davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-11
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$3400.00} XXXX XXXX {$32000.00} XXXX  XXXX {$350.00} XXXX   XXXX {$360.00} XXXX  XXXX {$830.00} XXXX XXXX {$1000.00}
Consumer complaint received 2024-10-08
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. (TX)

I am unaware of inquiries showing on my credit report and collections I have asked to show proof such as signature, social, Id I am unaware of 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 XXXXXX/XX/XXXX also collection from XXXX XXXX XXXX I have called them directly and no results I feel like I am being unheard and very annoyed that I have to go extra mile for something on my profile that I did not authorize I have asked credit bureaus and creditors to obtain proof of my identity with these accounts and they have did nothing but denied me of my rights
Consumer complaint received 2023-09-27
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. (FL)

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

XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OR)

I tried to get my free annual report online tonight from Equifax. It asked me various " ID verification '' questions and said my answers did not match what was on file so they would not give me my report. Based on the mismatch, I placed a 90-day fraud alert assuming someone gave them erroneous information pretending to me. Then I tried to get my free report for placing a fraud alert. Again they would not provide it since my answers did not match their records. This is foolish of them since that is what one might suspect if someone fraudulently gave them erroneous information pretending to be me!
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (PA)

I entered into a service contract with XXXX wherein, XXXX agreed to provide me internet, telephone, and cable services. In return, I agreed to pay XXXX the agreed upon fee for aforesaid services rendered. XXXX has asserted that I owe arrears of {$590.00} for services rendered and has retained the services of McCarthy, Burgess and Wolff to collect the aforesaid arrears. I have disputed these arrears and in support thereof aver the following : 1. After my service contract with XXXX expired ; I formally and voluntarily terminated my XXXX internet, telephone, and cable service on XX/XX/XXXX ; telephonically, as well as, in person when I hand delivered XXXX 's XXXX Router, XXXX ( XXXX ) XXXX cable boxes, cords, and remote controls to my local XXXX at : XXXX XXXX, PA XXXX ; 2. The returned equipment is itemized as follows : 1 ) XXXX Router : XXXX : XXXX ; 2 ) XXXX Cable BOX : XXXX XXXX : XXXX XXXX : XXXX ; 3 ) XXXX Cable Box : XXXX XXXX ; 4 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 5 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; 6 ) XXXX Cable Box : XXXX XXXX : XXXX XXXX : XXXX ; and, 7 ) XXXX Cable Box : XXXX : XXXX ; 3. XXXX services are prorated and billed one month in advance. I paid my final bill of {$250.00} on XX/XX/XXXX.During the year preceding my XXXX service termination ; I made XXXX payments between XX/XX/XXXX and XX/XX/XXXX totaling {$3400.00} ; 4. After my contract expiration, service termination, and recovering the aforesaid XXXX issued equipment ; I subsequently received email notices dated XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX seeking payments of {$450.00}, {$660.00} and {$450.00} respectively and threatening service suspension. I timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 5. I received a bill dated XX/XX/XXXX ; from XXXX advising that my account had been disconnected effective XXXX XXXX, XXXX ; and seeking payment of {$590.00} for services rendered between XX/XX/XXXX and XX/XX/XXXX. I once again, timely brought this error to XXXX 's attention by certified letter # XXXX dated XX/XX/XXXX ; 6. XXXX continued to charge me for services that I did not receive and after I returned all the issued XXXX equipment and after I entered into a new internet, telephone, and cable service contract with XXXX on XXXX ; and, 7. Finally, I have credibly clarified the status of my former XXXX account and that I have attempted to notify XXXX as well as McCarthy, Burgess and Wolff of these erroneous records in good faith with no material or substantial response or resolution by XXXX or McCarthy, Burgess and Wolff in this regard.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (FL)

Have a Chase Freedom credit card, been a longstanding good customer, make payments on time. 45 days ago my Limit was approx $ XXXX w/ $ XXXX outstanding, Chase cut the Limit to the outstanding balance of $ XXXX without any prior notice. I pay the outstanding balance in Full on XX/XX/23 ( {$7800.00} ) and have a XXXX balance with Available limit of $ XXXX. Then Chase cut the Limit in the past few days to $ XXXX without any prior Notice, only discovered when I tried to use card and was declined. I called Chase and they stated it's based on outstanding balance and their periodic review; however, this is false because my balance is XXXX, make all payments on time and have Low Credit Card Utilization Rate but is negatively impacted by Chase cutting by Credit Limit from $ XXXX to $ XXXX. This is abuse of power to customers to who pay there bills on time and then pay off the outstanding balance in full. 

