davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : PORTFOLIO RECOV ASSOC XXXX XXXX Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.
Consumer complaint received 2021-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC (TN)

THIS COMPANY HAS REPORTED INACCURATE LATE INFORMATION ON MY CREDIT REPORT I AM REQUESTING THIS INFORMATION REMOVED. THIS ACCOUNT SHOULD BE CLOSED THE LAST REPORT OF THIS INFORMATION ON MY OTHER TWO CREDIT BUREAUS WAS XXXX OF 2019. THIS COMPANY HAS REPORTED RECENT INFORMATION AND I NEED IT UPDATED AND REMOVED ESPECIALLY THE LATE CHARGES.
Consumer complaint received 2023-09-11
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. (CA)

XXXX XXXX XXXX XXXX {$1900.00} Open Open, completed In progress In progress, in progress Closed Closed, upcoming Dispute status Under merchant review We allow merchants 15 days to issue a credit after receiving a return. If they haven't credited you by then, we'll contact them regarding your dispute. 

Don't worry about payment in the meantimewe 've placed a hold on this transaction while your dispute remains open. 

Upload documents Transaction date XX/XX/2023 Dispute opened XX/XX/2023 Reason I canceled this purchase.
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account was closed with no reason given to me. My account has {$2800.00} in it. 
They have not returned my money. They say I will get my money but refuse to give me a date this will happen. My car payment is past due and my rent is due and I am being threatened with eviction. This is why I need my money. 

Please help
Consumer complaint received 2023-05-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Current credit report is all incorrect and causing lots of issues and harm to me. I had notice that my report had incorrect information consisting of inquiries, Name, address and credit score. I had called multiple times and emailed various times to remove and to properly investigate this subject matter. I verbally requested to investigate this issue on XX/XX/2023 and only a few inquiries were fixed. As a reporting bureau all information on file should always be investigated before reporting such information on a report. I would like to also state that your ads are misleading and unfair. The display of a " click button '' to boost your fico score immediately, is simply a false click bait that doesn't do as it states. I need all file fixed and corrected as soon as possible.
Consumer complaint received 2021-09-06
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (OK)

I was about to apply to rent a new home, and I noticed a new collection on my credit report ( I have XXXX  XXXX with XXXX XXXX, so I check it monthly since it is free ). I didn't recognize the amount, so I called the company Monday ( XX/XX/XXXX ) to find out who they were and what this bill was for. I have a medical debt from XXXX of XXXX that was sold to Phoenix Financial Services in XXXX of XXXX. They have re-aged this debt ; it should come off of my credit this XXXX, but the representative told me that it will now show up on my credit until XXXX of XXXX unless I pay them. I believe this is a violation of FCRA 623 ( a ) ( 5 ) ( A ). I do not have the name of the man I spoke with, but the number to the company is ( XXXX ) XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

-Experian Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -XXXX  Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX  , PA XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.
Consumer complaint received 2020-01-08
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: ACIMA CREDIT, LLC (OK)

We purchased some beds from XXXX XXXX. While we were there the company stated that they were not going to go through one finance company but another one. So after a few months we got that one paid off. Then another company ( Acima ) tried taking money out our bank account. We were not sure who they were so we  filed fraud. We called Acima and they told us to call XXXX XXXX. We called XXXX and they said we see you with the other company ( snap finance, the one we paid off ) so we reported fraud. We tried to talk to Acima several times but all that was said was to contact XXXX. We finally called XXXX again and got someone else ( the back and forth had been going on for months ) the new guy said no you got beds through XXXX and mattresses through other company. We immediately called Acima explained everything and got up to date and have been up to date since. The owner of XXXX tried to call Acima to straighten everything out as well and they would not talk to him as he is not on the lease. A supervisor stated they would take off the 60 day late off of XXXX because of the HUGE mishap as it was not our fault. She said to dispute on XXXX so it could be updated and fixed. We disputed on XXXX. It showed we were up to date but the 60 days has not been taken off. We have been back and forth with Acima and a gentleman there named XXXX stated someone named XXXX who is in charge of the credit department would call us the next day so we could get XXXX fixed or get sent a letter of deletion which still has not happened. We have been calling and back and forth with Acima all week and have not gotten anywhere. They told us they would remove the 60 day late fee on XXXX as it was not our fault. We need a letter of deletion to be able to do it ourselves and everything I have stated IS IN THEIR NOTES.
Consumer complaint received 2021-09-06
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. (PA)

I have tried over 67 times contacting the bureaus of fraudulent inquiries and accounts reporting I even submitted identity theft reports to each credit bureau I have done so by phone and by hand written letters my children and I are looking for a place and due to credit we are in the shelter facing homelessness please look into this and remove an accurate fraudulent information please and thank you. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$9200.00} Closed CREDIT CARDS XXXX Reported : XXXX XXXX XXXX + {$0.00} Closed STUDENT LOANS US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$6100.00} Closed US DEPT OF EDUCATION Reported : XXXX XXXX, XXXX + {$3900.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$0.00} Closed Unauthorized fraudulent inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing A collection account XXXX XXXX Reported : XXXX XXXX, XXXX + {$480.00} Needs Attention
Consumer complaint received 2020-01-08
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. (TX)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-01-28
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. (MI)

( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit report.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid 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. (CO)

On XX/XX/XXXX, I disputed a {$2000.00} UNAUTHORIZED charge on my credit card with Chase card services. Chase 's investigation concluded that I am responsible for the charge because they believe I have benefited from the transaction WITHOUT providing an invoice or contract for services or products. I have been requesting PROOF of the benefits I received for this {$2000.00} since XX/XX/XXXX. The only document Chase provided is an automatic email from XXXX showing the merchant has charged me the {$2000.00}. 

In addition, I provided Chase a text message from the Merchant stating that he made a mistake charging me and claimed he has issued a refund. I did not see the refund on my card nor did I have PROOF from Chase that they PAID the merchant. 

Under federal law, I am only required to pay a maximum amount of {$50.00} for the fraudulent charges made to my credit card account. 15 U.S.C. 1643 ( a ) ( 1 ) ( B ). As such, the burden of proof is on Chase to prove that I benefited or authorized the disputed charge. 15 U.S.C. 1643 ( b ).
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/21 I sent XXXXTransunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXXXXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX/Transunion on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.
Consumer complaint received 2021-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and I have no acknowledge as to why or how these student loans are on my report let allow reporting as collections.I am reaching out again seeking the deletion of these items from my report i am a victim of identity theft and I did not make these accounts. i ask that these accounts be removed and my privacy to stop being violated. as a human I know things happen but i am here to inform you that my privacy is my right and I have been taken advantage of. As a human being I am protected under 15 USC 1681 ( a ) you are in violation of my right to privacy. the following is infringed upon my rights and misleading by all reporting different dates and lenders.

XXXX  Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance:XXXX  XXXX  Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00} transunion Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$18000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$27000.00} Account Name : U S DEPT OF EDXXXX Account Number : XXXX Account was opened : XX/XX/2016 Account Balance : {$23000.00}
Consumer complaint received 2022-12-26
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. (AL)

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 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

I have been a victim of identity theft in the past I have tried to open a account with XXXX XXXX numerous times I get approved get my card then all of a sudden I can't access it and it's closed therefore leaving anything that has been deposited never returned and the fees that I have accrued when I never had access to my account for no more then a week
Consumer complaint received 2023-05-14
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. (TX)

I am victim of identity theft. There are accounts on my credit report that I did not authorize. I have attached the necessary documents to file a dispute. I also mailed in the same documents last month but I had no response.
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I fell behind my mortgage payment due illness and large Medical bill, my situation changed now and I ask SPS servicer of my mortgage to give me a payment plan to catch up with arrears, which I am willing pay along with my monthly payment, but they are no willing to do that they referred my account to an attorney for foreclosure, so far no date but it appears that it is imminent. I want to pay and keep my home.
Consumer complaint received 2022-01-28
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. (TX)

Equifax is allowing XXXX XXXX to report false information on my report. - Questionable account number. Creditor has not provided to their company any proof or documentation of debt being valid/created by our client. Creditor is adding interests on a closed and charged off account per their records for more than 24 consecutive months at minimum. Account history is inaccurate and skipped month or reporting in XXXX of 2016 going from late 30 days to charge off status. This is unverifiable. This account is not Metro 2 compliant.
Consumer complaint received 2023-11-01
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: Titanium Funds (UT)

I have had a car with XXXXXXXX XXXX XXXX  since XXXX of XXXX  and here is is XXXX of XXXX  and none of the on time payments Ive made have been reported to the credit bureaus which is why I took a car from XXXX XXXX XXXX  and they have no followed through on their end of the bargain but Ive been holding mine. If I dont pay on time by a few hours they are quick to contact you and disable your car so you cant drive. XXXX has almost cost me a job by turning off the car which is what they want so you cant pay them and they can either sue you or tow the vehicle. I have asked many times why they cant report my payments and I get told different reasons every time. I am just going to take this car and trade it to XXXX and pay the {$800.00} a month I would to XXXX  and pay for a model XXXX. This business has also been telling people on their reviews for years that the credit issue and them not reporting payments will be resolved. I am contacting a lawyer to get what I am owed for having this vehicle but someone needs to look into their shady business practices. Also they lie about the warranty
Consumer complaint received 2022-12-26
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. (WI)

XXXX XXXX should be deleted off of my credit report with ALL 3 credit bureaus. I have a credit override statement from them. That they sent the reporting agencies. However, it still reminds on my credit report.
Consumer complaint received 2022-12-26
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. (AL)

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.