davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (MD)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account. 

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

DEP OF ED/XXXX ACCT XXXX XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim and I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). Despite my repeated efforts to seek validation of the debts in question, the information provided by your bureau is inadequate and far from satisfactory. The following account is of particular concern, as the details provided are insufficient for proper validation : XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I am extremely disappointed that your bureau has not upheld its obligation to ensure accurate reporting and provide sufficient validation for these debts. As a consumer, I have the right to accurate and verifiable information on my credit report, and it is unacceptable that your bureau has failed to meet this standard. I expect an urgent and thorough investigation into these matters, and I request that you promptly provide any supporting documentation used to validate these debts. Your compliance with the Fair Credit Reporting Act ( FCRA ) guidelines is crucial to ensure accurate reporting, and I anticipate your prompt action on this dispute.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

On XX/XX/2023 I got my credit report. I noticed there was some unauthorized hard inquiries that I didnt apply for. I sent a letter to the credit bureaus and I told them that the inquiries were not authorized and they still havent removed them. Can you check this out please.
Consumer complaint received 2023-10-09
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX 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 2023-12-19
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. (MD)

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 : 1. 15 U.S. Code 1666b - Timing of Payment XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. You are in VIOLATION of the 15 US. Code 51692k- Civil lability XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX  I received a certified check for a closed account at Chase Bank. I deposited that cashiers check into XXXX XXXXXXXX XXXX account. They are saying the check received was fraudulent and not issued from Chase Bank. The name of the company is XXXXXXXX XXXX XXXXXXXX XXXX. They have been on hold at XXXX XXXX XXXX  since XX/XX/. Please assist. Why would they say the funds are fraudulent.
Consumer complaint received 2024-03-23
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. (RI)

I revoked all past and future consent for Experian to report this account on my consumer report and they are still reporting the account despite my dispute to Opt out of reporting. Same goes for XXXX and XXXX.
Consumer complaint received 2023-12-19
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. (CA)

15 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title
Consumer complaint received 2023-12-19
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. (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Which has not occurred in my case. Also these credit reporting agencies know it is illegal to report transaction history as well as utilization per 15 USC 1681i where it states " a report containing information solely as to transactions or experiences between the consumer and the person making the report ; meaning between myself and the institution I have dealings with not these third party companies. I am upholding my rights as a federally protected consumer. I have provided opt out notices to the financial intuitions which all have advised that my personal information isn't shared which I am aware is not the case per the Privacy Act Of 1974.
Consumer complaint received 2023-12-19
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. (CT)

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report
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: Velocity Portfolio Group (OR)

Subject : Follow-up Complaint Regarding CKS Prime Investments , LLC ( Complaint # XXXX ) Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX to follow up on complaint # XXXX regarding CKS Prime Investments , LLC. The company has responded to my complaint by stating that the account in question was settled in full, and they do not participate in a " paid to delete '' strategy. I must inform you that this response is incorrect and misleading. 

During my conversation with a representative from CKS Financial on XX/XX/XXXX, I was explicitly told that if I paid the amount of {$210.00}, the collection would be removed from my credit report. I made the payment based on this assurance, but CKS Financial has not upheld their end of the agreement. Instead, they have reported the account as " settled in full, '' which still negatively impacts my credit. 

Furthermore, I have noticed that XXXX is currently showing the collection account as open, which adds to the confusion and misinformation surrounding CKS Financial 's reporting practices. 

I have come across numerous examples of other consumers who have experienced similar issues with CKS Prime Investments , LLC. These individuals have been misled, scammed, and negatively impacted by the company 's deceptive practices. It is evident that CKS Prime Investments , LLC engages in unethical and potentially illegal activities, which warrant further investigation by the CFPB. 

I hereby request the Consumer Financial Protection Bureau to investigate CKS Prime Investments , LLC and their shady business practices. Consumers like myself should not have to suffer the consequences of false promises and misinformation. 

For your reference, here is the context of my original complaint : I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with XXXX of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email. 

I appreciate your attention to this matter and hope that you will take the necessary steps to protect consumers from CKS Prime Investments , LLC 's unethical practices.
Consumer complaint received 2024-03-23
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. (NJ)

Im a victim of identity that my dad has been breached. I sent this information to all three credit viewers and told them that I do not recognize charges and different credit cards that was opened in my name that I didnt approve or authorize, and they still insisting that its me. I told them to send me some documentation with my signature stating that I authorized to open his credit cards into authorize the charges they have not sent me back. 

Also, the investigation took well over 30 days which the XXXX states that it must be within 30 days 45 days if they run into a problem and I gave them copies of where certain things were taken off my credit report and they put it right back on so I have copies of this documentation to prove to you that these items should remain of my credit report they took it off but then they put it right back on, and thats a problem because its affecting my score is affected my whole life like Im having a hard time getting things in finance, finance and vehicles and anything my cop my daughters loans from college. Im having a hard time finance that so shes not gon na be able to go to college because I cant sign for a parent loan because they got this stuff on my credit report that needs to be removed and it was removed but they put it right back on here. Im asking that you expedite this and Im sending you copies of everything Im saying, that should not be on my credit report and Im sending you a copy of the credit report with it on there and then youll see the updated report was taken off and then they put it right back on there again
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

This has happened twice, last month in XX/XX/2023 and this month of XXXX, the problem is making a payment. I usually make my monthly payment before the due date of the XXXX to coincide with my pay period which is issued on the XXXX each month or the XXXX if it's the weekend. I paid early my monthly payment for XX/XX/XXXX due date on the XXXX with my new prepaid debit card issued by XXXX XXXX. through their retailer, PLS, my payroll and my son 's SSI and XXXX  pay goes to the account in my name as I am his authorized payee. Discover card never told me I couldn't use the prepaid card to make a payment, I just so happened looked to see if the payment posted on the XXXX and it had not but a notice of a return payment fee had been applied as well as a late fee, {$40.00} and {$30.00} respectively, for a total of {$70.00} which decreased my available credit and notated my account with a late payment. Next day, the XXXX, I immediately went to the PLS Check Cashiers and made the payment at the store through bill pay. 

I contacted the customer service line, an Agent then told me I couldn't use my prepaid card, the number or routing and account number to make a payment but would remove the total {$70.00} in fees from my account NEXT BILLING CYCLE! 

The information stating that the cardholder had to use a big bank was nowhere on the application information section and now I run the risk of being reported as a late payment when in actual I paid early then paid again on the due date once the original payment was rejected via a method that was supposedly authorized but they just didn't process the bill payment until several days after the XXXX, my due date but I had my receipts.
Consumer complaint received 2018-11-20
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: Experian Information Solutions Inc. (CA)

I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH EXPERIAN AND XXXX AND XXXX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX  COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP