davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX # XXXX has violated my rights according to : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 2022-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

Account was added to my XXXX report as a collection. Do not have a XXXX and have never taken out an auto loan out with this company. This does not belong to me. 

When calling agency to remove, they stated all information does not match my information with the exception of them using my social.
Consumer complaint received 2017-01-28
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions (CA)

RE : CFPB Case number : XXXX On XXXX/XXXX/XXXX, a representative from TSC A/R Solutions received an itemized statement to verify the balance due. ( see attached ). Identified as ( XXXX XXXX XXXX ), the itemized invoice and statement clearly and unequivocally states that the balance due from the patient is {$0.00}. 

The debt collection agency claims it is authorized to accept a settlement of 80 % of the balance due ( i.e. {$0.00} ) and if the consumer pays this amount ( i.e. {$0.00} ), TSC A/R Solutions will delete this account from their credit record. 

This is a deceptive and illegal attempt under the " pay for delete '' method, considering that 80 % of the balance due from patient ( i.e. {$0.00} ) is {$0.00}. This has possible grounds for legal action against the debt collection agency for which I may seek legal advice on the matter. 

Furthermore, it is important to note that since XXXX credit reporting agencies ( i.e. XXXX ) have investigated this trade line and have deleted this inaccurate information from my credit report.
Consumer complaint received 2022-11-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

Pursuant to 15 USC 6802 ( b ), the financial institution ( s ) that are furnishing said inaccurate information never clearly and conspicuously disclosed that I have the right for my nonpublic personal information be reoprted to no affiliated third parties, therefore these reports are inaccurate and are causing damages to my personal self, my family, and household. Furthermore, The credit reporting agency never did an investigation with me the consumer to check if these transactions actually took place. Therefore, proper investigations were not met according to federal regulations and these inaccuracies on my consumer credit file are being reported without my written consent to do so. Experian deleted two ( 2 ) accounts that were allegedly investigated and validated, which resulted in the reports being deleted because of their inaccuracies. There is now a debt collection being reported onto my credit file along with a closed installment loan that was deleted and has been placed back onto my file. Experian is being negligent and noncompliant to my requests, as I have been in constant attempts to resolve these matters. I have not received any correspondence from Experian and I have proof to show they removed these accounts from my credit file and have reported them again without the lawful authority to do so predicated upon there being no actual validation of these alleged debts. 

The reports they said they removed have been replaced onto my file and I have taken more injury and damages to my credit file without my written consent or thorough investigations. 

This company has not contacted me and I have not been able to get an agent on the phone to assist me with these matters. I am still awaiting correspondence from Experian, but my file is still taking damages due to inaccuracies being reported without my written consent. 

The banking system is dependent upon fair and accurate credit reports that are equitable to the consumer. These reports are unfair and inaccurate, thus not beneficial to me, the consumer.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

XXXXXXXX XXXX Did not send any paperwork to my address nor was I aware of this charge off, XXXX XXXX did not contact me nor Experian to validate the charged off debt Im accused of and offered no solution before ruining my credit Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXXXXXX XXXX XXXXXXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct

Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me. 
Validate this false charge off it does not belong to me. 
Verify This invalidated account. 
inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (KS)

