davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

I received a collections from Credence Resource Management regarding an XXXX XXXX XXXX  account on my credit report. Account # XXXX associated with Address XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (MA)

CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. 

This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ).

As the consumer, the natural person, natural creditor, administrator, and executor, I legally refuse to pay this alleged debt pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor.

2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts.

3. Pursuant to 15 USC 1692C ( c ) ( 3 ), I demand you delete my account from all credit reporting aagencies. 

SEND ME A COPY OF MY CONSUMER REPORT UPON COMPLETION. 

FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

In 2000, I was an employee of chase bank before suffering a XXXX and left after XXXX XXXX was exhausted. I attempted to maintain my bank account with chase and recently opened another checking besides my primary checking and savings. The XXXX account was opened for a pending settlement ( in which I already given the routing and account number to my attorney ). My primary account was used for my direct deposit of my social security check which I received XXXX a month, This is the only income I receive. My fix income forced me to watch every penny. Recently, a team lead scolded me for opening another chase claim and told me I 've had a claim every month and he did n't believe this claim, I filing for XXXX was a good claim and he would never open it and went on to tell me he will allow the temporary credit this time, but will note on my account that I need to follow bank policy. Several days later, I was told chase no longer wanted me as a customer and my accounts were closed. The back has retaliated because I filed claims against merchants who has taken money and refused to return it or they made a mistake on my card and I usually can not get them to cooperate with what I am asking. For example, one merchant charged my card for XXXX after paying him XXXX with another card ... .then said. oh I thought that was a tip ... .Another example is the reason I left chase as an employee, I took the XXXX and suffered a XXXX, the company was sued for several XXXX and I won that case. I purchase a product LeVel, for weight loss and was told it was not approved by FDA and a boy suffered a XXXX. I contacted the merchant via email and they would not contact me back as they did when I was considering purchasing the product, I fax them also with proof that I had already suffered a similar injury and needed to speak with them right away, I included my phone number and still no response ... so what am I to do, but ask chase to refund my money and know they will investigate. I explain this to the person who initiated the closure of my account and he told me other customers are not having this problem. Why am I being compared to other customers who may not have a fix income such as myself or have XXXX. I believe chase supports the closing of accounts of customers with too many claims, which is my right. However, if that 's frown upon, why did they not state this will close your account if I take this claim. I believe the bank hides this fact and will justify this by their right to close any account of any reason ... ..because they are a huge bank and they can do this? or can they?
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Been trying to have XXXX fix with little or no response. XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of 90 and 120 days on 16 individual loans which are showing 32 missed payments for these two months. No 30 day warning given.

The account had never began getting payments let alone should only be at the most two missed payments not 32. I am enrolled in the payment based on income.

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XXXX states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Consumer complaint received 2022-02-01
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. (WA)

Been trying to have XXXX fix with little or no response. XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of 90 and 120 days on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No 30 day warning given. 

The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. 

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XXXX states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Been trying to have XXXX fix with little or no response. XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of 90 and 120 days on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No 30 day warning given. 

The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. 

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XXXX states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (SC)

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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 2022-02-01
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  -- - ) XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

While reviewing my XXXX card account online on XX/XX/, a promotion popped up promising a {$10.00} reward for enrolling in XXXX XXXX. I enrolled that day. The promotion specified that the reward would post within 30 days of enrolling. I am attaching the promotion as well as the screenshots evidencing my enrollment. 34 days have passed, but Capital One still has not posted the reward. I satisfied all the promotion 's requirements, but Capital One has not.
Consumer complaint received 2022-02-01
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. (GA)

I have 6, 30 day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of 2021, I have sent 15 USC 1605- Determination of finance charge, 15 USC 1666b- Timing of payments 15 USC 1681 b- Permissible purpose, 15 USC 1681 a ( 2 ) ( B ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have XXXX, 30 day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of 2021, I have sent 15 USC 1605- Determination of finance charge, 15 USC 1666b- Timing of payments 15 USC 1681 b- Permissible purpose, 15 USC 1681 a ( 2 ) ( B ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.
Consumer complaint received 2022-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CO)

We have had our loan with caliber home loans for the last five months. Every single month something is wrong with our account. We consistently get erroneous late letters and late fees. We have tried to pay early, we have tried to pay on time, we have tried over the phone and talking to a specialist. Nothing seems to work. Last week when I called the company, the automated system said I am enrolled in Covid relief program??? Then my loan says I owe the original loan amount and I am over 90 days late??? Now the automated system is saying something about a debt collection. We have never been late and have always paid on time. Caliber home loans is extremely frustrating and I am concern about my credit report.
Consumer complaint received 2022-02-01
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to DELETE these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX, XXXX day late payments on my credit report. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ALL of XXXX, I have sent XXXX XXXX XXXX Determination of finance charge, XXXX XXXX XXXX Timing of payments XXXX XXXX XXXX XXXX Permissible purpose, XXXX XXXX XXXX XXXX  XXXX XXXX ) ( XXXX ) Exclusion from consumer reports. With no remedy., They told me they are having difficulty identify me.
Consumer complaint received 2022-02-01
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. (PA)

Credit bureaus and creditors were first made aware of identity theft and inaccuracies on my report in on or around XXXX associated with these fraudulent accounts loans. All accounts associated with this debt should have been reported as fraudulent. This discrepancy has thus been removed from only XXXX out of XXXX of the credit bureaus. I am sending this complaint on behalf of both XXXX XXXX and XX/XX/XXXX for still reporting inaccurate information. I spoke with a supervisor from credit Bureau and was told back in XX/XX/XXXX that this would be removed however its still being reported. Since then I have filed XXXX separate police reports concerning this fraud and forwarded this over to the company and never got response.
Consumer complaint received 2023-07-21
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. (NC)

in accordance with the FCRA XXXX XXXX bank XXXX and XXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A XXXX  DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2015-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I have had a bank account at Chase for about 7 or 8 years. I have filed a number of claims regarding double payments to XXXX with the Debit Card and a Credit Card. The merchant XXXX has been refunding the amounts as expected, it seems more from my efforts than those of Chase. I was told on or about XXXX XXXX, 2015, that the Claims Department was going to close the account without explanation and I would be getting a letter as such. I have never received the letter and the account is now restricted but not yet closed based on the information the Claims Department gave me on the phone.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In response to the recent investigation findings, I express my disagreement and request thorough accuracy in the review. My dissatisfaction stems from a belief that the efforts to contact the creditors reporting the accounts on my credit report were insufficient. Consequently, I am seeking additional information about these specific accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7900.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4100.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3700.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$7700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4200.00}. As previously mentioned and in accordance with the provisions of the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, I request a re-investigation of these disputed accounts. Additionally, please provide the names and addresses of the individuals or entities contacted during the investigation. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have XXXX ( XXXX ) days from the receipt of this communication to complete these actions unless I am notified otherwise. It is important to note that failure to verify these accounts within the allotted time frame constitutes non-verification, necessitating prompt updates to my credit report in compliance with Section 1681i ( a ).