davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (TN)

Milestone Credit Card was closed end of XXXX by the company. I paid all fees. Over 3 months later XX/XX/XXXX I was issued a refund to that card. To my surprise milestone still is using my personal information. I asked that the refund be returned to the issuing party and all of my Information be cleared from their system. My request was refused. I asked that I be sent either the paper I signed that milestone can still access my personal information after account closure and they refused. I also requested my {$280.00} refund be expedite again a refusals. I asked several times for return calls the information and an expedited check for the refund with no success. I want to see the legal papers that gives them access to that information after account closure and I want my refund immediately
Consumer complaint received 2023-09-06
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. (DC)

The bank, on behalf of XXXX, sent me a false, misleading, and materially incorrect letter. 

It refers to credit report data, but no credit report is listed. My credit reports are frozen due to identity theft. 

The reduction letter asserts that there is no mortgage data on my home, while I have a mortgage with XXXX and have had the same since 2008. 

The report says I have too many inquiries, which are false, misleading, and fraudulent. I have less than four authorized I have inquiries. 

The bank says I have cars with high balances, yet I have at least four cars with a XXXX balance, overpaid ( credit ) balance, or no balance greater than 25 % of the authorized credit.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
XXXX  XXXX EXPERIAN I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 XXXX ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 EXPERIAN ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Subject : Request for Deletion of Unauthorized and Unrecognized Hard Inquiries from My Credit Report Dear Equifax Consumer Dispute Center, I hope this letter finds you well. I am writing to formally request the removal of several unauthorized and unrecognized hard inquiries from my credit report, as listed below : -- -- -- -- - XXXX. XXXX XXXX on XX/XX/XXXX -- -- -- -- XXXX. XXXX XXXX  on XX/XX/XXXX -- -- -- -- - XXXX. XXXX on XX/XX/XXXX -- -- -- -- -- XXXX. XXXX XXXX on XX/XX/XXXX -- -- -- -- XXXX. XXXX XXXX on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - After a thorough review of my credit report, I can confirm that I neither authorized nor recognized these hard inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or unauthorized. Equifax, as a credit reporting agency, is legally obligated to investigate and verify the accuracy of disputed information within 30 days of receiving a formal dispute from a consumer. 

If Equifax can not confirm the legitimacy of these hard inquiries or provide proof of authorization during your investigation, you are mandated by law to promptly remove them from my credit report. 

To expedite the resolution of this matter, I kindly request that Equifax take the following actions : Initiate an immediate investigation into the aforementioned hard inquiries to determine their legitimacy and authorization status. 

Provide me with written documentation that proves the authorization for each of these hard inquiries. If you can not provide such evidence within the stipulated time frame, please promptly remove them from my credit report in accordance with the law. 

Ensure that all future communication related to this dispute is sent to my address listed above. 

I have enclosed a copy of my credit report highlighting the disputed hard inquiries for your reference. I trust that Equifax will handle this matter promptly and in compliance with the law. 

Please be aware that a failure to comply with my request within the specified time frame will compel me to escalate this matter to the relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). 

I appreciate your immediate attention to this matter and expect a timely resolution. I look forward to receiving written confirmation of the actions taken by Equifax in response to my dispute. 

Thank you for your cooperation in this matter.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

So the account was bought by someone else in the amount of XXXX. The company has reported that the balance is XXXX, but the credit limit is still XXXX, but if there's not a balance it shouldn't be there due to the Fair Credit Reporting Act. Since I technically Owe the company XXXX as per the balance I would like it taken off of my credit report please and thank you.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/XXXX I recieved a alert from XXXX. It read JP Morgan Chase account opening reported. On XX/XX/XXXX JP Morgan Chase reported a bank account opened with your SSN. 
Company JP Morgan Chase Inquiry date XX/XX/XXXX. 
phone XXXX The agent I spoke with on XX/XX/XXXX around XXXX told me he could not give me any information because I did not have a account with JP Morgan . I explained to him someone was fraudulently attempting to open up a account in my name per my XXXX  alerts. I then asked to speak with a manager, and he responded the same way. I asked could he transfer me to the department to help dispute it off my credit report, and he said yes but transferred me back to the automatic voice tool.
Consumer complaint received 2021-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2021, I was contacted by my XXXX XXXX concerning a fraudulent account on my credit report reported by Capital One. This fraudulent account does NOT belong to me. I have never received a bill or paid a bill for this account, which I understand ends with XXXX. I called the Capital One number, asked for Fraud Department, spoke to a rep named XXXX, and opened Case Number XXXX. On XX/XX/XXXX, I received a Identity Fraud Information Report to fill out and send in to their fax number XXXX with my Drivers License and Social Security Card. I have submitted this form three times with no response. I have called their Fraud Line XXXX every week and consistently get the run around that they are either working on it or unable to bring up the Case Number for status. I am told that they are not reporting the account to the three agencies during investigation but it is still showing up on my credit report. I am unable to understand why this bank that advertises everywhere and presents themselves as such an outstanding operation is so unresponsive, disorganized, and dishonest. It is now XX/XX/XXXX and I'm still trying to get a response. XXXX XXXX
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (VA)

