davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-20
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAVE BEEN CAUSING SERIOUS DAMAGE TO MY NAME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT AS SOON AS POSSBILE. BECAUSE OF THOSE NEGATIVE MARKS IT HAS BEEN VERY DIFFICULT TO ACQUIRE NEW CREDIT. PLEAS BE MINDFUL THAT THOSE ACCOUNTS ARE INACCURATELY PLACED AND THEY DO NOT BELONG TO ME.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/XXXX. chase closed both of my credits cards for no reason talking about they made a finAl decisioN to end ouR banking relationship.

I didnt even have both cards open for even a year and they say they cant re open the cards which i am 100 % sure theyre able to do. and this will severely negatively affect my credit score. i just turned XXXX XXXX XXXX XX/XX/XXXX and got my first card with chase and then got my 2nd card with them in XX/XX/XXXX. I had a very good banking relationship with them even with a checking account. i used their cards very often and paid them off every week and never paid any interest or fees. so them closing TWO of my credit cards at ONE time will destroy my credit and ruined my thoughts of this bank entirely. I called them right after just to hear them say the decision is final and they wanted to end the banking relationship by closing BOTH cards which is ridiculous. all they left was the checking account that i dont even care about anymore at this point. literally the most annoying thing ever.
Consumer complaint received 2019-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I'm XXXX XXXX. There are inquires and collections on my credit report that happen to be a result of identity theft. Please remove them from my report. Thank you and best regards. 

XXXX XXXX XXXX {$370.00} Capital One Bank USA {$130.00} Inquiry XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-12-24
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX SINCE XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/, has violated my rights. 
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 an account without my written instructions. 

This inquiry from XXXX XXXX XXXX is fraudulent, because I did not authorize this company to pull my credit file.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (FL)

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX  is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (CA)

1. I financed a manufactured home through Land Home XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Il XXXX. I borrowed {$180000.00} to do so as a construction loan. 
2. XXXX XXXX charged me interest on a {$210000.00} loan balance from XX/XX/XXXX through XX/XX/2022. XXXX XXXX had approved me for a {$210000.00} loan, but I did not require that amount. I used about {$180000.00}. However, they charged me interest on the full amount until the loan was recast on XX/XX/2022. 
3. XXXX XXXX was to impound insurance and property taxes on said HOUSE as a stipulation of the loan. 
4. The current escrow and loan do not reflect any Property Taxes on the HOUSE I financed.

5. The only property taxes XXXX XXXX impounded is on XXXX valued at {$25000.00}, which is {$370.00} annually. 
6. I own the land free and clear. 

I have contacted XXXX XXXX on many occasions to discuss the problems with the loan. Each time I talk to a representative and they tell me a different solution. I can not find anyone high up enough to solve my problems. They have sent me several letters which state the same exact thing as the first letter. 

The loan was not written correctly in the first place, and XXXX XXXX did not redraft the loan papers to fix the errors. Instead, they persist in charging excessive monthly escrow fees over and above the {$1600.00} needed annually for the escrow account. 

They are charging me {$410.00} per month. It should be about {$200.00} per month.
Consumer complaint received 2023-01-23
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. (GA)

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 XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXXXXXXXXXX Balance : XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Report Act XXXX, Inquiry from XXXX XXXX XXXX XXXX date : XX/XX/2022, has violated my rights. 
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 an account without my written instructions. 

This inquiry from XXXX  XXXX is fraudulent, because I did not authorize this company to pull my credit file.
Consumer complaint received 2017-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I recently checked my credit report and discovered that this company has reported that I owe them a debt and to my knowledge they have never provided me services nor goods. My rights were violated under section 809 of the FDCPA
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

I have a chime account that has been locked since XXXX XXXX. I have called and emailed chime multiple times since XXXX, XXXX, XXXX, XXXX, and XXXX. Ive emailed them at support@chime.com and review@chime.com including sending the requested documents including pictures of govt. ID, Social Security, proof of address, etc. and I still havent received any response from them. When I asked them why my account has been locked they said it wasnt in compliance with chimes policy and I ask them how and they didnt give me a clear answer on how my account wasnt in compliance with their policies. We are now in XXXX of 2022 and I dont know what to do I even requested they close my account and mail my funds to my address and they even denied that so I just wan na know what I can do to get them to respond and unlock my account, I havent been able to pay my bills, my phone is off, i am now living with my mother cause I couldnt pay my rent and Im down right now so if you can help me please give me a response
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

In XXXX of 2021 I checked my credit and found out that a company that I had no idea of was reporting to the credit bureaus that I owe them money. I have sent several disputes to them as well as the credit bureaus and they have all said it was verified as mine. I asked them to send me the validation that it was mine and all the methods used to validate these claims to which they have ignore all my request and continue to report on my credit.
Consumer complaint received 2023-06-28
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. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Banks and XXXX & XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SDXXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-03-01
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. (TX)

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. 

XXXX XXXX  30-day Late Payment - XXXX XXXX XXXX  XXXX 90-day Late Payment - XXXX XXXX XXXX  60-day Late Payment XXXX XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXX  Charge Off - XXXX XXXX XXXX120+day Late Payment - XXXX XXXX XXXX - XXXX XXXX XXXX 30-day Late Payment - XXXX XXXX XXXX XXXX- Collection - XXXX XXXX XXXX 30-day Late Payment - XXXX XXXX XXXX 120+day Late Payment - XXXX XXXX XXXX XXXXXXXX Charge Off - XXXX XXXX XXXXXXXX XXXX Bankruptcy - XXXX has violated my rights 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 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 2023-01-16
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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. (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. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2019-11-20
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. (PA)

Here we have a paid off account with debt collector XXXX XXXX XXXX. This debt has been paid off since XXXX XXXX, Collectors agreed to remove the account from my credit report immediately after payment, Still to this date XX/XX/2019 it is still showing on my credit thus affecting me in a negative way. Collectors state they report monthly. I have called in numerous time in attempt to get it removed, in return i get mixed responses on a solution.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDEPT OF EDXXXX, have violated my rights.

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 an 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 2021-11-10
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. (MI)

Enclosed find information from consumers energy of proper dates which is correct and Equifax has submitted different dates which is inaccurate information on credit report. Please find attachment that XXXX XXXX removing XXXX XXXX XXXX from credit report
Consumer complaint received 2019-12-24
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX
Consumer complaint received 2019-12-24
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. (NY)

i am filing this complaint because XXXX, transunion and XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Around XX/XX/XXXX, Comenity encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. Comenity Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although Comenity claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, Comenity admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, Comenity acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from Comenity Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. Comenity attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, Comenity insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from Comenity, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

Comenity 's actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.
Consumer complaint received 2023-03-01
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. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.