davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Management Control, Inc. (MD)

i disputed this debt on my credit report and this company validated debt. Original creditor advised that this would be removed and sent me a letter stating such. This company mailed me specific medical information about my medical treatment as well as a XXXX XXXX XXXX 's surgical information as well both in violation of HIPPA and State Privacy laws. And lastly, upon clearing up the matter with my doctor and insurance company, CMC INC validated the debt with XXXX and XXXX and continued to report erroneous information which prevented me from obtaining insurance.
Consumer complaint received 2023-06-17
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. (OR)

Reached out to Experian credit reporting to submitted complaint about false address on file ( XXXX XXXX XXXX XXXX XXXX, XXXX OR XXXX ). They continue to use this and report this address. Not lived in this place. I want them to report correct information all other address should be removed and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX is valid. Experian is reporting false information on my credit report. I've submitted several times asking for this address to be removed. Same results everytime using the same address as a completed task it what it states.
Consumer complaint received 2024-08-28
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-29
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. (TX)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2016-05-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

I have requested verification and validation from this company and they refuse to provide. I allegedly have XXXX accounts with them XXXX for XXXX the other for XXXX. They removed this from my other XXXX bureaus but still continue to report this debt on my equifax credit report and this needs to be removed. The last XXXX of my social are XXXX and my date of birth is XXXX/XXXX/1988. Shows the original creditor is XXXX XXXX. I DO NOT owe this debt and this debt.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

I have asked JH Portfolio to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I am trying to purchase a used car. On the morning ( Eastern Time ) of XX/XX/XXXX the dealer informed us our credit report was blocked. After the Equifax security breach fiasco we used the Equifax block feature, so I went to the XXXX  website and clicked on unlock ( later the morning of XX/XX/XXXX ). This morning ( XX/XX/XXXX ) I called Equifax customer care at XXXX, I clarified I had seen the " Please allow 48 hours  to process your request '' notice ( see screenshot ), but was requesting they go ahead and remove the block so I could purchase the car today. 

We later checked with the dealer and they said our credit was still blocked, indicated no data was being provided. I called Equifax again to ask what was going on. The representative told me it would take 30 days, so I requested to speak with their manager. The manager confirmed credit was unblocked and in fact, saw the dealer had pulled my credit that morning. The manager suggested I pull my own credit, I did and indeed saw the dealer name with today 's date at the top of the inquiry list ( see screenshot - I partially obstructed the dealer name, because this shouldn't be their fault and don't want negative publicity as a result of this complaint ). 

I called back the dealer, they checked again and said no credit data was available. They also clarified they saw this issue a lot with other sales, it indeed takes several days for credit block to be " fully '' removed. The Equifax FQA section states the unblock should be near realtime ( see screenshot ). This a extremely frustrating process and I understood the credit bureaus were mandated by the government to make this process reasonably efficient for consumers.
Consumer complaint received 2023-06-15
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. (MS)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-28
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-28
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXXXX/XX/XXXXXXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc (CA)

Re : XXXX XXXX XXXX Self Lender Account XXXX Dispute I wrote and called to them to request a letter of deletion for my records for this account. I have checked my credit reports for all 3 bureaus and see that the derogatory information from XXXX ( XXXX XXXX XXXX  is partner for Self Lender ) for the above referenced account is still on my XXXX Credit Report. I started this self lender account to help my credit and due to an accounting error in the 1st month, every month Ive had this account opened they reported it as 30 days late. I need this entire account removed from my XXXX credit profile completely and immediately. 
Please forward the letter of deletion to me at my fax number XXXX and also mail me a hard copy. I am in the middle of a very important real estate transaction and this information is causing significant delays. 
I spoke to someone at XXXX about this issue some months ago and the information was removed from XXXX and XXXX  but not from XXXX 
XXXX XXXX XXXX failed to properly setup the automatic withdrawal to pay the monthly amount from the beginning of the process as I requested and setup.
Consumer complaint received 2018-12-28
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 I submitted a credit card dispute claim with CHASE CARDMEMBER SERVICES for three transactions totaling {$7000.00} dating from XX/XX/18, XX/XX/18, and XX/XX/18 respectively. As a financial services professional, I take very seriously the merchant chargeback process and only availed myself of this recourse as a final option since the merchant was unwilling to speak with me further. I provided a detailed affidavit with direct, explicit supporting evidence for my claims to CHASE, including my original business contract between myself and the merchant. 

