davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CO)

My Chase debit card information was obtained somehow and they spent {$2400.00} at XXXX, XXXX on XX/XX/2016. Then an ATM withdrawal in XXXX again for {$500.00} on XX/XX/2016. Tried to Log in to my online acct. and it said my username and password were incorrect so someone changed it. I called Chase and they froze my debit card and said they 'd send out a new one. On XX/XX/2016 the {$2400.00} was credited back to my account. After not receiving my debit card after 10 days I called Chase and stopped that one as it had been sent but I had n't received it. The lady at Chase also informed me that the {$500.00} atm withdrawal was denied reimbursement as it would have had to be me in XXXX. I informed her I was in XXXX and could prove that. I was then sent to a supervisor then a Chase specialist after I informed them I would have to take further action against them. I was given a case number then the next day Chase took the {$2400.00} back out of my acct. I informed them I was filing a formal complaint and would be closing my accts. I was sent to another ladies voicemail with no return call. So I have not been reimbursed any money as the law requires within 10 days nor do I have a new debit card!! I will also be filing a complaint with the OCC and with my local branch manager. Very disappointed in Chase Bank as the bills that are supposed to come out of that account are n't getting paid!!
Consumer complaint received 2024-10-13
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. (PA)

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.
Consumer complaint received 2024-10-13
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. (LA)

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. 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 2024-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (CO)

On XX/XX/XXXX I contacted Credit Systems Inc. They placed a false judgment on my credit report which was removed by the credit bureaus. however I still wanted to discuss it with them because they have me in collections. The debt they had was originally {$230.00}. They then sued me in court and raised my debt to {$1000.00}. They are continuing to raise the amount I owe. I communicated with them I could not make the court date because I was in a hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX XXXX son. They said that 's not their problem and they will continue to charge me interest. I am XXXX XXXX military and by law, the company is required to let the court know that when they " sued '' me. They told me they did n't let the court know and again it 's not their problem. As a service member, I have legal protections against situations like this. The company has lawyers and they know the law. Their blatant disregard for it is inappropriate.
Consumer complaint received 2024-10-13
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. (MI)

On XX/XX/XXXX I mailed out letters to Experian letting them know that XXXX XXXX XXXX Account # XXXX was a fraudulent account that was opened without my permission Experian never responded to these letters at all so I then filed a cfpb complaint after the 30 days and no response on XX/XX/XXXX complaint number XXXX came back as verified. I also sent out these same letters to XXXX and XXXX, and they found this account to be fraudulent and have since deleted it from my XXXX report and it has been deleted from my XXXX report. 

If metro 2 compliance says that it should be reporting the same on all bureaus why is Experian violating my FCRA rights by leaving this fradulent account on my report. 

I have attached the FTC Report as well as the deletion letter from XXXX showing the account has been removed and found fradulent by them.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (CA)

After pulling my credit report I found that I had a collection account from Stellar Recovery Inc . I reached out to them at XXXX and spoke with XXXX representatives. The first agent I spoke with in regards to this matter was unable to locate an account. After getting annoyed by the situation I was then transferred to XXXX who was able to locate the information. When trying to find out why I was n't given the proper notification so I am able to handle the matter at hand I was informed that not only did they not have the correct address on file which the vender Century Link does have to proper address on file. I asked if they verified any information and was informed they did not. I then proceeded to figure out why they went against FTC collections policy and what it was going to take to get this handled and removed. They told me they would not do anything and if I pay it they will just mark it as paid on my report. I also found that they shared my information with XXXX parties which I did not agree to. 

By law all this information was supposed to be verified by the vender including the mailing address. This company failed to follow those compliances the demanded that I pay it so they can mark it as paid.
Consumer complaint received 2017-07-09
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: Experian Information Solutions Inc. (GA)

This letter is to inform you that Experian, XXXX and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX * XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NE)

My monthly payment has increased from {$1200.00} to {$1600.00} due to an increase in my real estate taxes. The increase to {$1600.00} is spreading the escrow shortage of {$3800.00} over 12 months. I have requested to extended the spread from 12 months to 24 months as the {$400.00} per month increase will create a finciancial burden on my household. The local property taxes in my community have increased 200 % within the last 12 months. The lender did provide me a 24 month repayment when the first property tax increase incurred of 100 %. Due to the fact that the lender did allow the repayment spread based on the last escrow analysis, they are now refusing to provide a 24 month repayment with an additional 100 % increase. My annual taxes went from {$900.00} per year to {$3800.00} per year within a 12 month time frame. I would like to get the new escrow analysis shortage spread out over 12 months to avoid possible missed payments. The lender stated they would not allow any changes in the increase unless I did become late on my mortgage payments. I am attempting to avoid possible late payments with this request.
Consumer complaint received 2017-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions has posted three collection items with the three leading credit agencies XXXX, XXXX, and XXXX. I have tried to get these items removed from my account several times because they are inaccurate. I have never had any business dealings with this organization. There has not been any signed contracts, verbal contracts, or any services provided to me through this organization. They have the Provider of service listed as XXXX XXXX. I have spoken with this XXXX XXXX and according to them, I had XXXX during the time of service. Under the HIPPA law I am allowed to protect my privacy and medical records. I have filed a dispute with all three bureaus requesting validation of this debt. Bull CIty Financial should not have any access to my medical records because I never signed authorization for them to obtain this confidential information. Therefore, I am requesting this organization to remove any and all listing from my credit report because I have no contract with them and the account has been settled with the provider of service XXXX XXXX. See items below : # 1 BULLCITY FINANCIAL SOL {$180.00} XXXX XXXX, XXXX XXXX, 2017 # 2 BULLCITY FINANCIAL SOL {$260.00} XXXX XXXX XXXX XXXX, 2017 # 3 BULLCITY FINANCIAL SOL {$170.00} XXXX XXXX XXXX, 2017
Consumer complaint received 2024-10-13
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. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is XXXX  my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXXXXXX XXXX Account number XXXX XXXXXXXX
Consumer complaint received 2024-10-13
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. (WI)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2016-06-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (MD)

