sufficient procedures to ensure the utmost accuracy in compliance with credit reporting laws. 

The following information requires immediate investigation, and I insist on being furnished with evidence supporting the alleged items, particularly any contracts, notes, or documents bearing my signature. Failure to provide such evidence warrants the removal of these items from my credit report without delay : I am troubled by the fact that XXXX has already rectified these accounts from their records, indicating an acknowledged error. However, your failure to do the same is concerning. I demand the deletion of these items from my file due to their inaccuracy, error, incompleteness, or inability to be verified. It is unacceptable that you are not adhering to legal requirements, particularly when other credit bureaus have already complied. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc. (FL)

FCI Lender Services and XXXX XXXX  violated Federal Fair Debt Collection Act by falsifying mortgage statements and continued to attempt to collect on a debt that was not substantiated after a consumer disputed the validity of the debt. As a strategy to evade culpability, after 16 years they sold the mortgage to a Trust, XXXX XXXX XXXX XXXX XXXX XXXX, AS OWNER TRUSTEE OF THE XXXX XXXX XXXX XXXX XXXX XXXX operating as a hedge fund, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, masquerading as a mortgage servicer, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & FCI Lender Services , Inc just to name a few.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The FDCPA is meant to protect my right to privacy, yet my privacy has been violated by the Consumer Reporting Agencies, XXXX, Equifax, and XXXX. I noticed that my consumer report is erroneous, out of date, and that no legal evidence has been presented to me. The Consumer Reporting Agencies failed to fulfill their responsibilities. I have the right to know, who was interviewed by Consumer Reporting Agencies? Who gave them the power to tamper with my life? Is it true that I am not a federally protected consumer? The Consumer Reporting Agencies never acquired my authorization to report on my consumer report, either orally or in writing, and this constitutes identity theft.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (OH)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

I was contacted through XXXX a Freelance website for a XXXX XXXX that was posted on that platform by what turned out to be a fake company. I was thus sent a contract with instructions on receiving a check through email to pay for equipment ( Laptop, microphone, headphones etc. ) that the company wanted me to use for this contracted voiceover job. Once I received the check of {$4400.00} on XX/XX/23 through email I was instructed to wire that check to a 3rd party individual that was supposedly going to purchase the equipment and send them to me. I wired the money that same day. However, the next day XX/XX/23 the individual I've been dealing with named XXXX XXXX asked me to do the same thing but this time for insurance on the equipment. He sent through email another {$4400.00} check. Now my suspicions were raised and I reached out to his company which was XXXX and they had never heard of him. I sent them a copy of all my email correspondences with this individual and they said he isn't from their company. After looking more closely at his email address he was using XXXX but the real website is XXXX  At that point I reached out to my bank Wells Fargo and explained the situation and started a claim that was XX/XX/23. As of today XX/XX/23 the {$4400.00} has been taken from my checking account to cover for this fraudulent wire transfer to which Wells Fargo hasn't said they will cover or not. Now I am scrambling to put money into my account to cover my mortgage and other expenses that are coming due while not knowing if Wells Fargo is going to help or not. The wire transfer was to another Wells Fargo bank and I gave them the account number and all the pertinent information in conjunction with the fraudulent transfer. I've filed a police report and reported to the FTC this individual and situation.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account OPENED DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

became aware of these fraudulent loans being open under my identity due to receiving various calls this was later followed by dmv contact me about my address change which i didnt not authorize over the last few months i contacted police the credit and banks try to impose my right and have these fraudulent accounts and inquries removed I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.be Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : { dispute_item_and_explanation } Kind regards, _