davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX  days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Completely out of the blue, I received a letter from Chase stating that they are closing my checking account and credit cards due to unexpected activity. When I called to ask what caused this, they wouldnt/couldnt tell me, saying a different department had made this decision and that is final and permanent with no appeals process. I have no idea what might have happened to make them come to this decision. They had never given me any indication before that there was a problem. Ive never had any penalties and have always paid my account balance in full on my credit cards. Theres no rational reason I can think that they would spontaneously close my accounts, and its extremely frustrating that they wont tell me why. 
The letter was dated XX/XX/XXXX but I only received it XX/XX/2023 and they said I have until XX/XX/XXXX to withdraw all my money.
Consumer complaint received 2023-07-03
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Consumer complaint received 2024-08-10
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)

I have not been able to receive an updated copy of my XXXX and XXXX credit report via XXXX, XXXX or XXXX XXXX because my XXXX XXXX was changed with out my request or authorization. I am extremely concerned because I am not able to retrieve an updated report to double check its accuracy and this is affecting my chance of receiving a home loan in the near future.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (GA)

Since XX/XX/2023, I've sent several letters to Lexis Nexis about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies XXXX I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number XXXX.
Consumer complaint received 2023-07-03
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 XXXX XXXX
Consumer complaint received 2023-06-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

I have been working with my mortgage company to keep my house. And I was just informed that my house is suppose to go up for auction in aug..no one has told me anything..it is court documents I have never been served..never appeared in court..nothing..Midland mortgage is doing some underhand things. I need answers if my house is in foreclosure why do I not know about it. Why am I going thru all of these hoops for Midland mortgage. I am so upset. Someone needs to contact me asap..
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

TD bank deposited my retirement pension in someone elses account and has failed to return money to depositor and therefore bakery and confectionary union can not issue another deposit. I have spoken to them 10 times to get this straightened account but no action taken on their end.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Recently I found an incorrect Bankruptcy record reporting on my credit file. I filed a dispute in writing and went a step further and contacted the Bankruptcy court of record in an attempt to sort out this error. I was referred by the clerks to the Office of Criminal Enforcement for the Executive Office for U.S. Trustees, whom I contacted several weeks ago. Last week I received a letter from your firm informing me that the Bankruptcy information was verified. Now, Today I received a call from an investigator in the Office of Criminal Enforcement, who informs me that the information YOU have verified as accurate was INCORRECT.

Based on the information provided by the investigator it appears that YOUR firm never contacted the Bankruptcy court, never verified or validated the information disputed and is in violation of the FCRA. Since it now appears quite clear that your VERIFICATION is erroneous and you NEVER contacted the Bankruptcy court in the first place, I am making a direct demand under 15 U.S.C.A. 1692g ( b ), that your firm provide the following VALIDATION of information regarding HOW and WHAT you are reporting on my credit report in regards to this erroneous Bankruptcy.

Please supply the information below so that I can be fully informed : The name and address of the Court Clerks office contacted for verification.

The Phone and Fax numbers of the Individual or Department from whom you obtained this information.

Provide standard procedure for verification and validation of disputes filed under the FDCPA and FCRA.

Provide me with a COPY of the information that this Court of Record has provided to YOU in regards to this erroneous verification of the disputed Bankruptcy.

You have 5 days to acknowledge in WRITING the receipt of this 15 U.S.C.A.

1692g ( b ) dispute and 30 days to provide the information requested above.

If you can not or choose not to pursue this matter, provide me with a written notice of ITEM DELETION of the Bankruptcy Record in question within the next 14 days.
Consumer complaint received 2023-07-03
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my XXXX  still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX  accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my XXXX XXXX, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma (NY)

I have several cards that have been reported stolen and used by pay by phone debits I haven't authorized XXXX nor credit karma and XXXX.to my refunds they never sent me a check either. This dates back to the last two years. They informed me I would be receiving my account funds immediately then said I had to go to the merchant for verification and never received anything. Totaling over XXXX. I made several complaints to the companies I also filled out a form with the police. I think it's a fraud scam being ran.
Consumer complaint received 2023-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I was in the middle of floating on a river my mother ( also my XXXX  XXXX ) calls Me in a panic and tells me that someone from XXXX XXXX called and also stoped into the XXXX  and let her know that in 45 mins our power is scheduled to be turned off due to missed payment. Now mind you all our bills are on auto pay. She tells them XXXX  gon na have to have her daughter call them she tells me the number they called off and also the number I can call to make a payment This is the number they called from XXXX This is the number they told us to call back XXXX And gave us a ticket number to gave XXXX The guy that came in was just a normal guy with a XXXX XXXX shirt on. 