I had several loans with the Department of Ed/XX/XX/XXXXI was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Consumer complaint received 2023-09-06
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. (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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (OK)

My paycheck comes on Monday or Tuesday night late it is submitted on Saturday night or Sunday over XXXX XXXX weekend on Sunday I received I believe the first text saying that I had 2 accounts and they need verification that I am who I am. I had ordered a chime account they sent a card I lost it I ordered another one. They did not cancel the old card but rather kept the {$570.00} on it and issued a new card along with my credit builder card which I activated at approximately the same time since they did not cancel and transfer the old card it made me have two accounts and the representative I talked to told me it was on chime and that they had made the mistake they asked for my ID proof of residence social security card signed. I sent all of that in and still have not got my account unsuspended. I replied to every email along with sending emails and called nine different times I'm not getting anywhere I face eviction court in the morning because my rent is not going to be paid due to the fact that my direct deposit is not accessible and the old part of XXXX is not accessible and hasn't been for months when I called to see what was going on and why it wasn't transferred that's where I got the explanation and then they suspended my account for having two accounts. I have not had water for a week and I'm facing eviction now and not a XXXX to my name because they will not unsuspend my account and return my money or just return my money they can not help me over the phone they say they don't have the equipment or means to receive the things they need over the phone even though it says in the email to provide the information in the email and then call customer service the email says to provide what they need and then call customer service which I have done numerous times nobody can help me and my money is not being released and my account is not being unsuspended and all this because of their error I have a XXXX XXXX XXXX daughter and I'm about to lose my house I think this is means enough to contact you
Consumer complaint received 2023-09-06
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. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

This debt is in relation to medications received by a provider that I was not informed was not covered in my network, while is was in XXXX XXXX XXXX in a hospital that is covered in my network.. I submitted an appeal with my insurance and they agreed that under the no surprises act, I am not responsible for this charge and I am not to submit any payments.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX  of XXXX, I contacted my agent at XXXX XXXX XXXX XXXX Insurance for the possibility of replacing a vehicle on my insurance policy with a new car. XXXX asked for the VIN and other information to run an accurate estimate which they gave to me, but I asked to wait, didn't sign to confirm, as I needed to shop for other insurance companies to check for a lower premium. 
Days later, on XX/XX/XXXX, I decided to enroll on an auto policy from another insurance company, XXXX, who had lower rates, and they automatically canceled my XXXX insurance policy. 
I was able to confirm the cancelation because that same day, I received a refund of {$53.00} from XXXX for an overpayment on my insurance premium as it was early on in my current billing cycle and my payments were setup on their Auto Pay system. Since I did not sign for the change, and because I got the refund, I assumed that I had owed nothing to XXXX. I also enrolled in their paperless billing options, and had not received any email saying that I had to pay them anything or that there was an outstanding balance in my account with XXXX. 

Flash forward to XX/XX/XXXX, I received a notification from XXXX XXXX XXXX, XXXX, XXXX and my banking apps that my credit score had gone down because of a collections account under my name from CCS Collections Agency initiated by XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX, I called XXXX and asked them to kindly remove the collections under my name, explaining to them what had happened. The representative told me that there was nothing they could do to remove the balance because it was valid in their system as the car was added on my policy even without me confirming or signing for it. Frustrated, I asked if they would notify CCS to remove me from collections if I just paid them the {$95.00} that was in collections, and their representative agreed so I paid it over the phone just to get it over with, even though I know for a fact that the {$95.00} charge was not valid. I have also filed disputes to the credit bureaus and they approved my disputes and adjusted my consumer scores. 

This past week however, I have been going through a process of buying my first home, but my credit history still shows the collections from CCS on my record, and it has hindered me to qualify for a mortgage. I called both XXXX and CCS, pleaded my case with them, but both companies refuse to help me delete/remove the collections records on my credit history. All they gave me were receipts of my payment, which does not help restore my credit scores to the way they were in order to qualify for a home loan. This predatory practice from both XXXX XXXX and CCS Collection Services have destroyed my credit history and damaged my eligibility as a potential home buyer. I have XXXX credit card debt, and have not missed a single bill payment. This is the only record on my Credit Report that is hindering me from being approved to purchase a home.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NJ)

as of XX/XX/2023 I had a balance of XXXX on my Home Depot credit Card. they offer promotional balances at not interest for up to six month on purchases over XXXX. A representative advised me back them to pay a total of XXXX in order to avoid interest charges which I did. as a courtesy she waived 1 month worth of interest and said as long I paid the XXXX I wouldn't be charge. once payment was done XXXX XXXX systematically applied the payment as a credit for the upcoming charges that were supposed to expired staring XXXX on and not for the recurring charges. as a result I'm paying interest on the balance as if I never made the payment. they conveniently take the payments for upcoming promo that's going to expire in the future even-thought I was told otherwise and it should be all notate it. Im disputing the amount of {$710.00} dollars worth of interest for recurring charges that I already paid
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-06
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX