davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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)

Ive disputed the erroneous information on several occasions and through a variety of platforms, including the consumer finance, protection bureau, the XXXX XXXX XXXX, my state, attorney, general office, the credit reporting bureau, and anywhere else you can think of with no resolve. I was only alerted to changes in my credit score through a third party, and although I had never once been contacted by the businesses and they have repeatedly refused to provide me a Debt Validation Letter, the incorrect information remains despite my rights according to the Fair Credit Reporting Act. Its gone to the point where now its jeopardizing my livelihood as I am gearing up to go back to work as an employee for the federal government in a finance related job. Theres a real chance they will resend their offer when they see this erroneous information that I have tried to address 1 million different ways myself with no resolve. It seems like anybody can say anything they want, and despite the consumer providing proof that the creditor is in fact wrong, the credit bureaus refuse to correct the mistake and simply take the creditors at their word without asking for a shred of evidence. These creditors are not sworn under oath, so why should they be taken at their word? And why is there no recourse despite the fact that I have asked for a debt validation, labor on several occasions, and the a lot of time frame has since passed, yet the error still remains on my credit reports. Am I really to be told that the only solution is to add a stupid statement to my credit report and hope thats enough to keep my job in finance? Thats completely unacceptable and absolutely ridiculous. If thats all the federal government had in mind as a consumers defense against fraudulent claims when they created the Fair Credit Reporting Act then they should all be ashamed of themselves. Its a joke. The whole system is a joke, and now my kids and I are going to be homeless because of it. So make sure you reply to me and tell me I need to file a dispute with the credit reporting bureaus or file something with the consumer finance protection bureau, or the business themselves, OK? Like I havent already done that 1 million times already! Who may I contact to report the business has not adhered to the rights afforded to me under the Fair Credit Reporting Act THAT WILL HOLD THEM ACCOUNTABLE? I cant afford an attorney, so Im out of options it sounds like with only ONE credit bureau removing one inaccurate credit reporting statement. And were just supposed to be OK with that as consumers? Unacceptable!!
Consumer complaint received 2024-03-09
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. (DE)

Experian is still furnishing data for the XXXX XXXX account when it has been charged off. The IRS clearly states that cancellations of debts are reportable income and that can not be reported on my credit report no longer.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Formerly, I made an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please correct the following accounts : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I need you to remove the negative statements from my Credit File in order to report accurate information on my Credit File. If you can not prove that what you are reporting is accurate, I need you to immediately remove the disputed accounts off my credit File.
Consumer complaint received 2022-12-12
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-25
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-05
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: JPMORGAN CHASE & CO. (TX)

Dear CFPB, I am writing this email to file a complaint against the Chase credit card dispute department. 

In XXXX, I initiated a dispute due to non-delivery of my merchandise from XXXX. The Chase credit card team requested me to provide an explanation via email and asked for supporting evidence. I promptly provided the required evidence as requested. 

Today, after over a month, I have not received any updates. However, in XXXX, I received a notification from the merchant stating that the transaction amount had been charged back by the bank. So, I called the Chase dispute team to inquire about the status update. 

To my surprise, their team responded that they had helped me recover {$100.00}, and {$19.00} was still outstanding. I clarified that the {$100.00} was the refund provided by the merchant for a different item return and had no relation to the disputed transaction. The customer service representative abruptly hung up the call and did not provide any further response. 

Upon reflection, I realized that something was amiss. My evidence clearly indicates a disputed amount of {$110.00}, and the transaction records support this. The {$110.00} has already been shown as charged back on the merchant 's page. 

Therefore, I suspect that this may not just be a banking error but rather a case of the bank embezzling both the {$110.00} and {$100.00} from the two separate chargebacks. I only received {$100.00}, which was the refund issued by the merchant, while the bank appears to have misappropriated the two chargebacks. 

I kindly request the CFPB to investigate the bank 's actions, ensure that I receive the rightful refund, and prevent any further embezzlement by the bank, taking advantage of both sides. 

