davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

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 for the Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX, Account # XXXX. The Credit Bureaus stated my accounts was properly investigated and/or verified. How is that possible if the date last activity is inaccurate, chargeoffs amounts are different, and/or the opened/no closed date for written/charge offs accounts shows on my credit report as a closed account before the open date of the account. This grounds for removal as they have multiple errors that have violated my rights under the following laws : 15 U.S.C. 1681 section 602a States I have the right to privacy. 15 U.S.C. 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C. section 605c a. section 1 : Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 15 U.S.C. section 603XXXX in which an investigative consumer report requires personal interview based on character, consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX XXXX XXXX : The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
XXXX XXXX XXXX XXXX XXXX The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent. 
-Experian Information Solutions , Inc. : The credit bureau did not provide an accurate investigation within 30 days as I have attached my certified mail tracking # XXXX XXXX XXXX XXXX XXXX and the request letter sent.
Consumer complaint received 2024-01-25
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. (CA)

I had my personal identity stolen and my Chase debit and credit cards information was compromised and was then used fraudulently to purchase several items in another state ( Florida ) and to secure another card without my knowledge. On XX/XX/XXXX, when I received the alerts from Chase Bank of these suspicious activities, I immediately notified the Customer Service Representative and preventive actions were taken and was told of other activities that was not authorized by me. I told the Customer Service Rep that I want to decline all the unauthorized transactions and would like to get reimbursed and will dispute them. Although some of the fraudulent transactions were caught on time and rejected, a few were able to make it thru and were posted on my bank statement and were disputed. On XX/XX/XXXX, I received a message from Chase that my disputed claim ( Claim # XXXX ) was denied based on their investigation as " authorized '' and therefore the amount of {$36.00} that was credited to my bank account will be taken back. It's the principle that counts and not about the small amount. 

On XX/XX/XXXX, I wrote a letter to the Claims Department in Texas to appeal this decision with all my supporting documentations and so far, have not receive any replies.
Consumer complaint received 2024-01-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACQ Holdings, LLC. (TX)

I was contacted by XXXX XXXX on XXXX in regards to debt owed with Easy Cash approximately taken XXXX. The person that called me was XXXX XXXX at XXXX regarding making payment otherwise the case would go to court. On XXXX I requested a validation letter from her. I was emailed the information via XXXX from a XXXX XXXX XXXX on XXXX. Which when you open the XXXX it states that this has been signed. There was no information to click on if I agree or how to dispute. There are several red flags with this company website XXXX - is generic. Their letter head has an address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX that goes to a postal annex. XXXX XXXX voice mail does not state a company. On XXXX at XXXXXXXX XXXX XXXX I contacted Easy pay at XXXX. They said the account was transferred to the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They gave me their website XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke to them, and they are sending a validation letter via mail XXXX XXXX called again today XXXX to see how I wanted to move forward. I told her I had talked to Easycash and they referred me to XXXX, and XXXX PA. I then told her I would be working with them and to ceast and desist. But then she called me back and said she was not sure why they had sent the collection to another attorney when they are supposed to handle. She also told me to be careful. At this point I just want to know who legitimate and what information is correct. I want to validate that this is a true debt and to whom is to be paid so that this can be resolved before I get taken to court.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute several pieces of inaccurate information that I have found on my credit report. I request that these items be removed as soon as possible. 

XXXX. XXXX XXXX XXXX accounts are listed with the same ending account number ( XXXX ) but they are in fact different accounts. 

XXXX. The XXXX XXXX account listed on XXXX for {$20000.00} has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. The XXXX XXXX account listed on XXXX for {$12000.00} also has an incorrect account number. The correct ending account number is # XXXX. 

