davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXrd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, {$12000.00}, showing closed since XXXX hasn't been deleted its over credit statue limitations Department of Ed/XXXX, XXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations Department of EdXXXXXXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations US Department of EdXXXX XXXXXXXX, showing closed since XXXX hasn't been deleted its over credit statue limitations credit collecting serv, XXXX, derogatory / XXXX XXXX XXXX XXXX XXXX, derogatory/ all incorrect I should nothing but two credit cards XXXX XXXX and XXXX XXXX XXXX  only with good standing
Consumer complaint received 2023-07-07
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. (MA)

I received a defective item. 
I returned the Item with an XXXX label. 
I provided a vast array of documentation proving that I returned the defective item as agreed. 
Chase sided with the merchant even though they were given overwhelming information that the item had been returned and was defective. 

Chase violated terms of services as the credit card is supposed to protect me from fraudulent and defective items, as agreed in the contract and terms of service. 

The transaction date is the following : XX/XX/2023 The merchant name is : XXXX The amount disputed is : XXXX Chase has all XXXX the evidence in hand already and is ignoring the evidence I provided. 

The evidence includes the following : Receipt from XXXX showing that I dropped off the item. 
Photos of the Item as it was being packed. 

Photos of the box that it was sent in.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I've consistently made timely payments on this account, avoiding any instances of overdue payments. I'm uncertain about the reasons behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, necessary corrections should be made.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-19
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. (NV)

XXXX consumer account number XXXX XXXX this company has violated my rights per fcra This account was involved in litigation 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 exists Also this account does not belong to me address place of residence never lived there.
Consumer complaint received 2023-11-09
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. (TX)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (MO)

I have received multiple phone calls and text messages from " debt collectors '' attempting to collect this debt although this debt does not belong to me and I have been trying to get it removed. During the time I was on XXXX XXXX military orders and no permanent residency. 
FCRA In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

Sent money through Zelle on my banking app to complete adoption process and never received the puppy that I was adopting. I have a contract between us saying that the amount sent would be for the adoption and if that wasnt completed that I would get the money back. Money was for XXXX XXXX XXXX XXXX and registration fee. The amount was for {$650.00} process on XX/XX/2021 The companys number that the adoption was through was XXXX puppy ranch
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VT)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (NC)

Letter emailed XXXX Us. Department of Education XXXX XXXX XXXX XXXX, TX XXXX Greetings U.S. Department of Education XXXX This letter is in response to a recent statement that I received. On XX/XX/XXXX a certified letter ( # XXXX XXXX XXXX XXXX XXXX ) was mailed to Maximus Inc.XXXX XXXX XXXX, XXXX, VA XXXX. The envelope included a payment in full for the principal balance and a transfer of principal to the specified XXXX, instruction letter and a 1099C. 
Please reach out to the two companies that are trademarked with the U.S. Department of Education. Both Maximus/Aidvantage were listed on 1099 C and on my credit report.

Moreover, I am also bringing to your attention the Metro 2 Reporting Guidelines, which govern the reporting of credit information. It is essential that you adhere to these guidelines to ensure the integrity and reliability of credit reporting data. 


After updating my account paid in full, current and excellent payment history, please notify me within 15 days. I have received 2- 1099 B from Maximus who has my Treasury Direct Account information for interest payment deposits.

I did apply for the student loan forgiveness. 

As we know all accounts are prepaid and payments and interest from accounts must be returned to consumers/holders in due course by law. My bank account information is the same on file to receive or mail to the above address. 

I have spoke with XXXX on XX/XX/XXXX that asked to give mor time to receive the information from partner Aidvantage. 

XX/XX/XXXX I spoke with XXXX who also stated she is not sure principle why account account balances are not reflecting credit and XXXX balance. Instead interest is being added every month to and balance that has been offset. 

On XX/XX/XXXX 1099c submitted to irs thru XXXX Ref # XXXX-Aidvantage-US Dept. of Ed. 

Per the Us Dept. of Ed, both Maximus and Advantage are 3rd parties affiliate 's that work with US Dept Ed and have both now received double payments to credit and offset account to XXXX balance. 

student loan numbers # 's on XXXX XXXX XXXX {$24000.00} XXXX aidvantage - {$5600.00}
Consumer complaint received 2024-03-19
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. (PR)

I check my credit report in Experian for the first time in XX/XX/XXXX, and there was addresses, that not were mine so I dispute them. Also, hard enquiries on my credit and Autoloans affecting my credit nd employment that was not me. Appear to jobs in XXXX and I lived all my life in XXXX XXXX, we did a police report ( find attach ) Did the same in XXXX XXXX. 

Experian XXXX XXXX XXXX, closed dispute in process XXXX XXXX XXXX XXXX XXXX Opened Dispute in process XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX Opened XX/XX/XXXX, status opened {$85.00}, already in dispute XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} dispute in Review XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX ) XXXX Employment Sunbelt Disputed XXXX
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
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)

Timely payments on this account have always been my priority, ensuring that they never fall behind schedule. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be applied.
Consumer complaint received 2023-05-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (PA)

A new collection was opened on XX/XX/2023 at XXXX XXXX. Not really sure from when considering I dont remember ever going to XXXX XXXX for anything. I also have state health insurance so either way this would have been paid in full.
Consumer complaint received 2018-03-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (TN)

Our office represented the buyer of the property located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX in a purchase that closed XX/XX/18. 