Thank you. 

Sincerely XXXX XXXX
Consumer complaint received 2023-06-05
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A debt collector called " XXXX XXXX '' has placed a debt on my Transunion report for {$670.00} that is not mine, The originator of this debt was XXXX XXXX XXXX XXXX XXXX I have never had any dealings with this organization. Seemingly this nonsense just keeps happening. There is a person in the XXXX XXXX area who uses my exact name. This may be another debt incurred by this individual. I am sick and tired of this nonsense.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KY)

I have authorization to represent XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning their mortgage with Nationstar Mortgage. This authorization is notorized and I can provide a copy. The Nationstar Mortgage company is trying to get XXXX 's to sign documentation without any explaination to what or why they need the documents signed. The email I have acknowledging my authorization is from XXXX XXXX, Government XXXX XXXX, phone XXXX. But I can get no answers for my client and the contact phone number only offers me a XXXX XXXX card if I qualify. 
You may contact me for the proof of documentation. XXXX XXXX, XXXX, XXXXXXXXXXXX, phone XXXX. I am trying to serve a client who needs help. 
Thank you.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

To whom it may concern : This document is my request for 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 XXXX XXXX : " 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 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

Credit Card : XXXX XXXX Issuer : JP Morgan Chase Bank XXXX : Annual Fee ( Misleading Marketing ) At the end of XXXX, 2023 I was approved for the XXXX XXXX credit card with an annual fee of {$520.00}. On XX/XX/2023 I was charged the annual fee. I contacted Chase and they stated that because the " Pricing & Terms '' does not state annual fee waived, the consumer must assume that the annual fee is due immediately after opening the account. 

Complaint : this is deceptive and misleading marketing practice. The bank should not leave it up to the consumer to interpret their generic and vague language in the terms of service.
Consumer complaint received 2024-01-24
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: CL Holdings LLC (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried a numerous amount of time to get these accounts removed. Let alone my information was in a data breach with XXXX and XXXX some months ago and I thought you guys would protect my consumer report. I do not feel my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am so upset and disappointed. These inaccuracies are causing me not to be able to purchase my first home. Im depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is illegal these companies should NOT be furnisher peoples information to 3rd party companies this is illegal, neglect, and fraud. I have already reported this to Federal Trade Commission. These companies and the Credit Bureaus can be sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel you database is inaccurate and I am filing ligation against this if these item arent removed immediately
Consumer complaint received 2023-12-26
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.
Consumer complaint received 2023-07-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Primus Law PC (UT)

Excessively threatened me with wage garnishment and refused to stop contacting my XXXX XXXX wife, I've called the actual lawyer, another assistant and his immediate manager and told them that XXXX is not to contact us any further in the future. The very next person that calls is is XXXX. This is not appropriate.
Consumer complaint received 2023-12-25
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (TX)

I wanted to buy another home so I looked at my credit in XXXX of XXXX, there are alarming accounts and inquiries that I did not make. This is disheartening as I worked so hard on my credit to be in good standing for the past 7 years since college. I have an account with XXXX who as everyone should know by now has gone through more than 3 breaches in the past couple of years. I do also recall missing my purse. I lost my purse on my birthday at the club some time ago in XXXX. Though, when I returned to the club the next day to see if I could find it, to my surprise the club owner gave it back to me with all my belongings still intact so I thought nothing of it. I don't know who could have stolen my information or sold it off for that matter. Again this is disheartening as I have reached out directly to XXXX, XXXX and Experian several times on this - presenting them with all necessary documentation and still have not received any help or guidance. They have yet to respond by deleting all the fraudulent information on my credit report. I paused on putting an application in for a new home and hate that I have to go through all of this. I just want to be treated fairly, I am utterly disappointed in both Experian and XXXX and XXXX. The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts.. XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quickly delete the items from report as soon as possible.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}