davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be corrected immediately. 

The Infractions are as follows : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX ACCOUNT : XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : I am demanding that these accounts be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these a mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else UPDATE these items to PAID AS AGREED AND NEVER LATE immediately.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX, XXXX Chase Payment Card closed 4 of my accounts with unjustifiable reasons. I have been working in a XXXX XXXX industry over 10 years. On XX/XX/2019, I have processed few test transactions to assist a merchant that was experiencing a technical issue with Chase payment. The merchant has contacted our customer service regarding only Chase Credit Cards being declining on his terminal. The problem didnt go away although we tried all the trouble shooting methods. Thats when we decided to test sale with our own Chase Cards.  Coincidentally, 6 of my coworkers who attempted the test sales were terminated the next day. This negatively affected my personal credit score. I have been contacting the Chase but no further reviews were granted. Here is the time line : XXXX, XXXX Chase Representative XXXX, XXXX Chase Card Processing XXXX XXXX, XXXX XXXX walked in to Chase XXXX XXXX, XXXX Authorized XXXX and opened the case the Reference number is # XXXX XXXX, XXXX Chase Branch Esclation Center XXXX # XXXX XXXX, XXXX Received a call from XXXX , there is nothing he can do advised to call XXXX XXXX XXXX, XXXX explained again, still declined. Will review again but most likey decline XXXX, XXXX received a call from number XXXX the final review has finished and decision is not to reinstate. Advised below adress for legal proceedings XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX, XXXX Chase Checking account was breached. Not sure if this is related. 
XXXX, XXXX Spoke to XXXX, Account Supervisor. Explained on going Chase card issue. 
According to XXXX, the account closure is due to not enough history on file. 
Provided Senior VP XXXX 's phone number. XXXX received legal address which mentioned above ( XXXX ) I am hoping to reinstate my Chase accounts and I can assure you that there is no risk involved with my credit cards. 

Thank you.
Consumer complaint received 2022-06-23
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: EQUIFAX, INC. (NY)

My credit report has so much false information on it and when I checked all three bureaus all the information across the board is inaccurate. I need this to be resolved immediately. I called multiple times to resolve the issue and I sent in a ton of dispute letters. I also asked them to send me proof of some of these accounts and they have yet to do do. Please get these negative items removed immediately. Not to mention when they do remove some of these items and correct the problem, they add them back on under a different account number and I am tired of this. I know somewhere this is against the law.
Consumer complaint received 2019-10-22
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. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

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. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2019-10-22
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. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 
. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

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. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.
Consumer complaint received 2022-06-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery continues to report inaccurate information on my credit bureau report with XXXX and XXXX regarding a debt I do not owe. I requested " validation '' of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, with competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them ( Portfolio Recovery ). Portfolio Recovery never provided any information bearing my signature of any debt I owe to them. Portfolio Recovery continues to report false and inaccurate information on my credit bureau reports for a debt I don't owe.
Consumer complaint received 2021-06-02
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. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

Collection company LNVN funding is reporting a debt from XXXX XXXX XXXX  that hey purchased and reporting it as new debt and reporting late payments on my credit report.s to them. it is not my account and they have never solicited payment from me but are reporting monthly late payments on my credit reports. reported that on XX/XX/2015 i opened n account with them which is false.
Consumer complaint received 2022-06-22
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)

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (TN)

I have received dozens of calls to both my non-published land line and cell phone numbers from a telemarketer purporting to be variously from Experian and other credit reporting bureaus. My research indicates that many consumers are receiving calls from the same source. 

The incoming call is obviously " spoofed ''. As an XXXX XXXX professional with some 40+ years experience, I can state this with some authority. The caller invariably has a thick accent that indicates English is not his/her first language. The caller infers that they are in possession of my credit report and compliments me on my payment history. The caller then offers to lower my interest rate to 0 % and asks for my card 's expiration date ( " Just so we can verify that it's your card. '' ) When pressed for further information about the individual, company or offer the caller gives vague, incomplete and suspicious answers. When the caller is asked for contact information for his/her company such as the corporate headquarters address the only method of contacting their company seems to be via their customer service number : ( XXXX ) XXXX. 