I am being sued by JPMorgan Chase for XXXX XXXX XXXX ( one I've had for 30 years ). My husband XXXX XXXX XXXX XXXX XXXX  and I'm on XXXX and we didn't have income for a year during the pandemic. I got behind on my credit cards. I called to see if I could pay {$50.00} a month, and they only wanted the minimum payment. I simply couldn't keep up. They are now suing me for the cards. They have locked me out of my online portal so I'm unable to show the judge the true amount of the debt, which they are exaggerating. Their documentation to the court shows only a one page of a statement ( showing balance of {$26000.00} with a minimum payment due of {$4300.00} and the second card showing {$27000.00} with a minimum payment of {$5100.00} ). They submitted little knowledge of the actual debt details and using their corrupt " robo-signing '' to sign off on the account, which is contributing the the inaccurate claims of debt owed. JPMorgan is back to XXXX practices of filing tens of thousands of lawsuits, while only showing an affidavit swearing the truth of Chase 's claims that is signed by a XXXX  employee with little knowledge of the actual details the accounts. This practice of signing off on paperwork without reviewing any evidence is what they did before - when they promised the CFPB to provide better supporting documentation. The provision against Chase expired in XXXX and here we go again and I'm a victim of their practice this time. I would like more evidence. I am looking at filing XXXX  XXXX bankruptcy because of this situation. I would like to resolve this but there is no one to talk to. I've even reached out to their " attorney '', who was very unhelpful, however stated he would send me documentation to verify/prove ( not the one page document they submitted to court ) I went to initial hearing on XX/XX/XXXX and no one showed up on their end, I denied the accuracy of the amounts and it is now set for pretrial on XXXX XXXX, XXXX. I have talked to attorney general as well, and am seeking help from an attorney. Chase is back to it's dirty games.
Consumer complaint received 2024-09-03
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)

THIS INFORMATION DOES NOT BELONG TO ME. IT AHOULD BE REMOVED IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXXthst XXXX to XX/XX/2022 my Chase checking Account started being charged by the merchant XXXX XXXX XXXX My Checking Account was charged a total of {$13000.00}. 

I immediately contacted the merchant company as soon as I noticed on the chase app l the transactions that went out to them. I noticed this on XXXX XXXX after checking my chase app. 

The company was unable to help because they was asking me to verify my identity using a code sent to my email in order to access any records/personal information in their system but it was impossible since I did NOT have an account with this merchant and never used them before in the past. They told be if I believed someone else made a account using my identity that I should immediately contact my bank and let them know. 
I then contacted my Chase Bank right after on XX/XX/2022 and explained to them what had happened. 

They assured me that they will look in to it and not to worry because since the transactions were unauthorized they will be able to help me get my money refunded back to my account. 
After opening a claim with Chase regarding each of the transactions that went out to the merchant I waited and called for an update every day from them. The last time I spoke to someone they told me I will have my funds returned to my account on XXXX XXXX. 
It is now XX/XX/2022 and Chase has closed to dispute without an explanation and havent received ANY of my funds back. I called Chase and was told the reason was that it was authorized by someone through a text message which was confusing to me because I havent received any text message from anyone to verify anything. I asked them for proof of this and they basically said they dont have it. Chase has not provided me anything or any further details regarding this. 

I contacted Chase again the following day and they stated they have sent out a letter but its been XXXX weeks since I filled the claim and I still havent gotten any letters from Chase regarding this unauthorized transactions I reported. 

I also asked to speak to a manager or someone who could be of more help and after being placed on hold for over an hour the call got disconnected. I spoke to my lawyer and my lawyer have advised me to firstly CFPB and tell them everything.I will also be filling some king of police report if necessary. 

I dont know what else to do. My account is now in the negative and I really need help with this situation. I trusted Chase with keeping my account safe as promised in their terms and conditions and they have failed me.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (OK)

Recently, i requested an investigation from all three bureaus of my credit report, and they all said the accounts were verified and 100 % accurate. So I ordered my credit report and found alot of inaccurate, mis dated, invalidated, unverifable and questionable items that your agency didnt make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit bureaus reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681 ( 7 ) method of verification- Description of reinvestigated procedure
Consumer complaint received 2022-11-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company has recreated accounts for a medical debt that should not be on my credit report. They did this previously. I challenged such it was taken off. They have found a way to RE-AGE this bill and place it again on my credit report. I will be taking this to the state attorney office for further follow up. I will need a detail account of this bill to see what is owing and who this belongs to.
Consumer complaint received 2022-11-15
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. (FL)

RE : XXXX XXXX XXXX account opened in XX/XX/XXXX The account status is reporting as " XXXX XXXX XXXX This account was settled for {$5000.00} CASH on XX/XX/XXXX and there have no late payments since XX/XX/XXXX. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the finance contract and the payment history that proves the account status that is being reported and they have failed to provide any evidence as such. I have attached a copy of my Drivers License, a current utility bill and the bank statement that proves this account was PAID in XX/XX/XXXX and the status should reflect as a PAID account according to the evidence I have provided. If you are unable to gather any other evidence to the contrary of my claim ; then you must update the payment status or delete the account in it's entirety.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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.

