davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-13
Product: Credit 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. (OH)

This company has still not resolved my issues. I filed a dispute with chase credit card company. No one reached out to me to fix this issue. The XXXX account that was charged to my credit card I did not process or charge to the account. There was another individual who had access to this account XXXX XXXX. I believe she started this account. I do not have login information and I am unable to contact XXXX as there customer service is only handled via email but I do not know anything about the account it was started under XXXX XXXX. I need this request canceled and refunded to me. I refuse to accept this answer as this is a flaw within the chase system. I had requested my account to be closed on XXXX the XXXX XXXX. This was chargee to an account that should have been closed LONG before the webflow charge. I spoke with Chase business accounts representative XXXX XXXX at Chase on XXXX XXXX XXXX Ohio. SHE told me all of my accounts were closed on that day. The charge for XXXX was charged under XXXX not myself.
Consumer complaint received 2023-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

I received a notice of collection from CBSA of a debt from XXXX XXXX XXXX XXXX in XXXX, Texas. However, I have not received services from that office. I have only been to one clinic in the past year and that was in XXXX, Texas, which has billed me for their services. I asked for an itemized receipt and that business was not listed on there. I took a closer look at the address to me, and they even spelled my last name wrong, but my name is correct on the XXXX XXXX XXXX XXXX. I tried to go to the website of XXXX XXXX XXXX XXXX, however, my browser detected that the website was not secure, and that scammers may be targeting my information. I also tried to go to the website of CBSA, but it was not working either. That is when I began this complaint.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2023-10-13
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. (AZ)

There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2023 someone used my name, social security and date of birth to open a Bank of America Credit Card in my name. They use an address in another state I have never lived in or been to, someone else 's email and phone number to apply for the card. 
I reached out to XXXX to report it by phone and by mail. I sent via certified mail to XXXX a copy of the letter I received from Bank of America along with a copy of my current drivers license which the same address on file. I call today after I received the certified mail green card to verify they had received my documents. XXXX at XXXX verified they received them on XX/XX/2023. She also said my credit file is flagged as potential fraud. However, I would need to file a complaint before they could removed the inquiry from my credit file and mark my credit file as fraudulent.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc. (SC)

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me but they didnt stop there.

I looked up this law 15 USC 1692 which is the FDCPA and in Section 1692 c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer location.
Consumer complaint received 2023-10-13
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. (GA)

I am filing a complaint due to inaccurate informations on my credit report. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I have a FHA loan through Wells Fargo. I've requested a couple of deferments during a separation, XXXX and during COVID XXXX & XXXX. I was understood the agreement offered by the home preservation team with Wells Fargo defer my payment of put to the end/back of my loan. Instead the payments that were supposed to be added to the back of my loan were added as a second Mortgage with a different servicer. I feel like I mislead even when asking several times if it cause me to have a second Mortage and was told no. This Covid-19 Crisis Plan went through Wells Fargo and XXXX ( servicer I just learned about ). I applied for a HELOC and was made aware through the title search. The payoff never showed that I owed this large amount. I was told I was getting a loan modification with a lower interest rate. I learned through XXXX that I had a 2nd mortgage against my home for greater than {$45000.00}, which I had to pay in order to get the HELOC to do repair to my home. The payoff with Wells Fargo is currently {$140000.00}. I purchased my home for {$200000.00} 11 years ago and never missed a payment until I was told I had to miss the payment in order to qualify for assistance during COVID. How could this be? Now I'm paying {$45000.00} 2nd mortgage off through a HELOC ( not being able to complete all my home repairs and pay other debts and my current mortgage with Wells Fargo. I'm back at square one. I believe Wells Fargo has overcharged me and the partial claims amount exceed the actual amount of payments as well as blatantly mislead me about the Covid assistance, loan modification. I don't have the equity I thought I had to complete home repairs and pay debts I am deeply in- having to pay a 2nd mortgage is causing me a greater hardship. I owe more now from carrying a 2nd mortage of money they stole from me on top of my paying my own taxes and homeowners insurance shortages- my mortgage payment has increased due to the escrow shortage. I feel deceived by Wells Fargo with this supposedly forbarence, loan modification to a actual excessive 2nd mortgage on my home with interest and that is my money. I had been follwing this class action since the beginning and have been asking to be listed amongst the other injured parties and I had heard nothing back from the Class Action Lawsuit team- can you please assist me? I need help with getting a return of my funds. if your willing to help some people but not willing to add me. I am still underwater with my home and and in more debt with my attempt to use my home equity and having to pay {$45000.00}. I appreciate any and all help I can get with regards to this matter. Thank you for you assistance and consideration. 

Wells Fargo Account XXXXXXXX XXXX  Case # XXXX / Transactions Transactions Date Description Principal Amount XX/XX/XXXX Multiple Partial Claim XXXX {$4300.00} XX/XX/XXXX Multiple Partial Claim 2nd {$15000.00} XX/XX/XXXX Loan Setup - Principal Balance {$25000.00}
Consumer complaint received 2023-10-13
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2023 there were XXXX unauthorized transactions withdrew from my account totaling {$680.00}. These transactions were completed at an ATM at XXXX XXXX which I have never been. I submitted the dispute to the bank which I was advise it will take up to 10 days to recover place the credit in my account. However today on that XXXX day I was notified verbally and by email that the dispute has been declined and I will not receive my funds back in my account. The transaction was made while I still had my card in my wallet which is very confusing. Upon speaking with the bank they advised me to withdraw the remaining funds in my account because they have to mail out a new card and I wouldnt have access to the remaining funds. Which I did. Which is shown that the atm I use is less than XXXX mile from my house in XXXX XXXX. I am stuck and needing help because this transaction was unauthorized. There are cameras to prove this was not my transaction on atms. Please help. I am having an eviction without having access to my funds. This is my blue bird American Express prepaid account
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number.

Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I XXXX XXXX, consumer, and natural living person submitting this complaint there is not third party involved. Experian is reporting inaccurate information on my consumers report and I demand that it be moved immediately.
Consumer complaint received 2024-04-05
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. (TX)

I am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the fourth time. 

Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship. 

The continued failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX  is reporting a late payment after I paid my account in full. According to the FCRA information has to be accurate and correct and if anything is not accurate it has to be removed. 

Account name XXXX XXXX  Account number XXXX Account type XXXX XXXX Responsibility Individual Date opened XX/XX/XXXX Status Open. {$9.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$9.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} Credit limit {$15000.00} Highest balance {$15000.00} Terms The statement attached shows that according to the statement the account was not past due.
Consumer complaint received 2024-03-13
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 was looking through my credit report this morning and noticed some unauthorized inquiries that I had never applied for. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I contacted the credit bureaus and they refused to remove them.
Consumer complaint received 2023-10-13
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 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 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 ), 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 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I am writing to complain about the unfair and inaccurate reporting of my auto loan delinquency on my credit report. I experienced financial hardship during the COVID-19 pandemic, which made it difficult for me to make my loan payments on time. I contacted my lender and explained my situation, but they were not willing to work with me on a payment plan or other accommodations. 
As a result, I missed several payments between XX/XX/XXXX and XX/XX/XXXX. My loan is now paid off but the delinquency marks remain on my credit report. I have tried to dispute these marks with the credit reporting agencies, but they have not removed them.