davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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: DISCOVER BANK (AL)

XXXX has allowed Discover to report that my closed account ( of 6 years 7months ) was recently late. This has caused my payment history ( 35 % of XXXX ) to go from Good to Fair. 

This report is unlawful because this account hasnt been opened for 6 years and 7 months. 

This account is scheduled to be deleted from my report in XXXX ( approx 5 months ) why is discover now reporting the account as late when I filed for bankruptcy in 2016.
Consumer complaint received 2023-12-14
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: CITIBANK, N.A. (MA)

on XX/XX/24 stateline XXXX charged my XXXX for a part. I called to cancel the order but the charge was not returned. I was not able to successfully get XXXX to return the charge so i filed a dispute with citi bank for goods not recieved. 

On XX/XX/XXXX citibank closed the dispute in favor of XXXX. I filed a 30 day demand letter and contacted the XXXX XXXX XXXX and XXXX returned the money. 

citi however posted the XXXX to my account a second time. I have contacted citi bank XXXX times to return the money and since closed my account. They have not yet processed the return. I requested a refund for the yearly account fee that they had charged for the upcoming year since my account was closed. 

XXXX did not properly investigate my claim. They did not provide me the response from the merchant or contact me for more information. 

I am now also requesting a refund for the interest they charged for the invalid purchases posted to my account totaling XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 5 months = {$77.00} interest paid from the purchase posted by XXXX 25 % XXXX for a monthly interest rate of 2.08 % XXXX x XXXX = {$15.00} interest per month x 2 months = {$31.00} Citibank also says they do not have the ability to return this interest and have been giving me the run around from department to department.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (AZ)

I began receiving phone calls from United Collection Bureau regarding an alleged debt that I am unaware of. 

The phone calls are before XXXX and sometimes after XXXX. In a 7 day period I have received over 10 phone calls, sometimes being called twice in one day. Ive been bombarded with phone calls and voice messages. 

I have received no explanation for the debt and have never received an account number via paper mail or any type of notice from the company but have only received demands for payment.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (NY)

On XX/XX/2023 i get a credit alert of a collections hitting my report. I have not received any letters in regards to the debt nor have a i received any verification, of the debt. 

The debt collector failed to validate the debt. By law 15 usc 1969g Confess states they must provide all XXXX requirements. Pursuant to 15 usc 1692g XXXX does not state that providing this validates the debt, pursuant to the FDCPA. 15 usc 1692a 5 ) XXXX ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Furthermore under 15 usc 1681 Consumer reports are our reputation and furnishing a bad debt has ruined the reputation of the consumer ( myself )
Consumer complaint received 2023-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

My home went into foreclosure and I called on XX/XX/XXXX  to get a forebearance or other steps to stop the sale scheduled for XX/XX/XXXX  at XXXX. I was assured by my contact at Shellpoint Mortgage Servicing ( XXXX XXXX ) at XXXX on XX/XX/, that I was approved for a forebearance and the sale on XX/XX/XXXX  would be stopped. I found out Friday XXXX  at XXXX that my home had been sold. I've tried repeatedly to get Shellpoint to correct this, the purchaser of my home is willing to stop the sale as long as they get a refund of the money they paid. I'm being given a run-around by the Shellpoint reps and my point of contact ( XXXX XXXX XXXX is no longer taking or returning my calls.
Consumer complaint received 2021-05-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (AZ)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-01-24
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)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received a phone call from a scammer on XX/XX/2023, whose caller ID came up as being Chase customer service. The phone number that came up on the screen also matched the XXXX number for Chases customer support line. I picked up the phone and the man on the phone informed me he was a customer service representative who was reporting fraudulent activity to me. A week or so prior I had an incident of actual fraudulent activity on my account so I thought that the man on the phone was calling me in regards to further attempts from that same incident. The man on the phone said he would help me set up a new account for me to which I could transfer the money into as to avoid further fraudulent activity. He read back to me the last 4 digits of both my checking and savings accounts which made me think he was an actual representative. I ended up transferring the {$4000.00} I had in my account to this supposed new account which had my name on it at the time of the wire transfer. It wasnt until after the call that I was able to see the wire transfer statement which showed that the account had been given my name as the account nickname and I had actually transferred my money to a man named XXXX XXXX. I called Chase back later that same day to report this activity and I was told that a report would be filed and the proper actions needed to retrieve my money would be taken. I called back some days later to check on the status only to find that the representative I spoke to did not file the report correctly and they would have to get my information again. After over a month of me calling to check in with them and even scheduling a meeting with a banker in person, I was finally told over the phone by a account services representative that no one at Chase could help me get my money back.
Consumer complaint received 2023-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (PA)

