davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

account refers to XXXX XXXX XXXX. also known as XXXX XXXX XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau XXXX  to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect is XX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore XXXX has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc (FL)

While reviewing my bank statement for Chime online bank a part of XXXX XXXX XXXX  or XXXXXXXX XXXX XXXX XXXX, I happened upon a Card payment from Secured Account of {$1400.00} withdrawn from my account on both XXXX, XXXXXXXX XXXX and XXXX, XXXXXXXX XXXX. When I called the bank to get an explanation ; I was given several reasons, none that offer a real explanation. I asked to speak with a supervisor when the representative after over 45 minutes was unable to give a definitive answer. I was place on hold for about XXXX minutes or so and was disconnected by someone without a return phone call. I subtracted how much had been withdrawn from my account for bills that could be explained and both months there was always a balance of the {$1400.00} difference that could not be explained. I would like a clear explanation of these withdrawals totaling {$2900.00} and if it is fraudulent for any reason, to have my monies returned and the bank penalized. These monies are being withdrawn from my XXXX XXXX check, currently the only income that I have.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

Today XX/XX/XXXX at XXXX XXXX MST I went to the drive thru ATM to deposit {$810.00} cash funds. I was in a rush trying to get this done before XXXX XXXX  so I can pay my rent. I have never had problems in the past depositing cash at the ATM. When the ATM took my money it spit out a receipt to call XXXX. This number does not get me to the correct person. Its Automated. Then I go into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT branch only for them to tell me they cant do anything and to call that number again. They did say they would give me my funds back immediately if I called a direct number that I begged for. I called that number which told me they filed a claim but it would take 2 days! They did state I would get a temporary credit on my account within XXXX hours but nothing has been shown. They had no remorse for me potentially getting evicted because of them.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Account Balance : {$32000.00}.
Consumer complaint received 2023-12-21
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)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

XXXX Equifax XXXX  XXXX is reporting a XXXX account that doesnt even exists in their database or cant even be verify because they dont own it anymore so why would it still be reporting it if its not accurate. I demand a deletion even my report to XXXX couldnt be verify in my previous complaint directly with cfbp.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MN)

Had my check engine light on and took it to XXXX Nissan. I have a warranty to cover any damage to my vehicle. XXXX Nissan took it upon themselves to not only triple my costs but upon paying over $ XXXX my engine STILL wasn't fixed and I have to bring it back there due to my warranty situation. I've been overcharged due to my XXXX XXXX  and these folks are trying to take advantage of me!
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There no bankruptcies on my XXXX and the references numbers on the transunion and XXXX are NOT the same. XXXX XXXX. I sent a letter to the courthouse asking to they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if that the case.How do the credit bureaus verify my bankruptcy 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode living is obtained through personal interviews with neighbors, friends, or associates of the consumed report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the rights to privacy.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Consumer complaint received 2022-11-09
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-12-21
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

This chase prime credit card claims that it works with XXXX but I'm very disappointed with their service I returned a XXXXXXXX XXXX XXXX XXXXXXXX  worth {$170.00} ( XXXX ) Last week on Monday XX/XX/2023, it's been XXXX and a half week, I still haven't received a refund from XXXX and XXXX tried to dispute this charge on the chase website but it is not going through, I also went on XXXX to XXXX the information from Chase regarding this, they failed to provide me any information and they keep on going in circles and nothing else thinking that I'm a fool. 

I also called the customer service regarding this and it went to XXXX, they were asking me stupid questions again and again like what's my name, what's my address, my date of birth, Again and again, I was transferred to XXXX different departments, And they were asking this information again and again, when I already verified my account on the automated server. 

And then I have XXXX other complaint, recently I stayed at a hotel in XXXX XXXX, they were supposed to charge me {$45.00} but they charged me {$58.00}, here is the information of the transaction - XX/XX/2023 XXXX XXXX XXXX - {$58.00} Plus they also charged me {$9.00} for parking when the parking was supposed to be free, I tried to dispute this charge on the chase website, it's not going through, the Chase website dispute section is for show only, it is not working. 

I want a chase to credit me {$13.00} plus {$9.00} for parking which was charged to me by the hotel. This was a complete rip off and this shouldn't have been done. 

From now on I will stop using the chase XXXX credit card for my large purchases and I will use other credit cards where I get benefits and I can also dispute the charges easily. 

Hey guys, don't be fooled from Chase, it's a rip off credit card, the customer service is ridiculous and use other credit cards other than chase credit cards
Consumer complaint received 2023-06-15
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: MOHELA (TX)

I am a victim of identity theft. An identity thief has used my information without my permission to enter into a business agreement with a company being reported as Mohela XXXX on my credit. 

I have enclosed a copy of my FTC Identity Theft Report along with this submission. 

To eradicate this issue myself I have spoken with Mohela/XXXX  directly on XX/XX/XXXX reporting the identity theft claim requesting for the immediate removal. I have also sent them a dispute letter via certified mail which will also be enclosed. 

I am demanding the immediate removal of this account from all CRAs and confirmation to be sent once it has been completed.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Last month i found out that my ex wife XXXX had opened a mortgage loan under my name. The creditors called me demanding a payment. I have never sign anything or was aware that she had a mortgage under my name. This mortgage was done fraudulently and i wasn't aware of it.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

identity theft, and I am writing to dispute specific accounts in my file as a result of the crime. The accounts I am challenging have nothing to do with any transactions involving the acquisition of products, services, or money that I have made or authorized. Please stop reporting any information in my credit file that was obtained through identity theft. I'm not familiar with these accounts. Also, the information you gave on certain accounts has been DELETED from other agencies, raising questions about their authenticity, and the recorded payment history on several accounts is a mystery to me. Authority to deny or withdraw, as required by FCRA 605B ( c ) ( 1 ) ( C ). The Credit Reporting Agencies, you, are obligated to erase the disputed entries totally from my Credit File under the terms of the Fair Credit Reporting Act section 605b. Please delete the following accounts from my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$0.00} As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I purchased this loan product in XX/XX/2019 from XXXX XXXX XXXX for {$12000.00}. I made my payments on time until I consolidated my loans. A payoff check was sent to them from my bank and process on XX/XX/2019. Their company sent me an email stated that my obligation to them was paid in full on XX/XX/2019. I still have that email in my possession and can provide it if needed. I requested a statement from them when they attempt to say that I still owe them money. That statement shows that they processed the check. They are still trying to get more money from me and it keeps increasing. It is also on my credit report. I saw online that they do this to customers that pay off their loans earlier. I do not know what to do and have attempted to resolve this with them. This has really destroyed my credit score. Please help! They should be shut down for these practices. I do not want anyone else to deal with this.
Consumer complaint received 2023-12-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (MN)

I want to be part of the class action lawsuit because I was job less then they added late fees and penalties and also uped my mortgage without notice
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX and an open date of XXXXXXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXXXXXX XXXX XXXX account on my credit report and take the necessary steps to rectify the error promptly. 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.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 6 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.