davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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: Experian Information Solutions Inc. (CA)

I called your department after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

Incorrect names and addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, Fraudulent accounts : XXXX XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date Open XXXX XXXX, XXXX XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2024-10-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WA)

I recently was involved in a private legal settlement and deposited the checks from the settlement into my Chase bank account. The funds were deposited into my accounts but now Chase is closing my accounts and is refusing to release the funds because they were unable to verify the checks. I called them everyday for XXXX weeks to try and prevent them from closing my account and they asked me for numbers because the number associated with the checks in their system was not picking up. I provided them several different numbers, but they refused to call any of them and told me none of the numbers provided were verified. I got all the numbers from the company 's lawyer, including the number of the person who signed the checks that I deposited. No one from Chase has called these numbers despite them asking me to find them. They say they are not verified and that unless I can provide a verified number my account will be closed. As of today both my checking and savings are closed and Chase is holding on to the funds. They are calling one number that is associated with the checks in their system through the CA Secretary of State, is what I was told, but it has been nearly XXXX weeks and no one is picking up from that number. They want me to get someone to pick up from that number or get another number. I am stuck because no one at Chase is calling numbers they asked me to get for them in order to verify these checks. The other party in the lawsuit confirmed that the funds left their bank and are in my account, Chase is just not letting me access it and is not giving me a solution. To top it off Chase has been extremely rude and they keep moving the finish line. I have been calling them constantly and I have broken into tears several times. One manager told me over the phone crying was not going to help my case. On Tuesday I went into a branch, they called the other party in the lawsuits lawyer and verified the checks and I was told my accounts would be reopened. However, now my accounts are closed and they are holding on to the funds. Several times I have been told that the lawyers number worked to verify the checks and to call back the next day to check my account is re-open and when I check back in they ask me for another number because now the lawyers number doesnt work. I was also told the number for the man who signed the check would work and when I got that for them, they said it didnt actually work.
Consumer complaint received 2024-10-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (AL)

Threatening telephone calls, calling my cell, home and work phone every 30 minutes from XXXX XXXX until XXXXXXXX XXXX and on weekends, using obscene languages. 
Contacted three of my relatives and a friend to discuss my business. Repetitive calls and text messages to the at the home and place of employment when they have nothing to do with their agency. They have all requested that Spire Recovery cease contacting them but they have continued to contact them on a daily basis. It has gotten worse. I contacted Spire and requested verification of the debt, original lender and amount due. I was informed that the information will be mailed to my permanent home address 3 months ago, but it has not. I requested again three weeks ago snd still havent received anything from the company. I asked if it was a legitimate company and the rep laughed but neglected to respond. She insisted that I pay {$30.00} on the date of the conversation and {$200.00} every 2 weeks. I responded that I dont have that kind of money as a retiree. She demanded that I pay the {$30.00} and she sent in the draft for Eft with my bank without my consent and it was returned by my bank. I contacted Spire and advised that I did not grant consent to withdraw the funds. The response was that due to me providing payment of the {$30.00} was consent to draft future payments. I informed that wax not the case and that she was providing misleading info in an attempt to collect a debt that I do not owe to spire recovery. I informed her thst I will not consent to someone over the phone without legitimate documentation.
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (SC)

Through XXXX XXXX 's credit monitoring, I noticed there was a collection out for slightly more than $ XXXX from ERC for the date of XX/XX/XXXX, which was not present on XXXX credit score report ( using XXXX ). Called the phone number listed on XXXX XXXX for the ERC company in question, which immediately asked for my Social Security Number ( I did not provide ). Looking at the phone number and address provided, they differed from the website for ERC. Fraudulent impersonator 's info : XXXX XXXX XXXX XXXX Florida, XXXX, phone number : XXXX. Upon contacting ERC through the phone number on their more legitimate looking website ( found on XXXX ), they said this information was not associated with their company.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to dispute inaccuracies on my credit report that have resulted from a data breach. It has come to my attention that unauthorized access to my personal information has led to fraudulent activities and incorrect entries on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I request that the fraudulent or inaccurate information resulting from the XXXXXXXX Equifax data breach be thoroughly investigated and removed from my credit report. Additionally, I would appreciate a corrected copy of my credit report once the inaccuracies have been addressed. 15 usc 1681 all unverified information must be removed, was promised accuracy under federal law.
Consumer complaint received 2024-10-28
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

For background please refer to our prior complaints XXXX, XXXX, XXXX XXXX XXXX. 

Bank of America 's XX/XX/2022 response to complaint XXXX stated : " I am confirmed that our client was satisfied with this explanation at that time and they now consider this matter resolved. '' The quoted statement is false and was made with no basis. From the inception of this situation in XX/XX/2022 up until now, we have continuously demanded BOA provide us with all the information we have requested regarding the circumstances that led BOA to enter a spurious charge to our BOA credit card account. 

