davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX Ticket # XXXX OnXX/XX/2018 I applied for a credit card through XXXX XXXX  XXXX XXXX XXXX  and purchased a XXXX  phone ( XXXX XXXX ), case and screen protector. The cost of this purchase was {$770.00}. I was given a temporary card number ending XXXX. On XX/XX/2018 I returned the phone to XXXX  who insured me the credit will reverse the charges. Early XX/XX/2018 I received a credit alert that my credit was affected and I had an outstanding balance on card ending XXXX.

I went to the XXXX   XXXX # XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX, CO XX/XX/2018. I was given another promise that this charge will be reversed and my account will be closed per my request. The XXXX  representative at the time spoke with a representative at XXXX XXXX who stated this issue would be resolved within 30 days. XX/XX/XXXXI received another credit alert that my credit score dropped again affecting my ability to get a small loan. Again the XXXX representative called a representative for XXXX XXXX XXXX XXXX XXXX  and was given more information about what the issue possibly is.

The XXXX XXXX  representative stated the credit to revers charges was put against the temporary card ending XXXX and not the permanent card ending XXXX. This is an internal error and is causing me great credit grief as well as it is time consuming disputing charges that both XXXX and XXXX XXXX have documentation for. I was told on XX/XX/2018 this issue would be reversed, my account would be closed and they would be in touch with me with a letter confirming closure.

To this date XX/XX/2018, I have not received a confirmation ticket # XXXX was resolved. I called and spoke to a representative who told me this ticket is still open and I owe {$340.00} on a {$940.00} bill. This is unacceptable and damaging to my credit rating.

Mr. XXXX XXXX
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (AZ)

I was approved for a short sale with my Lender Ocwen on XXXX/XXXX/XXXX and have the approval letter for the short sale from Ocwen and a copy of the Final HUD-1 closing statement showing I was the seller. However, I have proof that XXXX is reporting this as a foreclosure on my credit report. This is reporting in error as this was NOT a foreclosure it was a short sale which only has a 4 year waiting period after the short sale to get qualified for a new home. I am trying to purchase a new home and because of XXXX reporting Ocwen as a foreclosure I am unable to get conventional financing and purchase a new home at this time. I need to get Ocwen to fix this with XXXX
Consumer complaint received 2024-03-02
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. (VA)

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.

has violated my rights. Or a list of inquiries : 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 2023-05-22
Product: Credit reporting, credit repair services, 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. (LA)

I did not authorize these inquiries on my credit report : 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 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 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
Consumer complaint received 2023-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (CO)

i received 2 letters from TRS recovery services XX/XX/XXXX. both were charges from XXXX, 1 FOR {$38.00} on XX/XX/XXXX and 1 for XXXX on XX/XX/XXXX. The reason was " stop payment '' they said my XXXX was returned by my bank. I never made an XXXX for these. When i saw the charges, i searched my orders on the XXXX app, and couldn't find one near that date for that amount. XXXX couldn't either. so, my bank issued a refund for both. XXXX says this has " still '' not been resolved '' This WAS the first time they contacted me. they wrote since it was unpaid, it is now in the nationwide database ( what's that mean? ) of their affiliate, Telecheck, they wrote that until this matter is resolved, Telecheck may not approve your checks or the opening of a new checking account at over 300,000 financial institutions that use Telecheck 's check acceptance and new account screening services nationally. and then that if I don't dispute it, pay them. I checked again, there are no orders for those dates matching this " DEBT ''. i sent a dispute letter, certified return receipt requested, and they signed for it on XX/XX/XXXX. CFPB said they can't make it impossible to cash checks etc. Lying about the consequences of not paying is considered debt collector harassment, according to the XXXX XXXX. And I'm judgement proof too ( Public benefits ). My XXXX  meds have stopped working because of this. I forgot to inform them that they were not in my orders, XXXX couldn't find them, and that I'm judgement proof. And I really want to add " so, good luck! '' that's not profane. I want this to stop, it's affecting my health. And since I'm XXXX, it will be hard to get a ride to the Post office to send it certified return receipt requested. I will do this as soon as i can. And I live below the Federal poverty line, so even paying for a ride, and 2 certified letters just adds something to my financial hardship. please do something about this for me. I hope that the fact that they harassed me will invalidate this debt. Reference numbers XXXX and XXXX this was a checking account, not a credit card. I have since removed this account from my digital wallet on my XXXX account. i have no idea why XXXX sent this to collect, since they flagged these transactions as suspicious and couldn't find them in my orders.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I received a message on XXXX of a XXXX XXXX XXXX  and she contacted me regarding a post I made on XXXX. She said if I wanted a mural of that post and I said yes. To do so I had to give her my username and password of my bank account and she said that I could trust her because one of the people she did it to also trusted her. I gave it to her and she deposited numerous checks to my account. The next day my checking account was in overdraft and I told her what she did and she denied that she had any part in that. She told me to buy her an XXXX gift card with an amount of {$500.00}. I knew something was off since the XXXX gift cards are only used for purchases of XXXX products. I didnt buy the gift card. She said that she could fix my overdraft account problem by depositing {$4000.00} in the checking account I have but only by giving her my debit card number. I didnt trust her so I decided to block her and since then she has been blocked. After that I have contacted my bank and they said that they were going to investigate further. I decided to call today because I got an email saying that my new account was locked due to suspicious activity. They said that since there was a bounced check in my old checking account the department team that deals with these cases they decided that my relationship with the bank would be terminated. I asked them about the balance of my closed checking account and they said that it was in XXXX  but when I called last week they said that I did have a balance and it would be sent to my mailing address through a cashiers check in 3-5 days.
Consumer complaint received 2022-11-18
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. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-05
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (OH)

