davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

I have an long term on going issue. I have sent out my documents on numerous times and I have done everything asked of me from XXXX, Experian and XXXX yet and still I am unable to pull my reports. There is something going on my reports and I am unable to participate in credit but can't figure out the issue because I can't get the reports. I have verified that there are no alerts yet I can't pull anything. XXXX in particular I can't even pull with my credit monitoring. I'm loosing money and this is really having an effect negatively on my life.
Consumer complaint received 2020-08-28
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. (VI)

There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX, a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, Experian and XXXX.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Re : Demand for Deletion of Unvalidated Debt ( Account # : XXXX ) To Whom It May Concern, I am writing to demand the immediate removal of a debt item listed on my credit report by XXXX XXXX XXXX, which has failed to be validated as required by the Fair Debt Collection Practices Act ( FDCPA ). 
Per my rights under the FDCPA, particularly sections 809 ( a ) and 809 ( b ), I sent a certified letter to XXXX XXXX XXXX that was received at XXXXXXXX XXXX on XX/XX/2023, requesting comprehensive validation of the referenced debt. This letter explicitly demanded the following : XXXX. A complete and itemized statement of the alleged debt, including the original contract or agreement. 
XXXX. Proof of XXXX XXXX XXXX 's authority to collect this debt, including evidence of the assignment or purchase of the debt. 
XXXX. Detailed account activity, including the date of last payment or charge. 
As of today, XXXX XXXX XXXX has not provided any of the requested information. This failure constitutes non-compliance with the FDCPA, which states that a debt collector must cease collection efforts until they have provided adequate validation of the debt when requested by the consumer. 
In light of their inability to validate this debt, I assert that its continued presence on my credit report is unwarranted and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that only accurate and verified information be reported. Unvalidated debts fall short of this standard. 
Therefore, I demand the following immediate actions : XXXX. The complete and permanent removal of this unvalidated debt from my credit report. 
XXXX. Written confirmation of the debts removal and an updated copy of my credit report upon completion. 
Failure to act on this demand may compel me to take further action, including seeking legal counsel for potential violations of the FCRA and FDCPA. 
Please treat this matter with the urgency and seriousness it deserves. I expect a written response confirming the deletion of this item within 30 days. If the collector claims that the file was sent, please provide proof of delivery such as tracking number.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FISERV INC. (NJ)

On XX/XX/2024 funds in the amount of {$4800.00} that the State of NJ put on a money Network card in compensation for XXXX insurance was fraudulently stolen from account. There was a transfer to personal banking account for the entire amount, transferred to an unknown account. This service can obviously be hacked. The card was never used, never taken from my home and never even activated. The day after downloading the app and viewing the balance the funds were fraudulently transferred from my account without explanation. I Followed all the appropriate procedures directed by money network, filed an ACH claim, gave all required information. They determined that no error occurred in a form letter denying my claim. Have tried several times to contact Money Network to dispute their check dispute operations determination. They offer only a fax number. Their Customer Service representatives have information regarding my claim filed but offer no assistance in the matter. When I try to call anyone in claims department the call gets routed to an automated service and hangs up. This is obvious ACH fraud. I want my stolen funds back in the amount of {$4800.00}. 
Case Id # XXXX
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

IS U.S. Code $ 1681c-2 a consumer reporting agency shail block the reporting of any Information in the fle of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipe. it has been 30 days and you are in VIOLATION of this law because I am a victim of identty theftil Please delete these items IMMEDLATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 US Code 1681b - Permissible purposes of consumer reports ( ) IN GENERAL SUb to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION c consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CON to report amything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

I pulled my credit reports and noticed that Amsher Collection was reporting an alleged debt owed to Charter Communications ( XXXX ) for {$280.00}. I reached out to Amsher multiple times in writing to dispute the validity of this debt. They have only sent a billing statement from Charter Communications, but I never had those services activated at XXXX XXXX XXXX, XXXX, NC XXXX. 

I don't understand how I am being charged for services that were never active. Amsher wouldn't know that because they are simply collecting on behalf of Charter Communications, which is extremely frustrating. I have requested that Amsher cease collection and send the debt back to Charter Communications, but they have ignored my request and continue to attempt to collect on this invalid debt. 

Despite sending XXXX dispute letters, Amsher has continued to ignore my demands. I have requested they furnish additional documents or proof that I owe this debt, but they keep sending the same billing statement, which does not validate the debt 100 %. 

As a frustrated consumer, this account has caused my credit scores to drop, and on top of that, the company can't properly validate it. How is it fair that my word is against theirs when the only thing they have is a billing statement that doesnt prove the debt is mine? 

I demand that this account be removed from my credit reports immediately and that Amsher cease all collection efforts on this invalid debt. 

Thank you for your attention to this matter.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NC)

I paid off my Chase Credit Card on XX/XX/year> - the balance was {$1500.00}. The next day they charged me XXXX which I paid. The next day they charged me {$23.00} interest. I called Chase and they said the billing cycle ran from XX/XX/year> to XX/XX/year> and the {$23.00} was residual interest because interest accrues everyday. How can interest accrue on a XXXX balance? I closed the account when I talked to a representative from Chase, who would not help me whatsoever, except to say that the interest was owed. I do not want this to affect my credit scorXXXX. This was my XXXX XXXX XXXX ending in XXXX. 

Thank you for your help.
Consumer complaint received 2023-12-16
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. (GA)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Consumer complaint received 2023-05-25
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. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST MERCHANTS CORPORATION (OH)

Opened checking account online in XXXX of 2022. I was dissatisfied with the customer service and other aspects of the bank, so I decided to close. Multiple representatives refuse to close the account over the phone or online, saying I needed to visit a branch. There is not a branch close enough to me to get to during open hours, as I am at work nearly all of their open hours ( I specifically wanted a bank account with online and after-hours services ). The representatives informed me that despite this, I must go in-person during branch hours to close even though the account was at zero and I had opened it online. They also refused to downgrade the account to a fee-free version. I continued to pay the $ XXXX fee for an account I did not use and did not want, but got quite fed up with this after 6 months of no resolution. 
After two months of me refusing to pay the fees, they continued to charge the fees to the empty account anyway, and they have apparently found a way to finally close it without me visiting a branch ( which is what I had been requesting all along ). They have put a negative report on my banking record, though, and still demand the last fees I refused to pay.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I reached out to Equifax to unlock my account so I could life a credit freeze. For some reason they couldn't get my account to unlock. I also called their customer service number to attempt to lift my credit freeze over the phone, which they said they did, but it didn't go through. I'm applying for a mortgage and it's holding me up from continuing because I can not log into my account even after the allegdly reset the password. 

I'd like to be able to access my Equifax account to freeze and unfreeze my credit as soon as possible
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VI)

This debt was sent to a collection agency, which I paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.
Consumer complaint received 2023-12-17
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. (TX)

On XXXX XXXX XXXX XXXX XXXX XXXXXXXX balanced of {$12000.00}, I took a look at my credit report and noticed inaccuracies on my credit report. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I also stated to please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof of the negative payment status for this account, or delete this account with 30 days.
Consumer complaint received 2023-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Data Mortgage Inc. (CA)

My mortgage was transferred from XXXX to Essex mortgage a month after I purchased my home. Essex mortgage has the incorrect amount balance as I already paid my first months payment. I have attempted to email and call - no one answers emails or follow up emails and Essexs phone system says that due to their new system they are too busy to accept calls and consumers should call back later. Not only is my balance incorrect and a few cents more than what it originally was listed as, the company wont acknowledge my payments or my contact to attempt to correct the errors in their information.
Consumer complaint received 2023-09-18
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. (FL)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-26
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. (GA)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-12-17
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. (PA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

According to 15 usc 1681 ( a ) Experian is in violation of my right to privacy and information Id like private that is posted on my consumers report. 

Account : XXXX XXXX
Consumer complaint received 2024-05-17
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: CAPITAL ONE FINANCIAL CORPORATION ()

Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Laws Dear CAPITAL ONE AUTO FIN, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with relevant XXXX XXXX identity theft fraud laws. 

It has unequivocally come to my attention that CAPITAL ONE AUTO FIN has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Saint Louis identity theft fraud laws emphasize the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE AUTO FIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and showing an unequivocal disregard for federal and local laws.

I demand, with the utmost certainty, that CAPITAL ONE AUTO FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX XXXX identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obliga
tion under th
ese specific sections of the FCRA and XXXX XXXX identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE AUTO FIN will promptly rectify these egregious violations, respecting my rights under federal and local laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (KY)

I've never had an account with Chase. I tried to open an account online, and I received the following message : 'We can't open an account for you online. We'll send more information regarding our decision in a few days to the address you provided. ' I don't know why I'm being denied opening the account. I entered all my information correctly and got that message. I've never had an account with them, and I'd like to have one. I hope you can help me resolve my query. Thank you because Chase 's letter never arrives at my address.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Our loan was bought out by lakeviewloanservicing .. we had nothing but problems with them. They make it hard to pay.. last month they raised our payments even tho we were told that would never happened. They also took 2 payments out of my account. We called they told us it was almost impossible to get our money back on the extra. That we would be payed off for next month. Next month came and of course more problems.. they decided that they where going to put out money into the escrow and now we owe again ..please look at their reviews online ..they are making not just me suffer but many others ..please help us out..
Consumer complaint received 2023-12-17
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. (VA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED (IL)

I have court orders that im not responsible for the debt. it should be off my credit report .the debt is NTL Credit Systems for {$5400.00}. I have sent them the court papers signed by me and the ex and the judge and it keeps coming back on my report. im not responsible for this debt. needs to get off my report