davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, 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. (MD)

Ive noticed unauthorized inquiries on my TransUnion report and provided this information by letter in USPS mail to the TransUnion dispute department. The letter stated I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries without an FTC Fraud Report. 

I then submitted that to them and they still refuse to remove the inquiries.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Chase Freedom, This is in regard to my account : XXXX which I have had 2 separate calls in XXXX with your agents to close the call. In both cases the agent confirmed that the account was closed. The agent said I would receive a letter that the account was closed on each call. Only the 2nd letter was received confirming closure. Additionally, the credit reporting agencies have subsequently received updates from you in XXXX reporting my account as still open, which is in conflict with the information confirmed by both of your agent. 

I have filed a complaint at Chase Freedom already based on the failure to close the account as reported with the credit bureaus, and have not received an update from that process with Chase Freedom. 

Please see attached police report with item in question listed by the XXXX police as fraudulent. 
" XXXX XX/XX/XXXX, " XXXXXXXX XXXX XXXXXXXX '' in the amount of {$130.00} '' The balance and related interest charge to this charge should be removed from my account immediately. 

Agents confirmed verbally in XX/XX/XXXX and XXXX on phone calls that the account was closed ( and should reflect as closed with the credit reporting agencies ). 

As a longstanding ( now previous ) customer of Chase Freedom, I am still shocked at the poor experience overall dealing with the fraudulent use of our account. Please review the entire set of calls dating back to early XXXX in regards to this case. A couple times, agents would ask the same question multiple times until they received the response they wanted vs. first response from the card holder. 

All attempts to remediate this fraudulent charge have been met with either automated or boilerplate responses.
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.
Consumer complaint received 2020-09-08
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: WELLS FARGO & COMPANY (NV)

I have a loan with WELLS FARGO, XXXX, and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and ( Account Name ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-12-19
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/2022 XXXX XXXX  XXXX Balance : {$16000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXXXXXX  XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-07
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. (WA)

I would love to know how Experian is verifying this information. 2 collection companies XXXX XXXX  and XXXX XXXX, somehow they can verify debt with experian, but now with me or XXXX  or XXXX. Both of these collections were removed from the other reportimng agencies but miraculously experian are the only ones that can verify it. I've called Experian to dispute they fight you on it, and just say its already been verified, you ask how ... crickets they just say it's already been verified. I want to know the method. Seems like Experian just take the word of the commissioned junk debt buyer, while the other bureaus actually make them provide proof. I even actually sent Experian the proof of it been removed from the other bureaus.
Consumer complaint received 2022-07-17
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. (NC)

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit. 

XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Company not authorized to run hard inquiry credit.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA Mortgage Mistake Mortgage Account # XXXX - I have asked BofA for this due to their mistakes. They are non responsive and their departments are not communicating with XXXX another, they are ruining my credit and they are incorrect. I'd like them to do all of the following and correct their mistakes. 

( 1 ) Please send me a letter reversing the credit bureau delinquency as it is incorrect and all of the notes in the BofA system will show this ( 2 ) I had a deferral which ended in XX/XX/2021, 5 payments have been made since then which indicates the account is in good standing ( XXXX, XXXX, XXXX, XXXX, XXXX have been paid ) -- this too is in the notes and when and if " someone '' looked into this they'd realize the account discrepancy. The deferral was due to end XXXX, I was told to pay XX/XX/2021 payment then I was told it was extended into XXXX and XXXX payment would push to XXXX by CRM 's at BofA. 
( 3 ) PLEASE immediately correct these mistakes as all of my credit card companies are reducing my limits due to BofA 's mistakes...
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously sent you a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. You took the 30 days required by law and still you failed to provide the necessary proof of these inaccuracies. You are required by law to have the original creditors documentation on file to verify this information. 
You have failed to comply with Section 611 of the FCRA and I demand these accounts be removed from my credit report immediately! 
I have also requested that all unauthorized inquiries be deleted from my credit file. You have failed to do so and I demand that any inquiry that does not have my signature attached to it be removed immediately
Consumer complaint received 2022-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, XXXX disputed a fraudulent charge from XXXX which posted on XX/XX/2022. The charge was also not recognized by XXXX, whose agents had no records of this charge on our accounts. While awaiting for this charge to be resolved, I received another charge from XXXX which was not authorized. XXXX XXXX I called Bank of America ( XXXX ) to file another dispute and inquire as to the status of my previous dispute to find out the previous dispute is, pending review, reported by a supervisor named XXXX. I have been calling and calling and hung up on during previous attempts to resolve the claim and am convinced the protection efforts undertaken are insufficient and the burden to file complaints very high. Neither of these charges are reflected in my payment history
Consumer complaint received 2022-07-17
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. (LA)

in accordance with the fair credit reporting act XXXX  account account # XXXX account name : XXXX XXXX XXXX XXXX account /collection account blance {$760.00} dated XX/XX/XXXX account name : XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} account name : XXXX XXXX XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$760.00} account name : XXXX XXXX XXXX account XXXX dated XX/XX/XXXX blance - last updated - status paid in settlement. {$440.00} written off account name XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} status closed. {$610.00} written off. 