I called them they had the XXXX XXXX automated system sound and voice on their phone like they recorded it before. I argued with the guy about my bill he said he had to look into my file ect. Said I owed XXXX for two months and I had fees from being late.. 

Said I had to bill pay it online I had to Zelle itI did that. They tried to get more money out of me. I realized it was a XXXX scam. Started arguing with them they came out of character. Wouldnt give me my money back My bank wont do anything about it because I zelled it but its so messed up they were convincing. XXXX
Consumer complaint received 2023-06-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (NC)

I received 28 phone calls from SST ( Systems and Services Technologies , Inc ) fromXXXX XXXX 2023 until now. From Monday XX/XX/ 2023 until today Saturday XX/XX/2023 I received 21 Phone calls. I have screen shots of the call log as evidence in my phone. I have answered and there is no one on their end that answers. The last time they did this as an attempt to collect ( which I have paid ) the employee was very professional and told me that they will stop attempting to call me. Well that was a blatant lie. I am usually on time with my payments however have fallen on some rough times which was explained previously. SST Maliciously calls and harasses those indebted to the company. I finally called back and told them to quit calling, I was filing a complaint with CFPB and that any further contact via phone I would file a lawsuit for harassment. They continue to call and block up my phone which I use to run my business. 

Call Logs : Monday XXXX XX/XX/ 2023 XXXX XXXX XXXX XXXX ( answered, no one on their end ) Tuesday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX Wednesday XXXX XX/XX/ 2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thursday XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXXXXXX Friday XXXX XX/XX/2023 XXXX XXXX ( declined call ) XXXX XXXX XXXX XXXX XXXX XXXX  ( declined call ) Saturday XXXXXXXX XXXX  XXXX ( answered, no one on their end )
Consumer complaint received 2023-06-25
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: LEXISNEXIS (LA)

I keep getting rejected for insurance and credit cards because they are reporting unverified items and now they are refusing to verify anything and keep saying they can not find my file.
Consumer complaint received 2023-06-24
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: SYNCHRONY FINANCIAL (LA)

I reviewed my Consumer Report and noticed that I have two late payments that I was never late on. After I received my consumer repot Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : SYNCB/XXXX, account number : XXXX Please investigate and provide proof with statements showing that these payments were late. If can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks,
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I was tricked into signing up for Transunion 's credit report service because they advertised it as if it's free. This service charged me {$24.00} a month all the way until XX/XX/XXXX when I found out and canceled it using their website self-serve tool. No refund option is given on their website.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MI)

I have been a valued client of XXXX XXXX  since XXXX, pay timely payments. My information was used without my permission to close the account I had my account scheduled to be paid by XXXX XXXX, and set up on the XXXX  plan.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023 I received a letter from Synchrony bank that I was overdue in payment of my credit card. I was totally surprised because not only did not have a credit card but I never heard of this bank before. Next day I called the bank to explain that I have no idea what was that all about since I never had an account with them and did not know that the bank existed. 
First they told me that they had all my personal data, very scary, but they will take care of the mater promptly. On XX/XX/XXXX I received a letter from them to inform me that my request had been " denied since the goods were shipped to my address and I benefit from it ''. 
Whoever wrote this letter was lying, because I had never received any such items and if they were indeed shipped to my address I would have been aware of it. 
There was no effort from the bank, to my knowledge, to protect my credit information and find out who was the perpetrator and turn him to authorities. 
I am a XXXX year man I never have defaulted to any my account in my life and for sure not for {$110.00}. 
To add insult to my injury they send me a new credit card!
Consumer complaint received 2024-08-10
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. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.