davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
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. (GA)

I was writing to inform you that there are still items are my credit report that are not mine XXXX, XXXX XXXX XXXX and XXXX XXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

I was contacted by Jefferson capital for a debt in the amount of {$230.00} from XXXX. The date given to me was in XX/XX/2012. I have let them know that this is not my debt and that they need to stop contacting me ; yet they are still sending me letters. When I tried to call them he asked me for my Social Security number which I absolutely refuse to give over the phone to anybody they need to stop bothering me with the stuff thats almost 10 years old its not mine.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

On Friday, XX/XX/2022 I made an online deposit through the Chase mobile app. I am a XXXX XXXXXXXX in the XXXX XXXX XXXX and provide XXXX services. I had a check deposited for XXXX services completed for the amount of {$9500.00} from a company which I have deposited numerous times before. Chase did not acknowledge the deposit until Monday midday and stated a hold would be placed for the full amount of the funds until Wednesday, XX/XX/2022. I did not object and waited until Wednesday the XXXX to check if the hold had been removed. On Wednesday, XX/XX/2022 at XXXX Chase decided to send a letter via email stating the check would now be on hold until XX/XX/2022. I am a very small XXXX and I depended on the funds to pay my employees and run day-to-day operations. I called Chase which referred me to their Fraud Prevention Services, when speaking with the Fraud Department, I was asked numerous questions regarding the check but these questions were regarding the nature of the check, what my company does, and what services it provides. I advised them that I run a XXXX  business, which more specifically provides XXXX services, that yes my checks are most times on the higher end, and that all checks come from 2 major clients I work with regularly. The representative then went through my deposit history and I asked her to verify that this check is from a client who I deposited 2 weeks ago leading back to 3 months ago. She stated why the check was a higher amount and I re-explained the nature of my business. This is a business account so I am unsure why the predatory questions. She went on to say the check would need to be verified through both the issuer and the issuer 's bank, I agreed but stated this is the exact same routing and account number from a company I have deposited from in the past. The representative stated if they can not reach both the issuer and the issuer 's bank that the hold would remain. I was placed on a very long hold and after XXXX minutes the representative came back on the line and stated the issuer 's bank could not be verified. I once again repeated to her that I have deposited check 's from this issuer in the past, 2 weeks to exact, and have not had an issue. I have an image of a deposit made 2 weeks ago bearing the exact same routing and account number. She refused to look into it any further and stated the hold would remain.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I made two payments to Comenity Capital Bank. One payment for {$150.00} on XXXX XX/XX/22 sent from XXXX XXXX XXXX XXXX. Confirmation number XXXX. Second payment {$300.00} XX/XX/22. XXXX XXXX XXXX XXXX. Confirmation XXXX. These payments were not reflected on my statement. I have tried on numerous occassions to contact Comenity Bank but have had no satisfaction. The telephone number they gave me is not answered after two hours of wait time. Telephone number XXXX help in this matter will be appreciated. 
XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to file a formal complaint and dispute regarding errors on my credit report that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found inconsistencies related to the reporting of charge-off dates for two separate accounts. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Charge-Off Date : [ State the incorrect date reported ] These errors are inaccurate and misleading, causing harm to my creditworthiness. Under the FCRA, I have the right to an accurate credit report, and these discrepancies warrant immediate correction. 

I have taken steps to dispute these errors directly with the credit reporting agencies and the creditors involved, but I have not received adequate resolution. Enclosed are copies of my credit report highlighting the errors, along with any correspondence related to my dispute. 

Charge off dates are inaccurate between the two credit companies. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit reporting agencies and creditors comply with federal law. The charge-off dates must be accurately reflected, or the information should be removed from my credit report if it can not be verified as accurate.
Consumer complaint received 2020-12-02
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. (FL)

I have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XX/XX/2020/ and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX IXXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2022-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I had a fraudulent charge of {$5.00} on my credit card. I reported this several times, being referred and transferred endlessly to various departments and nothing has been done by XXXX XXXXXXXX XXXX. As a result, my account is delinquent, they have substantially reduced my credit limit and I have now got a negative report on my credit score. I would have simply sucked it up and paid the fraudulent charge, but I now refuse to on principle. XXXX XXXX XXXX need to fix this and apologize.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Several employees at bank of America for this entire year have been telling me I have a claim and it takes 3 weeks but everytime I get there I am wrongfully denied and referred by the experts looking at the record and making the right decision. 

