davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

The original creditor reported this account late 30 days In XX/XX/XXXXXXXX  this account should be removed from my credit file per the debt collection act seven year rule on XX/XX/XXXX. XXXX has different dates for all 3 credit agencies for when this account to be removed. They do not have a complete file of my credit file. They made up the first date of this account being late. 
Secondly I requested a statement on my behalf was to be added to my credit file and every company that received my credit file should receive an updated version. I called several companies that inquired about my credit previously and I asked if their company received an updated version. Each company I contacted adamantly responded no. Either remove these inquiries for the pasr two years or send them updated versions of my credit file per the Fair debt collections act. These companies should be allowed to hear my version of this debt to make a fair decision on my behalf.
Consumer complaint received 2024-04-09
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2024-02-02
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. (PA)

This company is in direct violation of 15 U.S. Code 1681c2 ( A ) .On or around XX/XX/XXXX I filed a FTC complaint regarding identity theft and then I wrote this company informing them of my data breach and then I asked XXXX to block said information which was a XXXX XXXX XXXX account to which it has been more then four days since I demanded said block and this company has failed to honor my request.
Consumer complaint received 2024-04-09
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. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

My concern is with JP Morgan Chase Bank not assisting me further with my dispute. I sent them two letters to explain that I made payments to attend a guided tour to XXXX XXXX by a reliable tour group called, XXXX XXXX XXXX, who went into insolvency on XX/XX/XXXX. My tour was rescheduled many times ( on the tour group 's suggestion ). It was last scheduled for XX/XX/XXXX. 

The bank has refused to refund multiple payments due to their time frame that has expired. There is a level of discretion in these decisions, as some of the customers have received a full refund. 

The focus of the dates of payments made in question should be reconsidered due to the unforeseen circumstances. The fact remains, there was an inability to travel due to COVID-19. I am disputing two payments made on XX/XX/XXXX for {$1400.00} total. The tour group went insolvent as of XX/XX/XXXX and that is the date that should be considered for decisions with regard to refund purposes.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

I submitted a letter as a consumer to Lexis Nexis Risk Solutions Consumer Center on XX/XX/2023. Lexis Nexis violated my privacy by furnished a bankruptcy referenced number XXXX to Lexis Nexis and to XXXX, XXXX, and XXXX. I did not give Lexis Nexis permission to furnish this information, as I have a right to privacy. It has also been over thirty days since i have sent the letter. By law, a company has 30 days to investigate, and I have yet to receive a response regarding my dispute has been received.
Consumer complaint received 2024-04-09
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)

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 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

I called the number on the back of my credit card to find out what the exact date is that I entered into a contract with Citibank for the credit card. One representative said he can not see that information. When I asked to speak to a supervisor he would not transfer me to a supervisor and instead routed my call back to the beginning of the automated menu. The second time I called, the representative told me that he can not give me the information because it's private. I reminded him I verified my identity as the account holder as he requested yet he still would not provide me the information. I asked to speak with a supervisor. When the supervisor came on the line, he inquired why I wanted the information. I told him it was for my records and he said he could not give out that information. He could only tell me the year I entered into the contract. I asked for a letter to be sent to my home providing the exact date I entered into the contract and he ignored my request. Instead, he wanted me to guess a month and year and he can just say " yes '' or " no '' in response. 
This is unacceptable because I have a right to know the exact date I entered into a contract with a company. I should not have to play guessing games or even reveal why I want the information after I have already verified my ID as the account holder.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom it may concern XXXX XXXX has violated my rights : account number XXXX account number XXXX account number XXXX account number XXXX and account number XXXX I did not authorize anyone employed by this company to create a account in my name and or furnish any of my personal information this is a violation of Fair credit reporting act section 1681b ( c ) and a serious breach of my privacy rights
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (LA)

In XXXX, I was reviewing my consumer report. There was a inquiry on the report from Comenity/Jared that I had a concern about. They disputed the inquiry, but somehow disputed the accounts that were connected to comenity, such as Victoria Secret, JCrew, Comenity Mastercard, XXXX  's reward. How can this be mistaken as accounts???? In XXXX I went to Jcrew with the card in question to use the card and it was closed, I tried my mastercard only to find I couldn't use it either. I called and spoke to a representative which explained what happened so he said so you didn't report it stolen??? I said no i'm in the store now. He said well I will have the account reopened. I had them check my other accounts to make sure there were no issues and I explained that it was a inquiry for Jared so he looked and said there were no accounts open under that name and I said I know, but the inquiry is there so he said he understood and would assure there'd be no issues only to find a whole month later still issues and I have all of these cards in my hand, and I have worked very hard to maintain my good credit. I have paid every single bill on time, never called them with any issues and it's on my consumer report as paid. I have over 74 credit cards and I pay each one of them when I am supposed to. Im in the process of buying a new house and I don't need this negative activity on my reports. This is unfair. I'm the legal consumer and I control what goes on my reports. I am the one who applied for these cards and got approved because of my good credit. I should not have to reapply and put a inquiry on my report for something I had anyway. This definitely was a mistake. When I spoke to XXXX, XXXX said the card shows on my consumer report as still open. This is a bad representation of how a good consumer is treated that pays every bill on time. No one called me to verify if this was me or not. They just closed the account. Question : Why would I dispute cards I frequently use??? It doesn't make sense They even said they would send new cards to these accounts to fix the issue. Why deny me credit to the cards I have all in my hand?????? 
This is an embarrassment. Especailly in the stores i'm familiar with. 
My XXXX  reward I got that for being a member at XXXX XXXX, You have to be a member. I swiped my Drivers License to get approved and I did. So you mean to tell me that I have to go in the casino again to reapply for a card I had???? This is unacceptable!!!! And with comenity I have about 24-30 different cards in my name so they didnt think this thru. Your gon na do your longtime active consumer like this. Causing me to definitely want to take my business elsewhere losing all good active accounts if they can not fix this mess.
Consumer complaint received 2024-04-09
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. (NY)

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on date of XX/XX/year>. Please investigate and provide proof with statements showing this payment was late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-04-09
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. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-09
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: January Technologies, Inc (CA)

These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to January Technologies for collection.

January Technologies never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.
Consumer complaint received 2023-11-23
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. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2024 at XXXX, XXXX and XXXX XXXX the Fraud Department of Chase Bank called my cellphone but it was turned off. XXXX XXXX from XXXX, Texas, and XXXX XXXX were both confirmed by Chase as employees of the bank and were confirmed as accessing my account at those times. After missing those three calls I received a text appearing to be from the Chase Fraud department at XXXX XXXX saying " We declined {$500.00} with card ending in XXXX at XXXX XXXX XXXX XXXX  Was this you? Reply YES or NO. Msg and data rates may apply. '' I replied " No ''. I received a text back saying " Chase Fraud : Thank you. A fraud representative will be calling you shortly. '' At XXXX XXXX I received a call from the Chase Fraud telephone number. ( If criminals had the ability to spoof the Chase Fraud telephone number Chase should have warned their clients NOT TO TRUST any incoming call from the Chase Fraud Department. An hour and three minutes later at XXXX XXXX {$2700.00} was fraudulently wired from my business account to an account at XXXX XXXX XXXX Chase Bank then properly blocked three subsequent attempts to wire more money. My claim for reimbursement has been denied and then reopened and denied three times. They clearly knew my credentials had been compromised when they'd tried to call me three times earlier that morning and should have blocked this first fraudulently sent wire, as they did the three subsequent wires. Claim # XXXX. Escalation # XXXX. Further exact details and exhibits will be attached to this report.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

i sent equifax, XXXX and XXXX a letter letting them know that the accounts they are reporting are inaccurate closed and past the statue of limitations and to send me a copy and validate the debts can you please help i dont know what else to do
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I set up automatic payments with an approval for {$1500.00} with SLS.net ( specialized loan servicing ) a mortgage provider. 

They changed the amount to debit from my check account. Without prior authorization from me. 

They changed the amount to debit to XXXX which is a 36 % increase to my payment without my prior authorization. 

There is no reason they should have modified my account by 36 % nothing else comes out of the debit other than my mortgage payment itself. My taxes, insurance, hoa, etc is all paid by me throughout the year as it is due.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has sold an account ( XX/XX/2023 ) to a debt collector & still is reporting on my credit report to all major credit bureaus. The Capital One account ending in XXXX should not be duplicate reporting as it is a FCRA & FDCPA violation.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (DE)

On XX/XX/2023 Midland Credit Management reported a collection account to XXXX, XXXX and XXXX Credit Bureaus stating that I owe them {$970.00} I sent them a cease & desist by certified requesting that all reporting be ceased immediately, unless they can provide me with ( proof ) of an agreement between them and myself with my signature ( wet ink ). ( Violation- 15 U.S. Code 1692g ) They have not, I did receive my verification that the mail was signed for ( received ) they have yet to cease reporting this collection account and it is causing me hardship and is a violation of my consumer rights according to U.C.C. 1-308.4 So again I ask for a cease and desist of all collection activity and removal of adverse information on my consumer report immediately.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On XX/XX/2023 my VA and Social Security Benefits were deposited and upon attempt to withdrawing my funds I was informed my account was frozen and could not access my government benefits. Have attempted more than enough times to speak with someone about this matter and to no avail. The bank institution is USAA!
Consumer complaint received 2022-10-07
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC (MS)

I received a letter from the Jacob Law Group , PLLC, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.