davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (IL)

Purchased a king size mattress on XX/XX/2022. Charged it on a XXXX credit card. 
After still paying found that several holes were found on the fabric of the mattress. 
The mattress that I was replacing was 20 years old with no issues. I reported this to Mattress Firm and first of all was told that I had bought that at the outlet store. The store in XXXX XXXX IL on XXXX and XXXX XXXX nowhere does it state that it's an outlet store. 
Spoke with the manager about the situation and they wouldn't do anything. However, after filing a complaint with the XXXX XXXX XXXX, I was told that I could exchange it. I went back to the store and there was only 1 mattress that I found to be comfortable. However, they told me it would be an addition {$1000.00} making the mattress {$3000.00}. 
That is not what I wanted to spend for a mattress when I entered the store. The Regional Manager called me and said that there was nothing they can do. The XXXXXXXX XXXX Credit card claims that they filed a complaint and came up with the same conclusion that my claim is not valid. 

Within a year, the mattress is falling apart. How dare they take advantage of regular working people. Also, stated that I got it at an Outlet where there is nowhere a sign that says I was in an outlet. I think that this company is lying to people to buy there product and selling LESS THAN PAR Products.
Consumer complaint received 2024-04-25
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. (CA)

I pulled my credit reports and noticed a mysterious collection account from XXXX XXXX that has never been verified or validated. I complained about this reporting once before that I have never received any notice at all which would have allowed me to dispute this debt I allegedly owe. Experian and XXXX claims this debt was investigated and accurately verified but both failed to present to me or forward to me the proper procedure that was used to verify this account as accurate. As I write this, I still have not received anything pertaining to this debt they claim I owe which is in violation of FDCPA Section 807 ( 11 ) & Section 809 ( a ) ( 1-5 ) for failing to have any initial contact with me ( written or verbal ) before reporting this erroneous information on my credit report. With this negative reporting on my credit profile, it is really hindering me and my family from progressing.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-04
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

This company is reporting on my credit report as a hard inquiry which is giving me a hardship which is stopping me and slowing me up from reaching certain goal. I've spoken with them to try to fix this problem and haven't gotten any solution. this company has stolen my identity. I know under 15 U.S. Code 1681 c-2 Block of information resulting from identity theft its against the law to use someone identity without there permission. I was mislead by a third party company they work with which I was told they don't do hard pull on our credit but it did so under 1006.18 false, deceptive, or misleading representations or means. these two laws was used against me and many others
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-25
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. (LA)

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.

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 informationisinaccurate.
Consumer complaint received 2023-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Omega RMS, LLC (VA)

This will serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communications with me in regard to the alleged debt, referenced above. Do not contact me or any third parties via telephone, email, or mail regarding collection of this alleged debt. 

I formally dispute the validity of this alleged debt. My dispute to Omega RMS, LLCs collection letter, dated XX/XX/XXXX will be sent to Omega RMS , LLC electronically, via CFPB 's portal to ensure receipt, and to the address referenced above, via certified mail, for record keeping purposes. ( Letter was sent on XX/XX/XXXX, via USPS ). I do not owe this debt or any debt to Omega RMS , LLC or to any third party Omega RMS , LLC is stating to represent. 

You are also notified should any adverse information be placed against my credit reports, appropriate legal action will be taken. Per FCRA and FDCPA, any account reported to the credit bureaus must be a verified account and collection activity, to include reporting to the credit bureaus, must cease. 

Thank you for your attention in this matter. 
V/R, XXXX XXXX
Consumer complaint received 2023-08-04
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. (LA)

I filed a complaint about XXXX XXXX XXXX account. They responded with a copy of a bill or lease agreement with handwriting thats not my handwriting and they dont have a copy of the identification of the individual that signed the lease. This is a fraud account and XXXX NEEDS TO PROVIDE PHOTO IDENTIFICATION OF THE PERSON WHO SIGNED THE LEASE and if they cant the account needs to be removed and blocked
Consumer complaint received 2024-04-25
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-05-02
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. (TX)

Their website does not work in terms of the complaint process. 

Their website pulls incorrect information in the security-question process rendering the service useless. 