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...
Consumer complaint received 2015-11-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (MO)

I filed a few complaints with Scottrade and was told that they would get back to me within a few days. Scottrade did not respond - so I am writing this complaint. 

I formerly closed my account as Scottrade but was also informed about the data breach discussed here : XXXXI would like to know why Scottrade is not responding to my complaints about the breach and why Scottrade is the only company not to give additional disclosures about the hacking.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (GA)

Chime Financial Inc Consumer Complaint Division XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : XXXX XXXX Email : XXXX Re : account number XXXX OnXXXX XXXX, Idisputed a charge in the amount of {$160.00} for a service I didn't use when I didn't hear from the merchant XXXX XXXX to cancel the registration. Chime has issued a temporary refund. The merchant then contacted me asking me to reverse the dispute so that they could reimburse me directly in order to avoid {$35.00} charge. 
I agreed to work with the merchant. I then called Chime to reverse the dispute and the agent reassured me that it would be no problem to reopen the case if the merchant did not issue the refund. 
When i called the merchant to process the refund, they said they couldn't locate any charges to issue a refund but they provided me with proof that the order was canceled. 
As a result of that, I submitted a rebuttal to reinstate my account with that amount since the merchant had trouble on their hands issuing the refund. Chime denied my rebuttal even though I have provided email proof from my conversation with the merchant confirming the order was canceled. 

I am disappointed becausethe order is canceled and i need my money. I only agreed to work with the merchant because the agent reassured it would not be a problem to reopen the dispute and get my {$160.00} back on my account. Otherwise I would not have done it. 

To resolve the problem, I would appreciate if Chime could the {$160.00} back on my account since the service is cancelled. Enclosed are my conversation with the merchant confirming the canceled service along with the fact they had trouble issuing a refund since they're not seeing the new charges. 

I look forward to your reply and a resolution to my problembefore seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or via the email listed above Sincerely, XXXX XXXX
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-15
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Universal Account Servicing, LLC (IL)

The weekend of XXXX XXXX I participated in a weekend of classes at the XXXX XXXX XXXX ( XXXX ) in XXXX Illinois. I signed up for additional training at a total cost of {$15000.00} ( financed ) with a {$4000.00} deposit that was to be financed through a third party ( XXXX XXXX XXXX ) at the time I signed up I was not told the contract with this third party had a 3 day right of recessions I would have not signed a with such harsh terms for education. The Tuesday after I made the commitment, I had a family emergency and was unable to participate in the initial introduction call. I spoke with XXXX XXXX who was my POC contact with XXXX explaining that right now this will not be a good time due to my family and new unforeseen financial obligations. He advised that I should contact the third party ( XXXX ) for any recourse, upon contact the 3rd party on XX/XX/XXXX, XXXX I was given a case number # XXXX and told that someone would be in contact with me about what steps I could take to pay for the time I had been in the program although I had not completed any of the courses. 
The next communication I received from XXXX was a notification that my bill was due via text message. I immediately reached out to XXXX and was informed that my 3 days right of recession had passed and they do not offer any refunds. He put me in contact with XXXX XXXX who works as a liaison between XXXX and XXXX who informed that I did not have any recourse all he could do was downgrade my amount owed to {$12000.00} and if payment is not made, I will be locked out of the XXXX system after 30days delinquency and sent to collection This seems to me to be predatory in nature. To be forced to pay for services not rendered I don't think I should be obligated to pay this contact in totality. I did give a deposit but to force to pay {$15000.00} for service that will cause unjust financial hardship on my family does not seem to be fair to any consumer.