This demand has been reiterated in numerous written and oral communications with many BOA personnel- including attempts to bring the situation to the attention of BOA senior executives in XXXX XXXX XXXX. ( With specific reference to our XX/XX/XXXX telephone conversation with BOA 's XXXX XXXX, in which she apparently claims we expressed satisfaction and considered the matter resolved, we invite CFPB and BOA executive management to audit BOA 's recording of that conversation to confirm we said no such thing. ) We here reiterate our demand that BOA provide all the information we have requested over and over - including ( a ) the name of the bank or other institution to which {$1600.00} charged to our account was transmitted by BOA on or about XX/XX/XXXX XXXX ( b ) the specific information ( meaning the actual precise identifying personal data the imposter provided- not vague generalities, guesses or suppositions as to categories or possible types of information ) BOA received from a party impersonating us, upon which BOA relied in charging our account and releasing funds to the imposter. 

The information is obviously in BOA 's possession. We once again insist it be provided to us, in writing, so that we can determine any additional steps we may need to take to protect our assets.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AL)

I am writing to formally express my concern regarding the disputed accounts that continue to appear inaccurately on my credit report. On multiple occasions, I have raised these issues and requested thorough investigations into these inaccuracies. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are having a severe negative impact on my credit file, which has caused significant hardships in my ability to maintain financial stability. The continued presence of these inaccuracies is unjustly hindering my financial well-being and disrupting my daily life. 

I am therefore requesting a full and immediate investigation into each of the disputed accounts listed in my credit report. It is critical that all necessary steps be taken to correct and update my credit report without further delay. I trust that with your assistance, I will be able to restore the accuracy and integrity of my credit file. 

Please treat this matter with the utmost urgency. I would greatly appreciate your prompt attention to this issue and your cooperation in resolving it as soon as possible. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-28
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. (GA)

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in relation to their failure to delete fraudulent accounts and inaccurate personal information on my credit report, as well as their disregard for identity theft protections and response requirements.

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Experian has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter.

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Experian has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Experian claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe.

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Experians reporting of unauthorized accounts violates this section.

18 U.S.C. 1028A Provides federal protections against identity theft. Experians failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation.

Details of Non-Compliance : On XX/XX/year>, I spoke with an Experian representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-27
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. (FL)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (FL)

First, I pay health insurance through my husband employer, and we have had XXXX XXXX as our primary insurance for over 20 years. What I understand about the process between the doctors office and the insurance is that there is a contracts between my provider, which is XXXX XXXX and Doctors facilities. In addition, I do have a secondary insurance through XXXX, which my provider is XXXX. I always make sure that after 20 years of problems to make sure the doctors office has all my insurance information, which includes the doctors office having a copy of both insurance cards. XXXX is my primary insurance. Im positive that is what I told XXXX XXXX billing. 
When I started to received bills from this office, I just threw them a way at first because I figured that this had to be a mistake and that they would eventually get everything straightened out on their end of things. Then I called the doctors office an asked what this was about. The employee was rude and disrespectful the whole time on the phone. The man whom I talked to in the billing department said that back when Covid was going on their employee who did the billing didnt come back to work, while I am thinking, I can not do anything about the doctors office procedures in billing. I literally can not produce invoices or file claims for a business of medicine to my insurance for payment because I dont know medical codes. 
Once I give the insurance information correctly to the billing office and because they have a contract with the insurance company, it now becomes a communication problem between the provider and the insurance company where I dont usually get involved. Knowing that the Doctors office has experience and good people who knows how to file claims to the insurance provider. If the doctors office make a mistake, usually filing XXXX first, when denied they turn around and file the claim with the other Insurance company, which always pays first. I have found out through XXXX XXXX and talking with XXXX XXXX on a chat call about this bill where she said that XXXX XXXX and XXXX  XXXX office had never even filed a claim. I also found out that the doctors office must file the claim within an agreed time frame which they give up to a year to file with special circumstances. Also, the Insurance company pays the agreed amount between the two business not just what the office charges. According to XXXX the contract states that the provider agrees to correctly submit the claim in the amount of time given and that the balance is not required from the patient because the doctors office did not file within the time allocated. Please look this up on XXXX website..
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

I was notified on XXXX via credit monitoring alert a new collection had been added to my credit report by CREDIT MANAGEMENT COMPANY for the amount of {$1100.00} with the original creditor as XXXX XXXX XXXX XXXX XXXX XXXX I immediately reached out to the original creditor and they stated they have no patient records for me nor any outstanding debt. I reached out to my insurance and checked for any potential claims from this provider and they have not found any submitted claims. 

I have never received any communication from Credit Management stating something had been placed into collections allowing me time to review & validate the debt or dispute the debt. I have no knowledge of this debt and maintain health insurance coverage.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

I left some information in a house I moved out of and after that I was a victim of Identity Theft. The accounts listed below are a direct result of the Identity Theft. I have disputed this with all three credit bureaus several times and included a copy of the ID theft report and police report number and the items still have not been removed. 

XXXX XXXX XXXX Account XXXX Bankruptcy Chapter XXXX XXXX Affirm Inc.- Account XXXX Affirm Inc-Account XXXX Affirm XXXX Account XXXX Affirm Inc.-Account XXXX Affirm XXXX XXXX Affirm XXXX Account XXXX XXXX XXXXXXXX XXXX-Account XXXX
Consumer complaint received 2024-09-22
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. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both accounts above are not mine!! 
and my name is : XXXX XXXX XXXX my birth year is : XXXX, NOT : XXXX