davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that does not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION (NJ)

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health  issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Consumer complaint received 2020-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

Macy 's offered a phone settlement for a debt but did I did not accept it if it would harm my credit score. They did not give me a written statement about what a charge off account is. They did not inform me that I would be unable to speak with there credit card reporting service department. And they made me believe that if the debt once paid on my Macy 's card that they would remove the inaccurate information on my file. Well, none of these things happen. The Macy 's executive office incorrectly believes I signed a settlement offer, which I did not. And the information provided to me by Macy 's has been false. 

I would like Macy 's to investigate whether I signed a proper settlement, that I was informed of the consequences on my credit report and that they followed correct protocol. 

I hope that they provide all the information from this investigation to me regarding the situational " acceptance offer '' of a settlement offer which I never accepted.
Consumer complaint received 2020-11-28
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)

According to CFPB Ref No : XXXX and XXXX, XXXX sent a request to delete the hard inquiries, dated XXXX XXXX, 2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XXXX XXXX, 2020, Experian still reports falsify information about these hard inquiries.
Consumer complaint received 2020-11-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERIS BANCORP (FL)

Closed / settled account falsely claimed as open and overdue. Ameris Bank is falsely claiming I have an overdue account with for an Auto Loan with account number. It was resolved on XX/XX/2015. Payment was made to XXXX XXXX XXXX XXXX and I have a copy of both the invoice, the payment receipt, and the settlement offer. 

It appears this account may be a transfer from XXXX XXXX as the account was originally opened with XXXX. I suspect at some point during their merger they reactivated my account and started falsely impacting my credit.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Sir/Madam, This is becoming a nightmare for me. 

I have applied for a credit card from XXXX XXXX department store. They declined it saying I have insufficient credit experience. They declared that on information obtained from Experian credit reporting agency. My credit score is XXXX based on my Bank report. 

I am trying to contact Experian and I am getting only only recorded messages an NO ONE IN THAT AGENCY WILL TALK WITH CUSTOMERS. EVEN IF THERE IS ANY FRAUD THERE IS NO WAY WE CAN FIX IT WITH THEM. 

What kind of credit reporting agency they ARE RUNNING? They are sending a NEW PASSWORD AND WHEN I AM ENTERING IT, IT WILL NOT WORK. Based on their false information I am denied credit with XXXX..
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I send an accuracy investigation letter to all 3 credit bureaus last month for an account that shows up on my credit report for XXXX Account # : XXXX XXXX  quickly deleted this account as they can not validate this debt. the other 2 bureaus have left it on..I have done research and if it is deleted by one it should be deleted by all 3 bureaus as they should communicate this information amongst each other ... ..If XXXX  could not validate this debt and removed it the other 2 bureaus can not either and this needs to be deleted by transunion and XXXX immediately.
Consumer complaint received 2020-11-25
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. (FL)

Ive contacted Experian multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Experian credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.
Consumer complaint received 2020-11-25
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)

While studying my report I have come across a number of mistakes and inaccuracies that the credit bureau, XXXX, XXXX, and TransUnion, are reporting. I have disputed the unverified discrepancies on my credit report, with all three credit bureaus, XXXX, XXXX, and TransUnion, multiple times and have not received any proof of a copy of any original documentation, a consumer contract with my signature on it, and the original creditors documentation on file to verify that this information is mine and is correct.
Consumer complaint received 2020-11-27
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: EQUIFAX, INC. (AZ)

I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize ; then again on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. This is not a delay ; this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within XXXX days. There is no good faith effort by any of the bureaus to resolve anything. There also was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-11-25
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)

I contacted CFPB earlier about this issue with Trans Union. You gave me the complaint ID XXXX. TransUnion claimed they got some bankruptcy information from a court in XXXX, FL. I wrote this court and they stated they never gave this information to TransUnion. 
I will include the letter sent to me by TransUnion and also the letter from the court.
Consumer complaint received 2020-11-25
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

Experian provided a response to complaint XXXX which states " Please note that a re-investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the re-investigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. " On XXXX XX/XX/2020 I attempted to dispute several inaccuracies. The system prevented me from doing such claiming that because I had previously filed disputes for the items before that I would not be able to dispute the same items without " documentation. '' For example, one ( 1 ) item Experian is claiming that results of a prior dispute conducted in XX/XX/2020 prevents subsequent disputes of information for the same account/tradeline without documentation. That is they are preventing dispute of information such as payment history for months beyond XX/XX/2020, claiming that the data furnisher provided automated information through the eOSCAR system. This logic is flawed as credit files are not static and have been historically prone to error. 