I have sent several requests to Pinnacle Credit Services per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.
Consumer complaint received 2016-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

In XXXX of 2016 I received a letter from a company named Navient stating I have to make a student loan payment to them. On XXXX/XXXX/16 a certified letter was mailed to Navient requesting validation of the allege loan debt. Navient has failed to validate the debt and is in violation of Fair Debt Collection Practices Acts that require a debt collector to validated the debt they are attempting to collect on. Navient is harassing me and conspiring to defraud me by violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Furthermore Navient continues to attempt to collect on an alleged debt without strict proof of its existence falls under Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my XXXX credit report and noticed Navient published a negative remark. This is defamation of character and a violation of Fair Credit Report Act which requires accurate information be reported.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

One of my client needs to do a background check on me in order to allow me to work on their project. I have " credit freeze '' from all 3 credit bureaus ( XXXX, XXXX, and Experian ). When I freeze my credit, I meticulously double-checked, triple-checked my passwords and PIN provided by the bureaus. And for years, I have never had any problem thawing my credit online with XXXX and XXXX. However, this time, my client uses Experian and over-and-over again ( over 1 month ), Experian will not allow me to thaw my credit using their online request and require me to mail in the request. Hence, the start of the problem. XX/XX/XXXX I mailed the request to thaw my credit for 14 days to Experian. Their form only allows me to specify XXXX days, but not which date the thaw should begin or end. I never had to use snail-mail to lift my credit with XXXX or XXXX so I expected Experian to get back to me to ask me for the beginning date once they receive my mail. Well that did n't happen. XX/XX/XXXX Experian sent me a letter stating that my credit freeze was lifted " ... .for the time frame ( 14 days?!?!? ) you selected. '' Their letter was dated XX/XX/XXXX with no post-mark date and it was NOT received by me until XX/XX/XXXX. See attached file.
So if Experian lifted the freeze starting XX/XX/XXXX, which I suspected they did at that specific date. Then, that means I ( or my client ) have until XX/XX/XXXX ( next Wednesday ) to check my credit report. Since I ca n't respond to my client until XX/XX/XXXX and over the weekend. This means that I ( or my client ) have until next Wednesday to check my credit before it is " freeze '' again. Knowing the corporate-culture of my client, a XXXX company, it is not reasonable to expect their employees to put my case as the top priority when they are handling hundreds of other credit check cases. That 's why I put in a 14-day period, but what I got was a 3-day period of " thaw '' due to Experian 's inadequate form and slow processing time. So herein lies the problem : 1. Why Experian did not allow for online " thaw '' of my credit? I am positive that I have filled in the correction information, but received messages stating that my request ca n't be verified and therefore, I have to mail in my request. 2. The mail in form did not state the " starting '' and/or " ending '' dates of my request. How I am ( or other consumers ) to judge or know when they will receive U.S. Post Office mail and process my request on what date? My letter was mailed on XX/XX/XXXX, they stated it was processed on XX/XX/XXXX, and I did n't receive their letter until XX/XX/XXXX. Is n't this a big problem? I would not want to lift my credit freeze longer than necessary or it would defeat the purpose. So I put in 14 days and that looks like it is not enough. This is ridiculous. I hope CFPB can do something about this. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
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. (FL)

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX all credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 The hard Inquires that are on my credit report that should also be removed. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2016-09-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

When I opened an account with PNC back in XXXX 2016 there was a promotion to get {$200.00} if I deposit {$2000.00} and use my card for a certain number of transactions and pay a bill online. I did all those things but still did n't receive the promotional offer. I went to PNC branch in XXXX NJ in XX/XX/XXXX and spoke to the manager who opened my account ( XXXX XXXX ) he said he will look into that. Nothing happened for two weeks and I went to see him again, he made a call and said the money will be in my account in ten working days. This however didnt happen so I emailed him on XXXX XXXX and he said he will look into that. To this day I didnt receive the money.