davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I would like to file a complaint against Chase Bank for closing my joint account with my husband without my consent. I received a statement on XX/XX/2023, indicating that my account had been closed due to an alleged report of fraudulent activity. Chase Bank issued a check for the funds in the account, which was {$1500.00}, and sent it to my address. However, I never received the check despite making multiple calls ( over 10 times ) and visits ( over 5 times ) to Chase Bank to inquire about the situation. This has caused me to waste more than 40 hours of my time, at my hourly rate of {$60.00} per hour, resulting in a loss of more than {$2400.00}. 

Upon investigating further, I discovered that there is another person with the same full name, date of birth, and social security number as me, as reported by XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite explaining the situation to Chase Bank, they have yet to return my funds, causing me extreme frustration. I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that I am properly compensated for the inconvenience and financial loss caused by Chase Bank 's actions.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My credit card companies are letting scammers keep my money due to it was past 60 days to report these issues. 

Capital One : dispute # XXXX {$1900.00} private deal flow original purchaseXXXX  dispute # XXXX {$7400.00} response.com real estate inv. training XX/XX/XXXX dispute # XXXX {$7400.00} double billing I didnt receive credit for XX/XX/XXXX dispute # XXXX {$1900.00} weekly cash clock, XXXX XXXX XX/XX/XXXX dispute # money map press {$2500.00} XXXX XXXX XX/XX/XXXX no dispute number dispute # XXXX {$8500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank : dispute # XXXX {$4000.00} XXXX XXXX  XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1900.00} XXXX partners I dont remember the date but I think it was in XX/XX/XXXX?
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is in violation of my federal consumer rights. 

I have sent disputes for removal of inaccurate PII several times to Experian. I have sent them multiple times a LAWYER WRITTEN affidavit demanding removal of the inaccurate PII. I am re-attaching the PII which was originally written and notarized in XXXX of 2022, 7 months ago. Which shows demand for removal of PII that today still shows. 

Experian still shows the inaccurate PII on my report. 

I demand that Experian follow the law and remove the inaccurate PII from my report immediately.
Consumer complaint received 2023-04-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX  Balance : {$4900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I had a car accident in XXXX of XXXX that led my car being totaled. XXXX XXXX  knows of everything. They have my account as open when its supposed to be closed and sent out to collections. This is causing my account to constantly be dinged as 120 days past due. I have provided gap coverage from the contract I signed when getting the car. They didnt satisfy the loan so they have sent me through so much troubles to get this off my report. They have garnished my checks which is really a pain because I dont have it. They are fraudulent crooks. They have no reason having my account as an open installment still.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX and Experian are forcing me Yo jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, the North Carolina Department if Justice and the XXXX XXXX XXXX XXXX Department, our local law enforcement division. 

XXXX and Experian both are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. 

Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2007
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

Good morning! 

I got a notification from my credit security monitoring company that there were some flagged late charges and fees on my Athleta store credit account and when I Called Barclays, I was told that although I paid my account in full, the bank that took over was not able to pick up my payment in a timely manner thus, it accumulated all these late fees and interests. 

I made the purchase in the amount of {$43.00} XXXX of last year and I paid in full in-received by them in XXXX/XXXX/22. Barclays took over from XXXX and my account and payment fell through the cracks! I tried to have Barclays erase all the late fees and interests that had amounted to {$250.00} and somehow, they couldnt do it due to technicalities. 

I called again XXXX, and I was told again that the least they could do is bring it down to {$130.00}. I am furious for these injustice and unfairness. I need help!
Consumer complaint received 2024-03-22
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$9400.00} ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX  In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2024-03-22
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)

I was a victim of identity theft. I contacted the credit bureaus to report the fraudulent activity and they failed to address the issue. There are numerous fraudulent accounts that are being reported in my name that are not mine and should not be on my credit report. I sent them all required documentation along with the proper identity theft filings. I really need this misinformation removed from my credit reports immediately. This is causing me a great deal of stress.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

Since Bread Financial took over Ulta Rewards/Comenity . I have been in Account Fraud trying to get an issue settled for almost a year.

They are sending Me Two statements from Ulta ... one is an OLD XXXX balance card that they reopened n put {$750.00} payments in it that was supposed to go toward my current account. Since then they HAD fixed it back to XXXX ( acct should be closed ) .then it was {$350.00} owed n they sent me a check back for {$350.00} which makes no sense. 
Now? Theyre charging me interest AND fees while they work on it. They are RUINING MY PERFECT CREDIT. 
I can not even pay it off in the interim bc they CAN NOT FIND THIS ACCT.
Consumer complaint received 2023-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (AL)

In XXXX of XXXX I became aware of a low score on my XXXX Credit report. Upon investigation, I learned that there has been a company reporting a {$1300.00} debt collection on my XXXX report since XXXX. 
I have never received any correspondence of any kind from this company - CAC Financial Corp - XXXX XXXX, Oklahoma. I have never entered into a contract with this company and have no privity of contract whatsoever with this organization. I have never agreed to pay CAC Financial Corp - XXXX XXXXXXXX, Oklahoma any amount for any product or service. If CAC Financial Corp - XXXX XXXXXXXX, Oklahoma is attempting to collect a debt for some other company, they have not operated in good faith, in that : XXXX ) They have never communicated with me at any time, in any way. 
XXXX ) They have made no attempt to validate any debt with me, or obtained verification from me of any debt between me and any other entity or individual. 
If CAC Financial Corp - XXXX  XXXX, Oklahoma can prove privity of contract between me and CAC Financial Corp - XXXX  XXXX, Oklahoma, I request documentation to this effect. If they can not, I demand they remove their collection item from my credit report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the tollowing items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-21
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. (PA)

I XXXXXXXX XXXX XXXXXXXX Currently have some fraudulent inquiries appearing on my credit reports. I have listed all supporting documentation below. 


XXXX XXXX XXXX  Inquired XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Funding LLC Is increasing the collecton balance that they accuse me of owing them inwhich I have not admitted to owing them any money. They have not provided me a validated signed contract, for this collection account, or for fees that they are adding to this collection account balance. For months, they have been adding {$3.00} to {$4.00} onto the balance three to four times like every 6 to 7 days instead of reporting this account every month, they are reporting and increading the balance three times within the month, which is not allowed. I have tried to settle this account over a year ago, before I got sick. and under Doctors care, and I am unable to work. They would not settle at all and demanded the total amount, which now they are harassing me, and destroying my credit by reporting false information on my credit report,
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The collections on my report are out of date. The report shows collections that say they were removed but they continue to show up even though they are paid off. 
Fair reporting is apart of the Fair Reporting Act and if they are reporting credit that should have been took off that is false information. I request all collections be removed immediately
Consumer complaint received 2023-07-09
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. (PA)

Experian failed to remove the fraudulently furnished information on my credit report after receiving proof of resolution via CFPB case # XXXX by XXXX XXXX. Which stated the company agreed to have this line of credit completely removed off my credit report of as XX/XX/2022. As a result of Experian 's refusal to remove this charge off, I have reasonable cause to believe Experian is purposely restraining trade of commerce by ruining my consumer reputation and financially benefitting from trading my personal information without my consent.
Consumer complaint received 2024-03-22
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. (FL)

I am writing to contest the information contained in my credit report. Enclosed are the necessary documents highlighting the disputed items. The following entries are either inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

To substantiate my claim, I have provided copies of my driver 's license, utility bill, and Social Security Number. I urge you to investigate these matters promptly as they are causing financial strain and distress.
Consumer complaint received 2024-03-22
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.