I am aware of the regulatory agent treeah XXXX XXXX ext. XXXX whom called me around 3-4pm eastern time today and stated that she came to a resolution on my case and she said I could file a claim under identity theft fraud and that she had gotten approval that I could file a claim and she gave me XXXX XXXX to call. But the guy said no and his supervisor said she understood but that I needed protection first and transferred me to the protection program then I spoke to myia whom said yes this is a claim and transferred me back to claim then the lady denied me and everytime I get to claims I get denied. This is unfair.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Account Name : XXXX BANK AND XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX BANK AND XXXX Account # 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.
Consumer complaint received 2020-12-02
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. (FL)

I am writing because I never opened account with company listed in identity Theft, and never had a deals with them. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-12-02
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. (NV)

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from these credit agencies. 
I would like to know the following information : 1. Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information, copies of my photo ID, SSN and bill that was sent certified to the credit bureau?
Consumer complaint received 2020-10-04
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: Experian Information Solutions Inc. (WA)

In XXXX, XX/XX/XXXX, and XX/XX/XXXX I sent requests to Experian to investigate late payments reporting on my report ( XXXX account ). There are two late payments reporting in XXXX and XX/XX/XXXX. This is an up to date account that should not be reporting any late payments. After reaching out to Experian three times they only conducted ONE investigation. The outcome was incorrect. They are not reporting accurate information nor are they responding to disputes in a timely or efficient manner.
Consumer complaint received 2022-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I opened a Venmo account XX/XX/XXXX. There were some issues not sure exactly what since I have not received any explanation on why my account was frozen. It has been frozen for over 10 days. I sent almost 40 years in banking and familiar with regulatory laws concerning hold on new and existing accounts. It was my understanding 10 days was the longest fund could be held by the bank. I am assuming if they are regulated by CFPB then they have similar regulations. They frozen the account XX/XX/XXXX and are holding {$570.00}. My last access I had to my funds was XX/XX/XXXX. They requested I send an ID which I did on XX/XX/XXXX. All I want are my funds so I can close my account.
Consumer complaint received 2020-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (MI)

Current- Its an App/debit card for teens XXXX XXXX All transactions wired to a XXXX for XXXX at XXXX XXXX  XXXX at XXXX XXXX XXXX at XXXX Deposit from my XXXX sat XXXX for XXXX I cancelled that XXXX at XXXX ( all happening as I was chatting with CURRENT ) XXXX at XXXX. They also hacked in and called me from a number listed on the internet as CURRENTS contact number. They changed my account to be there phone number and their email. In fact CURRENT as of today XXXX still had their email on file and not mine even though I have changed it many times.
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Request a new investigation and dispute re-insertion. A simple letter is sufficient : On XX/XX/2020 I discovered XXXX  XXXX XXXX had been re-inserted into my credit file. You are required to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

Neither XXXX  nor the collection agency has provided me with debt validation letter nor a reinsertion letter the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you. Additionally, the creditor who reinserts the negative item must also certify the information is correct.
Consumer complaint received 2022-05-23
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. (RI)

In reference to my Previous complain file XX/XX/2022. Its been More than 30 days since i filed a complaint disputing the following accounts XXXX XXXX XXXX account number : XXXX XXXX  account number : XXXX XXXX XXXXXXXX XXXX account number : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX account number : XXXX XXXXXXXX XXXX account number : XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXXA account XXXX XXXX XXXX account number : XXXX XXXX account number : XXXX According to Fair credit Reporting Act 1

5 U.S. Code 1681i section ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. further more i wasn't notified within 5 business days that my dispute was being investigated. According to Fair credit Reporting Act 15 U.S. Code 1681i section ( 2 ) ( A ) states thatThe consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I now Demand for the above accounts to be removed from my credit report as fast as possible
Consumer complaint received 2020-12-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Porania, LLC (PA)

I had a few things on my report for years and it seems like they wont take it off its been on there to long and its also in a bankruptcy
Consumer complaint received 2022-09-28
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For : XXXX, Transunion, XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX  XXXX, GA XXXX < -- -- ADDRESSES NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Balance {$16000.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$14000.00} Account Status CHARGE-OFF XXXX XXXX XXXX XXXX Balance {$760.00} Actual Payment Amount - Date of Last Payment - Past Due Amount {$760.00} Account Status < -- - ALL ACCOUNTS ARE NOT MINE. FCRA violation. Failure of 45 days to settle.
Consumer complaint received 2022-08-02
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$0.00}, {$2000.00}, {$1400.00}, {$690.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.