davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WI)

on XX/XX/2018 I noticed that my credit report included a collection amount and a late payment record for Diversified Consultants , Inc . I have never heard for this company nor received any notice of debt. 

On XX/XX/2018 I called Diversified Consultants to Inquire. I was told that the bill was from last year thru XXXX XXXX XXXX from a " XXXX XXXX ' in the amount of {$560.00}. I was completely paid up with XXXX XXXX XXXX and have not used their service for over a year. Diversified Consultants allegedly had been sending letters to my old address, which I never recieved. 

The agency could not or would not provide me any information with what the debt was for or when it incurred. I indicated that I wanted the contact information for XXXX XXXX XXXX and they refused to give me the information. I told them I wanted to record the information, and they indicated that I was not allowed to record the conversation. I asked for them to please send me information to my new address regarding this debt. 

On XX/XX/2018, I also emailed Diversified Consultants and formally asked them to validate the alleged debt from XXXX XXXX XXXX. 

On XX/XX/2018 I was emailed by Diversified Consultants by XXXX ( no last name was provided ). XXXX had attached a bill from XXXX XXXX XXXX. The bill did not include any information, nothing about dates or what the debt was for, except for the amount due. 

On XX/XX/2018 I wrote XXXX back and again asked her to send me details of the debt. 

On XX/XX/2018, I received a letter in the mail from Diversified Consultants demanding I pay the debt. They also included a copy of XXXX XXXX XXXX bill, which again contained no information except for amount due. 

On XX/XX/2018 I called Diversified Consultants and spoke with XXXX XXXX ( spelling ). XXXX informed me that they already sent a credit validation letter to me. I let him know again that I was requesting information about his debt. 

On XX/XX/2018 I emailed customer service again asking for details on the debt. 

To date, I have not received any information on what this debt is for, yet I am getting harassed to pay a bill. Diversified Consultants also reported false information to the credit bureaus " late payments '' and " delinquent accounts '' Diversified Consultants never provided me with any information on how, or even that I could, dispute this debt. 

Although the company is well aware that I am in need of more information about this debt they have not provided me anything. They will not give me information to contact XXXX XXXX XXXX myself, they will not let me record the phone calls I have with them, and they continue to keep false information on my credit report
Consumer complaint received 2024-08-20
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (IL)

In XX/XX/2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

I was notified by mail On XX/XX/XXXX that a writ of garnishment was being filed on me. I do not know who the original creditor was. The letter seemed to be from the XXXX XXXX County Clerk of Court in XXXX XXXX, FL. The amount that is being garnished from my account is {$2000.00} dollars. The letter stated that I had 20 days to reply to the letter before any action being taken. Along with the letter was a claim exemption form that I needed to fill out and send to the Garnishee ( My Employer ) and the Attorney for the Plaintiff which I did within the given time frame. 

I received a second letter that was dated five days later stating that the garnishment went into effect immediately without them waiting for the given time frame to expire and without getting my response or claim exemption form first. As I checked my pay stub, it shows that my paycheck was garnished {$240.00} for the pay period. I am furious, and disturbed that this can happen to the head of a household that earns less than {$750.00} per week. I need help and answers. The Plaintiff that is garnishing my wages is XXXX XXXX. 

* To further make matters worse, the correspondence that was sent to me has my first name misspelled. This may not even be a debt that I owe or that is even my own.
Consumer complaint received 2018-07-31
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. (FL)

Previously I have filed a dispute with TransUnion Credit Reporting service, they failed to properly investigate and verify the entry from XXXX XXXX # XXXX. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items. It appears that TransUnion is rubber stamping what has been placed in their files without verification. 
The original entry was from XXXX. XXXX has stated that they removed the entry on XX/XX/2012, yet XXXX has never updated their entry. Transunion has never verified the entry with the source. 
XXXX  has never replied to my specific request for verification. They sent me a copy of the original XXXX invoice for {$60.00}. No verification. I cancelled the service because it did not work, I had no signal strength. 
XXXX is attempting to use the Credit Reporting system as a collection technique. No specific response to my denial of the debt was forthcoming as of this date. My only source of current information is seeing their name on my credit report. The above is a scheme preying on consumers.
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (PA)

I turned my leased vehicle in and was told I owed nothing. Shortly after, I began to recieve phone calls during my work hours about my account. I asked the representatives to call me at a time more convenient for me to discus but those calls never came. I then recieve a statement while I was out of town for business. Indicating that if I did not pay a delinquency would be reported toy credit. Before I had a chance to resolve the balance a delinquency was reported. This is now affectiving my work because I am required to maintain certain licensing that had credit requirements. I am also in the process of purchasing a home and this has had an adverse affect of that process. I called XXXX and explained my situation to them. I requested that they remove the late payment and offered to pay the bill in full immediately. I was told they could not help me and I was told by an agent that they tried calling me several times and I was hanging up on them ( which is not true ). I was able to escalate to a supervisor who offered no help. He said it's my responsibility to pay the bill and that he would do nothing.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I deposited 3 checks on my chase checking account ... 1 it was for XXXX  XXXX XXXX XXXX {$2.00} check was for chase credit card XXXX {$3.00} check was on my name XXXX ... after 2 days ... my available balance it was XXXX .... I start making payments to XXXX XXXX XXXX XXXX {$20000.00} to chase credit card ... and others pays ... in 2 hours my account was overdraft XXXX .... for more then a month ... I dont have any money and all my direct deposit checks from my company ... goes directly into this checking account ... 
... I start taking money out of my credit cards with higher apr ... just to be able to survive and pay everything on time ... 
called chase several time and no one has an explanation about the error on my account and how the checks got cleared even if they werent made for chase checking account .... I need legal advice and I want to solve this problem before I lose everything ... money, house, credit ... 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ID)

On XX/XX/22, I had a {$100.00} charge " XXXX XXXX, '' which paid for my Global Entry fee renewal. XXXX of the benefits of the American Express Platinum card is a refund for paying the Global Entry fee. Per AMEX 's Terms & Conditions, the charge would be credited within XXXX weeks of posting. Here is the language, directly from AMEX : If you do not see a credit for a qualifying purchase on your eligible XXXX after XXXX weeks, simply call the number on the back of your XXXX. XXXX XXXX are responsible for payment of all application charges until the statement credit posts to the XXXX account. 

Unfortunately, over XXXX weeks have passed ( actually XXXX weeks ) and I have yet to receive my credit, even after contacting AMEX XXXX regarding the issue. 

All I am asking for is the credit on my account ASAP, which is what AMEX promised to do in their own Terms & Conditions.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam : I am writing to address the late payments reported by your company on the following date : XX/XX/year> According to 15 USC 1681 ( a ) ( 2 ) ( A ), my consumer report should not include information that solely relates to transactions or experiences between the consumer ( myself ) and the person ( you ) providing the report. Payment history and the late payment entries are part of the transactions and experiences between your company and me, which negatively affect my credit report.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 USC 1666 ( b ) ] you have in place to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Additionally, please include all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the receipt of this letter to provide me with the requested information. If you fail to provide this information within the given time, it will be assumed that you can not verify the late payments on the specified date ( due to a lack of reasonable procedures to ensure the accuracy of my account ). Therefore, I request that you remove the late payments from my account and update my consumer report to positive with the relevant credit reporting agencies ( XXXX, Experian, XXXX, or any others applicable ). 
Additionally, please verify all inconsistencies I have sent to you with the three credit bureaus, which are attached and highlighted in red for your reference. 
Please send any updates regarding my account to the address below. Thank you for your attention to this matter. I look forward to a favorable response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Sir/Madam : I am writing to address the late payments reported by your company on the following date : XX/XX/year> According to 15 USC 1681 ( a ) ( 2 ) ( A ), my consumer report should not include information that solely relates to transactions or experiences between the consumer ( myself ) and the person ( you ) providing the report. Payment history and the late payment entries are part of the transactions and experiences between your company and me, which negatively affect my credit report. 
Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 USC 1666 ( b ) ] you have in place to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Additionally, please include all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the receipt of this letter to provide me with the requested information. If you fail to provide this information within the given time, it will be assumed that you can not verify the late payments on the specified date ( due to a lack of reasonable procedures to ensure the accuracy of my account ). Therefore, I request that you remove the late payments from my account and update my consumer report to positive with the relevant credit reporting agencies ( XXXX, Experian, XXXX, or any others applicable ). 
Additionally, please verify all inconsistencies I have sent to you with the three credit bureaus, which are attached and highlighted in red for your reference. 
Please send any updates regarding my account to the address below. Thank you for your attention to this matter. I look forward to a favorable response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # : XXXX
Consumer complaint received 2018-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