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 2020-09-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MO)

In the months of XXXX, XXXX and XX/XX/2020, My family and I was affected by XXXX XXXX. I was XXXX and had to stop working due to XXXX that had impacted me doing those vary difficult months. I called Chase Auto to inform them I was impacted by the XXXX, and weren't able to pay my car payments at that time. I had been hospitalized for five weeks due to the XXXX. After I came home, I wasn't able to return back to work right away because my body needed time to fully heal. Chase Auto informed me that they would put those three late payments in the rear of the loan and I could start paying car payments as though nothing ever happened. I returned back to work and resume paying my car payments again. Chase Auto reported that I was XXXX days late to the credit reporting agencies and gave me a bad credit rating because I had fallen XXXX with XXXX   XXXX, and could not pay my car payments on time these three months. I was informed that when payments are deferred, you do not get any negative marks on the credit file because the payments are deferred and put in the fear of the loan. Chase Auto deferred the three late  payments and still gave me the negative marks as if the payments were not deferred. I would like for them to make the corrections so that my credit file will reflect on late payments for these three months.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Card Acquisitions Group (DE)

On XXXX I received a call from someone claiming to be attorneys office asking if I seen most recent credit report where XXXX XXXX XXXX was added to my report. I stated no and was told I still had a balance that a lien was put on my house for the amount owed. I stated I wasnt aware of such and I would have to look into as the loan was paid. I was given no options other to pay right then. I checked my credit once I got home from work to find this on my credit. I went to dispute it through the credit bureau and it came up it was disputed in XXXX which is odd if I wasnt aware of this and it was showing it was added to my report in XXXX. I believe this person who claimed to be an attorney could be a scam looking for money may have had this so called disputed through their company knowingly i would dispute it through the credit bureau so i couldnt do anything with it and have to pay. However they offered me no other information on this account. So Im looking to dispute this on my account.
Consumer complaint received 2020-09-06
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: EQUIFAX, INC. (NY)

In XX/XX/2020 I discovered a collections reporting on my Equifax report that wasnt mine. I sent a validation letter to the collections agency and they sent back a document with a forged signature and a date of birth that didnt match mine. I disputed with Equifax and asked that they send proof of the account being mine. They removed the account then it returned in XXXX. I filed an FTC report and mailed Equifax a copy via certified mail. They removed the account but then it came back again. I called and was told it came back because the company is still reporting as mine but since Equifax had the FTC report on file I was told it would be blocked from returning. Now Im trying to buy my first home after experiencing identity theft and homelessness and the collections has returned to my Equifax.
Consumer complaint received 2020-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Today is XXXX XXXX, XXXX - XXXX - XXXX as informed notice of action with three credit reporting agencies XXXX, Experian, and XXXX refuse to report on a minor under the age of ( XXXX ) with required documents provided currently. On XXXX XXXX, XXXX - XXXX - XXXX the consumer made a request for minor under ( XXXX ) credit inquiry and/or statement letter response of no such account exits pursuant to the ( FACT ACT ) presently. All three credit reporting agencies XXXX, Experian, and XXXX all denied ( FACT ACT ) rights with no response to the issue. Gracious! [ XX/XX/2020 ] XX.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (DE)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

I am requesting that the following fraudulent accounts be deleted and blocked from my credit file immediately : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX
Consumer complaint received 2020-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (AZ)

I am in need of assistance ensuring that the the debt collector Progressive Management/XXXX  XXXX XXXX and credit bureau XXXX  abides by the law, in regard to an issue with collection activity on my credit report. After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX  who failed to properly validate and verify collection activity on my account. Dispute letters were sent directly to the debt collector Progressive Management/XXXX XXXX XXXX on XX/XX/2020 requesting validation of the debt trade line appearing on my credit report. In reference to the dispute letters sent on the date above, Progressive Management provided a response on XX/XX/2020 that attained PHI and HIPAA content pertaining to me without addressing proper validation/verification of the debt. 

Initially I sent the dispute letter to Progressive Management/XXXX XXXX XXXX requesting this validation/verification to further prove the debt was legitimate, which ultimately resulted into a security breach of unsecured PHI. I have no record proving that I have given Progressive Management/XXXX XXXX XXXX authorization to have sensitive information about my personal health concerns, nor has Progressive Management/XXXX  XXXX XXXX provided any such documentation bearing my signature. I then proceeded to send letters to XXXX on XX/XX/2020 disputing the trade lines on my collection report for Progressive Management/XXXX XXXX XXXX in reference to the unverifiable debt and HIPAA violation. A reinvestigation request was made to XXXX, with supporting evidence, to further investigate the HIPAA Violation in which they simply updated as accurate without disclosing any method of verification as requested. On XX/XX/2020 I received an email from XXXX  that the debt was simply updated without any further information.
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XXXX of 2022 the major credit reporting agencies including transunion agreed to remove all medical debts under {$500.00}. The account currently in dispute is a medical bill under {$500.00} and should be removed.
Consumer complaint received 2020-09-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they were not able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

Synerprise is attempting to collection on a debt now owed. The XXXX XXXX were not provided to the patient. Synerprise has failed to properly validate amounts owed. In any any event, there is no charge-off. 

Synerprise responded to a prior complaint by pretending that it had no knowledge of the complaint. This practice is INTENTIONALLY DECEPTIVE AND MISLEADING. 

Reference information for the collection is contained in the attachment. 

If the collection account is not immediately removed, complaints will be filed with the Texas Attorney General in a class action manner. 

You may contact counsel at XXXX or XXXX.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On my XXXX  report it shows that I have two mortgages. I have one Mortgage with XXXX XXXX ( XXXX ) who services the loan. XXXX was the originator of the loan. I've called XXXX and they said it should only show one mortgage. But it shows two mortgages with a total of {$560000.00} balance. I have one mortgage with a balance of {$230000.00}. I can't get my home refinance because of this mistake. Need it updated ASAP!! 

Also on my XXXX, I had a personal loan with XXXX XXXX that I paid off in XX/XX/2020. XXXX  and Equifax are reporting the correct information as being closed XXXX balance. XXXX  hasn't updated there report since XXXX and it's now XXXX. They are showing a {$3500.00} balance. Please update ASAP!! 

Equifax is not reporting my mortgage and my FICO score is hurting because of non reporting of mortgage. XXXX XXXX said that they send there updates to all 3 bureaus. Equifax needs to update my report ASAP!!