davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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)

HI 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 2018-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Over the past few weeks, my mother has called Chase Bank in XXXX, OH to try to fix the problem. She called me ( her son ) not knowing what to do, so I tried calling Chase bank on XX/XX/XXXX to see what could be done. Basically, Chase said " Too bad. Sorry. '' I called the local branch, the general Chase customer service number, spoke with a manager, called back, and more, but no one could or would help.

My mother has been a Chase customer for years. Her husband ( my father ) died a few years ago. My mother wanted to add me and/or my sister 's name to her account to be joint owner, so we could help her deposit/withdraw money, write and cash checks, etc. for her. She is XXXX and has been in a XXXX for years. She can not now even leave the house. She can't physically get out of the house due to her bad back and knees. Chase said that unless my mother physically goes into a local bank branch, she can not have anyone 's name added. We explained that she was not physically able to do so due to her XXXX, but they said that was their policy. We asked if there were any exceptions, if we could bring proof over for them, if someone fromt he bank with a tablet or laptop could go to her house and have her sign something, or any other way, but they said just kept saying that unless she physically enters the bank, she can not have anyone 's name added. 
We considered adding power of attorney to the account, but as you know, this is not the same thing and does not have as much power as joint owner. We tried submitting a legal POA document, but Chase rejected it, saying that it did not have an indemnity clause. I asked it we added it, would they then accept the POA. They stated that we would have to have the lawyer update the POA, then we could re-submit it, and then see if Chase will accept it. If not, we would have to keep trying until Chase accepted it, but they would not tell us what we needed to so to make sure it was accepted. I called the lawyer who wrote up the POA, and they told me that even if we made a new POA today, Chase would not accept it. They told me that they always have problems with Chase accepting POAs from anyone. However, that is just a temporary solution, anyway, as my mother wants another name added to her account, but Chase seems unwilling to even consider accommodating her XXXX in any way. For example Chase told me that even if I was on as POA, I would not be allowed to close the account for her. 
I understand the need for security measures, but she has been a customer there for years, would go to the local branch if she could, but is not physically able to do so. She is willing to do what she is able to do, but the Chase representatives simply kept repeating that if she will not physically enter the bank, she can not get another name added to her acocunt. We are not sure what to do, as my mother is physically unable to enter the bank, and Chase seems unwilling to even considering accommodating her XXXX in any way.
Consumer complaint received 2023-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (IN)

I was sent a bill from collection agency never heard of on bill never seen nor ever contacted about medical bill from collection agency XXXX XXXX XXXX several other names Texas number I think but over XXXX yr old bill said I owed for over XXXX insurance didnt cover 2 dates in XX/XX/XXXX didnt recognize. I had copy dont know where its at right now but know it was not correct I had XXXX XXXXXXXX XXXX XXXX but never sent any bill was lied to last year told XXXX did work retired XXXX hes still practicting. I enquired because XXXX illegally denied me telehealth with primary XXXX yrs Florida had before coming up home Indiana said I would pay out of pocket denied then just stopped my dual health ins said didnt have proper medicaid designt for the XXXX XXXX XXXX
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Myself and the mortgage company have tried contacting Equifax on XX/XX/18 for over 2 weeks and at first they told me that they were having an issue with their system and it was down. Finally in the afternoon when the system was up they researched my name and couldn't find any information on me. Upon receiving the credit report via mail XX/XX/18 I called them back and explained it was not correct ( wrong addresses ) and was told that I need to send in my driver 's license, full name, address and social security card. I can see all three ( 3 ) of my credit reports on XXXX XXXX but Equifax can not find me.
Consumer complaint received 2018-10-12
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: FORD MOTOR CREDIT CO. (CA)

ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name FORD MOTOR CREDIT CO . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
Consumer complaint received 2018-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

PURCHASED ONE MICROWAVE OVEN FROM XXXX XXXX ON XX/XX/2018 FOR PURCHASE PRICE OF {$800.00} ( {$850.00} WITH TAX ). NEXT DAY XXXX XXXX DISCOUNTED THE PURCHASE PRICE BY {$210.00}, FOR A NET PRICE OF {$590.00}, OR {$630.00} WITH TAX. MET WITH XXXX XXXX TO RESOLVE THE DISPUTE AND THEY INFORMED ME THAT THE PROBLEM IS AND ACCOUNTING TRANSACTION ERROR WITH CHASE BANK CREDIT CARD, WHO IS CHARGING ME {$850.00}, PLUS {$630.00} WITH ERRONEOUS ADJUSTMENTS THAT DO NOT REFLECT THE NET ACTUAL PURCHASE PRICE OF {$630.00} ALL IN. WROTE A LETTER TO CHASE ON XX/XX/2018, WITH NO RESPONSE ; CALLED THEIR CUSTOMER SERVICE LINE ON XX/XX/2018, XX/XX/XXXX, XXXXSPOKE WITH AT LEAST 8 PEOPLE AT CHASE TO RESOLVE THE PROBLEM, WITH NO SUCCESS. THEY COULD NOT VALIDATE THE ISSUE
Consumer complaint received 2024-08-29
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (CA)