I have requested that CONSUMER PORTFOLIO SERVICE XXXX XXXX XXXX XXXX, CA XXXX XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you  are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Phenix financial services has called me weekly for the last month from multiple phone numbers that show locally in XXXX Texas, or in that surrounding area. When I speak to the representatives at Phoenix, I am told there are multiple people in their system that have my phone number. Then I am told that they are going to physically remove my phone number from their system. After each such promise, I received another phone call the following week to collect a debt against my phone number but my name is not in their system. I put them on notice last week that this was fraud I put them on notice this week today that I was filing a complaint. I have had the same cell phone number since XX/XX/2013.
Consumer complaint received 2023-04-04
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. (VA)

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 2024-03-01
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. (WA)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (KS)

XX/XX/2018, Equifax is discriminating against my name. When I call they try to ask me twenty questions to verify my identity. I am a male and they think I am female due to my higher voice. I answer all their questions correctly and they just keep harassing me with more questions. I then ask to speak to the supervision and they do the same thing. I told them today I was reporting them to the cfpb-they didn't care. 

All I'm trying to is dispute something on my report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have reviewed my consumer reports and noticed that I had XXXX late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.
Consumer complaint received 2023-05-31
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. (TX)

XXXX XXXX XXXX XXXX opened : XX/XX/2022 This company has been reporting inaccurate information on my credit report duch as the following : 1. It charged of the debt, but says there os still a balance. Which they can NOT take the loss on their taxes & collect the alleged balance. 

2. They dont have any payment displayed or registered from open date of XX/XX/2022 through XX/XX/2022 XXXX. How can an account be charged off in a month if my open date is XX/XX/2022 and last payment is XX/XX/2022 as reported?
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: EQUIFAX, INC. (CA)

XXXX writing to you today to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX AUTO FIN XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX  XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XX/XX/year>, and XXXX XXXX XX/XX/year>.
Consumer complaint received 2018-10-05
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. (AZ)

My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX XXXX XXXX   credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CT)

My Amex card. 
On XX/XX/2022 i accepted and Amex offer for purchasing XXXX, i purchased it for {$100.00}, Amex was supposed to give me a 40 % refund but instead said they would not because i went through a third party for payment XXXX XXXX XXXX  ). even though XXXXXXXX XXXX goes to my Amex card and i paid the total amount charged to my card. i called Amex to complain and file a complaint, they would not take the complaint and said they thanked me for my feedback. it took over 30 minutes to convince them to file a complaint, and they wouldnt even give me a complaint number until i raised issue with it. They were trying to tell me it was feedback not a complaint. 

complaint number XXXX, if this is an actual complaint number for all i know the manager/supervisor may have just made it up to get me off the phone.

i claim misleading advertising because Amex should have provided a link that allows you to pay them directly, it does not.
Consumer complaint received 2023-05-31
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. (MA)

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Unfortunately, Experian has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$510.00} ), XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4000.00} ) is incorrect. I request Experian to remove the late payments associated with these accounts. 

The above accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00}, Original Creditor : COLLECTION ), COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) do not belong to me, and I request Experian to remove them from my credit report.
Consumer complaint received 2024-03-02
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. (MN)

I am writing to express my dissatisfaction with the handling of fraud-related items on your platform. Recently, I have noticed several instances of fraudulent listings, which not only jeopardize the integrity of your service but also pose significant risks to your users. 

It appears that there is a delay in the removal of these fraudulent items, allowing them to remain accessible to unsuspecting customers for an unacceptable period. This delay not only undermines trust in your platform but also exposes users to potential financial loss and other harms. 

I urge you to take immediate action to improve the efficiency of your fraud detection and removal processes. This may include investing in better algorithms to detect fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. 

Furthermore, I recommend providing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are essential in maintaining the trust of your user base. 

Failure to address these issues promptly not only reflects poorly on your company but also puts your users at risk. I urge you to prioritize the safety and security of your platform and take proactive measures to combat fraud effectively. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$6400.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023.
Consumer complaint received 2023-05-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Date XX/XX/2022 Account Number XXXX XXXX XXXX XXXX XXXX XXXX Amount {$120.00} I have disputed this inquiry with XXXX and Experian This inquiry was canceled before going to collections My privacy has been violated under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My personal information was illegally sold to the collection agency after I legitimately cancelled the insurance with XXXX XXXX XXXX XXXX My car was repossessed and I no longer had use for the services When I checked my credit report XXXX XXXX had sold of a debt that wasnt old Without me consenting to my personal information being stolen and used to collect money