XXXX. There is a discrepancy in the amounts owed to the company XXXX XXXX XXXX XXXX XXXX XXXX accounts. Theyre stating the amounts that need to be paid is {$22000.00} and XXXX XXXX.The XXXX XXXX accounts ( on XXXX XXXX {$20000.00} being owed ) and ( XXXX account states {$20000.00} for XXXX XXXX ) being owed but the amount that needs to be paid is {$22000.00} they also have the XXXX XXXX account for {$3200.00} and it say amount owed is {$3400.00}. And this is on XXXX, XXXX XXXX, Experian. 

XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX for the amount of {$4800.00} needs to be disputed on both Experian and XXXX reports. 

XXXX. XXXX XXXX XXXX account # XXXX in the amount of {$4200.00} needs to be disputed on both Experian and XXXX reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in the amount of {$890.00} needs to be disputed on XXXX, XXXX XXXX, Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$480.00} needs to be disputed on both XXXX and XXXX reports. 

XXXX. XXXX XXXX collection/write off in the amount of {$8100.00} needs to be disputed on XXXX. 

I demand these items be removed immediately from my report. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq., all information must be correct and accurate. I have included copies of my bank statement, and my driver 's license from the state of Florida for verification purposes.

I look forward to your prompt attention to this matter. Please inform me as soon as these corrections have been made.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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.

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 2024-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC (OR)

So this account is from like 8 years ago and I had my wages garnished untiXXXX XXXX XXXX when XXXX XXXX XXXX XXXX  and will not be able to work most like ever Im currently applying for ssdi my XXXX is worsening. They served me papers again but this time its for way more than it was before and Ive already paid some back from garnishing Ive tried calling and left emails I hear nothing back Im trying to see if they can write this off but they refuse to answer their phone or return emails and when I talked to them nicely last time the lady was extremely rude and disrespectful company is Johnson mark XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: DriveTime (IL)

DT Credit XXXX XXXX XXXX, AZ XXXX XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX, XXXX, XXXX XXXX did not unauthorized report
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (PA)

In XXXX I was set to appear in magistrate for debt but was never served any paper or notice. Commonwealth Financial Systems stated that I was notified at XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX was who entered my appearance and also worked for this debt collector. She signed the original filing docket as the plaintiff, but appeared on my behalf without CONSENT, the continuance request she asked for was XX/XX/XXXX. I was not notified nor present. I was in XXXX colleges dormatory. 
In XXXX of XXXX I received a letter from Commonwealth Financial Systems stating their intent to collect. I contacted the original magistrate and was informed this judgement was expired in XXXX. An attorney said to ignore the letter due to it not being sent certified mail, or by constable. 
The next letter stated a sale of debt to XXXX XXXX in XXXX XXXX Georgia. Where one again XXXX XXXX XXXX appeared for me. I was not notified. XXXX XXXX XXXX deputy XXXX XXXX and I corresponded and this document of sale does not exist in Georgia. 
Commonwealth Financial Systems was able to have {$8400.00} taken from my savings account at XXXX XXXX without my knowledge nor consent of these intentions or legal disclosure. I was not notified to have any ability to defend myself by any of the acting parties. 
The debit in my savings account statement was listed as Commonwealth Financial Systems. However the writ received by XXXX stated XXXX XXXX XXXX XXXX who are not a law firm, who did not file any court papers, but XXXX XXXX XXXX XXXX is the person on my bank statement. 
This law group is performing shady practices and somehow being able to get away with it. 
I have every single piece of paper from the courts, counties, and states ( which I was not residing in, or never resided in ). 
I want their Barr license removed, I want their inc investigated, and I want my funds returned. I am as a United States citizen guaranteed a fair trial or means to defend myself. 
They never even had an account number for me.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair Credit reporting act. The account list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX and XXXX to reinvestigate these accounts Capital one account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the when if the open date, date of last activity and mucg more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-03
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. (GA)

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 3rd 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 2024-01-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

Reminder : XXXX The statement of complaint citation Identity Theft 18 U.S.C. Section 1028A, treasury sales promoter 's fraud on contracts, and the financial statement arrangement disclosures ; allocation name reportable, the descriptions, Excise Exempt Property 28 U.S.C. Section 791, 12 C.F.R. Part 360 reportable periods, Salaried Income Tax Refund 1040 transactions purpose means, depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means. Notice of Creditor 15 U.S.C. Section 1635 Transaction Rescission Rights :
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Hello, After consolidating my XXXX loans with XXXX, my credit report shows double the XXXX loans that I should have. We are in the process of purchasing a home which means this has hurt our debt to income ratio with our mortgage loan processor. We need these loans removed as soon as possible. 