Linebarger Goggan Blair & Sampson, LLP is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. They have contact me without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ) and violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Linebarger Goggan Blair & Sampson, LLP to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*
Consumer complaint received 2019-11-23
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. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXXXXXX XXXX  XXXX, FL XXXX-NOT MINE  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE
Consumer complaint received 2023-06-05
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: Mercedes Benz Financial Services (CA)

Someone opened a car loan using my stolen personal information. I have sent them an abundant amount of information to prove my identity theft claim. They are still trying to say it's a valid account and ruin not only my credit worthy and also pretty much put me in a situation to become homeless. I have applied for over 5 different home loans and have gotten denied to rent or own due to this fraud account. Im so lost at what to do next I feel the next step is to sue this company. They have violated several of my FCRA rights. Whoever opened this fraudulent account, the detective that is working my case believes they know me very personally. I had and still have a fraud alert on my credit that states to contact me before issuing any services or goods and they failed to do that. They have never attempted to call, text or email me anything. I only found out about this account when I tried to apply for my home loan and was denied and I immediately contacted them and sent over all the requested documents. I have sent the information over to them several times. I believe what they are is against the law. Im going to continue to fight for my rights. Its sad that I'm already fighting to regain my identity back and now have to have with this company. I have found out about 37 different accounts that were open and out of all them Im only have problems with two To give advise to any consumer looking to purchase a vehicle or get a credit card STAY AWAY FROM MERCEDES BENZ FINANCIAL and XXXX XXXX. they will not help you if anything like this happens to you, its very sad.
Consumer complaint received 2023-06-05
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (NJ)

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.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-06-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (MI)

Collection detected on credit report Debt Recovery solution balance of {$170.00} I contacted DRS on XX/XX/2023. I am unaware of this account I didnt receive any letters about this account through mail. I did not open this account. Ask for removal off credit report
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Privacy Act of 1974 prohibits the federal government from disclosing any personally identifiable information about me without my consent. My transaction history is clearly personally identifiable information. It includes my name, address, phone number, and the dates and amounts of my purchases. 

The CCPA gives me the right to request that businesses delete my personal information. My transaction history is clearly my personal information. It is also information that I have not given my consent to be shared. 

The GLBA prohibits financial institutions from sharing nonpublic personal information with third parties without my consent. My transaction history is clearly nonpublic personal information. It is also information that I have not given my consent to be shared.

The FCRA gives me the right to dispute inaccurate information on my credit report. My transaction history is not accurate. It includes purchases that I did not make.

15 USC 1681 prohibits consumer reporting agencies from reporting information that is not accurate, timely, or relevant to a consumer 's creditworthiness. My transaction history is not accurate, timely, or relevant to my creditworthiness.

16 CFR 433.1, 433.2 and 433.3 require consumer reporting agencies to follow specific procedures when investigating and responding to consumer complaints. I have already submitted a complaint to each of the three major credit bureaus, but I have not received a satisfactory response. 

I respectfully request that you remove my transaction history from my consumer report immediately. If you do not comply with my request.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I had a couple accounts open, 2 of which those were XXXX accounts for my XXXX, they closed those as well and they were in good standing.. Wells Fargo said that my accounts were gon na be closed due to filing claims due to charges that werent mine.. Idk why they did that, if a customer sees a charge on their account that theyre not aware of, the right thing to do is to file a claim which I did.. But the bank didnt like that do they closed my accounts, mind you most of these claims were always in my favor..
Consumer complaint received 2023-06-05
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: CrossCountry Mortgage LLC (FL)

I have a mortgage with CrossCountry Mortgage, and I'm disappointed in how they haven't resolved the credit reporting error ; and violated my consumer rights under FCRA. This error has ruined my credit, along with my husbands. In the month of XXXX I attempted to make a payment online how I normally would however the system was down ; The previous day I used bill pay from my external account that posted on XX/XX/2023 XXXX. In essence on XX/XX/2023 I called to initiate my payment by phone i/a/o {$2800.00} with a representative over the phone which I was charged a fee to do so. She was a nice associate ; however she must've inputed my account numbers incorrectly because my bank XXXX was not presented with the payment. I received noticed that the payment that I made by phone was returned, and I was charged a late fee, along with a bad check fee which have bot been refunded to me. For several months my husband, and I have been impacted due to the human error of the associate ; I reached out on several occasions to resolve the issue ; and requested a call back, I was not extended that courtesy. I was told to use a secure message portal, because the lender doesn't have a phone associate that I can speak with pertaining my issue. The response is not consistent with the certain set of facts.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (SC)

The company is currently reporting two missed payments on my account. I was never late, Ive reached out to them on multiple occasions to have this resolved. Spoke with two agents and they both was promising to have them removed.