davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
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: Experian Information Solutions Inc. (GA)

Experian is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX University I am attaching supporting documentation to have these accounts three accounts reinvestigated. 
Experian will not provide documentation regarding verifying public records. They've provided several generic statements regarding verifying through 3rd party companies, but will not identify the name of the company. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

As it relates to XXXX XXXX University, I have requested validation from XXXX and they have not provided an account with my signature. Therefore this account should be deleted. You allowed XXXX XXXX University to report the account as a collection account in XX/XX/XXXX and  Closed in XX/XX/XXXX, but XXXX sent Statement of account showing payment in XX/XX/XXXX.  That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. 
I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 

Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately reported XXXX XXXX University inaccurately reported
Consumer complaint received 2018-02-10
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: SYNCHRONY FINANCIAL (NY)

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-07-27
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. (TX)

I was recently denied a personal loan which prompted me to obtain my free annual credit report for all 3 credit bureaus. Upon reviewing my credit reports for XXXX and Experian I discovered that there is information currently reporting that is inaccurate. XXXX and Experian both list me as an authorized user for a credit card with XXXX XXXX XXXX that I have never been in possession of ; applied for ; nor given anyone permission or the authority to utilize my name or social security number. I disputed this with XXXX  XXXX XXXX back on XX/XX/2018 by placing a call to their customer service number XXXX. During that time I spoke with a representative regarding the matter and I provided my personal information to the representative when he was requested it, but the representative was unable to retrieve any account information and advised that there was no account listed in my name and no account for a credit card. 
Since this time, this particular account was removed from my XXXX   credit report. Given that I have no accounts with this company and again I never authorized my personal information to be utilized I am requesting that the information XXXX  XXXX XXXX is reporting to XXXX  and Experian is removed immediately as this inaccuracy is altering my life in a negative way.
Consumer complaint received 2018-02-10
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. (TX)

IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (NY)

I have never signed up for emails from Credit Karma.

Credit Karma sends me frequent unsolicited and deceptive/incorrect emails alleging that my credit score has decreased, that I have missed payments on accounts that I do not have, that I have opened new accounts that I have not opened.

I understand that Credit Karma earns revenue by showing advertisements for financial services ( such as credit cards ), so I have avoided responding to their emails because I have not solicited their services and do not wish to provide revenue to a firm engaged in these types of business tactics.
Consumer complaint received 2018-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (MD)

On XX/XX/XXXX, my daughter took out what we both thought was a small payday loan for {$500.00}. We agreed to the repayment of a {$800.00} with this expectation of the loan repayment of the {$300.00} in accrual. To date we are still repaying this loan having paid it back 3 times over and it is now XX/XX/XXXX. XXXX XXXX states that there is still a total amount due of over {$500.00} and the unbeknownst to either of us only 5 % goes toward the outstanding principal with a current interest of over {$6.00}. XXXX XXXX is deducting payments for said payday loan biweekly and the closer we get to paying off this loan the less money they deduct in order to continue making money off of us. We can not get rid of this loan!. My daughter is a struggling young single mother of XXXX who works hard, is in school and does not make a lot of money. At this time she is in financial dyer straights and can no longer continue to pay XXXX XXXX on this ridiculous loan. She has been compliant in paying XXXX XXXX back and on time. We would like this to stop! The amounts they deduct from her checking account are never in a set amount as they spike up and down. It is almost as though they just choose a number of dollars and take it from her in repayment. She appreciated the help and has been very grateful, respectful and kind. I as a mother want them to stop taking advantage of my child. Please help her/us, and I say us because when she hurts, I hurt for her and I too help her keep these people off her and I do not make a great deal of money myself. It's a shame that when you are an honest person you have those that manipulate on those that need it. Yes we knew we would have high interest but not one that would continue to keep her bonded financially
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with response from Experian response ; Bankruptcy has been verified with US BKPT CT TX XXXX ( The Bankruptcy Courts ), which is not true because The Bankruptcy Courts does not verify credit information. Experian will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Consumer complaint received 2018-02-10
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. (CA)

Re : Case # XXXX ( which also see ) Chase has not responded appropriately to this complaint of the erroneous charge to XXXX XXXX for a gift card : 1. ) In my initial disputed charge report by telephone to Chase I was told to contact XXXX XXXX to have the {$24.00} charge reversed. I explained that I had no contact or relationship with XXXX XXXX and that therefore they would have no information about me or basis on which to reverse the charge ; that the error was made by XXXX who would have to reverse the charge, whom I had contacted and whom had not responded, and whom Chase would have to therefore contact for the dispute. 
Nonetheless, I did contact XXXX XXXX, who, as I had said would be the case, had no information about me or my CreditCard and therefore had no way to be able to reverse the charge. 
2. ) Chase sent for me to fill out a form which is irrelevant to the billing error which was made ( as explained to you in the Case # XXXX and above ) and therefore the form is useless for the disputed discription. 
3. ) A representive from the Chase exectutive office, XXXX XXXX ( XXXX ) XXXX XXXX left a message on my ( unlisted, private ) phone on Monday, XX/XX/2018 requesting I return her call. I have subsequently called back leaving a message for XXXX XXXX XXXX times and to date, Saturday, XX/XX/XXXX, XXXX XXXX has not returned my call. 
4. ) I have spend a great deal of time trying to resolve what should have been a simple matter. The bureaucratic run around by Chase has prevented a timely resolution, to wit : That Chase would not follow up in an appropriate way after I fully explained the situation, that Chase continues to deal with the matter in an ineffective if not just plainly incompetent manner, and most of all, XXXX XXXX 's not following up with any resolution and flagrant discourtesy in not returning my calls to her.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OR)

I have had a XXXX XXXX with Barclsys for 4+ years and pay the credit card balance in full every month. 
I recently made my most recent payment ( balance owing ) on XX/XX/XXXX. 
Since that time, the payment has continued to show as pending and has not pulled from my checking account. 
I called again ( for the 8th time ) on XX/XX/XXXX and was instructed by the CSR that we should cancel the old payment and make a new one. I took their advice and made a new payment and received confirmation via email that it was pending. 
I called today, 3 days later and it still shows pending. 
I them waited on hold for 15 mitmutes and transferred to a Manager who then put me on hold for another 15 minutes and finally came back on the line.

I was then told my latest payment from XX/XX/XXXX had to be cancelled to work out a system glitch and I received no notification about. In fact, if I had not called in ( for the 9th time since XX/XX/XXXX ) I would not have found out my latest attempted payment was not processed. 

Ive been with this company for over 4 years, pay my balance in full monthly and would be considered an excelkevt customer. To be treated this way with zero accountability on their end is completely unacceptable.
Consumer complaint received 2018-02-10
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: SYNCHRONY FINANCIAL (FL)

Dear Consumer Financial Protection Bureau, I am making a dispute against Synchrony Bank/XXXX XXXX  for making a hard inquiry I just noticed on my credit report. I was provided a pre-approval offer letter in the store and when I specifically asked if this would affect my credit as a hard inquiry, I was told that it would be a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet. Being that I was considering getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lender on my credit report. Had Id known that this would be a hard inquiry, I would have never done business with this bank.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DRB-40, LLC (MS)

I received a call from Mr. XXXX from XXXX who immediately asked to verify my information ( ssn, DOB, and address ) without informing me who he was. When I asked who I was speaking with, he stated he was from Diversified Recovery. I continued to ask what the nature of his call was he immediately advised that I was refusing to answer his questions and continued to tell me that he was recording the call and it could be used to sue me because I refused to verify my information. He then hung up.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Said company " XXXX XXXX XXXX '' has refused to validate an alleged debt that they continue to report to all three credit bureaus. I have contacted the company back in XX/XX/2017 requesting validation of the alleged debt they claim I owe. Upon sending numerous letters requesting the company send me a ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. Upon further research I have come to the conclusion that a ) this account is closed. b ) the account has been sold to a third party collection agency. Also upon my own research the third party company is not the company reporting on my credit file. It is XXXX XXXX XXXX account number XXXX that is on my credit file.How is this? The account has been sold they are no longer in possession of it. As per FCRA this is ILLEGAL. XXXX XXXX no longer has the debt, it has been placed with a new office. This is unacceptable, first off XXXX XXXX has refused to validate the debt as I requested which is my LEGAL RIGHT, but they are also continuing to attempt to collect on a debt they no longer own. Please be advised that under the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED  CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. Also be advised FAIR DEBT COLLECTION PRACTICES ACT Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgement, or name and address of the original creditor, is mailed to the consumer by the debt collector. Please see attached documents of the validation requests I submitted to both world finance and the third party company as well as the refusal letter I received on their behalf. This is unacceptable and I am extremely unsatisfied with the outcome and response from XXXX XXXX XXXX and there blatant attempt to not follow the law.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

You have on the credit reports that the accounts with : XXXX XXXX XXXX XXXX XXXX XXXX are closed. This caused my credit scores to go down.These accounts were not " closed. '' These accounts were " paid off ''. Please check your records and change my credit report to read " paid in full. '' I have tried very hard this past 2 years to get my credit in better shape and using " closed '' instead of " Paid in full '' are lowering my credit score. Again, please check into this and correct this report. Than k you so very much for helping me with this matter. I do not need another loan, however, I would like for my credit report to show numbers that prove that I have been working hard to increase my credit s ; core and pay my bills in a timely manner. 
Again, thank you for anything you can do to get this information corrected.
Consumer complaint received 2018-02-10
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. (IL)

In my previous complaint ( ID FOR COMPLAINT SENT TO TRANSUNION : XXXX ), TransUnion failed to prove the accuracy of its investigating and its reporting of the Chapter XXXX bankruptcy information on my credit report. 
TransUnion failed to fix the problem because it did not delete ALL of the bankruptcy information it is reporting on my credit report. 
1 ) Pursuant to FCRA, Section 611, a credit bureau must directly provide the date, and name of the person at the court with whom TransUnion verified the Chapter XXXX bankruptcy information reported on my credit report. 
2 ) In its response, to the 2017 complaint number XXXX, TransUnion stated, we do not provide dispute verification responses received from creditors or court records. 
3 ) TransUnion DID NOT satisfy the requirements of FCRA, Section 611.

4 ) Therefore, TransUnion DOES NOT HAVE the LEGAL RIGHT to REPORT A CHAPTER XXXX BANKRUPTCY on my credit report. 
5 ) Pursuant to FCRA 611, TransUnion MUST DELETE such information from my credit report if it can not satisfy the procedural requirements of FCRA 611.

6 ) In this complaint, TransUnion must provide detailed verification information to support the accuracy of the Chapter XXXX it is currently reporting on my credit report. 
7 ) OR ELSE, TransUnion MUST IMMEDIATELY DELETE any BANKRUPTCY INFORMATION that it is reporting on my credit report