I have contacted representatives at XXXX, XXXX, and Nelnet. 
Nelnet explained that they sent the appropriate documents to XXXX showing my loans were paid in full. This would mean I should only show XXXX loan balances with XXXX. 

After contacting XXXX multiple times, they said they had not received any paperwork from XXXX and have opened up multiple disputes on my behalf. 

I do not understand where the bottleneck is coming from, but one of these companies is not processing my updated XXXX loan information. I need assistance in figuring out which company it is in order to correct my credit reporting with XXXX and all credit reporting agencies and improve my debt to income ratio. Is this something your office can assist with?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

i request a security freeze thru LexisNexis to suppress my personal info in which i received confirmation of the request, however the reporting agencies ex : XXXX, XXXX XXXX XXXX all stated that the information their reporting is coming from LexisNexis in which shows inaccurate on all 3credit bureaus.please have them stop reporting inaccurate information
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

I received an alert that I was put into collections. Upon further review and investigation, I realized that I was a victim of Identity Theft. Someone applied for an apartment in Texas under my name. I have lived in New Jersey for my entire life and never have done any transactions in Texas. According to Genesis, the application was put in at XXXX XXXX XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

I have been a client of American Express For About A Year With Good Payment History. However After Reviewing My Credit Report I Have Noticed Late Payments On My Report. American Expressed Switched My Account To Another Department Without My Knowledge, resulting in several late payments as I was completely unaware of the switch, unaware of the department along with the contact information of department. After several attempts of contacting American Express to pay on time, I was consistently given the wrong information which resulted in these late payments. I tried to resolve this issue with company, but they refuse to help although as a consumer I feel my rights were violated 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-12-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

On XX/XX/2023 I wrote an email requesting to dispute a debt from the creditor due to the incorrect balance amount that was shown that I owed. I was told to send documentation via email and that they stopped the dispute and would not put anything on my credit and I did. On XX/XX/2023 I attached a balance sheet from Genesis Credit via email to their employee XXXX XXXX- showing that the company said that the balance was {$18000.00} and was sent on XX/XX/2023. Yet, when they called me their balance was different and the amount was around $ XXXX. I kept following up with the company asking for verification of the debt via email and phone calls XXXX times after and they ignored me and reported the information on my credit instead. On XX/XX/2023 I sent another email and called Genesis twice requesting a debt validation letter again. On XX/XX/2023 I received a voicemail from their employee XXXX from her personal cell phone number saying that there was an emergency and I needed to call her ( she could see that I probably disputed the account ). Once I spoke to her she began to lie about the process of the dispute, the balance amount and even went to the degree on the phone call to say that they couldnt get ahold of their client to verify the debt and that youre being difficult so I am going to write down that youre refusing payment. I repeated XXXX times on the recorded phone call that I did not refuse payment. I called back and spoke to her supervisor XXXX who informed me that XXXX did mishandle my case and he advised for me to dispute the case with credit agency directly because he saw on his side where the client could not verify the correct balance for the debt that they bought from XXXX XXXX. He also stated that XXXX mishandled my case by reporting it directly to the credit bureau the day she spoke to me- she did not stop the collections as she told me she would for a dispute. She reported the information the first week I called her out of retaliation. I am attaching all balances that I have been told I need to pay or Ill be sent to jail and that this is such a high balance how are you ever going to pay it including the initial balance that was told to me but all of a sudden each month the balance changes.