In subsequent days and weeks, I followed up with phone calls to the CHASE CARDMEMBER SERVICES dispute support team wherein I was advised that my claims " were being investigated and that should we require additional information, someone from CHASE will be in contact with you. '' Eventually, through additional numerous calls to the CHASE CARDMEMBER SERVICES dispute support team, I was informed that the transactions in my claims had been validated as legitimate transactions with no explanation as to how these conclusions were reached. 

When I asked CHASE representatives for evidence of how they reached their conclusion and for proof of any steps that were taken to either validate or invalidate my claims and provided supporting evidence, I was told that they are unable to provide as much. When I pressed the CHASE representatives for further details on how they reached their conclusions citing the direct evidence that supported my initial claim, the CHASE representative indicated that my case had been reviewed by senior dispute specialists and that was all they could tell me.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Klarna AB (FL)

On XX/XX/2018 I made a purchase on XXXX using a Klarna credit account. This was a 6 month interest fee purchase ( 19.99 % deferred interest ). On my XXXX bill it shows that I needed to pay off {$390.00} by XX/XX/2018 to avoid approximately {$74.00} in deferred interest. I made a payment of {$400.00}, which was more because I how how credit card companies are and will try anything to nickle and dime money from you. Anyways I check my balance the next day and I'm hit with {$74.00} in interest. I contacted XXXX and we went back and forth and they apparently apply the payment differently between promotional and non-promotional purchases. I'm attaching the statement I was sent, but I feel like after reviewing the statement I was sent, it looks pretty deceptive ( visually and in wording ) in their showing of what needed to be paid in order to avoid deferred interest.
Consumer complaint received 2018-12-13
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. (GA)

On XX/XX/XXXX, I sent the following information to EQUIFAX in an attempt to correct information on my report, they have failed to remove, update my report with an accurate status : My information has been accessed and has been used without my knowledge. The information listed below which appears on my credit report does not relate to any transaction ( s ) that I have made. I am requesting the following accounts and inquiries be blocked and removed immediately : Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX Inquiries : XXXX- XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX In addition, I was impacted by the Equifax breach. I was advised by legal counsel to notify the police department as well ( see enclosed police report ). There continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : XXXX XXXX- XXXX, XXXX XXXX XXXX XXXX- XXXX, XXXX XXXX/XXXX- XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX EMPLOYER  is XXXX XXXX since XXXX located at XXXX XXXX XXXX. XXXX, XXXX , GA XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX XXXX from my report.
Consumer complaint received 2016-05-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

On XXXX I made a deposit to an ATM machine co-located with a branch of Fifth Third Bank in XXXX, GA. The ATM accepted the {$400.00} cash deposit, but did not present a receipt nor did it acknowledge the deposit. The teller then told me they had been having trouble with the ATM and the XXXX technician had just left. I waited for the technician to return, and after an hour, he returned. He confirmed that the {$400.00} deposit had been made. The teller called Fifth Third HQ and I was given a " provisional credit '' of {$400.00}, reportedly until the ATM was balanced. On XXXX, the bank transferred {$110.00} from my account stating that the ATM did not balance and it was short {$110.00}. I referred to the teller and XXXX technician who both confirmed that I had made a {$400.00} deposit. The matter was further referred to their dispute resolution committee, which determined that they were entitled to keep the {$110.00} and could take up to 14 additional business days to investigate the matter. My complaint is this : the malfunctioning ATM machine is not my fault, and caused considerable inconvenience for me on XXXX. Why am I being prevented from using {$110.00} until they discover where the problem lies? Is this just miserable customer service or is there an actionable conversion of funds by the dispute resolution committee?
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (WI)

