davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts per section 15 U.S.C. 1666b XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX XXXXXXXX XXXX : Account Number XXXX
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (NC)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-02-01
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. (GA)

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

XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX Card # XXXX has violated my rights. 

15 U.S.C 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 2021-01-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE CREDIT BUREAUS HAVE NOT REPORT MY INFORMATION ACCURATELY, THEY HAVE FAILED TO REPORT MY CREDIT FAIRLY BY LAW THROUGH THE FAIR CREDIT REPORTING ACT THAT IS THERE TO PROTECT PEOPLE AS ME WHO IS IN SUCH A SITUATION LIKE THIS, NEVER HAVE I GOT NOTIFIED ORALLY OR WRITTEN. THIS IS UNFAIR PRACTICES AND NOT JUSTICE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$7900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX XXXX Potentially Negative Status Open. 
Account Type Auto Loan Balance {$9600.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX  XXXX XXXX Potentially Negative Status Open. 
Account Type Credit card Balance {$50.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX XXXX  XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX - NOT MINE. 
XXXX XXXX {$470.00} Date Opened XX/XX/XXXX
Consumer complaint received 2021-01-05
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: CITIBANK, N.A. (NY)

I am writing to CITICARDS CBNA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CITICARDS CBNA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2022-11-11
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report
Consumer complaint received 2023-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire in the total amount of XXXX USD utilizing JP Morgan Chase services.
Consumer complaint received 2023-02-01
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. (TX)

Experian has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete a I can tell that a proper investigation has not been conducted by Experian. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

This is a violation of 15 USC 1681s-2
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (IL)

In accordance with fair credit report act XXXX XXXX XXXX XXXX XXXX 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 the off state consumer report without my written instruction.
Consumer complaint received 2023-05-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX late open 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 2018-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

ON XX/XX/2018 I made a transfer out of XXXX for what I thought was {$290.00} but when it actually went through it was {$2900.00}. I got a text from Chase asking if approved the transaction. I texted back no but then realized it was approved, just the wrong amount. Chase then called me and I told the customer agent that it was approved, but the incorrect amount, I was then transferred to file a complaint against XXXX for the {$2900.00}. I opened the claim as wrong amount but somehow Chase made it a fraud claim. Three days later, I then called back to explain that it was not fraud but wrong amount dispute. Chase helped me reopen a claim and said everything would be fine. However, two weeks later I got a letter in the mail that both claims were closed and my temporary credit was being revoked on or by XX/XX/XXXX. I then recalled Chase and reexplained the situation and they helped me reopen a claim which was again denied and my credit revoked. I contacted the merchant ( XXXX ) multiple times throughout this process and they keep insisting they have returned the full amount ( XXXX ) to Chase because of a claim that I had filed. However, both my temporary credits were revoked and Chase had at that point closed all three of my complaints without giving me my money back. At the same time, the balance which was in my XXXX had all XXXX removed. As a large corporation, I trust XXXX as they e-mailed me multiple times : XXXX from XXXX here. I am an account specialist and I will be managing your case moving forward. 

1. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX CDT Hi XXXX, It looks like your payment of {$2900.00} made on XX/XX/18 was disputed by your card company and caused loss on your account. The held funds in the balance were used to recover this loss. 

I would recommend reaching out to your card issuer, as it looks like they have filed a chargeback for this payment so they would have reimbursed you. 

2. XX/XX/XXXX Thanks for following up. I can confirm to you that the funds from the transaction you are referring to were returned back to your bank as part of the chargeback dispute. Please note that these can take up to 90 days to process by your bank. If you bank is claiming that they denied the claim, you will need to recover those funds from them as they have been returned to Chase at this time. 



I am now stuck as Chase refuses to do anything becuase they say I filed an unauthorized claim when it was authorized as an agent had called me and I said it was approved. However this is not exactly the case. ALso, XXXX insists they have returned the funds to Chase but my account is still absemt of XXXX. I would just like for the funds to be returned to me and not be caught in a cycle where both the bank or merchant refuse to do anything.
Consumer complaint received 2022-02-23
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: Rent Recovery Solutions (AL)

Rent Recovery Solution is attempting to collect on a debt not owed to a company that I do not owe. I have disputed the debt with Rent Recovery Solutions by mailing and by phone. Rent Recovery Solutions is still attempting to collect on this debt. I have made attempts to resolve starting in XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2021-01-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have submitted multiple disputes to XX/XX/XXXX XX/XX/XXXXand Experian about the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report
Consumer complaint received 2021-01-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

Original debtor requested certain information that was sent by myself, and uploaded directly on the website on XX/XX/2020 and XX/XX/2020 to validate that this debt could not be paid, and that I needed to be put on a deferment or repayment plan. Original debtor refused to acknowledge the uploaded document, and requested that the document be frivolously uploaded together. The debtor is using frivolous tactics to collect on more than what is owed and may be in violation of FDCPA rights for consumers.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Sent a letter on XX/XX/XXXX seeking validation on two debts this collection agency is reporting falsely on my credit report. Received reply dated XX/XX/XXXX with alleged bank statements in which I do not recognize. Received another reply dated XX/XX/XXXX from Portfolio Recover Associates stating that they have fully validated the dispute and they will not respond to requests seeking validation any further. 

On XX/XX/XXXX I sent a follow-up letter reminding them that I have not received proper debt validation per FDCPA, and that I am still seeking validation of the debt. I reminded them that they haven't sent adequate validation of the debt and that I will be taking legal action should they continue to falsely report the debt to credit bureaus. 

On XX/XX/XXXX I received another reply from PRA dated XX/XX/XXXX which provided no information regarding the debt, but rather a total amount and a bank name. 

At this point I am seeking damages regarding this matter and will be filing civil action against PRA.
Consumer complaint received 2024-01-04
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. (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going through my credit report and notice some wrong information on all XXXX credit reporting agencies ( EXPERIAN, XXXX, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.
Consumer complaint received 2023-02-01
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. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-15
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. (VA)

XXXX XXXX XXXX is reporting inaccurate information on my credit reports. Because this information is incorrect it is harming my credit score. The account need to be removed from my credit report. Since COVID-19 have been XXXX, unable to work and can not afford credit score to continue to be harmed since. This trade-line should be removed immediately or I will sue under every law possible.
Consumer complaint received 2023-02-01
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. (NY)

I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaint and letters I submitted on XX/XX/2023, and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-01
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. (AR)

XXXX. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within XXXX  days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : CXXXX XXXX XXXX  Balance Owed : XXXX XXXX FINCL XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$XXXX}