Although I have not called this number, my research indicates that it is commonly given in connection with this suspicious activity. Many consumers have complained about this number through various fraud reporting and complaint sites on the Internet. They also describe further suspicious activity when calling this number.
Consumer complaint received 2024-10-14
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. (NC)

I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information. This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft. Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.
Consumer complaint received 2019-10-22
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. (SC)

Im unable to upload this information via EXPERIAN.comXXXX im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (AZ)

In XX/XX/2017 I visited an emergency center for a XXXX XXXX. When walking in I was told my charge would be {$250.00} for them to look at my XXXX. As I was getting ready to see the Dr. ( the  place was new and completely empty ) the receptionist asked If I had insurance which I said I did but would pay on my own knowing the price. She ( the reception lady ) said give me your card and we'll run it through your insurance. After giving her my card they took me to a room where the nurse took my blood pressure and temperature. She walked out, then the Dr walked in, asked me what was wrong so I told him. He wrote me a prescription for pain and walked out without another word. I left! Then several weeks later I get a bill saying that the insurance company would only pay around {$250.00} and that I was responsible for $ 1000+. Infuriated because I was told originally the fee was {$250.00} I called the company that owned the medical facility and was told that I was now responsible for the remainder. This is a scam and I've heard the Attorney General in Texas, where I was living, has been alerted to behaviour such as this and were investigating. 
I said two words to the Dr. who was in my room for not more than 2 minutes, he did nothing, my insurance paid the medical company around {$300.00} and I'm getting stuck with the scam! This can be referred to as nothing other than a scam because I was at the beginning told the fee was {$250.00} and now the collector is attempting to rip me off instead of the insurance company. This needs to stop! Please stand up for me and others who are being taken advantage of, please stop this scam!
Consumer complaint received 2023-06-01
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: BARCLAYS BANK DELAWARE (SC)

Someone used my credit card without my authorization, They changed all my information on my account without my authorization. This credit card company states that the only person who can change information on my account is me- therefore Barclays of Delaware allowed someone to change all my personal information on my account- causing me to be locked out my own account. This is a breach in their privacy policy act and now this company wants me to pay for their mistake. My card was used without my knowledge or conssent and this company talks so rude when I called to report it. This company made me feel like I DID SOMETHING WRONG FOR STOPPING IT. Now this company has tottally messed up my credit report and put this account as a chargeoff now its on my credit report. I have sent in numerous letters asking for validation, and alot more things but this company just states the debt is mine along with the 3 major credit reporting agencies. I HAVE REACHED OUT TO IDENTITY FRAUD.GOV, AND NOW YOU AGAIN. Just because I am a foreigner to this country- I GET TREATED SECOND HAND AND LIKE A LIAR. This credit card company has every phone conversation and I asked them to play back all phone conversations relating to this Identity fraud phone call and tey tell me that can not do that. Only because they are in the wrong with this and this company breached my rights and my Privacy and it can be determined in that phone conversation. I HAVE ALWAYS PAID MY BILLS ON TIME AND THEY KNOW THIS -- MY PAYMENT HISTORY WITH THIS COMPANY SPEAKS VOLUME AND I CAN NOT BELIEVE I AM GOING THROUGH THIS WHEN IT IS CLEARLY NOT MY FAULT AND ALL CHARGES WAS UNAUTHORIZED -ESPECIALLY ME GETTING LOCKED OUT MY OWN ACCOUNT. COMPANIES SHOULD NOT BE ALLOW TO DO THIS ANF GET AWAY WITH THIS. Also, I have XXXX and they told me that my account and my personal information had been changed not Barclays Bank of Delaware.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2021-06-02
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. (VA)

On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.
Consumer complaint received 2019-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (CO)

Ive requested 21st Mortgage provide me with all documents pertaining to the estate of XXXX XXXX XXXX several times Ive even had the probate judge issue a motion to the to provide all these documents. They refuse to provide me with the necessary documentation to reconcile this account for probate. They are beyond difficult and should be fined for disobeying the court system regarding this probate. I am the sole beneficiary, personal representative, executor, I am XXXX XXXX XXXX now. 

The previous complaint that you closed without resolving anything they sent you copies of things they have NOT SENT TO ME. Even if they did it doesnt resolve the issues I need resolved. The documents they attached is what XXXX sent DORA 21st mortgage did not. 

I have no idea who insures the home if I call home first for a policy Im told to call 21st mortgage who is listed on declarations pages as agent but XXXX answered DORA with a different policy than was sent to me by 21st mortgage. Their pyramid scheme of tipping people off is similar to this. 
XXXX XXXX - who wont talk to me XXXX - who sent a different policy to DORA than what 21st mortgage  sent to me. 
XXXX XXXX XXXX - who cuts the checks 21st Mortgage - who controls them all but remains evasive and passes the buck back to XXXX XXXX who cant send an inspector that knows his foot from his hand. And theyve all refused to do this correctly. 

21st mortgage is defying a court order to provide me with all the mortgage documentation and it needs to be done. 

Do not close this complaint because they attach something Ive never received they are thieves and will lie as quick as they will look at you.
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom may be concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, XXXX XXXX