davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate 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 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.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (FL)

I rented an apartment in XX/XX/XXXX from Mosaic at XXXX XXXX XXXX in XXXX XXXX, FL. I broke my lease XX/XX/XXXX due to a very bad situation which we had to involve the police. The XXXX at the apartment complex worked with me and in the end, I only owed {$1700.00}. I made my last payment on XX/XX/XXXX and my account balance was XXXX on my apartment portal. XX/XX/XXXX I received a call from XXXX which is Rent Debt Automated Collections, a collection company stating they represent the new owners of the apartment complex, Waterline Apartments in XXXX XXXX and I still owed that amount and they were going to report it to my credit report. XX/XX/XXXX I emailed my proof to the collection company. 2 days later I called collection company and he confirmed they received my email and said he saw the proof I sent. XX/XX/XXXX, the account appears on my credit report on XXXX XXXX as an unpaid collection. XX/XX/XXXX I spoke with XXXX at the collection company XXXX ( direct # ) and he said upper management would take a look and call me back. He confirmed my proof was in the system and my account had a XXXX balance and was paid. XX/XX/XXXX I spoke with XXXX and he said he spoke with XXXX and it would be removed from my credit report. Now, it shows as " Account Paid in Full was a XXXX '' but it never should have gone to collections because it was paid in full and never a collection. I want this removed from my credit immediately as it has caused my XXXX XXXX to plummet and my other creditors have noticed and are reducing my credit balances which is also hurting my XXXX XXXX.
Consumer complaint received 2024-06-06
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. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (IN)

I received a XXXX from Chase Bank with my name and social security number associated with an account that is not mine. The event description indicates " Credit Card Fraud. '' The account belongs to a gentleman I was in a former relationship with who offered and assisted me financially due to me being off work with a XXXX condition in XX/XX/XXXX as a gift. Subsequent to my ending the relationship and reporting XXXX, he had all the payments retracted from my creditors to his bank account and credit cards, falsely reporting fraud to his creditors, bank, and to the local sheriffs department in which his daughter is employed as a XXXX as well as his close friend, who is employed as a detective. The accusations were false, inflammatory, and defamatory. He evaded arrest for the battery charges, although the Sheriffs deputy informed me he recommended his arrest to the prosecutor. I later was informed that his daughter was the deputy 's supervisor and now the deputy no longer works for the Sheriffs department. I have no criminal history and have a 30 year tenured professional career as an outstanding employee. 
Upon receipt of the XXXX from Chase Bank, I consulted with my attorney and made several attempts to resolve the situation with Chase as I am not the debtor. In addition, " credit card fraud '' is not an appropriate use of XXXX even for the actual debtor according to the IRS rules. At the advice of my attorney, I recorded my conversations with Chase Bank in which they agreed to issue a written document admitting it was issued to me in error and retract the XXXX from the IRS. They stated I should receive such documentation by U.S. mail within 5 to 7 days. After 2 weeks of not receiving the written correspondence, I contacted Chase Bank again and they informed me they were not going to issue the letter or retract from IRS as I was considered a " suspect '' in their fraud investigation when it was reported in XX/XX/XXXX. This is a deplorable situation and I have texts and emails between my former boyfriend and I supporting my case. I am not the debtor on this account and was not forgiven of any debt thereof. I am requesting Chase Bank issue a letter of apology and admit their error as well as retract the XXXX from the IRS. I have suffered XXXX, XXXX, and XXXX injury as well as significant financial devastation in having to repay my creditors with fees and costs as a result of payment retractions. I subsequently dropped a protection order with the understanding he leave me alone. I continue to fear him and I consider the XXXX another form of harassment in this regard. He scammed me by providing assistance and then retracting it as well as making false claims to his creditors.
Consumer complaint received 2023-09-19
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. (MA)

My name is 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.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I am filing a complaint against CITIZNPAY for not responding after two attempts to write a dispute letter. They reported this debt on my credit report as a charge-off with a balance of {$3100.00}. I asked for a copy of the procedures that this company has in place to make sure that they comply with the law and that the account is reporting accurately but they failed to respond. They also violated FCRA Law 15 U.S Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

I received a care credit card from synchrony bank during a medical crisis with my dog. The promotion offered stated that there would be no interest charged if paid off within a year. Over the course of the medical situation we used the card a few times as well as once for an emergency dental repair for myself. At the time it was hugely helpful. The monthly statements were very limited in their information and it was impossible to find a statement with clarity re : promotion deadlines etc. I made every payment on time, often more than the listed amount. But the amount I was asked to pay was not XX/XX/12 the total required to stay within the promotional period. Apparently I did not meet the scheduled deadline. I received a bill for over {$520.00} in interest this month, I was told by the company representative it was 26.99 % the total, and there would be additional monthly interest charges of 2.24 %. I was told I could have 30 days to pay that off and the interest would be waived ( the first clear information I easily received ). When I said I would be filing a complaint with CFPB the chat screen suddenly went to a technical difficulties disconnected screen.
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WY)

My American Express XXXX XXXX XXXX XXXX! 

I want to share my experience with Amex. and XXXX XXXX. Here is why I would not recommend either of these companies : On XX/XX/2023 I signed up for the American Express XXXX XXXX card with a XXXX points SUB after spending $ XXXX in XXXX months and a no annual fee. 

On XX/XX/XXXX I reached the spending requirement. 

On XX/XX/XXXX I reached out to American Express and XXXX XXXX asking when I could expect to receive the points. The rep. at Amex told me that they had transferred the points to XXXX XXXX on XXXX XXXX and on XXXX XXXX they were transferred and accpeted by XXXX XXXX. 

On XXXX XXXX I again spoke in a three-way conversation with Amex. and XXXX XXXX confirming that the points had been transferred to XXXX XXXX. The XXXX XXXX rep submitted a Loyalty case and said the points should be posted to my XXXX account soon. 

XX/XX/XXXX I once again called XXXX about the Loyalty case and the rep. said they were still working on it. 

On XXXX XXXX I spoke with Amex. XXXX who said to check with XXXX on XXXX XXXX and the points should be posted soon. 

On XXXX XXXX I spoke with XXXX and was told that I should receive the points by the end of the day or the next. I was also told that they had received approval from their corporate office on XXXX XXXX for the XXXX points. 

On XXXX XXXX I spoke to someone named XXXX at XXXX corporate office and she said she was sending info to another dept and it was still in progress and she did not know why they had not been posted yet. 

On XXXX XXXX I spoke with someone from XXXX XXXX Assistance and they are requesting an update as the case is still in progress and that I would receive an email to that effect. 

As of today, XXXX XXXX, I still have not heard from anyone nor received the points. I believe there are better options out there for hotel points.
Consumer complaint received 2024-06-06
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 dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXX  XXXX XXXX Account Number : XXXX Balance : {$8700.00} The information related to this account is inconsistent across the three major credit bureaus. Specifically, the date of charge-off for this account is reported differently : XXXX reports the charge-off date as XX/XX/2020 Equifax reports the charge-off date as  XX/XX/2020 Since this information is being provided by the same data furnisher, it should be consistent across all bureaus. The discrepancies in these dates are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that all information on a consumer 's credit report is accurate and consistent. 

I have documented and saved all my reports, as well as your previous failures to correct and delete the inaccurate information despite multiple attempts. This letter serves as an escalation of my previous attempts to have these errors corrected. 

Given the inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. Enclosed with this letter are copies of my credit reports from XXXX and Equifax highlighting the discrepancies. 

Thank you for your prompt attention to this matter. Please confirm in writing that this account has been deleted from my credit report.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (PA)

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 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 2023-09-15
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. (PA)

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 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 2024-06-06
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. (MD)

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX 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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XXXX of XXXX a credit card was opened under my name without my consent or knowledge. On XX/XX/XXXX I filed a police report and a FTC report stating that someone opened an account with the credit card company named XXXX under my name fraudulently. I first realized this amount was being charged because this person has charged that card {$13000.00} and this resulted in dropping my credit score XXXX points. I emailed the company explaining what happened because that was the only way I could reach out to them. They told me to contact the 3 credit bureaus and file a dispute so I did. They said they would get back to me in the first or second week of XX/XX/2023. Equifax said they confirmed the charges with that creditor and didnt accept my dispute. I am planning to mail the paperwork I was sent to these bureaus ( equifax and XXXX ). Whoever opened this account I am assuming got a hold of my XXXX account because I am not able to access my account the email under the account is theirs and when I try to contact XXXX I am never directed to an agent that can actually help me. They say they are going to reach out to me and never do. I am a victim of identity theft and it seems like no one from these companies are attempting to help me. I still have not heard back from the XXXX company.
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (KY)

Theyve called from various numbers once a day for the last about XXXX weeks, largely while Im at work as a XXXX XXXX 

XXXX completely screwed me when I was waiting to start work XXXX with the IRS barely making bills and decided to without telling me send the amount of my credit card ( {$3200.00} ) PLUS any interest ( to a total of about $ XXXX ) effectively tanking my credit and setting me back on progress I was finally making having gotten to start work. Now I dont qualify for any housing grants, rentals, etc. All because of them. 

Now the debt collectors are calling me relentlessly over a bill I not only cant afford but frankly WILL NOT PAY knowing they already wrecked my credit for the next AT LEAST XXXX  years. XXXX threatened to sue and in turn so did Hunter Warfield among their other disgusting behavior and harassment. 

XXXX a XXXX individual who JUST got to finally catch up on their bills and find a career and XXXXXXXX XXXX along with Hunter Warfield are doing everything they can to prohibit me from any normal/decent quality of life.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-15
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. (GA)

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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$650.00} XXXX  XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXXXXXX XXXX a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there