davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. 

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-11
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)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Consumer complaint received 2022-01-11
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. (CA)

I, XXXX XXXX, consumer and natural person am writing to the Consumer Financial Protection Bureau on my behalf. This is not a third party or agency filing this complaint. 

The company, XXXX, are in violation of Federal Law 15 USC 1681 ( b ) -Permissible Purpose Of Consumer Credit Reports which clearly states : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the company, XXXX to furnish any late payments on my credit report. 
These items on my credit report need to be updated.
Consumer complaint received 2020-06-03
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. (TX)

I have sent a letter to Equifax requesting that personal information be removed. They have failed to do so. 

I have also written Equifax to dispute unverified and information that has NOT been properly validated, but continues to be reported on my Equifax Credit Report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

re : bankruptcy file number XXXX After checking my report I saw there's a bankruptcy listed on my report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not Validate the info with the ORIGINAL CREDITOR, they must remove the information from the credit file.

I have received documentation from the bankruptcy court ( the ORIGINAL CREDITOR ) in the mail stating that they DON'T and DIDN'T provide any information to the CRA 's, nor do they ever validate or confirm public records. 

XXXX XXXX has given you documents or information they themselves can't validate or verify, which is this public record. Third party providers or CRA 's collect information regarding public cases or public records, it is NEVER validated by the Recorder of Deeds nor the US Court System due to the FCRA Privacy Law.

At this moment, you are breaking the law and committing fraud because this info has never been validated or verified and its a violation of 15 USC 1681a ( e ) An investigative credit report is when any portion if information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also, I'm also being violated pursuant to 15 USC 1681b ( a ) ( 2 ) considering you do not have my consent to furnish my information as well as 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 

Your fraudulent activity and continuous violations are causing me injury because it preventing me from obtaining credit to support and sustain my family. I need to bankruptcy information to be permanently deleted and removed from my report immediately and if this unauthorized public record information is not deleted from my report in the next 30 days, I will be filing a complaint to the FTC. 

Failure to respond in a satisfactory manner within 30 days of receipt of this complaint will result in a small claims action against your company and I will be seeking no less than {$5000.00} in damages for but not limited to : Defamation, Negligent Enhancement of Identity Fraud, Violaton of the FCRA and Consumer Financial Protection Bureau.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I paid ( via Banks Bill Pay ) {$150.00} from my XXXX Bank ( Pacific Premier ) checking account ending XXXX to XXXX 's credit card ending XXXX. This amount of money is stolen by XXXX Bank ( Pacific Premier ) or the XXXX Credit card company and it is missing for ever, no where to be found. I called XXXX Bank ( Pacific Premier ) and XXXX, they provided no help. Both are run by hardened criminals and bandits, who are engaged in Electronic Fund Transfer Fraud & Wire Fraud.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (VA)

In accordance with the fair credit Reporting act XXXX Account Ending # 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 a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-06
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: JPMORGAN CHASE & CO. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JPMCB AUTO XXXX Balance Owed : {$6200.00}
Consumer complaint received 2021-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

MBA at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has been sending me collection noties in the amount of {$1400.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2018-02-06
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. (IL)

On multiple occasions I have contacted Experian in regards to their reporting of XXXX XXXX XXXX ; a collection agency reporting a medical debt from a state that is not my own. 

I reached out to the collection agency and they sent me documents that not only provided a signature that was not my own, but had documents that would clearly be a violation of HIPAA. This debt belongs to XXXX XXXX XXXX. XXXX has not contacted me about this debt. 

I spoke with an Experian representative on XX/XX/XXXX. On XX/XX/XXXX I received an alert on my Experian account. XXXX XXXX XXXX came back verified. This was absolutely impossible. 

Experian is the only credit bureau I have had an issue with. This fraudulent collection account is only on this report and it is the only collection account I have on all 3 of my credit reports.

If Experian actually verified that this account was mine they would know that XXXX is 1 ) not legally allowed to collect in the state of Illinois 2 ) attached documents that have a signature that is not mine 3 ) the originating debtor is showing an address in Georgia.
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In 2017 I filed a complaint with equifax regarding an incorrect balance on my credit report with XXXX XXXX. I informed them that they are reporting inaccurate information and asked them to verify the information. They refuse to remove the false information.
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (TX)

I XXXX XXXX, the natural living breathing person have proof that American Credit Acceptance have been and continue to violate my consumer rights. I the consumer have noticed American Credit Acceptance has violated me 20 times and have proof of admission. American Credit Acceptance has violated 15 US CODE 1681 ( A ), 15 US CODE 1692 D, 15 US CODE 1635, 15 US CODE 1692 B ( 2 ), 15 US CODE 1692B ( 3 ), 15 USC 1681N ( B ), 15 U S CODE 1601 ( A ), 16 USC 1692 ( E ). American Credit Acceptance also had a third party guest illegally repossess the vehicle.
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MN)

My Chase Debit Card was lost/stolen and someone used my Chase Debit Card and made unauthorized charges and transactions of {$8000.00} from XX/XX/2021 to XX/XX/2021. The charges that was made from XX/XX/2021 to XX/XX/2021 are all unauthorized charges. I reported the unauthorized charges to Chase Bank, but they still holding me liable for the unauthorized transactions. Under the Federal Electronic Fund Transfer Act ( EFTA ), my liability for unauthorized charges are {$0.00}. Chase Bank is holding me responsible and liable for unauthorized charges which is a violation of the Federal Electronic Fund Transfer Act. The unauthorized transactions are not my transactions.
Consumer complaint received 2021-11-30
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (PA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2024-02-22
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. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-02-11
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: TRANSWORLD SYSTEMS INC (TN)

On XX/XX/2019 Transworld Systems added a derogatory mark on my credit report per XXXX XXXX. Upon, Further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Transworld Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (MD)

According to the FCRA 15USC 1681i ( 5 ) ( B ) ( i ) ( ii ) ( iii ) once information is deleted it shall not be reinserted. There are various accounts that was deleted that has reappeared on my credit file. These accounts needs to be removed and blocked immediately. This reinsertion is a violation of my rights. 
The accounts that need to be deleted XXXX XXXX-XXXX- {$60000.00} XXXX XXXX-XXXX- {$5000.00} XXXX XXXX-XXXX- {$6800.00}
Consumer complaint received 2020-06-03
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: Perfection Collection (TX)

I have disputed information on my credit report with XXXX and XXXX XXXX XXXX beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents. 

XXXX XXXX XXXXPerfection Collection has flat out refused to provide proper documentation and they are reporting the debt to different bureaus under different company names. 
XXXX and XXXX has continued to state that the accounts have been verified even though I have sent notice and supporting documentation that they gave NOT be properly validated per the FCRA.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC (CO)

I asked Revenue Enterprises for a debt verification since I have been receiving different debt collection accounts with different amounts. Weeks later a debt collector from Revenue Enterprises called me asking for my spouse, my son, and my personal information. I refused to provide him the information, he threatened me to report me to the credit report agencies and that he was going to damage my credit. 

On XX/XX/2018, they answered my request for debt verification on one of the accounts. I'm still waiting for the other two accounts. I received a statement that only shows the services provided and the amount already paid, but they fail to send me a detailed receipt and they refused to tell me why I owe them this money. It looks like they want me to hand them my money for no reason.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX credit card had closed MY CREDIT CARD ACCT WITH OUT MY PERMISSION. 

XXXX credit card had closed MY CREDIT CARD ACCT WITH OUT MY PERMISSION. 

XXXX XXXX XXXX Bank had decrease my credit limit not once BUT TWICE with out my permission.
Consumer complaint received 2022-01-11
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. (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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I submitted a very large payment to Pennymac by overnight mail. The tracking indicates it was received on XX/XX/19 at XXXX XX/XX/XXXXand signed for. Now it is 5 days later and they tell me they can't find the payment and that I should give them another 5 days to locate it. The payment was a VERY large amount, paid to their billing address with a cashiers check made out to Pennymac.
Consumer complaint received 2023-04-01
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: 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 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 Balance : - XXXX XXXX XXXX Balance : - Original creditor : XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX