davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (NY)

Never received statements on the credit card, or have the credit card in my possession as I made it aware to Continental Finance that I had lost my XXXX credit card but could n't get a new one due to the account being closed. I would like the late payments to be removed from my credit report.
Consumer complaint received 2017-07-08
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: CITIBANK, N.A. (FL)

Sears Citi Mastercard : Fraudulent charges : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$240.00} ( reference Number : XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$8.00} ( ref. # XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$13.00} I 've called Customer Service, transferred to Security. No action were taken about the above charges other than send me a new card. I 've seen a higher minimum payment and I continue to pay for these fraudulent charges I did not incurred.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

I am challenging Public Record Information on my credit reports as being inaccurate in its filing. The bankruptcy was initiated by the Federal Court, a government agency. Accordingly the term " Dismissed '' means that it is adjudicated by the law. The filing case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MD)

I applied for AMEX platinum credit card a few month ago. This card has sign up bonus, if I spend over XXXX dollars within 3 months after account open, I will get XXXX MR reward points. 

I got bonus points after I spent $ XXXX+ within 3 months, but AMEX just clawed back my points last week, I called them to inquire, they told me because I have return credits, so my spending is below {$3000.00}, I did n't meet spending criteria. That is not true, I did have some return credits, but no matter how much credits I got, my net spending is over {$3000.00}. So I am eligible to qualify for bonus.
Consumer complaint received 2017-08-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION (FL)

Our son had an XXXX procedure done X/XX/17 at XXXX XXXX XXXX Medical Center in XXXX XXXX XXXX Florida. We made an arrangement for a XXXX dollars a month payment. We had this agreement in writing and it is in the XXXX XXXX XXXX computer system. We made timely payments. In early XXXX we received a letter from Central Financial Control trying to collect on this debt. They said the {$50.00} payment was not a formal agreement. It is in writing and in their computer system. I feel they should honor it.
Consumer complaint received 2017-08-21
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 am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2017-08-21
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. (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. MABT/CONTFIN is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX  requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2017-08-21
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: Continental Finance Company, LLC (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX/CONTFIN is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/CONTFIN requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/CONTFIN to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2017-08-20
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: CITIBANK, N.A. (WA)

Best Buy credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments
Consumer complaint received 2017-08-20
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)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2017-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

OnXX/XX/XXXX, my brother went to the Chase Bank branch in XXXX XXXX, Indiana like he has done since about XX/XX/XXXX to cash his monthly check I write to him from his social security XXXX payment. I am his representative payee and mail him a check each month from the funds deposited into the checking account. This month he had to pay a {$8.00} fee to cash the check I wrote because Chase Bank classifies him as a non-account holder because I am the representative payee. The money is his and is direct deposited from the Federal Government each month. I communicated via secure online messaging with Chase Bank and they referred me to the branch. I then spoke with the branch manager and was told she can no longer waive that fee because Chase Bank had updated the computer software and removed her authority to do so. My brother 's account has been open since XX/XX/XXXX, maintains a nice balance with direct deposit and only 2 paper checks each month are process through it normally.
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

They keep selling the debt to new collection agencies, then it shows a new open date, and it never goes away. This " supposed '' debt is well over 10 years ago ... Not only that, but I do n't even owe the money! I asked XXXX XXXX to close my account back then, and they told me on the phone it was taken care of, but then they never closed it. I am never going to pay money I do n't owe. I just want to know how to get rid of this thing on my credit. I 've been punished long enough for something I did n't owe.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I received confirmation from HSBC that my request for a loan modification had been approved as of XX/XX/XXXX. After asking several questions regarding the modification, it is clear that the modification will cause more harm than good. The STEP modification will reduce my interest initially then step back up to almost 6 % in 3 years putting me back in the same situation I am in now and will increase the maturity of my loan from XXXX to XXXX. I made in effort in good faith to request the assistance from HSBC but it seems they have only increased the hardship through this modification instead of providing assistance. This is an unfortunate matter to which I would like a resolution.
Consumer complaint received 2017-08-21
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. (AZ)

