davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have tried to fix the situation with this company multiple times with Fair collection & outsourcing. This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding Fair collection & outsourcing to properly remit 1099c so that I can properly file my taxes. I am demanding that fair collections & outsourcing send me a copy of the 1099c b for the debtor documentation that Fair collection & outsourcing has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which Fair collection & outsourcing has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that Fair collections & outsourcing is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.
Consumer complaint received 2020-07-08
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Department of EducationXXXX XXXX XXXX inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my Experian & XXXX report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc. (FL)

MG Credit has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Account information below : Account number : XXXX. 
Date Opened : XX/XX/2016 Original amount : {$690.00} I have made my research and MG Credit company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failure to provide notice of collection insertion. 
Misrepresentation of facts. 
Failure to mark account as disputed. 
Bill was contested and disputed which he did not incur, there was no contractual basis for debt. 
Negligence. 
Unfair business practices. 

Because all the damages and violations that I have suffered, I demand to get the account removed from my records as soon as possible. 

Please send the attached documentation to the company. 

Thank you.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Consumer complaint received 2022-06-09
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: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/XXXX, I reviewed a report, because I was denied the right to open an account. After reviewing the report, I noticed a plethora of inaccuracies and fraudulent information being reported. On XX/XX/XXXX I contacted ChexSystems to file a dispute for the inaccurate addresses and email listed, and the fraudulent information being reported by XXXX XXXX XXXX I spoke with XXXX, a representative of ChexSystems, and informed her of the fraudulent information and inaccuracies. I confirmed with XXXX, my complete address, and that this was the only address I can attest to. Anything else was inaccurate and fraudulent. reported. XXXX insisted that the adverse information being reported by XXXX XXXX XXXX  was verified by the financial institution as 100 % accurate. I asked XXXX if they sent me valid paperwork so that I could confirm. XXXX said they sent me a letter on XX/XX/XXXX confirming this information to be accurate. The call was escalated to her supervisor XXXX. I spoke with XXXX ( XXXX ) and XXXX insisted that the information was verified by XXXX XXXX XXXX In accordance with the FCRA section 611 ( 5 ) -TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION IS TO BE DELETED. ChexSystems had a duty to properly verify everything being furnished to them from XXXX XXXX XXXX  and also provide me with the corresponding information. It was never received, so I am to assume that they never sent the information to verify the accuracy of this alleged account. ChexSytems was also to not furnish any adverse information that results from fraud, and that the information they furnish to financial institutions is 100 % accurate, and ChexSystems failed to do that. Without properly verifying, ChexSystems has criminally and willfully reported this adverse information for over XXXX XXXX and also furnished this inaccurate information to another XXXX.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Department of EducationXXXX XXXX reported inaccurate information on my credit report. The accounts were removed from XXXX report because of the violation. 

XXXX has still fail to remove the accounts on my XXXX & TransUnion report which still are causing a reporting issues of inaccuracies. 

By law everything should be reporting the same across all 3 bureaus.

15 usc 1611- false & inaccurate information willing & knowingly
Consumer complaint received 2021-03-31
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: I.C. System, Inc. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-31
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: Spring Oaks Capital, LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX REC ( Original Creditor : XXXX XXXX XXXX  XXXX TX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ... SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

In regards to GM financial account number XXXX I have filed complaints with GM, XXXX and XXXX. About the account. On XX/XX/2022 all XXXX places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when GM cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All XXXX of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

I had a care credit account and recently fell behind. I contacted care credit on XXXX to get the card caught up. I first spoke to a gentleman, who started to offer either a settlement or a payment arrangement. At the time the card was less than 90 days behind with the next payment due XXXX. I explained I did not want to take any option that would result in account closure. The gentlemen then transferred me to a women who went over the same options starting with offering me a 60 % settlement over 3 months. The other option was to close the card and pay over 60 months. I expressed I wanted to bring the account current and did not want the card closed. The care credit representative stated " I agree and that is a better option. '' I paid {$570.00} and agreed to pay {$100.00} more by XXXX Again I expressed I did not want the card closed and the representative confirmed and collected the $ XXXX The next day I logged into my care credit account to find it was closed. This was a total shock as I expressed I wanted the card to remain open and the care credit rep agreed this would happen. I contacted Care Credit by phone to request a refund. As the {$570.00} was a XXXX loan and an attempt to get the card back on track. Care credit transferred me around after explaining the story 3x. Finally I was hung up on. 

Care credit used deceptive practices to collect monies from me with knowledge they intended to close the account regardless of what was communicated to me. I want my monies refunded and the debt to be eliminated as a result of the neglect action taken by Care Credit, this card will now show as a charge off. As the consumer I was misadvised and money was taken with the verbal agreement the card would remain open. I do plan to also contact an attorney as well. Care Credit recordings will support my above account of events.
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  has violated my rights 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I was notified I had a {$700.00} collection on my credit report. When I looked into it XXXX a collection for a utility company out of XXXX, XXXX. When I called them they said a woman used my social security number to open an account. I am going to their process now which includes this complaint and a police report was filed. I do not have any property in XXXX, XXXX  where the utilities were shown to be hooked up. I called the company in early XXXX to get this remedied, but need this complaint to proceed.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (FL)

I reached out to Southwest Credit Systems on XX/XX/2022 requesting information regarding my debt. I asked to please be provided with with paperwork in regards to this debt that I have no knowledge with. They refused to provide me with the debt.
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item I am complaining.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Urgent Request for Proper Investigation of Fraud Claim - Reference : XXXX Dear Chase Fraud Operations Team, I am writing to express my serious concerns regarding the handling of my recent fraud claim. My claim was denied within a few hours without a thorough investigation. I reported my wallet lost, which included my Chase card with the PIN written on the back. Subsequently, XXXX fraudulent transactions totaling {$6000.00} occurred. However, only a few of these transactions were negligently and improperly investigated. 

Additionally, I requested documentation related to this case, which I have yet to receive. It appears the decision was made based on limited information rather than obtaining comprehensive evidence from the merchants involved. Upon contacting the department, I was informed that the dispute can not be reopened and decision is final, which contradicts consumer rights for victims of fraud. I demand a proper investigation into this matter and an escalation of my case.
Consumer complaint received 2022-07-25
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)

How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act has 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 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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX XXXX. Located in XXXX XXXX, CA dba XXXX charged my debit card for illegal fees regarding air travel to the sum of $ XXXX.I submitted this info to Chase Bank . They investigated & decided to side with the fraudsters. I informed Chase bank that this company notorious for its illegalities regarding consumer fraud. This started on XX/XX/XXXX continuing until XX/XX/XXXX when Chase bank made their decision against me. Chase Bank removed {$710.00} from my account to give to XXXX. As I see it Chase committed fraud against me as well.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act has 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 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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.