Also called Chase XX/XX/23 to request my balance be reinstated ; they stated it would have to be a Hard pull ; this is hypocritical, Chase can reduce your credit limit based on a soft pull but can't reinstate it based on the same soft pull which was satisfactory to reduce the line. I spoke with XXXX - Business Lending Escalation, he stated there is tracking or ID number for the complaint I filed w/ Chase and no way to track it or receive and follow up or resolution. Chase is stating we cut your Limit and there's nothing you can do about it directly after I paid by balance in full to XXXX with account in good standing. It's abuse of power and completely taking advantage of the consumer who has done everything correctly!
Consumer complaint received 2023-09-27
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-27
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-27
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. (AZ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-27
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: Experian Information Solutions Inc. (TX)

Experian did not resolve dispute number XXXX which closed on XX/XX/XXXX. Please provide information on how you verified the account as accurate when the account history clearly shows discrepancies. For example how is it possible that Experian verified the account as accurate and updated a payment date for XX/XX/XXXX but listed in the account payment history the account was Charged off in XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Hey XXXX, XXXX, EQUIFAX, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - ( XXXX, XXXX, Equifax ) -This account is not showing maximum possible accuracy Reporting as a One Month Term but was opened XX/XX/XXXX then 8 month later reported the first month payment on XX/XX/XXXX then Starting XXXX to XXXX showed late payments then closed on XXXX XXXX  its to many false information reporting according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately as seeing the account is paid and closed and for violation of 15 USC 1681e ( b ), 15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXXXXXX - ( XXXX, Equifax, XXXX ) This account is not showing maximum possible accuracy its reporting a 30 day late payment in XXXX and XXXX is still the current month also said lender says they " We have completed the investigation into your dispute and confirmed that the accounts ) in question was closed and has not been reported to the credit bureaus. At this time, we consider the matter resolved and no further action is required by you. '' according to 15 USC 1681e ( b ), its not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ,15 U.S. Code 1692c - Communication in connection with debt collection XXXX XXXX XXXX XXXXXXXX - ( XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) ( XXXX ) ALSO THESE INQUIRIES ARE NOT ACCURATE AND WAS NOT AUTHORIZED AND NEED TO BE REMOVED FROM ALL APPLICABLE BUREAUS : NAME : Inquiry Date : BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/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 Thank you for your time and attention! 

Sincerely, XXXX XXXX
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CO)

My lender, J P Morgan Chase, has coerced and intimidated me, through the threat of impending foreclosure, to agree to a modified replacement of my existing mortgage with them; which is highly predatory and inherently illegal, since the monthly payment exceeds the amount we discussed during the "trial" process, and since the payment exceeds my total gross income, a situation of which they were, and are, completely aware. They have refused to do anything which would make my mortgage affordable, or to concede that this modification was handled improperly. It is called "Streamlined HAMP", wherein the "A" in HAMP stands for "Affordable", which it undeniably is not. In addition, they are defrauding the XXXX and taxpayers by collecting compensation, as both servicer and investor, for setting up and administering a mortgage, which clearly violates the intent of the XXXX program, if not the actual letter of regulations. Since the mortgage amount exceeds my total income, it is absolutely impossible for me to satisfy it, and I will unavoidably be in foreclosure in a matter of just a few months, and will then be both homeless and destitute, at age XXXX and in failing health.
Consumer complaint received 2019-02-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arnold Scott Harris, P.C. (IN)

Received letter from Atty., Arnold Scott Harris, alleging that I held negative ticket balances, pertaining to the XXXX XXXX XXXX-Department of Finance for parking tickets in amounts of {$34.00}. Mr. XXXX letter states administrative judgment. I am unknowing of any debts, I paid the XXXX XXXX  XXXX balance of {$1300.00} in XX/XX/XXXX for tickets issued through his office of XX/XX/XXXX. License reinstated in XX/XX/XXXX after final payment to his office through his representative. Fraudulent attempt from Mr. XXXX to collect for invalidity.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (NY)

on XXXX/XXXX/2016 I pulled up mu XXXX Credit report and found a collection debt under XXXX ; Original Creditor ; XXXX XXXX XXXX {$520.00} ; I ask them to verify the debt and they just deleted from the Credit without notify me. Them in XX/XX/2016 I found that the same debt is now been placed on my XXXX Credit Report under a diferrent Colection agency, Credence ; I also asked to verify the debt and the just mail to me settlement offer letter. I 'm attaching all the documentation to proof my request.