davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

My debit card was cloned after my last use at a cafe at XXXX XXXX XXXX, my debit card was used at a currency exchange location multiple times the same times as i was on my flight, i reported the activity upon seeing the charges and filed a police report. Chase wont refund me my money. 

I was at XXXX XXXX XXXXXXXX XXXX My last authorized charge was at XXXX XXXX XXXX XXXX XXXX XXXX for {$14.00}. 

After that charge XXXX XXXX did a currency exchange charge of {$770.00} plus a foreign exchange rate adjustment of {$23.00}. 

Then another XXXX XXXX currency exchange {$630.00} plus a foreign exchange rate adjustment of {$19.00} on XXXX this second charge was made after i had already reported the problem in person at chase bank in XXXX XXXX XXXX XXXX and card was supposedly suspended. 

I filed a claim and showed copy of police report and they wont honor the claim, i am retired and can not afford to lose that money, i rely on this little amount of money from my retirement to survive
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (IL)

I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.
Consumer complaint received 2024-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (TX)

This hospital committed insurance fraud when I came into the XXXX  and billed me for a patient stay, up charged my XXXX XXXX for a high level when I had nothing more than a XXXX XXXX They lied about the services rendered and lied about doctors they say I saw and when. I wasnt there overnight. I signed out XXXX. 

This is the second time this hospital has done this. I reported this fraud directly to my insurance company and they forced the hospital to resubmit the bills and demanded to be refunded. However they are still billing me for this. My insurance company said I owe nothing. I provided the hospital and the debit collection company with the bill, letters, and the explanation of benefits. They refuse to fix this. I have report their fraud to the department of justice as well.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-25
Product: Credit reporting 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)

XXXX. XXXXXXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX  XXXX, XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-25
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-21
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Simon's Agency, Inc. (NY)

Negative information appeared on my credit file XX/XX/2020 in the amount of {$500.00}. On XX/XX/2020, I called the collection agency, Simon Agency, and  spoke to them to find out why, as I had never had any communication from them and had no idea who they were. They said it was a hospital bill for my son, dating from the previous spring that had not been paid. I explained that my son had insurance and I had called the hospital and given them that information several months prior. I also explained that I was not there and had not signed anything at the hospital, and my son had given them his insurance card when his ambulance arrived, I only arrived in time to take him home. The collection agency told me that didn't matter, however they did take his insurance information and said they would put it in dispute. 
I called the agency XX/XX/2020 to follow up was told the matter was not cleared up and I needed to be patient due to COVID-19, but they felt it would be resolved and removed soon. 
On XX/XX/2020, I pulled my annual credit report and was surprised to see the collection agency had verified the collection account on XX/XX/2020. I called them again and said it needed to be removed at this point as it had been far more than 30 days that it had been in dispute, it was not my debt, it was covered by insurance and they were wilfully hurting my credit. They told me they were going to wait to hear from XXXX XXXX 's billing department, and it did not matter how long it took. I explained that the law gives them 30 days and I had gone beyond that as requested, however, it now needs to be resolved. They passed me to several people, none helpful, then sent me to a voice mailbox.
Consumer complaint received 2024-07-25
Product: Credit reporting 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. (VA)

I am writing to dispute the following information that appears on my XXXX, Experian, and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Multiple inquiries were made on my credit report within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple inquiries, all within XXXX day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately.

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (FL)

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you still provide inaccurate information about a couple of XXXX  that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why YOU is still reporting this information to the credit bureaus. I have already spoken with the courthouses in which these bankruptcies were filed. I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these XXXX  from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

XXXX  - XXXX - According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (TX)

This account is closed but still showing Collection/Charge-off as a payments status and {$710.00} past due plus account remark as " Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. ''
Consumer complaint received 2024-07-25
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that the accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested Verification of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : *Federal Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.
Consumer complaint received 2024-07-25
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. (OH)

I looked at my report back on XX/XX/2024, and I noticed things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX XXXX ], [ XXXX. XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not complete and it's not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

XXXX XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. 

I sent letters on XX/XX/XXXX, asking them to reinvestigate these accounts. 

I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 They also violated 15 USC 1681i ( 5 ) Can you look into this matter
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I had an account with XXXX XXXX  I paid the XXXX settled the account was closed a year later this company portfolio recovery was on my credit report and said I owed them XXXX recovering a debt from XXXX XXXX  witch is confusing because I paid and closed out the account a year prior I asked portfolio recovery for them to prove I have an account with them with my address and signed signature and they have not sent this. I dispute it off my credit report and it gets removed but then I go back on my credit and it appears again I asked the credit bureau why this is happening they said is because they have my information and keep putting it back in my credit report and thats going against my fair consumer reporting act.
Consumer complaint received 2024-07-25
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. (CA)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX