davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

For starters they sold me a lemon. 
It broke down after i left the parking lot day 1.

It spent months in the shop because they were so cheap in honoring their own warranty and wouldn't take it back. 
After I voluntary returned it due to a personal issue their was an agreement that they would refund the extended warranty purchased in loan and gap payments to balance along with what it auctioned or sold for. 
I have yet to receive the documents i was promised, legally due and they continue to report late payments monthly. 
Whats really odd is they removed all of my on time payments to make it look like i never payed and added false inaccurate info to my credit to purposely fry my credit.
Consumer complaint received 2023-04-07
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. (NY)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

Back in late XXXX  i had opened an account with XXXX XXXX  and was trying to use that account as a secondary bank. A couple weeks later i got a fraud alert stating transactions i wasnt making were going through my account. i got logged out my account and all and wasnt aware that XXXX closed my account so i thought i was all good when they stopped contacting me. now a company named MRS is trying to collect debt from me that i did not do.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation (CO)

I am writing to file a formal complaint against concord regarding their conduct in attempting to collect a debt associated with a timeshare at XXXX XXXX XXXX. 

On XX/XX/2024 I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the aforementioned debt. In response, I promptly contacted the agency via email on XX/XX/2024, disputing the validity of the debt and requesting additional information to validate the claim. However, the response I received from Concord on XX/XX/2024 failed to adequately address my concerns or provide sufficient documentation to verify the debt. 

Furthermore, despite my explicit request to cease all communication via telephone on XX/XX/2024, I have continued to receive multiple phone calls from Concord with the connecting line hanging up, ive called back with them unable to Id the source of the call from within their company. These calls have persisted despite my repeated requests for communication to be conducted solely via mail or email. 

I am deeply concerned by the lack of transparency and failure to adhere to my rights under the Fair Debt Collection Practices Act ( FDCPA ). The conduct of Concord has caused me significant distress and inconvenience.

I respectfully request that the Consumer Financial Protection Bureau : Investigate the conduct of Concord in attempting to collect the debt referenced above. 
Ensure that Concord ceases all further communication via telephone and adheres to my request for correspondence to be conducted solely via mail or email.

Require Concord to provide complete and accurate documentation to verify the validity of the debt, including the original creditor 's name, address, contact information, and method of billing.

Take appropriate enforcement action against Concord if violations of the FDCPA are found. 
I trust that the Consumer Financial Protection Bureau will take prompt and appropriate action to address these concerns and protect consumers ' rights. 

Thank you for your attention to this matter. 

Furthermore, I want to emphasize that no prior contact was made via mail or email regarding this debt before I received the collection notice. This lack of prior communication is concerning and raises questions about the validity of the debt collection process employed by Concord
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Made an airline purchase with my chase cc in XX/XX/XXXX. Purchase was approved and confirmed and several hours later ( overnight ) chase blocked payment to vendor thinking it was fraud and my flight was never ticketed. 

Flight prices went up the next morning and when I called chase to get the hold released, I was informed by an agent in the fraud department that I should call back after rebooking my flight and chase would reimburse me for the increased flight amount through getting rewards points. 

Ive tried calling numerous times since XX/XX/XXXX and have not been able to get resolution to this. As of XX/XX/XXXX, I have now been told that its not Chases policy to provide reimbursement for fraud transactions. This is NOT what the agent told me nor was this actual fraud. Chase did not validate or verify this was fraud before blocking my payment and gave me no opportunity to confirm my intent.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

American Express gift card can not be used with any merchant I can find, I have tried multiple online and physical locations and the cards do not work. Merchants all say this is due to changes by American Express and all other vendors still work. I have tried using over XXXX times since its issuance on XX/XX/2023.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

On XX/XX/2024, I looked at my report, I sent a letter to Equifax on XX/XX/XXXX asking them to Reinvestigate these accounts. * ( XXXX ) XXXX XXXX XXXX, ( XXXX ) * XXXX XXXX XXXX XXXX, ( XXXX ) *State XXXX XXXX XXXX XXXX ( XXXX ) *State Employees XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same. And According to 15 USC 1681I ( 5 ) They are supposed to do this ( 5 ) Treatment of inaccurate information or Unverifiable information ( A ) in general, If, After any Reinvestigation under paragraph ( 1 ) 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 ( s ) 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 and according to 15 USC 1681eb they are supposed to ensure this ( B ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. And According to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual Knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if... ( I ) the person has been notified by the consumer, at the address Specified by the person for such notices, that specific information is Inaccurate : and ( ii ) the information is, in fact INACCURATE
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting.

XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: FISERV INC. (TX)

I received four letters dated XX/XX/XXXX from TRS Recovery Services telling me that my XXXX account was in arrears, that payments I attempted to make from my bank account were denied. Therefore, I requested documentation of the debts they said I owed. In the meantime I contacted XXXX to find out why I had not been notified that my payments did not go through. The XXXX representative told me that because the payments were coming from my bank account, XXXX referred the non-payments to Telecheck. In other words, XXXX denied responsibility for sending the debts to TRS Recovery Services. 

When I received documentation from TRS outlining the debts/non-payments, there was a {$25.00} service fee added to each outstanding balance. I contacted TRS to let them know that my bank account had been compromised in early XXXX, and they also told me that they had received the referral of non-payment from Telecheck.

I then contacted Telecheck on XX/XX/XXXX to explain that my bank account had been compromised, and asked why I wasn't notified by either XXXX or my bank that the purchases had been denied. They repeated what XXXX and TRS had told me -- that once Telecheck is notified of a non-payment, they referred me to TRS Recovery Services. 

As a consumer, I would like to have been notified by XXXX that the payments for my merchandise had been denied ; this would have been good customer service. Ironically, on XXXX  XX/XX/XXXX XXXX sent an email that my payment method ( debit card ) had been denied, and I was able to remedy the situation. It seems as if XXXX had notified me about the four non-payments in XXXX, I could have resolved that situation as well. 

As of XXXX  XX/XX/XXXX I paid XXXX a total of {$430.00}, including the service fees, in order to keep my credit record clean and resolve this entire unfortunate situation. 

I am not sure what the Consumer Financial Protection Bureau can do about what happened to me, but I wanted the agency to be aware that as a consumer, I believe I received the " run-around '' from three businesses, and none of the companies wanted to take responsibility for what occurred. 

Thank you.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NY)

Lexis Nexis and XXXX rentbureau is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF XXXX XXXX XXXX XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023 I sent a letter to the credit company and contacted through the website to verify about three collection accounts that were on my credit report that are also hurting my credit which I have no knowledge of or doing of any sort. I asked to remove these several times through their website portal and through mail. One time I had no response second it was a verified statement which is false because I requested proof in the letter which by law I have that right under the " Fair Credit Reporting Act ( FCRA ) 15 USC 1681. And just ask they be deleted, if they can't be verified so I can pursue my goals of buying a home and car in the future ....
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am inquiring about the recent complaint I submitted on XX/XX/XXXX. Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC 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 EQUIFAX : 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 According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, XXXX, and Equifax ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, XXXX, and Equifax ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, XXXX, and Equifax ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, 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 report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-11-15
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX  account number : XXXX Please verify this information and remove it from my report if inaccurate.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i am requesting deletions of inaccurate accounts and to put the CRAs on notice of violation, per 15 usc 1681i ( 6 ) ( b ) ( 3 ) for non re-investigation of inaccurate accounts
Consumer complaint received 2023-10-07
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Consumer complaint received 2023-05-02
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. (FL)

As such expense, I am so disappointed that this account is reporting on my credit report and this shall not be on my credit report due to inaccuracies! According to FCRA 605B, these company only have a little of 4-5 days to remove this accounts considering that this is inaccurate!