I checked my Experian credit report and there is a discrepancy that says I owe several hundred dollars for medical services that I did not receive. I have been on the phone with XXXX twice, each time for more than an hour. In fact, as I am typing this, I am on my 65th minute on hold. Experian has identified that the person who owes the debt that is on my credit report has a different name than me and that the debt collection agency does not have a social security number on file. I already submitted a " dispute '' 30 days ago and it was declined. Experian is telling me that the collection agency has the right to put it on my credit report since they do not have a social security number for the person who received the services. They also now are telling me that it is my responsibility and my burden to prove that I did not receive these services and that I am not XXXX XXXX. They are also saying that they will file another dispute letting the company know the issue, which they already did and it was already rejected. How is it that someone can damage someone 's credit report by guessing who owes the money and then it falls on the innocent party to prove that they did not receive those services and that they are not the person who owes money? It has left me with only an option to seek an attorney at this point.
Consumer complaint received 2016-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My home was purchased XXXX XXXX XXXX for {$140000.00} the mortgage was sold several times with BofA being the final owner of the loan. There was a XXXX mortgage taken out with Countrywide of {$39000.00} when BofA purchased the loan from Countrywide the mortgage went from {$140000.00} to {$200000.00} my thought was the XXXX was included in the transfer to BofA. I have since been served with intent to foreclosure from a company called XXXX XXXX XXXX who claims to have the deed for the XXXX from Countrywide in the amount of {$21000.00}. I have contacted BofA several times on this issue before I received the foreclosure documents from XXXX XXXX. No one can give me any answers on how my mortgage went from {$140000.00} to {$200000.00}! The auction sale of my home is to be XXXX/XXXX/XXXX I have had to hire an attorney to try to stop this foreclosure and to date I have not heard from BofA. I have not missed payments with BofA mortgage my account is current.
Consumer complaint received 2016-09-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO. (WV)

I took out a private student loan from Chase during my sophomore year of college in XXXX. My father co-signed it. I was constantly in contact with them during the process of forbearance and delaying payments while i was in school. Once I graduated I was diligent about making my payments, on time every month, never late, sometimes more than the minimum amount. After about 2 years of making regular payments, i hit a rough spot in life, my boyfriend bought a house and we moved in together, about XXXX week after closing he was laid off from his well paying job. He was eligible for unemployment, but it barely covered his car and other bills, let alone a new mortgage payment. I had to take over the mortage payments, which left less money to pay other bills. I was able to defer another federal student loan that i had. I had called Chase several times during this time, explaining the situation, asking for any short term assistance I could get ( lowering payments, a few months of deferment, etc ) I was open to any options I could get to help me for just a short time ( less than a year ). They advised that unless this was going to be a long term issue, and I needed to be the XXXX to have the unemployment they were unable to help. So at the time i made the decision to stop paying. I was a loyal customer, my boyfriends mortgage was with them, I felt that they were not doing anything to help someone who would have gladly paid back her loan, had they assisted her for about 6 months. My father had cosigned the loan, he was unable to pay, he has a very seasonal job with high layoffs, has many bills to pay himself XXXX including parent plus loans for my education ), he was attempting at bankruptcy. After a couple months of letter stating that i was behind on my loan and it was going to collections, i never heard again from them, until fall of XXXX. I received a letter in the mail stating my loan was charged off. I thought nothing of it figuring a collection agency would contact me to set something up. Then After the first of the year XXXX I received a tax document from Chase stating that my loan was charged off and the dollar amount would be taxable. This was close to {$30000.00}!! that doubled my income ( i think i only made about $ XXXX that year ) which then doubled my tax 's due. I now owe close to $ XXXX in back taxes. I think this is absurd, I never got the chance to make any payments, or was ever contacted from a collection agency. They never contacted my co-signer for any information and he is not responsible for any of the amount charged off.
Consumer complaint received 2016-09-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Moneygram has blacklisted me and will not let me send money across the street let alone anywhere else purely based on conjecture with no evidence of proof or eyewitness testimony! 
Dear XXXX XXXX, Thank you the letter you mailed to our corporate office dated on XXXX XXXX 2016, detailing your concerns associated with MoneyGram XXXX. 



You have complained that MoneyGram has refused service. 



Please be advised that in order to protect the safety of our customers, and to meet our compliance requirements, MoneyGram actively reviews transaction amounts and frequencies and will, from time to time, put restrictions in place to safeguard our consumers. MoneyGram retains its rights to process or decline any transaction sent through its system at any given time when it does not feel comfortable with the purpose of the transaction and/or sending/receiving activities of the customer. 



After reviewing your send activity, MoneyGram Compliance Department determined that your transactions raises several red flags concerning the activity. Due to this reason, your name was placed on restrictions in the MoneyGram system which disables you from using our services. This decision was made after careful consideration and can not be changed in the future. We apologize for the inconvenience. 



Providing first class service is one of our main priorities. Again, we are sorry you encountered any inconveniences with our service. 



If you have any questions, you may contact us directly by e-mailing us at XXXXXXXXXXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence Regards, XXXX XXXX XXXX - Resolution Assurance ______________________ MoneyGram XXXX p : XXXX f : XXXX XXXX XXXX , Texas XXXX , US
Consumer complaint received 2024-10-14
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. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX FIN AM XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>