I booked 2 airline tickets on XXXX, paid in full at the time of the purchase. They showed up on my XXXX XXXX Visa credit card statement as XXXX separate transactions, both under the name " XXXX '' ( this is the name of the airline carrier ). Both are dated XX/XX/2018 for {$720.00} each. 

I specifically increased the credit limit on my card and purchased through XXXX because of the rewards offer. Without the rewards, I would have gone through a different vendor and credit card. Using the XXXX XX/XX/XXXX visa cost me trip protection that would otherwise have been provided by a different credit card company and resulted in a higher dollar total for the transaction. 

Barclay 's XXXX XXXX Visa reward rules state : Earning Points - You earn points for purchases less credits, returns and adjustments ( Net Purchases ) made by you and/or any authorized user of the Account as follows : You earn 5 points for every {$1.00} spent on eligible Net Purchases made at XXXX. Eligible purchases include : cruises ( as defined by the merchant category code ), Name Your Own Price, Express Deals and Pay Now bookings, as well as purchases of Trip Protection products, made on XXXX. A Pay Now booking is any booking that requires payment at the time of booking. For more information on Name Your Own Price, Express Deals, and Trip Protection, please see XXXX. ( see https : //www.barclaycardus.comXX/XX/rewardsHub?earningRewards= ) My purchase met all of the requirements outlined by Barclay 's to be a qualifying purchase. I should get 5 points per dollar for these charges. However, Barclays has only provided me with 1 point per dollar. The missing points are worth over {$57.00}. 

Barclay 's claims that the transaction is not a qualifying purchase, however it clearly is. XXXX had mentioned something about the " merchant of record ''. My receipt is from XXXX, so they should be considered the merchant of record. XXXX 's version of the rules would be misleading at best, since there is no apparent difference between purchasing hotel reservations ( which qualify for rewards ) and airline tickets ( which at the moment appear not to ). In any case, when I contacted XXXX about the situation, they denied any responsibility, claiming that my agreement is with Barclay 's and not with XXXX ( I would tend to agree ). 

Barclay 's, please give me the reward points I am due, or else the cash value.
Consumer complaint received 2018-11-24
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (WI)

On XX/XX/XXXX, I called PNC Bank to open a dispute for the full amount ( {$220.00} ) of a transaction that posted to my debit card on XX/XX/XXXX. On XX/XX/XXXX, I received a questionnaire in the mail asking for an explanation " describing the nature of your dispute, and the dollar amount of the error. '' I mailed back the attached explanation the following day. 

On XX/XX/XXXX I received another letter asking for a copy of a receipt or billing statement. I called to inform that I don't have a receipt or billing statement. This was clearly indicated in the written explanation I had mailed earlier. 

On XXXX I received a letter informing me that my claim had been denied. I called, and was told the claim was denied because a receipt would be necessary to process a partial amount dispute. I was confused because I was disputing the full amount of the transaction. The representative told me the dispute was opened in the system as a partial dispute, and I should have noticed that the incorrect amount was temporarily provisioned back to my account. I countered by saying that in my written explanation I had indicated a dollar amount of the error that was the full amount of the transaction, which clearly no one read at any point. The rep refiled the dispute, and told me I may be getting additional questions in the mail. I became concerned that I already received a questionnaire to which I responded previously, and would not want to be receiving the exact same questions again. The rep assured me that all documents from the original dispute would be transferred to the refiled dispute, and I should only receive requests for new information. 

Sure enough, on XX/XX/XXXX, I received in the mail the exact same template questionnaire I had received the first time around. I mailed back the exact same explanation ( attached ).