davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In 2021, a USPS notice of change of address was sent to XXXX XXXX XXXX at XXXX XXXX XXXX indicating a change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX to new address, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX see attached. ( 1 ) Why was XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX ( 2 ) What prompted the change of address from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( 3 ) Why was there no explanation or alert/notice from SPS regarding this transaction ( 4 ) Where is the transparency? This is an unfair and deceptive act. ( 5 ) What mail ( s ) were sent to XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX Provide copies. ( 6 ) How long did XXXX XXXX XXXX reside at XXXX XXXX XXXX XXXX XXXX ( 7 ) The notice also states that " your mail will be forwarded to your NEW address, as you requested, on : XX/XX/2021- why was this change requested? and by whom was this change requested? ( 8 ) The notice also states, " mail will be forwarded for all persons at the old address of the following business : XXXX XXXX XXXX - what business was being conducted at XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXXXXXX  ( 9 ) Who granted SPS power of attorney to conduct business on behalf of XXXX XXXX XXXX? provide contract of power of attorney.
Consumer complaint received 2023-11-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IA)

I purchased a digital {$300.00} American Express Gift Card at XXXX ( XXXX XXXX ) and it doesnt work anywhere. Its denied at XXXX, XXXX, XXXX, XXXX, and I cant add it to my XXXX XXXX
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

credit acceptance reported on my credit report an charge off and the the account was open XX/XX/XXXX and that is was closed on XX/XX/XXXX and that there was no payments made i have proof that there was payments made all the way up until XXXX
Consumer complaint received 2024-05-09
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. (FL)

We bought a airfare with Chase travel for a person that unfortunately died almost a month before the flight. We called and tried to change the name on the airfare but it was not possible. They guide us to send an email to XXXX with the XXXX XXXX and all the information of the flight and case. 

We followed the instruccions and sent the inicial email on XX/XX/XXXX, we have followed up on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX with no answer at all. 
It has been already XXXX  months waiting for this refund or at leat a response on the case but no one answers me.
Consumer complaint received 2023-03-14
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-14
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. (NY)

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

Both of my parents received calls from phone number  XXXX  #  XXXX  for me fr om the county  court processor stating that i needed to call  XXXX  case number  XXXX . I contacted the number and spoke with  XXXX  ext.  XXXX . He stated that i owed  JC Penny monies  in the amount of  XXXX  dollars and if it went to court it would be in the amount of {$5200.00} but to avoid going to court they would settle for {$1000.00} if i paid today but i had to pay by the end of the day  Pacific Standard Time.  I did have an account with  JC Penny a ny years ago. I told them i would pay if i could verify their business. I could not verify their business with the BBB,    California department of Business oversight,  the Attorney General of California or even through  XXXX  with the address listed on the email i received.. When i contacted the business again and stated that i could not verify their business i was put on with a supervisor by the name of  XXXX   XXXX . He stated that their parent company name was   XXXX   XXXX   out of  XXXX   XXXX  California. I also could not find any information about this company.  XXXX  was getting very defensive once i was asking him about a business licence number or state licence number. He stated that California was an " open border state '' and that they did not need special licensing to operate in California. Then he proceeded to get rude and told me that i know i owed the money and just am refusing to pay. I told him that i had no issue paying once i could verify that  XXXX   XXXX   XXXX  or  XXXX   XXXX  was a legit business. Their address that they gave me was  XXXX   XXXX   XXXX   XXXX   XXXX  California  XXXX . That address is  a 27 sto ry building with multiple  suite and  they refused to give me their  suite number so i could verify with the property   management company. They did have my social security number and DOB which i concerning.
Consumer complaint received 2023-11-19
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. (TX)

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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. 2 XXXX  XXXX charge offs and syncb account.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS. I SHOWED THEM MULTIPLE TIMES OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681i ( 5 ) THE CREDIT BUREAUS SAID EVERYTHING WAS COMPLETE AND ACCURATE AND I ASKED THEM HOW IF THE OPEN DATE IS WRONG, BALANCE IS WRONG, PAYMENT STATUS IS WRONG, LAST PAYMENT WRONG, ACCOUNT TYPE IS WRONG. 