There a few companies involved in this issue. I've never felt so frustrated in my life with any company and I truly mean it. My friends and I decided we wanted to go to XXXX for a mini vacation. My friend found a good deal on XXXX. I was booking for my friend and I and the flight we chose was XXXX, unfortunately. When I went to finalize my trip, it did not go through because I supposedly did not have enough funds in my account. I couldn't understand why. I did have enough money on my account. I then check my BOA account and realize XXXX and XXXX were holding funds before I was able to even book, hence why it said I didn't have enough money. At this point I have tried to book about 5 times over the past 2 weeks and it has failed. That was the first issue. After countless hours on the phone trying to resolved this issue on the phone, which they couldn't help with because I didn't have a confirmation number or ticket number. I decided to give up on booking. As of XX/XX/2018, XXXX is STILL holding {$390.00}. They are holding funds for something that I don't have. I never booked, I don't have any record from their end, all I have is BOA holding funds from a merchant who is XXXX. I've called and even have cried on the phone because I'm so frustrated. This whole process seems super illegal to hold someone's funds without authorization. I have XXXX yr old daughter who needs groceries and I need to pay my bills and they have not been helpful AT ALL. NOT Bank of America, NOT XXXX and specially not XXXX. I feel so helpless and upset that no one cares. XXXX does not want to release my money and says that waiting is part of the process that is totally unacceptable. BOA is not willing to help either even though they are my bank and know the situation. No ones has gone over and beyond to help me. XXXX also has a " sketchy '' partnership with another agency because XXXX mentioned they tried calling and the automated system wasn't even English, it was a foreign company. PLEASE HELP ME! Obviously money is these companies only concern not their clients. Please help me teach them a lesson.
Consumer complaint received 2024-08-20
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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (KS)

Bottom line up front : JP Morgan Chase refuses to unlock my account while I am XXXX XXXX. 

XX/XX/XXXX : I attempted to open a business account with JP Morgan Chase while I was XXXX, and it appeared to be approved. 

However, I just found out today ( XX/XX/XXXX ) JP Morgan Chase has now restricted my account. I supplied them all of the information they needed including the title ( XXXX XXXX XXXX XXXX and the XXXX ) ; after being on the phone with multiple customer representatives, I was told that the only way I could unlock my account is to go down to a local branch and prove my identity ( nearly seven times ). I told them that is not possible because I am XXXX, but they continue to tell me to go down to a local branch ( there are no local branches in my XXXX area ). 

As of right now, I am XXXX XXXX  and have no way to pay my credit card balance with JP Morgan chase, and obviously, this will adversely impact my credit card score. I had no idea opening a business account would trigger my account to be locked and think it is insane they are asking me to fly back to the states -- during my XXXX -- to resolve this issue. 

Can you please help me?
Consumer complaint received 2022-05-05
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. (TX)

I have disputed with Experian with unauthorized inquiries numerous times and they have ignored my concerns. I have asked them to delete these from my credit report and they have not. I have sent them an AFFIDAVIT OF FRAUDULENT INQUIRY on XX/XX/2022 and they have not sent me the paperwork I have requested nor deleted this from my credit report. These are the following companies I need off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

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