davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Kindly correct or discard the following items right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-11-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$21000.00}
Consumer complaint received 2020-08-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-14
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. (CA)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Experian sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts below : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I made a significant deposit during the period to my account, which should have resulted in the monthly fee being waived. However I am being told since I withdrew part of it soon after that it does not qualify and I was charged a monthly fee ( on top of a variety of other fees I already had to pay this month for accessing and transferring the money ).
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

I have been trying assiduously to close/cancel a Chase credit card issued through XXXX ( or XXXX XXXX, ending in XXXX ) since early in the year, before covid. I have tried again, in XXXX, with the same result. Their phone system does not offer an option to cancel the card or to speak to a human being. Their online system routes anyone seeking customer assistance to a blog where customers are supposed to post how they solved their problem for the aid of other customers - but it does not get a response from a Chase representative. 

I want to cancel the card. I wanted to cancel the card before the annual fee was due, on XXXX. Since this was not possible, I payed the fee of {$85.00} to prevent damage to my credit score. I believe I have a positive balance on the card. I would like the {$85.00} fee refunded and the balance remitted to me. 

Thank you, XXXX XXXX
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

My wife 's wallet was stolen in the early AM hours on XXXX  XX/XX/2021. We assume between midnight and XXXX XXXX. It was left in our vehicle and the vehicle was opened and rifled through, they found the wallet and left. At XXXX I got a text from Chase bank notifying me of potential fraud on my card, a decline at XXXX  for a charge of {$190.00} I immediately notified them that this was NOT us, to which they told us they'd be closing the card and they'd send a new one. My wife 's physical card was taken and used at this target. 

Later that day when checking all of our accounts we noticed there were more fraudulent charges tried at that same target with that same card for {$460.00}. These charges happened after we had already notified them that this was not us and they had supposedly canceled the card. I called to report this as additional fraud and they said they'd take a look at it. There were other cards used and those all were handled without any issues. 

Recently they came to their final decision, after multiple rounds of disputes, that this was indeed not fraud with the reason given of " You received benefit from this transaction ''. When I talked to a Chase representative on the phone they said this was due to the card being present and that since it was a chip card being used in person this wasn't fraud. I even sent in a police report to try to prove that we were not the ones using the card. Their insistence that the card simply being present means that we are benefiting is frustrating at best.
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have opened student loans in the past 3 years and they were being reported accurately to the credit bureaus until recently. I noticed that many years of successful payment history has been deleted. The most recent payment history is only dating back six months. The credit bureaus refuse to update this inaccurate information which leaves gaps in my credit history. I want this resolved immediately.
Consumer complaint received 2022-10-26
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. (PA)

I have tried to contact Experian to talk to a person using the following numbers. XXXX, XXXX and the machine says you can only talk to a person if you meet a certain criteria. Whatever that means, I have been trying to address the item on my report ID # XXXX. They said they sent me a result summary on XX/XX/2022 I found that summary and it says XXXX does they're public records. The problem is I opt out of XXXX on XX/XX/2022 because i never consented to anyone putting out unverified information on me. And since the XXXX court doesn't report to the bureaus I have to assume unverified information on me was sold. But the fact remains I opt out of XXXX on XX/XX/2022 but Experian claims they verified this information in XXXX. How, I attached a copy of the confirmation letter.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (IL)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if XXXX XXXX XXXX XXXX XXXX has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.
Consumer complaint received 2022-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (GA)

Aargon Agency Inc is tempting to collect money from me. Ive never heard of them never seen them. Also they have it in my credit which is impacting my ability for financing.The day it opened was XX/XX/1922 XXXX
Consumer complaint received 2021-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX - Inquired on XX/XX/XXXX. 
CAPITAL ONE AUTO FIN - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

Account Ending In XXXX Reference Number : XXXX Merchant Name : XXXX XXXX Transaction Amount : {$500.00} Transaction Date : XX/XX/2020 Dear XXXX XXXX, We are writing regarding your inquiry about the charge ( s ) from XXXX XXXX of {$200.00} on your account. Request you to please provide detailed letter describing the events surrounding your claim, including the exact amount of credit you are requesting. 



Request you to please provide details of overcharge with exact amount you are disputing with proof of being overcharged and please provide proof of merchant agreed to do a price match or agreed to refund or proof of promised refund. In addition to above, if you have any documents pertaining to the claim, then please provide us with that. 



For all other claims, please send us a detailed letter describing events surrounding your claim, including exact amount of credit you are requesting and any additional information you believe will help us to investigate the claim on your behalf. You can send us information by uploading your documents at americanexpress.com/document center. Be sure to select Billing Inquiry as your document category and use your Dispute Reference Number for your submission. If you prefer, you may also fax it to XXXX, or mail it to following address : American Express Credit Card Account, Customer Service Department XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

today i got this email after numerous letters sent and calls i have explained over and over why i dont have the chat transcript wherein the XXXX was promised to be refunded my phone rang friend was in an accident and i was unable to save the chat i have explained this many times over and over no one listens Same form letter just like when i originally called this in it was not taken accurately.XXXX XXXX stimply sent bill and i was rebilled this is NO T the dispute the dispute is whether i was promised something which i was and i do not have proof what i do have here is however is a good name and i am not sure what will happen here but i know i wont use my cards any until this is properly resolved. 
i have no other info than what i sent please ASK them to investigate who andw why i was lied to put it on them. they have more resources than me i wont pay this i cant use my accounts here either right now
Consumer complaint received 2021-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

To Whom It May Concern, I am writing to dispute the following information on my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. The same Inquiry does not show on my Equifax Credit Report. As such, it is a very serious error in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report.

Your immediate attention to this matter is appreciated.

Sincerely,
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by trans union, XXXX, and trans union 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay 26 dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

1. Provide validation of the debt, that is, the actual accounting.

2. Verification of their claim against you, that is, a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.

I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.