davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC. (CA)

XXXX I paid in Full to " NCO Financial System Debt collector '' for Creditor XXXX and advised me to keep my receipt due to during that time Collection agency, attorney and banks were involve in embezzling, scams, frauds and charge clients double amounts, On XXXX XXXX Law represent " NCO Financial System '' stated judgement were made on XXXX for same Debt account, I called and faxed settle Paid in Full and account was close on XXXX. few days later I called them back to confirm if my document was received and was confirmed and not to worry, not knowing why I keep receiving same Debt so I consult with another attorney, On XXXX I received another judgment, Garnishment/Levy to my Bank from same attorney XXXX , I again called their office and faxed receipt from NCO on XXXX, I was told if I did n't get a call back from them means no actions would go forward and not to worry, so I thought everything is fine and did n't take my money. 
since Year of XXXX I had XXXX due to XXXX at work, being abusive at home from my ex husband n take care of my children leads to divorce in XXXX n final divorce judgment order from Judge to sell my home in XXXX, I closed my account in XXXX n found XXXX garnished total mount of {$130.00} + {$4800.00} plus {$50.00} non refundable from my checking in XXXX! I have copy of the garnishment from bank, XXXX I called the Law Firm multiple times to request my money back and again fax my document. 
XXXX my call got transfer to XXXX, he told me if they did n't do anything in XXXX then why now? and is too late cause of legislature and why wait 10 years and he not longer work with NCO Financial, I respond I texted and what their office told me ( attachment attach ) I respond 10 years ago I send and faxed my proof and told they have my document and not to worry which he ignore in XXXX because he want my money is like I 'm been Robbed, I felt he took advantage of me due to his profession as attorney and not communicate with his client and took my money for himself. I felt violated and victim of scam after I Paid in Full t rob me, I am requesting my money back plus what I been through with this account.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MT)

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Consumer complaint received 2015-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (IA)

I applied online with XXXX bank and after applying was told I needed to take in or mail a deposit if I wished to continue with opening the account. I never paid a deposit to open account but they are reporting to chexsystems I owe XXXX on a account I never finished opening. I can not contact chexsystems online website has internal errors. I need to get my name and this account removed.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

This pertains to Chexsystems. I have disputed these accounts for XXXX XXXX XXXX and XXXX Bank through the Chexsystems dispute process, that show me either owing a balance or having paid a delinquent balance. I have never owed either institution any money and have closed both accounts years ago, yet they still show up on this reporting service as " charged-off '' or charged-off but paid in full. 
As a result, i am unable to open a new bank account and I want these fraudulent entries deleted from my Chexsystems report.
Consumer complaint received 2015-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXChexSystemsConsumer RelationsXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXXGreetings : I am writing to you to complain. Entries posted to my ChexSystems consumer credit report from 2012 are inaccurate. ChexSystems recommends this venue, publishing this website as the means in which to resolve disputes on my report. 

There are XXXX entries to address. Those are : XXXX, XXXX XXXX and XXXX. Each filed derogatory remarks with Chex Systems in 2012. At that time, I had a lawsuit filed against XXXX XXXX, XXXX, XXXX and XXXX. The lawsuit acknowledged numerous attempts to clear allegations printed in my reports. Inaccuracies were corrected from the evidence submitted, yet repeatedly reposted to my reports. As a XXXX person, I retained an attorney, XXXX XXXX. He claimed I would receive all but XXXX dollars to cover costs and fees to file. However, XXXX kept XXXX of XXXX of my settlement money paid by these defendants and, ChexSystems was not involved in the lawsuit. 

Again, I have no buisness with XXXX, XXXX XXXX, or XXXX. The alleged " account abuse '' made by XXXX XXXX and XXXX in 2012 are mistakes. XXXX XXXX wired funds to XXXX after I had cancelled a transfer and closed the XXXX account. XXXX XXXX personnel were to have reversed the entry to correct the the mistake when it occurred. An XXXX account has not ever been opened in my name as far as I know, nor have I ever communicated to, or received anything from this company. 

Recently, I notified the FTC of my concerns relating to compromises to my accounts and consumer credit reports. Implementing extra protection, I continue to address negative remarks that need to be deleted with ChexSystem. This report is a measure to avoid further delay in repairing my reports and correct inaccuracies in reports. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (IL)

Filled out the form and mailed it to XXXX, GA. I had asked for all XXXX reports. Experian balks and refuses to supply a report. They ask for additional data. They need a copy of a bank statement, a copy of a State issued ID, a copy of a utility bill and addresses for the last two years. XXXX did send me my report. I have been receiving credit reports for the last fifteen years w/o a problem. I ask them for data and they respond by asking for data??
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MA)

I disputed an account on my experian credit report many times and it keeps coming back verified. the account is with XXXX XXXX ( ending in XXXX ) i sent a disput in febuary XXXX and it came back verifid. i wrote a letter to XXXX XXXX in XXXX XXXX asking for a copy of the chargeoff, lates anything pertaining to this acount.and if they can not verify then they must delete the tradeline from the credit bureaus- they sent back a reply to me they do not have any info on me cause they sold it, i then made copies and of the XXXX letters and wrote a letter to experian on XXXX XXXX XXXX asking them to remove this account because kays could not verify it. they sent me back on XXXX XXXX XXXX a credit report stating they updated my report- what they did was update my date of status to XXXX XXXX which made it look like it was a recent chargeoff and put in payment history XXXX XXXX chargeoff which made my score go down, theres no date of last activity on my report either, so i called them at the special handling dept and asked how did they verifiy when in the letter to me from XXXX XXXX they had no information on the charge off or late status then i was told by XXXX that XXXX XXXX informed them they did indeed sold it but leave it on my credit report, then i tried again to dispute it and it came back verified AGAIN. sent a letter to experian and of course verified again, then i called them on XXXX XXXX and just recent XXXX XXXX i asked them WHY they keep saying verified when they are the ones who told me if i get a response to send a copy of it to them WHICH i did and i asked how they verified they said electronic. I WANT THIS ACCOUNT OFF MY CREDIT REPORT ASAP.
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

My credit report has information that is not mine. Social Security number ending in XXXX is not mine nor my Spouse 's Social Security number. My wife 's Social Security ends with XXXX, her name is XXXX XXXX, NOT XXXX. My wife 's D.O.B. is XX/XX/XXXX. We were married on XX/XX/XXXX. 

