davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (TX)

Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

I had a Debt with XXXX  XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, National Credit Adjusters ( NCA ). I was told by National Credit Adjusters that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 

I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 

I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 

I called XXXX  XXXX XXXX and they told me that only NCA could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 

I have submitted a complaint with XXXX  and tried calling NCA back several times but they keep telling me that they do not remove collections. 

I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through NCA, removed. I do not understand why XXXX  XXXX XXXX and/or NCA will not remove this last account but I would like it either done, or explained. 

Thank you for your time.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2021 I requested a new XXXX payment account for my Bank of America Visa card. On XX/XX/2021 Bank of America Visa made 2 deposits and 1 withdrawal to the requested XXXX payment account for verification SEE ATTACHMENT. I provided the deposit information to Bank of America Visa, they verified the account, adding it to my payment sources. On XX/XX/2021 I processed a payment to Bank of America Visa from the " Verified '' XXXX payment account for the due date of XX/XX/2021. On XX/XX/2021 Bank of America Visa credited my account for the payment but several days passed and my XXXX account had not been debited. On XX/XX/2021 I contacted Bank of America Visa telephone customer service to inquire why my payment account had not been debited. They claimed that I had labeled my payment account as " checking '' rather than " savings '' which some how rejected the payment. Bank of America Visa locked my online payment portal because of the problem. The Bank of America Visa telephone customer service representative told me it may take a day or 2 to unlock my payment portal. On XX/XX/2021 the payment portal was still locked so I contacted XXXX at Bank of America Visa telephone customer service at XXXX CST to make a payment. I gave XXXX the XXXX payment information ; including the " savings '' designation that I had been told was the initial problem making the original payment. This XXXX payment did not process as well. On XX/XX/2021 I added XXXX payment account to my Bank of America Visa account. Verified XXXX on XX/XX/2021, made the payment that Bank of America Visa credited on XX/XX/2021 and the debit to my XXXX payment account occurred on XX/XX/2021. On XX/XX/2021 I contacted XXXX at Bank of America Visa telephone customer service at XXXX CST requesting a refund for the {$25.00} returned check penalty they debited from my Bank of America Visa XXXX XX/XX/2021. XXXX attempted to process a credit but the system rejected my request without explanation. XXXX informed me that Bank of America Visa has no escalation available to dispute this charge.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting negative items from XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Consumer complaint received 2021-09-03
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: JPMORGAN CHASE & CO. (FL)

To whom it may concern : I have been disputing an overcharge of {$520.00} posted to my credit card account by XXXX XXXX XXXX in XXXX, XXXX. This transaction took place on XX/XX/2021, when I was forced to check out ; after only six days of my expected hotel stay due to personal safety issues, I had booked a 13-day reservation from XX/XX/2021, until XX/XX/2021, at the rate of {$230.00}. 

XXXX and XXXX XXXX sent me confirmation emails for this reservation at this rate which I also presented to Chase. Which occurred on XX/XX/2021, when I checked out after only six days of my expected hotel stay due to personal safety issues taking place at the hotel. 

I expected that I would be charged of the rate of the {$230.00} proposed for the full 13 days stay. XXXX XXXX XXXX charged my card {$520.00} ; therefore, my rationalization for disputing this charge with Chase. Moreover, I have been doing so since XXXX of 2021 ; however, Chase decided that XXXX XXXX was justified and paid them this amount despite the confirmed booking confirmation, which I sent them from XXXX and XXXX XXXX evidence {$230.00}, 13 days I expected to stay. Moreover, I have also provided these emails for your review. 

As such, I disputed the charges again, providing the same evidence of the confirmed booking I mentioned earlier that I had made, but to no avail. Finally, Chase credited my credit card account with {$120.00} in XX/XX/2021, which I presumed was for the six days I did not stay or 1/2 of the {$230.00}. However, Chase still owes me {$390.00} of the {$520.00} they paid out to XXXX XXXX. 

