davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

I realized that my credit was stolen when I got a call from XXXX XXXX XXXX requesting that I call them back regarding a credit card application I applied for due to me having an alert on my credit account asking that I be contacted prior to anyone opening credit in my name due to fraudulent JP Morgan Chase credit card being opened in XXXX XXXX XXXX. I then looked at my credit report and noticed a few credit checks and called the banks on XX/XX/XXXX to let them know they were fraudulent and to not process those credit applications and then froze my credit. I was able to reach Chase, XXXX XXXX, XXXX XXXX and XXXX XXXX  before they approved the applications and they were all marked fraudulent. These are all still marked as hard inquiries on my credit report even though they are marked as fraudulent. I have been unsuccessful removing them from the creditors via dispute and contacting the credit card companies directly. The hard inquiries on my report from JP Morgan Chase are XX/XX/XXXX and XX/XX/XXXX ( from when the unauthorized credit card was opened ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-10
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2020-03-30
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. (GA)

I I contacted XXXX XXXXXXXX XXXX Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX XXXX was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, XXXX XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency Experian got it and still would not remove it. I know the phone call was recorded and I let Experian knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep XXXX XXXXollection on credit score remains. This is not right because I feel as though XXXX XXXX LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at XXXX XXXX did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with Experian is not helping AT ALL. PLEASE HELP!!!
Consumer complaint received 2024-06-26
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: JPMORGAN CHASE & CO. (MI)

XXXX XXXX My wife XXXX XXXX and I received email offering {$15.00} statement credit for paying {$150.00} or more in bills including utilities using my Chase Freedom XXXX XXXX We enrolled in the offer and paid a utility bill for over that amount on XX/XX/2024. We received a statement credit of {$15.00} on XX/XX/XXXX Several weeks later, on XX/XX/2024, we received another email from Chase with the exact same offer and it said we were already enrolled in the offer and the deadline to use it was XX/XX/XXXX. We again paid another utility bill for over {$150.00} on XX/XX/XXXX. No {$15.00} credit was issued so we began inquiring via secure message. We were told that it could take up to XXXX weeks for the statement credit to post, so we waited. 

We contacted Chase and after much messaging back and forth, they claimed that we were not eligible for the statement credit because of the {$15.00} we received in XXXX. We pointed out that Chase sent another email on XX/XX/2024 with the same offer of {$15.00} for paying over {$150.00} of bills in the utility category. Chase stated it was only XXXX statement credit. We pointed out that no where in the terms in the email that they send with these offers that it is limited to XXXX. We pointed out that if this was the case, why would they send a second email with the offer XXXX weeks after we had already received a credit. They said they would not be paying the {$15.00} credit for the second offer they sent and they would not discuss the matter any further. We informed them that we would be filing a complaint with CFPB because they failed to fulfill the statement credit of {$15.00} for the offer that they had sent on XX/XX/2024, which we qualified for with our utility bill payment on XX/XX/2024. See attachments.
Consumer complaint received 2023-10-10
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX
Consumer complaint received 2023-10-10
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-10-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc. (CA)

This dept is for services my daughter never received. I'm on XXXX and can't afford a dept that I'm unfairly being charged for. They are hurt my credit because they report a collection increase every XXXX weeks. I currently need to move and can not get approved for a place because of their constant reporting.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I recently pulled my credit report and fount some inaccurate accounts that where reporting. I have made a list that of all accounts that are reflecting inaccurate on my report. I am in the process of starting a new business and I can not get funding because of this fraud account being placed on my account.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (GA)

My husband received a phone call from Jefferson Capital regarding a credit card that I have in collections. He is not associated with the card or debt at all. They should have his phone number at all. I am not sure how they got it.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

1. Creditor Name : XXXX XXXX XXXX Open date : XX/XX/XXXX Original creditor name : XXXXXXXX XXXX XXXX  Open Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX dollars 2. Creditor Name : LVNV FUNDING LLC Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX XXXX Open Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX dollars I haven't the clue of were these came from are what they are, but they are on my credit report. These are all Fraudulent collections. I'm the victim of identity theft and all documents will be submitted below.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

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 2023-04-12
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (MD)

Filed a previous complaint back in XXXX, XXXX agreed to process a refund from merchandise that was returned in the amount of {$210.00} and refund of interest in the amount of {$23.00}. 
Company stated my account was credited a total of {$230.00}. So far I only see a refund of the interest charges of {$23.00} on XXXX. I have not seen a refund of the returned merchandise post as of yet, XX/XX/12. 
I am now owed another month of interest on the {$210.00} since it has not been credited to my account. 

Also I would like a breakdown of how the interest rate refund was determined. In the last 8mths since I havent received a refund of the {$210.00} the interest has fluctuated between 27 % & 30 %, at minimum the interest returned should be about {$40.00} since the mthly accrued interest was between {$4.00} - {$5.00} for 8 months. We are now headed into the 9mth without resolution.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was victim an identity fraud victim. 
The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.
Consumer complaint received 2023-10-10
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} XXXXXXXX XXXX **** Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX  XXXX XXXX Date Opened : {$360.00} XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-10
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. (IL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

In XX/XX/XXXX I called Carrington Mortgage to see what is my pay off balance since my last payment would be on XX/XX/XXXX @ {$240.00} which would mean in 13 months the total would be {$3400.00} and they gave me an amount that is much more than what is should be. {$9400.00}. The company told me that I had a loan consolidation that I had taken out from the company that they purchased the loan from. I asked them to send me the paperwork but they never did. I contacted XXXX  XXXX XXXX, who sent paperwork that said I have never consolidated a loan and forwarded Carrington a copy on XX/XX/XXXX. XX/XX/XXXX is a dated letter that I received with the original loan papers and a letter of apology with a promise indicating that they would straighten it out for me and send me the correct amount. They still have not corrected my loan pay off, it's reading the same larger amount. Trying to reach them by phone is very difficult at this time.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Source Receivables Management LLC (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX XXXX XXXX XXXX ] XXXX : XXXX XXXX XXXX ] [ XXXX XXXX XXXX : [ XXXX XXXX ] [ XXXX ]
Consumer complaint received 2023-10-10
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. (TX)

According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE.

NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
Please be advise this is my THIRD WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 
All of these accounts have violated the laws listed above : XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX LA XXXX XXXX these Accounts have violated my rights According to FCRA. 

ALSO, ACCORDING TO THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!
Consumer complaint received 2023-10-10
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. (TX)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AL)

I was victim an identity fraud victim. 
The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I am a victim of Identity Theft. I have been working diligently to repair my Identity and credit profile. I have reached out to chexsystems a few times and each time was at least 1 hr on the phone then come to find out nothing was done as promised. I am extremely frustrated and disappointed at the level of service that was provided!. The last time on the phone with a representative, I spent almost 2 hrs going over derogatory items that wasn't mine, logging in issues, and then disputing them fraudulent items on my Chexsystems report. After 2 painful hrs on the phone, I requested a confirmation number for the disputed items. The representative refused to give me a confirmation number then the phone cut off on me!. I was beyond frustrated and couldn't believe what just happened!. I reached out to them the next morning once again. I come to find out that nothing was done by the last representative that I spoke with that hung up on me! I spent another 1 and a half hours going over and redoing what was requested the last time! After all said and done on the phone with the representative, I uploaded a copy of my Identification and my Identity Theft Report from Federal Trade Commission. Three days later I received an email stating that my Identity Theft Report from FTC wasn't sufficient enough and wasn't considered a valid theft report. Thefore my claim was denied and in order for reconsideration on the same claim, I must provide them with a copy of my Identity Theft Report sign by an officer or a copy of a police report. I also mentioned to the representative before filing the dispute ; that the same items that im about to dispute with Chexsystems furnished by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has already been confirmed and deleted by XXXX, XXXX, and XXXX. I also mention to representative that under FCRA CONSUMER LAW THAT THE FURNISHERS MUST FORWARD THE CORRECTED INFORMATION TO ALL CREDIT REPORTING AGENCIES AND TO MAKE SURE THAT ONLY THE CORRECT INFORMATION IS REPORTED FROM NOW ON. By not complying is a major violation base on consumer law. I believe Chexsystems is not the only one that is not with compliance. The furnishers that are responsible for reporting the inaccurate items, if found incorrect the furnishers are also responsible for forwarding the correct or corrected information to ALL CREDITREPORTING AGENCIES so that correct information is reported for the consumer from now on!. The furnishers that are mentioned in this matter is XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Im extremely disappointed and don't know what else to do to resolve this issue with Chexsystems and hopefully I dont have the same issue with other CRA 's thats out there. I reach out today hoping for someone to help and looking forward for the good news.
Consumer complaint received 2023-10-10
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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