Also, we never resided at XXXX XXXX XXXX, XXXX, FL XXXXXXXXPlease remove " XXXX '' and her Social Security number ending in XXXX from my credit report. Please input my wife as XXXX and her last XXXX number of her Social Security # as XXXX. Please remove XXXX XXXX XXXX XXXX, FL as an address of mine. I never resided there. 

Please contact me directly should you have any questions at:XXXX, FL XXXX-XXXXThank you, XXXX
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify those accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IN)

I have XXXX charge off 's I have disputed with both Experian and XXXX and they say they are verified but the XXXX companies have yet to verify it to me. XXXX did an investigation and deleted them both. XXXX is XXXX XXXX Charge off XXXX XXXX, XXXX & XXXX Charge off XXXX XXXX, XXXX. I have no idea what either of them are. I 'm pretty sure they are changing the dates to keep them on the report. It now says last updated XXXX XXXX, XXXX since I filed a dispute. prior to that it showed XXXX date opened. balance XXXX/XXXX/XXXX. They need to be deleted they are not mine. XXXX XXXX has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. XXXX XXXX continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Experian. So the debt was paid in full. But Experian still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

Please see the enclosed XXXX statement for XX/XX/XXXX. My due date was XX/XX/XXXX and my account was paid on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. Therefore my bill was not late and please updates all credit reports with this information.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

In early XXXX after filing my XXXX taxes I contacted via mail from the IRS stating there is an important matter about my XXXX tax return. I contacted the IRS from their website just to be safe and spoke to a Representative who stated there was a return already filed using my SSN and Name. She went on to ask my some verification questions and indicated this was fraud, the return would not be processed and for safe measure I should check my Credit Reports to make sure whoever filed this return with my Name and SSN has not done anything else. After pulling all XXXX Consumer Reports, I found multiple credit accounts opened with my name and SSN, mainly credit cards. The accounts opened were credit cards from XXXX Bank- XXXX, and XXXX Bank XXXX Since I found all these fraudulent items in XXXX XXXX to current day, I have went through so many letters, calls, fraud affidavits, and credit disputes through the XXXX agencies. I have been successful in contacting these Creditors directly, explaining my issue, and being able to get the items removed after each company did investigations. The only fraudulent account I am still unable to get removed is the XXXX XXXX Bank Credit Card. I have contacted them multiple times asking to speak to their Fraud Department and was told they are unable to transfer me but will mail me paperwork to fill out to get the item removed. To this day I have not received any correspondence from them even after several phone calls. I have disputed the account multiple times through Experian and the other XXXX agencies but when the results come back, XXXX XXXX states the account belongs to me. I have mailed them a Fraud Affidavit from the FTC site which they stated they received in XXXX of XXXX but nothing has been done. I called again today, XXXX/XXXX/XXXX, I am told the same thing that they are unable to transfer me to their Fraud Department. The person on the phone stated the account was NEVER disputed through any credit reporting agency and she can see they did receive my Fraud Affidavit but can not provide me any other information. I then contacted Experian right after and spoke to a XXXX, who stated he can see I have disputed this item numerous times but XXXX XXXX states the account is still mine. I have also disputed the item with Experian and uploading the affidavit I sent to XXXX but still I can not get this fraudulent item removed from my credit file. It is very frustrating because I was able to remove all the other credit accounts from such big financial institutions after investigations were done and found to be fraud but can not remove a small credit account from XXXX XXXX. I am out of options or ideas on how to get this removed just like all the other Fraudulent items.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company
Consumer complaint received 2023-06-08
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: FIRST PORTFOLIO SERVICING INC (GA)

Re : Intent to Sue under 15 USC 1681n and Non-compliance with 15 USC 1681i I write to you with a heavy heart and intense frustration due to the recent findings surrounding my account. I am writing this formal letter to notify you of my intent to initiate legal action against Total Visa for the violation of my consumer rights under 15 USC 1681n and 15 USC 1681i. Despite my diligent attempts to resolve these issues directly with your company, my efforts have been met with disregard and neglect. I find myself left with no other option but to seek legal counsel and involve the XXXX State Attorney General due to the continuous violations of my rights as a consumer.
Consumer complaint received 2023-05-08
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)

When I provided a copy of the FTC report, it was determined that credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following objects recorded under that are responding incorrectly because of fraud. The following items need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00}.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

Chime locked my account in XXXX, 2023 and requested proof of where I had received the funds I had deposited into my Chime account. I provided the requested documentation to Chime but they refuse to accept it. The have now closed my account and refuse to return the approximately {$60000.00} in my account. They have simply confiscated my money and now they are not responding to my emails. 

I am hiring an attorney today but someone needs to shut down Chime. I am not the only account holder to have this problem. : I have recently moved to this address. My previous address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (FL)

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 

Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report.

- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer.

- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Consumer complaint received 2023-05-08
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. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.