THEN I ASKED THEM TO PROVIDE ME DESCRIPTION OF THE INVESTIGATION ACCORDING TO 15 USC 1681i ( 7 ) AND THEY NEVER ID. I HAVE PROOF OF MY LETTER FOR THAT. 

ALSO, ACCORDING TO 15 USC 1681 S-2 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. 

THIS IS VIOLATION AFTER VIOLATION. THIS IS CAUSING ME STRESS BECAUSE I HAVE NO HOPE WITH THIS SYSTEM.
Consumer complaint received 2023-11-19
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. (TX)

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. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 an 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. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Consumer complaint received 2023-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nelnet, Inc. (FL)

U S DEPT OF EDXXXX Account : XXXX U S DEPT OF EDXXXX Account : XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am victim of identity theft. I have submitted information to the credit bureaus and included a notarized affidavit, ftc report etc due to all accounts that have been compromised by theft. However, they have not been abiding by the FCRA laws which they should take the proper procedures to fully investigate the theft matter. They havent assured any accuracy. They are using 3rd party data-base. In continue to report false and in-accurate information.
Consumer complaint received 2023-11-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (CA)

My complaint is with AMSHERCOLLECTIONSERVICES. 
The original creditor was XXXX XXXX XXXX. For the amount of {$770.00}. This account was originally my XXXX account closed in XXXX and was discharged in my bankruptcy. The collection company duplicated the account and used my company name rather than my name and reported it to my credit for the same exact amount {$770.00}. They claimed it was a separate account but they just used the company which is under the same social security number as my personal name which is as on the account. They knowingly duplicated my account and reported it to my credit ad a open account and changing the dates to be current over 10 times. I disputed the claim and it was removed every time. When the dispute was in my favor and removed from my report they changed the dates to be current and reported it again most recent report to my credit is Between XX/XX/XXXX and XXXX XXXX, XXXX, they claimed it is a open account yes this account has been close since XXXX and discharged by my bankruptcy since XXXX. I contacted the collection company and they said they could not help me and I needed to contact T-Mobile which I did, t mobile had no record of this account nor did they help me in any way. This collection service is fraudulently reporting inaccurate information repeatedly to my credit rating and trying to collect money from me using extortion which has cause me financial distress and lowered my credit score significantly. This has been re reported to my credit continually multiples of times starting in XXXX till this year XXXX. I am contacting a lawyer to start a civil suit for damages against this company and would like to press charges what ever I can do to stop the fraud they are perpetuating on consumers. Please help me stop this abuse. 
Thank you, XXXX XXXX
Consumer complaint received 2023-06-07
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. (NC)

I was a victim of identity theft. I did not have the option to upload these documents and was advised to mail them. To be honest, mailing letters to the credit bureaus has been a complete waste of time because nothing has been done. Attached you will find the following : Dispute letter ( Identity Theft ) Police Report FCRA 605B Photo ID
Consumer complaint received 2023-03-14
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4400.00} ;
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (FL)

My husband financed a vehicle with me also as an account owner in XX/XX/2023. My husband and I both own the vehicle and my name is on the account. The creditor only sent statements addressed to my husband causing an oversight and missed payment, which then went on my credit report. The creditor claims they are not required to send statements addressed to both account owners. ( One phone representative even said that all the names dont fit on the mail, though we have mail from other joint accounts addressed to us both. ) I requested the creditor to add my name to all mail and to also remove the derogatory mark from my credit report and they are refusing to grant either request.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

Someone opened an American Express Card in my name and racked up the balance and never paid on it. I HAVE NEVER EVER HAD AN AMERICAN EXPRESS CARD IN MY LIFE! This is affecting my credit scores now and I want this removed! My name and SSN is on the Dark Web!
Consumer complaint received 2023-10-21
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. (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.

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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a a letter to each credit bureau, XXXX, XXXX, and TransUnion on XX/XX/2023 to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 days..