davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I reviewed my Experian credit file, I noticed many items that were inaccurately reported. I contacted Experian by phone to discuss the items and was asked to go on line to file a dispute for the items. I chose to exercise my right to file the dispute in writing. On XX/XX/XXXX, I sent a letter to Experian noting a few accounts, including these accounts : XXXX from XXXX and from XXXX XXXX. I sent this correspondence certified mail with a return receipt requested. I received confirmation that my letter was received by Experian on XX/XX/2017. I received a copy of my dispute resolution approximately 2 weeks later, noting these accounts were accurate and would continue to report. On XX/XX/2017, I contacted Experian to inquire about the disputes and about the way by which these inaccurate accounts were verified. I also asked for the documents in their file that were used for verification purposes. I begged them for proof. I asked the same questions after calling their office 2 times on XX/XX/XXXX, speaking to 2 agents and a supervisor named XXXX. She did not give additional identifying information. During those conversations, I was told that Experian does not maintain actual proof of verification for accounts, the way that they verified these accounts is by sending the account to the creditor and, in return, the creditor said that it is accurate. I was also told by both agents that there is n't any department or employee at Experian that has access to any such documents that were used to verify these accounts because they do not exist. Based on a 3rd party collection agency, without any documentation to provide to me, Experian closed my disputes without verifying the accuracy of the information. I was told by agents, and the supervisor named XXXX, there that they did not have to provide me with such proof & the creditor 's word was enough for them to keep reporting it unchanged. I was also told that I needed to get my own proof and I needed to contact the creditor. I 'm requesting the above named accts : XXXX ( both ) and XXXX be deleted ASAP since Experian failed to verify the accuracy of the information reported by their company in accordance with the Fair Credit Reporting Act. To date I have not been provided with any documented proof from Experian that these accounts are accurately reported.
Consumer complaint received 2023-06-07
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., Account name : XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (MS)

My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Equifax, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items that I have diligently identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Consumer complaint received 2018-03-09
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: JPMORGAN CHASE & CO. (PA)

I applied for a Chase Sapphire Preferred card on XX/XX/18 on their offer page, which displayed ( and still displays ) the following offer : - XXXX point sign-up bonus - 1st year annual fee waived, XXXX $ every year after After applying, I was billed on the account for the XXXX $ annual fee, even though the offer I signed up for specifically advertised the fee being waived. I called Chase about this and talked with 3 representatives, all of which said, " The advertised offer is still active and is valid for other applicants, but not for you. '' They were not willing to honor their advertised offer. 

They told me to either deal with the fee or close my account, and that they would not waive the fee ... if I did a product change, I would still be charged. If I closed the account, I would not be eligible to apply for the card for another 2 years.
Consumer complaint received 2023-06-07
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  experian and XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Cascade CISS Holdings, LLC (AZ)

According to 15 U.S code 1681 c.2 this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately 1 of 2 XXXX XXXX XXXXXXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX  - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 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
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

There is NO ONE to speak to in order to cancel auto billing of credit monitoring You are forced into voicemail XXXX with no way of getting out, no one to speak to. It is infuriating and clearly a way to not cancel
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (FL)

During my trip to Hawaii, someone stole my book bag from my rental car. I have attached a police report to support my claim. I discovered that an account had been opened in my name with a company called XXXX XXXX XXXX XXXX, which uses Monterey Collection Services to manage their collection accounts. I contacted them to inform them that this account was not mine and requested its removal from my credit report. 

The company informed me that they had reached out to me once and that I had set up a payment plan. However, I must have been extremely busy at that time and confused it with something else. It wasn't until I noticed the account on my credit report that I reached out to them and discovered its true nature. I explained that this account was not mine and provided them with the police report as evidence. Unfortunately, they did not remove the account despite my efforts. 

Later on, I found another document that indicated the contract they had in place should have been voided. This document, which I have attached, was signed after they initiated the contract. Despite presenting this evidence to the company, they continued to report the account on my credit file. 

I have tried multiple times to dispute this issue with the credit reporting agency, but they have not removed the account. Furthermore, the company has been unable to provide any evidence of my usage of the account and has not produced any documents that support the cancellation of the contract. 

In summary, my book bag was stolen in Hawaii, and as a result, an unauthorized account was opened in my name. Despite providing a police report and evidence of a voided contract, the company has refused to remove the account from my credit report, and the credit reporting agency has been unresponsive to my disputes.
Consumer complaint received 2023-06-07
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. (NV)

I am submitting my complain for you to notify that the inaccurate informations continue to report on my credit report, In violation of federal law, the 3 credit bureaus shall make actions and make the accounts be corrected. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These following accounts needs to be corrected immediately XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXXXXXX Balance.
Consumer complaint received 2023-06-07
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: Possible Financial Inc (OH)

After requesting by certified mail that XXXX XXXX investigate and remove inaccurately reported items on my credit report, XXXX failed to remove such inaccuracies or provide evidence within 30 Days of how they verified the accuracy of these accounts.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

US bank bought out XXXX Bank. I had an account with XXXX and was only a signer on my mothers US Bank account. Once the merger happened, all XXXX accounts ( XXXX checking and XXXX savings ) show up as my account so when I use the atm, I dont know which is really my account. 
If I were a signer on a patients account that I help, as an example, Im sure he wouldnt want to be sharing the details of his account with me! 
Im a XXXX not her account owner. 
I had my own sign in for XXXX and I never had a personal account with US bank. 
As an addition XXXX years ago when I tried to get change at a small US Bank in a store, they wouldnt give me change because I didnt bank with them.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

I'd like to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Here is the list of account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (TX)

In XX/XX/XXXX, I took out a {$3000.00} personal loan from Upgrade. Somehow, my payments got linked to my XXXX daughter 's debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to XXXX XXXX XXXX, a debt collector. I settled with XXXX, made payments, and paid off my balance. Meanwhile, Upgrade retracted the sale of my debt but I was not notified, so I continued paying XXXX. 

On XX/XX/XXXX, I received a letter from Upgrade that my account had been closed again and charged off and that I owed {$3.00}, XXXX. 

I have called Upgrade many times, they say that XXXX hasn't sent them the money and that there is nothing that they can do. 

I have called XXXX many times. They said they transferred the debt to XXXX XXXX but that my obligation was completed. XXXX did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to Upgrade but they said it didn't matter because they still didn't have the money. 

I have called XXXX and they say that they sent payment to Upgrade and that there is nothing else they can do.
Consumer complaint received 2024-10-03
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I am writing to formally express my dissatisfaction with the services provided by Lexington Law. When I enlisted your companys services a year ago, I was promised specific actions would be taken to improve my credit score and remove inaccurate or negative items from my credit report. However, despite my continued payments and engagement with your service for the past year I have seen no significant changes or improvements to my credit report.

Specifically, I was led to believe that Lexington Law would : Improve credit score As of XX/XX/year>, these promises have not been fulfilled. I have reviewed my credit reports from all three major bureaus ( XXXX, XXXX, and XXXX ), and there has been no substantial improvement in my credit profile. Furthermore, I have received little to no communication or updates regarding the actions your firm has taken on my behalf. 

Given the lack of progress and transparency, I am requesting the following : 1. A detailed account of all actions taken on my behalf since I signed up for your services, including copies of any correspondence sent to credit bureaus or creditors.

2. A refund for services that were not performed as promised, per your satisfaction guarantee and the terms of our agreement.