Mr. Cooper holds the seller 's mortgage secured by the collateral property. 

Mr. Cooper provided a payoff estoppel letter dated XX/XX/2018 that had a payoff figure of " Total Amount to Pay Loan in Full ( through XX/XX/18 ) '' of {$250000.00}. 

Our office remitted {$250000.00} by wire transfer XX/XX/2018 and received a wire confirmation from our escrow accountant at XXXX XXXX CST on XX/XX/18. 

Mr. Cooper then returned the wire to our office without explanation over 10 days later on XX/XX/2018. We contacted Mr. Cooper that day by phone but the representative was not able to provide an explanation. 

In a quick XXXX search, we found a notice of foreclosure and contacted the law firm referenced in the foreclosure notice. The law firm as similarly been unable to help in resolving this situation. 

Mr. Cooper is refusing to honor the payoff statement dated XX/XX/2018. Mr. Cooper has now provided an updated payoff statement good through XX/XX/2018. 

On Wednesday XX/XX/2018, a Mr. Cooper representative furnished the payoff statement good through XX/XX/2018 and verbally verified an additional {$700.00} was claimed owed. In an effort to resolve the dispute resulting from Mr. Cooper 's failure to honor its own payoff statement, our office remitted {$250000.00} by wire transfer and received confirmation of the transfer from our escrow accountant at XXXX XXXX on Wednesday, XX/XX/2018. 

Mr. Cooper acknowledged receipt of these funds in a phone discussion with the seller 's title company yet on XX/XX/2018, claimed yet another shortage was now owed in the amount of {$850.00}. The seller 's title company wired this shortage to Mr. Cooper on Wednesday, XX/XX/2018 and the confirmation references the transfer was completed XX/XX/18 at XXXX XXXX EST. 

Mr. Cooper has now called our office and requested by phone an additional {$1600.00}. 

Mr. Cooper has failed to honor two written payoff statements and three verbal payoff confirmations at this point.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

was over charged for my credit card for XXXX for XXXX balance that I reported that I didnt make from late fees on my account they keot charging me so I have a XXXX balance iwed with XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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: Experian Information Solutions Inc. (TN)

While looking at my credit report, I realized that there are several unknown inquires on my report damaging my score. According to the 15 U.S.C 1681 law there should not be any damages on my report, this is a defamation of character. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I did not consent, nor benefit from, or authorize any of the following Accounts : XXXX. XXXX XXXX XXXX XXXX report furnished by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - report furnished by Experian. XXXX. XXXX XXXX XXXX XXXX - report furnished by XXXX. XXXX. XXXX XXXX XXXX XXXX - report furnished by XXXX XXXX XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Pursuant to 15 USC 1681 ( b ), you did not meet the needs of commerce because I do not find my consumer report to be fair, accurate and equitable to me.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

Walked into JPCHASE on XX/XX/22. A rep name XXXX XXXX of ( XXXX XXXX XXXX, XXXX, IL XXXX ) asked me to come in his office to see what HE can do for me. I explained how I was directed by XXXX XXXX to complete a form XXXX  the lady advised me to go to Chase bank which was close to me to get the ( financial bank portion of the form filled out ) XXXX form from XXXX XXXX. He said, " this form must be new, I've never seen this one. '' He asked for my ID, which I complied, XXXX went on to say, what securities was I redeeming today? that's the only way I would be able to get a XXXX stamp from chase. I asked can I still get the authority stamp for the account verification, " he said, we CAN NOT help you '' I never got the stamp, left feeling very sad and underserved left and got something to eat and my chase account was denied. Went to get on the bus and my card didn't work. 

1. I move in honor, never stolen, never compromised my bank account. Why would they close it. I have never breached my contract with CHASE BANK. ( truth in lending ) 2. I never made not one transaction in that bank, why would they cut off my card.

3. The representative need to be more educated in customer skills as well as financial banking.

4. Chase not to allow, one person to have a quick and authority closing of an account, without even consulting the person. When the person has made NOT one banking transaction. So COULD I HAVE BEEN PROFILED 5. Immediately reopen my bank account Fee Free.

6. Compensation for this major error that has caused enormous injury and an avalanche of emergencies to occur.

I have attached a copy of the XXXX form, which I had.

16 CFR 433.1 ( g ) ( f ) 433.2, 433.3 If chase agree, we don't have to go any further, if chase disagree, here are my next steps : Send me a record of accounting for any and all bank accounts both public & private according to the stipulations of GAAP ( General accepted accounting principles ) Send me my original contract, application you know my security.

gratitude
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. Experian, XXXX, and XXXX assumed this role without permission, not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, they were unfair, they were partial. 


They never had a permissible purpose Under 1681 b number 2. I never instructed them to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2023-07-12
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}