These " credit-reporting '' agencies are incompetent and are affecting the daily lives of people!!!
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

I've always made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment comments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-26
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

My bank account with Capital One was compromised via the online banking system. I asked Capital One on multiple occasions ( at least ten times ) to secure my online banking. They continued to fail to lock down my accounts and at least XXXX dollars was taken by the fraudster. Capital one continued to provide unclear direction on when they would secure the bank accounts or when they would provide me a refund. They continued to tell me it was my fault that this was happening and I needed to clean my phone which when I took it both to XXXX and XXXX XXXX XXXX they would tell me nothing was wrong. Ive wasted days trying to resolve this with Capital One and now I am aware that the fraudster accessed my social security number and other account information which Capital One fails to take responsibility for.
Consumer complaint received 2023-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MD)

I hope this message finds you well. I am writing to inform you of a distressing issue involving identity theft that has directly impacted my financial well-being. Upon conducting a review of my credit report, I discovered an unauthorized account that was opened in my name with Credence Resource Management. It is important to note that I have not initiated nor authorized any business or account with this entity. 

The existence of this fraudulent account has caused considerable damage to my credit report and subsequently to my overall financial standing. I am deeply concerned about the adverse effects this may have on my financial health and credibility. I firmly believe that this unauthorized account is a direct result of identity theft and I am actively taking all necessary steps to address this situation. 

I have already taken initial actions by contacting Credence Resource Management to dispute the account and have filed a report with local law enforcement to report the identity theft. Nevertheless, as the impact on my credit report persists, I am reaching out to request your assistance in rectifying this issue. 

I kindly request your support in investigating and promptly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the accuracy of my credit history is restored. 

Enclosed with this email, you will find the pertinent details regarding the fraudulent account for your reference. Should you require any further information from my end to facilitate the resolution of this matter, please do not hesitate to reach out. 

I am fully committed to cooperating with your team to swiftly resolve this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and assistance.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im aXX/XX/XXXX for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

Sent papers showing my dad XXXX XXXX property was in my name now to get mortgage assumption / mortgage assistance. Mortgage assistance application with my financials were sent to mortgage company. They are giving me a hard time with my request. They always tell me the file is in research and the file has not been updated with my documents. I don't want to lose the property to foreclosure because they are giving me the run around.
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit 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
Consumer complaint received 2023-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AZ)

Caine & Weiner has again reported incorrect, untrue, a debt collection from who knows when and who knows where in the amount of {$94.00} on the consumer profile of XXXX XXXX XXXX, requests have been made as to the authenticity of alleged debt, evidence of any sort and capacity demonstrating a relationship of financial obligation and to this moment none has been produced. 
I am stating I will NOT PAY THIS debt as it is not a debt that is valid and better yet truthful. Caine & Weiner has intentionally been reporting this debt collection and doing so in an unsavory manner. 
This is a violation of my copyright trademark I have for my name as I am a business & corporation and this has caused damages financially, reputationally, as well as professionally. 
Each violation is a fine amount of {$250000.00} Remove this false un-owed debt immediately. 
.
Consumer complaint received 2024-04-26
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. (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. 

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 2023-08-04
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was a victim of the data breach settlement was Equifax. There were accounts opened in my name using my information. Ive sent letters and contacted Equifax so many times and nothing has happened and they always send a letter back stating the debt has been verified and there absolutely no way youre verifying a debt that doesnt belong to me. Because of this data breach, I was a victim of identity theft and its impacting my credit. Please remove these accounts
Consumer complaint received 2023-10-26
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ISCC, LLC (FL)

nstant XXXX XXXX XXXX. Was hire by me and my husband XXXX XXXX in XXXX of XX/XX/XXXXXXXX  to negotiate settle in ours debts. XXXX XXXX was the person with whom I had all communication and the person who send me the contract and a legal Power Attorney to us. 
She made an estimate that we would pay {$14000.00} dollars including her fees with a monthly payment of {$610.00} per month for a period of 24 months. I ended up paying 25 months. 
My husband and I were living in NY at that time, due to the COVID businesses were operating from home and all the communications was through phone calls, emails and text message. In XXXX XX/XX/XXXXXXXX  we made the first payment, and the last payment was made XXXX XX/XX/XXXXXXXX  all the payments was made through XXXX XXXX every month she was sending me invoice to do the payments in the course of 2 years I send her {$15000.00} dollars, after calling the credict card companys I found out, she only used XXXX of the money that we paid and we have four accounts have not been settled We have 9 Credict cards debts between my husband and I. 
XXXX XXXX through ISCC , LLC only made a settle on 5 of does credict cards plus another Credict card she made parcial payments Im trying to get in touch with XXXX many times by phone, text and emails with no answer. 
My husband and I worked very hard to get out of debts and fulfill our dream of buying our house. 
I would like that the money to be returned to us. Also I would like to apologize for any misspelling, XXXX is not my first language thanks.