A supposed law firm has been repeatedly calling me. They say they are from Citibank a company I have never opened and account with or one associated with it. everyday from am until pm I receive phone calls from XXXX, CT phone number XXXX. There message reads this message is intended for -- -- -- -- -- my first name and last from in house processing division. I received an order for you it looks like pending matter unfortunately because I haven't been able to reach you I will be pursuing you at your place of employment. and your case number is XXXX press if you want to speak to a representative or contact us at XXXX. So when I call it they tell me their name is XXXX from inhouse processing for Citibank and I owe XXXX from an account I supposedly opened in 2012. I never did nor did anyone trying to steal my identity because I moniter my credit has never been inquired or hit by any card or loan or mortgage by Citibank. I ask there address the company they are calling from they just say in house law firm and XXXX and when I state I have never had an account or card affiliated with Citibank they tell me I will be arrested and good luck in court in front of a judge and hang up. they have called my brothers house and repeatedly called my mothers residence threatening her they will arrest me. I called Citibank and mortgage they cant find anything related to me or my social security number. my mother had to change her phone number due to the threatening calls this is just not acceptable or right If there is anything you can do to help please do. thank you I have never received one piece of paperwork from these people EVER!!! not in mail in person only threatening phone calls.they have also called from XXXX are code and more.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Experian has lowered my credit rating and I do not have any outstanding debt except a dispute with XXXX XXXX XXXX  in my husbands name and mine. All that is owed is late fees on charges on my husbands credit card. I have sent them a certified XXXX XXXX from DOD XX/XX/year>. His card has not been used. I would like for my credit score to to be reevaluated. Thank you. 
XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I filed bankruptcy and it was discharged 7 months ago. I reaffirmed on my loan with XXXX ( XXXX XXXX XXXX XXXX ). I have made payments the entire time along with their website showing payments continued from XX/XX/17 to current. I went to trade the car in yesterday and the dealer said all the bureaus are not showing that I'm making car payments on the loan in any of the car part of the bureaus. It shows that the car was included in the BK. It needs to show payment history. This needs to be backdated to show I have been making payments. Since I have been working hard to rebuild my credit this is the only thing holding me back from making the trade yesterday that would have paid XXXX off and made me non upside down. Great way to help me get back on track. All that hard work thrown out because someone is not reporting accurately.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
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. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : ChexSystems Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : Request for Removal of Incorrect Phone Number from Credit Report** Dear Sir/Madam, I am writing to formally request the removal of invalid phone numbers that appears on my credit report. The details of my request are as follows : Name : XXXX XXXX XXXX Social Security Number ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Phone Number ( s ) to be Removed : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the correction or removal of inaccurate information on my credit report. The phone number mentioned above is incorrect and should not be associated with my credit profile. 

I kindly ask that you investigate this matter and update my credit file accordingly. Please remove the erroneous phone number from my report and send me a corrected copy once the changes have been made. 

I have attached a copy of my identification ( State ID ) and a bank statement to verify my identity and address. 

Thank you for your prompt attention to this matter. I expect that the inaccurate information will be investigated and corrected within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX **Attachments : ** - Copy of ID - Proof of Address -- -
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

I had an account with JCPenny, the account was not in collection or bad standing. First based on my credit my credit limit was decreased by JCPenny putting me at the top of my credit with that account. After seeing this I paid the account in full. I recently received a letter from JCPENNY stating they closed my account because of my credit score. Again I had paid the account in full and there were no adverse issues with my account with JCPENNY. I am in the process of paying accounts down and off. This is yet another blemish on my report bringing my score down.

Its very disappointing and discouraging when I am trying my best to correct my credit mistakes and creditors can railroad consumers. When I contacted JCPENNY was told they had the right at anytime to review my account and decrease or close it even if I have paid them on time. I stated its not fair and representative said she didnt make the rules.
Consumer complaint received 2018-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PA)

XXXX XXXX first XXXX keeps calling 2x daily and last week I actually spoke to a Human who called and I as them not to call since this is a Government Facility and I don't know who they are trying to collect from? and I keep getting calls daily.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (IL)

I entered into a contract in XX/XX/XXXX for 42 months at the amount of {$60.00} for a home security system through XXXX. Based on this, the contract would have ended in XX/XX/XXXX. Although I was very unhappy with the service, I fulfilled the 42 month contract and paid on time every month until the end of the contract date. I personally contacted XXXX  by phone to remind them that my contract officially ended and that I no longer wanted their service. They informed me that I had to cancel through a notarized letter to headquarters in order to cancel it. I called a total of five times reminding them that the contract has ended and that I no longer needed their service at this point. They continued to bill be until the bill had reached over {$600.00} and then they disconnected the service. I recently checked my credit report which states that I now owe {$900.00}. I sent the collection company a debt validation letter asking for additional information like total payment history/amount paid, which would reflect that I paid until the end of the contract. They did not state how they arrived at the total amount due, just provided me with the contract, which states everything I have been saying. As result, I should not be responsible for the delinquent amount because I fulfilled the contract that I signed and agreed to. I ask that I be relieved from this debt and it should be removed from my credit reports. I will attach a copy of validation letter, letter for demand of payment by Perfection Collections and copy of contract.
Consumer complaint received 2018-05-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lowcountry Credit Inc. (SC)

On XX/XX/2018 I requested validation from XXXX of an item being reported on my credit report in violation of my consumer rights. XXXX has reported that I owe a debt to Low Country Credit Inc. XXXX has not provided proof of any original signed documents with my signature on it. XXXX is required by the FCRA to have a copy of the original creditors documentation on file to verify that this information being reported in mine and correct. It is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA XXXX is required to promptly DELETE all information which can not be verified. Information on who verified the accounts is out of compliance with the Federal Law. This is negligent noncompliance Section ( 617 ) failure to comply! XXXX has embarrassed me with the reporting of incorrect information on my credit report. This violation has hindered me from successfully purchasing my first home. I will take all legal remedies available to me to resolve this violation.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX