davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
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. (OH)

There is inaccurate things on my credit report that I have sent to Experian plenty of times. I have also told them they are violating 's the FCRA guidelines and rules but clearly they don't care. Again they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and reinvestigation, they stated in writing that they verified that these items are being reported correctly but again who verified these accounts? You have NOT provided me a copy of ANY original documentation aka my signature on the contract as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Lastly, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .I 'm sure they know that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be 100 % verified. They say they don't have my ID and SSN to prove its me sending these letters and complaints in but they do! I am resubmitting my ID and SSN and proof of address with this complaint. Again why aren't they following the rules because I didn't make them I am only following them!!!
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been fighting with the bureaus to remove inaccurate information from my credit report which is hurting my credit and stopping me from being a first-time homeowner. I have even highlighted the mistakes and still came back verified. Inaccurate information can not be verified if it is wrong. I am challenging the credit bureaus with factual information. Please help me to resolve injustice treatment from the credit bureaus whose only job is to keep you with bad items on your report so they can make money. I did not give anyone permission to share or sell my information but the bureaus do it anyway. My next step is a discrimination lawsuit again theses bureaus that are holding my credit and the ability to live a better life in their hands. 

Please help me resolve this matter and make sure that this matter is resolved as soon as possible.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On two occasions a person used my Chase Bank credit card number to make online purchases. XXXX XXXX {$1900.00} was charged to my card ending in XXXX at XXXX XXXX store number XXXX, XXXX County Texas. On XXXX XXXX a charge on the same card for the amount of {$1800.00}. I found out about this around The third week in XX/XX/2020 when I logged in to Chase bank to make my Auto loan payment and noticed the charges on my card. I notified the Chase fraud department and the canceled the card and removed the charges. Two weeks later they sent me a new card and put the charges back on the new card. I have spoken to them well over a dozen times and never get an answer as to why. I have spoken to both of the stores and obtained documents from both of them detailing who the person was who picked up the items at both the stores, his name, email address and phone number. I have provided all this to Chase as well as the police report number I filed for Identity theft with XXXX county Texas Sheriff 's department. I have asked Chase several times what they have learned from XXXX XXXX and the answer is nothing. Chase says that I should get a statement from XXXX XXXX saying the charges were fraudulent. Home depot says they will do that but Chase has to request it not me. I am stuck between two huge corporations that wont lift a finger to help me and now my credit will be ruined because of it. Chase simply is not investigating this matter, they have never contacted XXXX XXXX. How can someone charge almost {$4000.00} to a credit card, give a different name than what is on the card and never once get asked for identification? I am attaching two documents I obtained from XXXX XXXX please pay attention to the name given at the store, his telephone number and the fact that XXXX XXXX emailed this person telling them that his order was ready for pick up.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (WA)

On XX/XX/2020, JEFFERSON CAPITAL SYST add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYST has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-18
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. (OH)

This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. Trans Union, XXXX, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-12-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AL)

So let me make sure that I understand. Despite writing NCB on XX/XX/21 ; XXXX and XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on XXXX requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted XXXX since NCB sent documents with their letterhead.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (CA)

My personal information was stolen and the XXXX Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's XXXX Experian and XXXX i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express Hilton Honors New Card : Applied to a solicited offer made by American Express Company on their website that would give XXXX miles if the cardholder spend {$1000.00} within the first 90 days. 

We made promotional spending amount but did not see the XXXX miles credited to our Hilton Honors account. We called American Express to enquire and were told by the American Express employees ( XXXX and XXXX XXXX that I did not qualify for : 1. First rationale : Bad credit history. When I shared that my XXXX score is XXXX out of XXXX they changed storyline. Changed storyline to second rationale after I shared my XXXX scores looking at the XXXX XXXX for the last 6 months. 
2. Second rationale : American Express communicated that they will not offer the promotion to me based on my credit history and I still accepted the credit card. I did not receive communication of this when our cards were sent in the email. I would love to see the letter sent via regular mail. 

It is truly Unimaginable that American Express is now engaged in scamming customers.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (RI)

On XX/XX/XXXX I called carhop to settle my Loan on a closed account, I settled and paid the company XXXX dollars. I was told this would take time to show on my credit report and Id receive a release lean in 4 weeks, I originally called carhop XXXX to report there was incorrect information reported on my credit report which stated I still owed XXXX and that my last payment was XX/XX/XXXX and was still in repossession I spoke to a XXXX who said Id have to send documentation a copy of my license etc to corporate to show proof this was incorrectly reported also stated it was the credit companys fault when that is FALSE. I settled with this company so I didnt have to deal with them but its becoming hard for anyone to help me with this when nobody can give me a straight answer. I settled with the company I dont know why I have to go through this.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My personal information was stolen and the XXXX Breach that leaked my information has effected me in a really negative way Fraudulent credit has been applied for. I have made a police report and i also contacted the credit company 's XXXX XXXX and TransUnion i have provided prof along with police reports and FTC report and even though i have tried to contact the company 's to see how they just give some one credit under my name with verifying ID or SS and the Police has also investigated when i call the credit company 's to remove the fraud off my credit they come back with " Verify '' witch at first making me happy thinking this nightmare is over!! I figured they stated that they did a investigation but then they say its Verified!!!?? what?? when i call the credit copays they have proof that it was me but have not yet provided me with proof and the also have not provided proof to the police making me think they investigated but they wont help me or the police with removing the fraudulent accts in my credit or giving me a copy of the investigation the person that did this to me and they wont give the information to the police.. I need help removing fraudulent things on my credit or i need the credit company 's to release the investigation information that they have when they investigated the company 's that proof that the fraudulent record belongs to me this way i can provided to the XXXX XXXX police department. 
I need the following information removed from my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Trans-Union XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove all this information from my credit report i have the FTC report and the police report I believe the credit company 's might know who did this and have allot more valuable information that for what ever reason they have not shared with me or the police due to they XXXX XXXX investigated and the information was verified!! I have proof that the credit company 's send me that they stated that they did Per their words " A Investigation the information my my credit report is verified '' Please help me with this mater at this point every time i call the credit company they hang up on me or say they will investigate
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Allen Daniel Associates, Inc. (MA)

I hereby inform you that I am the consumer, as defined by 15 USC 1692a ( 3 ). 15 USC 6809 ( 9 ). As a natural person, allegedly liable, I do not know the term Custumer that is used in this document to refer to me in order to try to collect an alleged debt. Debt : a word that is defined in title 15 USC 1692a ( 5 ) is an allegation about an alleged obligation, nothing real. Another title such as 12 CFR 1026.36 ( a ) ( 1 ) ( 1 ) ( e ) Debt means an amount of money, funds or property which has been determined by the FDIC to be deu to the United States form any person, organization, or entity, exept another federal agency. 12 CFR 313.121. In this document I cite some of the violations that this company did when trying to communicate with me in order to try to collect an alleged debt, using the USPS postal mail for its acronym to communicate false, misleading and fraudulent information, with the sole purpose of trying to collect an alleged debt. violating the following codes. Violation 15 USC 1692e ( 4 ). Violation 15 USC 1692e ( 2 ) ( a ) ( b ). Violation 15 USC 1692e ( 15 ). Violation 15 USC 1692a ( 3 ). Violation 15 USC 1692e ( 11 ). Violation 15 USC 1692f ( 1 ). Violation 15 USC 1692g ( a ) ( 1,2,3,4 ).
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2020, I mailed a letter about inaccurate account on my credit report. It has been over 30 days and I still haven't received a response.
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (NJ)

They are over 21 closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, 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 DelEit 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. 5 1681i, 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.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report.

I awai your reply wikh ( ne above reque sico prool.

Upon receiving All correscond back with you XXXX XXXX XXXX XXXX  Sincerelv. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

Back in XXXX of 2016, XXXX XXXX posted negative information on my credit history. I disputed with Equifax on XX/XX/2016, and the negative information was removed from my account on XX/XX/2016. Equifax gave me confirmation # XXXX after deleting the negative information from my credit. After one year, the same negative information reappeared under a different collection agency ( XXXX XXXX XXXX ). I filed a complaint with CFPB about Equifax. Equifax responded that the negative information reported by the XXXX XXXX XXXX was removed from my credit report. Check complaint # XXXX on the CFPB site. The same negative information reappeared for the third time under a different collection agency ( XXXX XXXX XXXX ). I have never received notice of Equifax 's reinsertion on both the second and the third time as the law requires it.
Consumer complaint received 2021-01-27
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)

I have 2 hard credit inquiries from XXXX on my credit report. I am unaware of this as I do not and have never had an account with them. When I called the bank, they asked for my social and had an available credit Under my social security number but a different name was on the account.
Consumer complaint received 2022-12-12
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have been a victim of identity theft for over 20 years. I have countless police reports on file with my Chex Systems regarding me being a victim of identity theft. The following inquiries viewed by others currently listed on my Chex Systems XXXX Report ID : XXXX is fraudulent, unauthorized, and not my inquiries : XXXX XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XX/XX/XXXX and XXXX XXXX XXXX XXXX, XX/XX/XXXX. I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others from my Chex Systems XXXX Report today. The inquiries are not my inquiries. Furthermore, I want Chex Systems to mail me an updated copy of my consumer report via XXXX mail. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX