davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-11
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. (RI)

on XX/XX/2023 i sent Experian and XXXX a FTC identity theft report along with : proof if identity, 2 proof of address, a pending XXXX police report and a letter to each stating that my ex partner ( mother of my son, whom i shared a home with for 6 years ), used my information to open credit cards and loans under my name. she has since left the home and i do not know about her whereabouts. 

Experian replied that the police report was missing an officer name and badge number, XXXX police has sent me the final police report which has that information. they said the FTC report needs detailed info about the theft. it is included : accounts, dates, amounts etc. i have even sent extra proof of address to them. 

XXXX replied back with a affidavit form that i have signed and notarized and have also sent back to them with proof of identity, and proof of address and the final police report. 

i have notified every company reporting these fraudulent account and not even them have given me the hard time that experian and transunion are giving me. 

i have complied with every piece of information they have asked from me and the continue to report these accounts on my credit report. i am a songle father to a XXXX XXXX XXXX XXXX son. im having a hard time financing things that he and i need because of these two credit bureaus. attached is every single document sent to them and their reply. 
XXXX Account Number : XXXX {$4000.00} XXXX XXXX  Account Number : XXXX {$2000.00} XXXX Account Number : XXXX {$5200.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$27000.00}
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Greeting, In XXXX of 2018, I received verified dispute results from XXXX, XXXX, and Transunion. According to the FCRA my rights has been violated. I asked all the companies to show how the account was verified, to send a copy of the original contract, and the payment history of the account. All failed to provide me proof and is still reporting negatively.
Consumer complaint received 2024-01-06
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. (NY)

I used my Chase Freedom credit card to make a purchase at the XXXX XXXX XXXX XXXX store in XXXX XXXX, NY on XX/XX/XXXX. My Chase Freedom card had a cash back deal for 15 % back on purchases made before the expiration date of XX/XX/XXXX. The cash back for my purchase of {$59.00} should be {$8.00}. I have not yet received my cash back totaling {$8.00}. I have contacted Chase customer server on numerous occasions providing the details required to issue the cash back. My first contact was on XX/XX/XXXX with XXXX who stated she created an escalation to receive the reward. I spoke to XXXX on XX/XX/XXXX and was told they were still working on it. I received a letter in the Chase message portal on XX/XX/XXXX stating the Bank needed additional information. I called on XX/XX/XXXX & was told to send the paperwork that proved I satisfied the terms of the offer via the Chase message portal. I received a letter back almost immediately stating they don't accept documentation via the portal. Unbeknownst to me, the case was then closed. Only when I called back to check the status of my case was I informed the case had been closed. At that point I requested to have the case re-opened. I contacted Chase once again on XX/XX/XXXX and spoke with XXXX who stated that as of XX/XX/XXXX the Bank was still working on it. I checked my portal again and on XX/XX/XXXX there was another letter stating that I was requesting {$28.00}, which I have never requested. That is the maximum amount allowed under the promotion. If the representatives can't get the information correct how am I supposed to get what I am entitled to? I have proven I satisfied all of the requirements of the promotion and I am entitled to {$8.00}. I feel Chase is giving me the run-around in hopes I give up my quest to receive my cash back promotion.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (GA)

Global Lending Services is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile
Consumer complaint received 2023-06-24
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. (CT)

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 : XXXX 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. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-20
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. (FL)

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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$340.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00}, XXXX  XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEMEN Reported on XX/XX/XXXX ITEM IN DISPUTE : MIDLAND CREDIT MANAGEMEN DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 

Dear MIDLAND CREDIT MANAGEMENT I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute XXXX : XXXX  XXXX was closed in XX/XX/XXXX. Amount of {$660.00} to be removed due to incorrect/ fraudulent collections/charges. 

Dispute XXXX : XXXX XXXX XXXX is fraudulent account for XXXX XXXX  was paid through government health insurance XXXX. Amount for {$490.00} to be removed due to fraudulent collection/ charges
Consumer complaint received 2024-01-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

I have given multiple times to cure. I asked XXXX XXXX to send me the original wet signature contract between XXXX and XXXX XXXX stating I will pay the alleged debt. I have given equifax and XXXX XXXX  4 months to present said contract and all I've receive was that they need more time. I demand XXXX XXXX be deleted permanently. Equifax delete XXXX XXXX from my credit report and XXXX XXXX 10 mins later reinsert the negative item again. 
My right to privacy pursuant 15 USC 1681b 2 company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Also if a debt is written off, then that said debt is paid pursuant to 18 USC 8. I owe no debt. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (TX)

This company AMSHER COLLECTION SERV has stated of a debt form a company charter that i have no knowledge of. No information was ever sent toshow of any relationship with this company. It breaks federal law 15 u.s.c 1681b Permissible Purposes of consumer reports.
Consumer complaint received 2024-01-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (LA)

I applied for a {$800.00} loan on XX/XX/XXXX from XXXX XXXX online. I did received the money. I have made XXXX payments at {$140.00} beginning XX/XX/XXXX, thru XX/XX/XXXX for a total of {$1000.00} with a principal balance left at {$910.00}. I had to get an extension for the XX/XX/XXXX payment which is causing the interest of the loan to accrued daily. I wasnt aware the interest rate is 490 % more than my state of Louisiana would allowed on a payday loan. Also, I didnt know the company is governor by an XXXX tribal. They will offer an extension on the loan but you will regret it in the loan run. You will have to make XXXX payments at XXXX time instead of put the loan at the end of the loan.
Consumer complaint received 2024-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My escrow deduction per month was extremely high. I contacted the mortgage company several times to have the escrow account audited. This was finally done in XXXX of 2023 and a letter was sent to me XX/XX/XXXX with the result of the audit. It was found that they had calculated our monthly escrow deposit wrong and that i was due a XXXX refund and the escrow amount per month was reduced. 

I have contacted the mortgage company no less than XXXX times and am being told that they will send check... .over and over again with no check being sent. 

When i have asked when they keep telling me it will be another 30 days. Reading online it appears that federal guidelines give the company XXXX to make the refund. We are 3 months past that.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I pulled my credit report and saw inquries that I did not authorize on my credit report. XX/XX/XXXX I called EXPERIAN, XXXX, XXXX INDIVIDUALLY ) each finally reaching live person ; who ALL in different ways ; stated that I needed to dispute my concerns with the ( original ) Creditor Personnel prior ; before they were able to remove these unauthorized inquries off of my credit report that I NEVER authorized from the beginning. With that being said, I started that process. Finding ( s ) information sold and brought and placed to my consumer report via 3rd party sayings-UNVERFIED. Finalized the process by contacting every creditor mentioned on each Individual bureau ( XXXX, XXXX AND EXPERIAN ) as they were listed on each individual credit report pulled. 
XX/XX/XXXX I then sent letters to EXPERIAN, XXXX, AND XXXX ( INDIVIDUALLY ), letting them know that I didn't give them permission to furnish this information. Understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately ; my consumer and privacy rights are being violated. I've demanded they be removed within 15 days ; if they couldn't produce any proof or evidence that supported their reason for those inquiries. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681B ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information related to a consumer to any consumer reporting agency if- ( i ) the persons has been notified by the consumer, at the address specific by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact, inaccurate.

The credit bureaus have no respect for the laws. Someone needs to hold them accountable for their wrong doings of this. 
XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX XX/XX/XXXX confirmation of last letter received by EXPERIAN dispute department at XXXX XX/XX/XXXX confirmation of last letter received by XXXX dispute department at XXXX
Consumer complaint received 2022-12-20
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. 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 account : XXXX XXXX XXXX : {$260000.00}
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

The Capital One Savor Credit Card has a promotional offer for spending XXXX dollars in the first three months. Despite doing this I did not receive the bonus of XXXX dollars. The promotion showed for the card led me to believe I met their criteria for excellent credit. Both times I have called the support for Capital One has been unhelpful in having the details fully explained. I also lost money I would have made making purchases with other cards with better cash back.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NH)

I am writing to dispute certain information regarding late payments on my DEPT OF XXXX / NELNET consumer report, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and removal of these inaccurately reported late payments associated with my account. 

The late payments in question violate the FCRA, particularly Section XXXX, which mandates the maximum possible accuracy of information in a consumer 's file. These inaccuracies also constitute a violation of my rights under the FCRA, which explicitly requires that information reported to credit bureaus must be accurate, verifiable, and reported with the consumer 's permission. 

Moreover, I draw your attention to XXXX ( XXXX ) of the FCRA, which excludes from the definition of " consumer report '' any report containing information solely as to transactions or experiences between the consumer and the person making the report. A late payment is considered a transaction or experience, falling under this exclusion, as defined by XXXX XXXX. XXXX. 

The late payment information reported in connection with the above accounts is considered an experience, falling within the scope of the transactions or experiences that XXXX has excluded from consumer reports. As per the FCRA, you are required to delete the late payments information from the accounts attached. 

Section XXXX ( a ) ( XXXX ) of the FCRA further stipulates that credit reporting agencies XXXX only furnish consumer reports for legitimate purposes, such as credit transactions, employment purposes, or insurance underwriting. I am not aware of any legitimate purpose for reporting these late payments, and I affirm that I did not authorize the reporting of such information to your agency by XXXX OF XXXX / NELNET. 

Additionally, I bring to your attention the specific provisions in XXXX XXXX XXXX XXXX, which mandates that creditors XXXX not treat a payment on a credit card account as late unless reasonable procedures ensure the delivery of each periodic statement, including required information, to the consumer at least 21 days before the payment due date. 
Your prompt attention to this matter is imperative. 

In accordance with Section XXXX of the FCRA, I demand a thorough investigation into these disputed late payments. I expect written confirmation of the investigation 's completion and details of any actions taken to rectify this matter within XXXX calendar days. 

Failure to respond satisfactorily within the stipulated timeframe will leave me with no option but to take legal action against your company. I will seek damages of {$1000.00} per violation, including but not limited to defamation of character, negligent noncompliance, civil liability, mental anguish, and the FCRA XXXX XXXX. XXXX for violations under willful noncompliance ( Section XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX ).
Consumer complaint received 2021-10-18
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. (IA)

Within five days of purchase of a membership with XXXX XXXX XXXX on our Chase Credit Card ( JP Morgan ), we requested cancellation with XXXX, which we did not receive a timely response. This resulted in XXXXs contacting Chase Card Services to do the initial dispute of the charges. At that time SW Chase Card Services refunded the money. 

Then on we received an email on XX/XX/XXXX that the Merchant wanted to have a phone call to discussMonday XX/XX/XXXX we received a call from XXXX XXXX XXXX saying that they would like for us to remove the dispute from the SW Chase CC due to it negatively impacting them as a merchant and that they would execute the refund for us. So we decided to cancel the dispute and let the merchant credit us directly. Once we did that SW CC charge us for the initial charges. 

However, XXXX ( XXXX XXXX XXXX XXXX  ) has sent a letter stating that they did not receive the funds back from Chase Bank. Currently, Chase is stating that they did send the funds. 

Therefore, at this point in time, both banks are stating they do not have the funds ; yet Chase will not work with XXXX to discuss the matter and review the transactions. I am requesting that the Chase work with XXXX to discuss the transactions and resolve this matter. I have included below the contact information for XXXX members working this item. 

-XXXX  XXXXXXXX XXXX XXXX  XXXXOffice manager, Tel. XXXX Ext. XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX, Tel XXXX Ext.29 XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX , Tel. XXXX Ext.XXXX  XXXX XXXX
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (FL)

I am an identity theft victim. My personal information was used with out my consent several times to open accounts under my name. These accounts are reporting fraudulently on my Experian Report # XXXX. 
I filed a police report on XX/XX/XXXX with the XXXX XXXX XXXX Report # XXXX reporting the first incident of identity theft on my report. I have also filed an FTC identity theft report # XXXX. 
The fraudulent accounts are listed below : Company : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$4900.00} Company : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$14000.00} Company : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$2300.00} Company : XXXX  XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Total fraudulent amount : {$2900.00} This is a violation of my rights under the FCRA 605B ( 15 U.S.C. 1681c-2 ) I have attached additional items such a police report and identity theft report to this complaint as well as other verification documents to confirm my identity.
Consumer complaint received 2024-11-13
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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