I have called innumerable times refuting these charges. On XX/XX/2021, I called Chase 's credit card dispute center and asked if I could speak to a supervisor about the charges and getting nowhere with my dispute. The supervisor told me that she understood my dilemma, but she could do nothing about the charges and that I would have to pay despite being overcharged. 

I told the supervisor that it was wrong for me to pay for the overcharge considering the confirmation emails of the booking I provided them as I mentioned above, proving to them that I had reserved my 13-days at XXXX XXXX for {$230.00} and not {$520.00}, which I was overcharged. Help, Chase, is unfairly withholding credit to my Credit card account of {$390.00} and forcing me to pay these charges I do not owe them ; they owe me! 

I am reaching out to Consumer Financial Protection Bureau ( CFPB ) with my complaint, given if I do not pay, they will file against me negatively on my credit report.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX, IL XXXX OR XXXX XXXX XXXX XXXX, PA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I am getting a lot of calls from Medical Revenue Service XXXX for a friend of mine. I've explained she had a XXXX and moved to another state with family members. They still keep calling my cell phone. I am not getting mail for her so I have no address to write them for a request to stop. I did speak with a employee over the phone, twice and requested they stop calling. But it hasn't stopped yet.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im writing this in regards to a 60day- late payment report made by XXXX XXXX . I have an XXXX XXXX Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called XXXX XXXX hoping and submitted a dispute a few days later in XXXX of 2018. 

XXXX XXXX kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as XXXX XXXX is treating me unfairly? Thank you for your time!
Consumer complaint received 2021-08-05
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. (OR)

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Did you validate my signature to confirm my contractual agreement? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXX XXXX XXXX XXXX XXXX This account shows XXXX late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX I ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX } REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX 4. My current employment info XXXX XXXX, XXXX, XXXX, Oregon XXXX 5. Social Security XXXX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2021-08-05
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. (OR)

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Did you validate my signature to confirm my contractual agreement? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXX XXXX { XXXX } This account shows three late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX 4. My current employment info XXXX XXXX, XXXX, XXXX, Oregon XXXX 5. Social Security XXXX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2021-08-05
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. (OR)

To whom it may concern, I filed a complaint to you on XX/XX/XXXX. 

In my complaint I stated, In accordance with the Fair Credit Reporting Act Section section 609 ( a ) ( 5 ) ( 1681 ) I am practicing my right to challenge questionable information that I have found on my personal credit report as well as demanding you validate suspicious accounts. I do not recognize the information listed below and since first my request, you have not investigated the source of these accounts and ascertain that the creditor had a permissible purpose, and you did not validate my complete file information including full name, address, date of birth and SSN #, as well as my signature to prove that I signed up for the accounts. 

I am now invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Why didnt you provide me with a validation of my signature? 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please validate these : 1. XXXXXXXX XXXX  { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
2. XXXX XXXXXXXX XXXX { XXXX } You failed to properly validate this debt and must remove it from my credit report. 
3. XXXX XXXXXXXX XXXX { XXXX } This account shows three late payments but this account has never been late. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX I ( XX/XX/XXXX ) 2. XXXX { XX/XX/XXXX } REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address XXXX XXXX XXXX XXXX TN XXXX 2. Incorrect Name Variations XXXX XXXX, XXXX XXXX XXXX 3. Incorrect Employer XXXX 4. Incorrect Date of Birth XX/XX/XXXX 5. Incorrect social security number UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : 1. Personal current address XXXX XXXX XXXX XXXX XXXX, OR XXXX 2. My proper full name XXXX XXXX XXXX 3. My date of birth XX/XX/XXXX 4. My current employment info XXXX XXXX, XXXX, XXXX, Oregon XXXX 5. Social Security Number XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation and validated results. Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2021-07-04
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have an opened case ID # XXXX at HSBC US NA as they have not properly reported my payment history to XXXX  since XX/XX/XXXX. The case is stil not resolved. Now we also see that they do not report properly to XXXX as they should. HSBC says it reports to XXXX, XXXX and XXXX. My latest credit report sent by XXXX on XX/XX/XXXX shows a fully blank payment matrix between XXXX and XXXX.