davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I woke to a text by Chase Bank about potentially fraudulent activity on my credit card. Upon checking my statement I noticed 2 charges in XXXX on my account statement, XXXX ( uploaded document ) XX/XX/XXXX & XXXX XXXX XXXX TX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX TX XXXX I live in XXXX XXXX but I was vacationing in New York, which is evident in XXXX XXXX in XXXX leading up to XX/XX/XXXX, including a legitimate purchase I made at XXXX in New York that same morning, below : XX/XX/XXXX & XXXX XXXX XXXX XXXX NY XXXX XXXX have also attached my flight info demonstrating that I was in New York XXXX XX/XX/XXXX to XX/XX/XXXX. Supporting this, several legitimate purchases I made in New York leading up to XX/XX/XXXX are shown in this same credit card statement attached. Please note that the only charge listed in Texas after XX/XX/XXXX was XX/XX/XXXX & XXXX XXXX XXXX TX XXXX, where I paid a toll for my car online. 

I spoke with Chase on XX/XX/XXXX, where Chase insisted that those charges in XXXX, TX could not be fraudulent and that they must have been made with a physical credit card. I informed the employee that I had my card with me during my entire trip in New York, and this is evident by the purchases I made described above, the flight information, and it is physically impossible for me to have both made the ( legitimate ) XX/XX/XXXX & XXXX XXXX XXXX XXXX NY XXXX purchase in New York the same morning the fraudulent charges in XXXX were XXXX. 

Despite this aforementioned evidence, I received a notice on XX/XX/XXXX that states for both fraudulent transactions, " You are responsible for the following transaction ( s ) '' with the explanation being " You received benefit from this transaction. '' I have been a loyal Chase customer for several years, never missing a payment, and my first time being a victim of fraud Chase accuses me of benefitting. I am requesting an apology and my money back for these fraudulent charges.
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (OH)

I closed on my new home on XX/XX/2020. The lender is Caliber Home Loans, and the Title Agency is XXXX  XXXX. This complaint is only about Caliber Home Loans. 

A few hours after I closed, I received a call from the title company, informing me that there was a mistake on my final closing disclosure that Caliber had prepared and that was used to determine the amount of cash I owed at closing. Specifically, a mistake was made ( and not caught prior to closing ) regarding the amount of property taxes that were credited to me ( and against the seller ). I therefore was asked to send additional money to the title agency to cover the mistake, but the title agency could only give me an estimate of the amount I was owed. To be safe, I sent the title agency extra money while we awaited the updated closing disclosure statement from Caliber Home Loans. The title agency has already agreed to refund me the excess between what I have deposited with them and what is actually owed.

However, despite multiple requests from both the title agency and from me to Caliber Home Loans ( via phone and email ), Caliber has still not provided to either the title agency or me a copy of the revised/corrected closing disclosure statement. Consequently, I have thousands of dollars being held by the title agent while we wait for this simple disclosure statement to be sent over. 

There is simply no excuse for Calibers original mistake or continued failure to provide the corrected statement to us.
Consumer complaint received 2021-01-13
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: AMERICAN EXPRESS COMPANY (WA)

American Express claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} American Express also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both American Express and XXXX XXXX XXXX the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered XXXX XXXX XXXX XXXX a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both American Express and XXXX XXXX XXXX XXXX via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-03-11
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. (MN)

I have never been late on my vehicle loan from XXXX XXXX XXXX # XXXX. I have made all my payments on time since I purchase the vehicle last year. I made a regular payment of {$400.00} on XX/XX/XXXX, then I was involved in an accident and total my car which my insurance company had cut a check for {$10000.00} paid on XX/XX/XXXX, and after that, I settled the account in full with an agreement payment of {$1000.00} paid on XX/XX/XXXX to close out my account. Even after I settled my account with XXXX XXXX, they still went ahead and reported to Experian and XXXX  that I'm delinquent 60 days? I have tried to work with this company regarding this issue and nothing has been done, I asked why would they report this inaccurate information and the supervisor advised me " she's not sure what happened '' they just keep reporting inaccurate information to Experian and XXXX. I even received a call from their compliance dept stating that they are investigating this issue but continue to keep reporting it incorrect as recent as XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX and they advised me that they updated my report on XX/XX/XXXX with the correct information that I never missed a payment but XXXX XXXX had done another report that I was delinquent on XX/XX/XXXX. I'm not sure why this company keeps reporting this inaccurate information? They are not taking accountability for this issue, they just keep telling me that they are not reporting it that it's the credit bureau that's reporting it incorrectly? My account is closed with this company, I no longer want any reporting done and I also want my negative remark " 60 days late '' removed immediately as I have never been late at all.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I have reached out to Equifax a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX per IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

XXXX went into what appeared to be a legitimate business. XXXX XXXX where he said he could provide a intuitive statue custom designed. I was advised that it would be available the following Wednesday and hed provide an address where I could pick it up. The address provided doesnt exist. Reach put via social media. The store is closed. Wrote a letter. On XXXX after no avail to getting either the statue or my money. I opened a claim with my bank. Filed a police report and signed an affidavit attesting to pressing charges. I supplied this to my bank and they have not returned my money. It was sent via certified mail and email.
Consumer complaint received 2023-12-07
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: Experian Information Solutions Inc. (TN)

I have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received 2 alerts on my XXXX XXXX that my SSN was associated with an address and name that Im completely unaware of. 

The report made to Experian it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice
Consumer complaint received 2020-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

I received three letters from ERC : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX All the statements claim that I had an XXXX XXXX XXXX XXXX Account and owe {$150.00}. I have never had an XXXX XXXX XXXX XXXX Account. I and my sister have spoken to them several times on the phone and they failed to provide me with proof of debt / unpaid statements. 

The address they are claiming that I had XXXX XXXX XXXX XXXX  account had an active XXXX  account under someone else 's name ( my sister 's name ). The bills were sent to them. I also provided them with a letter from USPS confirming that the mailbox had reported thefts on it. Last time I spoke to them they assured me that this will be cleared off my account in 8 weeks.
Consumer complaint received 2023-01-23
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. (TN)

In Accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my Rights ...... 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report containing any of the following items of information any other adverse item of info other than records of convictions of crimes which antedates the report by More than XXXX  years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate
Consumer complaint received 2023-02-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/2021
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

In XX/XX/2023 I received an email from XXXX indicating my student loans were transferred to XXXX. My account with XXXX showed an outstanding balance of XXXX with a XXXX payment due. I got a mortgage loan verification document from them indicating that the loans have been transferred and the outstanding balance was XXXX. 
However, XXXX refuses to report this to the credit bureau. They are reporting that I still owe XXXX and that they still own this debt. I have contacted XXXX to resolve this and was told via an account message that no further reporting will be done at this time. 
I disputed this with the 3 major credit bureau and only XXXX agrees and resolved the issue. The other 2 say they reach out to XXXX and XXXX says my claim is not valid and that they still own that debt even though it was transferred to XXXX ( which I have since paid in full ).
Consumer complaint received 2021-01-13
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed.
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

I received notification that RECEIVABLES PERFORMANC had a collection account from XXXX on XX/XX/XXXX in the amount of {$780.00}, on my credit report. I had not received any notification by mail or phone. 

Previously, XXXX said we owed them {$1100.00}, and had filed with the collection agency XXXX. We paid {$1100.00} to XXXX on XX/XX/XXXX in order to close the account with aXX/XX/XXXX balance with XXXX. 

On XX/XX/XXXX, I contacted RECEIVABLES, but they would not look into the matter. I then contactedXX/XX/XXXX who said that we had paid the amount owed to XXXX, and that the account should have been closed out by XXXX. XX/XX/XXXX said they would contact XXXX, and send me further notification that indeed the account had been closed. I have verification of this transaction with XXXX. 

So far, I have not been able to get anyone at XXXX to help me get this resolved.
Consumer complaint received 2021-01-13
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! 


Please remove these fraudulent account asap!
Consumer complaint received 2023-01-20
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. (NM)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them from my file : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-01-13
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. (SC)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2023-08-31
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. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX ;
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I am not liable for this debt with Portfolio Recovery Associates LLC. I did not have a contract with Portfolio Recovery Associates , LLC. I sent a certified letter requesting that Portfolio Recovery Associates LLC validate a debt they've been claiming I owed them and to cease and desist from inaccurate reporting and debt collection. They did not provide me with the original contract as I requested. They have violated sections of 15USC 1681 ( e ) ( n ) ( o ). They claim they've investigated and verified the debt to be valid but have yet to produce one single signatory document or contract that validates their claim. Furthermore, Portfolio Recovery Associates , LLC has openly admitted in their communication that they have purchased my personal information, which does not grant a " third party '' to do so, under 15 USC 1692 ( a ) Abusive Practices. Portfolio Recovery Associates LLC has also violated 15 USC 1692f ( 8 ). This company violates the False Claims Act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Once again I disaffirm any alleged agreement or contract between me, and Portfolio Recovery Associates LLC. Again, PRA does not have permission to acquire my personal information, only the original creditor. I am the original creditor and I never gave you permission. I demand this account be removed from my credit report.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I purchased a phone for my XXXX elderly mother. The price was {$200.00}. XXXX charged me {$290.00} plus tax. They owed me over {$90.00}. I filed a complaint with my credit card company and XXXX agreed to give me back only HALF the amount. This is illegal In addition, the phone was LOCKED. I spent 4 hours trying to activate it. I finally had to go to the store. They spent another 2 hours trying to activate it. They finally had to give me a replacement. They also gave me a gift card to partially compensate me for the extra 6 hours I had to spend due to their error. To my horror, they overcharged me {$96.00} in addition to sending my XXXX mother a phone that did not work. ( I had to also go to another state to deal with all this as my mother can not drive ) See attached. XXXX says the price of the phone is {$200.00} ( on sale, usually {$290.00} ). Instead of billing my credit card {$200.00}, I was charged {$330.00} ( see credit card statement ). I should have been charged {$240.00} I spoke to XXXX a Senior XXXX at CITI in kentucky. He refused to go back to XXXX for me to get my money even tho I provided the documentation that I was overcharged {$96.00}
Consumer complaint received 2021-01-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Astra Business Services (GA)

I requested a signed contract between myself in which they did not provide. Astra instead sent an electronic file for a payday loan where the contract is between myself and XXXX XXXX where I don't recall receiving a loan from them.