Experian only provides a limited set of the dispute reasons to select from. If it is not prefilled, indviduals are required to dispute using " other. '' What Experian is providing prefilled dispute reasons for items that may be verified and validated using automated reporting through eOSCAR and forcing non-prefilled reasons to be marked as other. This " other reason '' is how they are forcing individuals to provide " documentation. They are intentionally slowing down the ability for consumers to dispute inaccurate information if it requires them to actually review information. The set of " other reasons '' is infinite. So, again, they are intentionally abridging the right of notice and opportunity to be heard to mitigate an " undue burden '' on their organization. That smells of a due process violation under the FCRA. 

So, while congress and the CRAs outline provisions to check credit reports weekly during the pandemic, Experian is preventing exercise of those provisions or the provisions outlined under the FCRA prior to the pandemic. They are effectively abridging my due process rights to dispute information and insisting that there is a causal connection between the results of a dispute from prior months and the accuracy for any subsequent information disputed if it can not be verified through their prefilled automated eOSCAR reporting.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Yes usaa is not helping me with a. Charge for merchandise I did order overnight and never received as a full tome Rv this is not uncommon and financial institutions need to be more attentive to their customers and the merchants the amount in dispute is XXXX never received a permanent credit in fact a reversal case XXXX
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I tried to make a wire transfer for {$20000.00} and the bank cancelled it for security reasons. 
When I called to have it unfrozen, they asked to verify my identity with questions. Some of them I could answer, some I couldn't because the pandemic and subsequent quarantine caught me in XXXX for family reasons and I do not have all my records on hand. 
That caused them to freeze my online access to my account. After countless hours on the phone, I have not been able to resolve this issue because the only way left to do that is for me to visit a XXXX branch, something that is impossible for me right now. 
I'm an older adult and will not be flying anytime soon. 
This means I lost the opportunity to invest the money I tried to wire, which cost me money, plus all the inconveniences it entails being abroad and not having access to my account, not being able to review my balance online as I have done many times when traveling, and not being able to help my son with wires I had been arranging before this freeze. 
My son is also being affected financially by the pandemic and temporarily needs my help.
Consumer complaint received 2020-11-27
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: AMERICAN EXPRESS COMPANY (PA)

I applied to american express business card. It never stated they would perform a hard inquiry on my credit. It stated there would be no affect to my credit score. After i submitted the application a hard inquiry was performed and i was denied. This is misleading business tactics.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

Experian is allowing XXXX XXXX XXXX to report past due balances on my credit report when the account in a Chapter XXXX. Experian is reporting a balance of {$270.00} and late payments for this account. I have disputed this account at least 5 times and Experian refuses to remove it or make the creditor report a {$0.00} balance like all the other creditors in my Chapter XXXX.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank says I have a bank card with a {$6000.00} limit. They said they know this through credit reporting. I do not have this card. " They '' XXXX from level support 2 told me to cancel it myself. I have other credit cards so I do not know why this is the only one they are " monitoring. '' This is a fraudulent card. They said I opened it up in 2018. I did not open up any credit cards in 2018. I also have a temporary credit freeze for new accounts. They say it is a CBNA card. They say there is {$180.00} on the account. The number I called is XXXX at XXXX XXXX this morning XXXX.
Consumer complaint received 2020-11-25
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (TN)

On XX/XX/2019, XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, CREDCO add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian continues to report this inaccurate, unverified account on my credit report which is not reporting on my other credit bureau and creditor continues to not show verifiable proof that account belongs to me. Experian continues to report this information which is hindering my ability to have similarities in my credit score among the bureaus. They are not able to substantiate this information as it has not been verified and needs to be deleted under federal law of the fair credit reporting act.