davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO. (TX)

Chase will not let me pay my chase credit card payment with my SSD card. XXXX XXXX. The bank and Master card say it is to be taken by anyone that takes Mastercard. I've tried to make a paid in full payment 5 times. 
Now Im being threatened with a charge off on my credit report. chase.com/Customer Service or call XXXX.
Consumer complaint received 2024-02-25
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. (OH)

I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


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 In accordance with the fair credit reporting act XXXX  account # has violated my rights. 
15 U.S.C 1681 Section 602 A. States that 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. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2022-12-31
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)

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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX2019, XXXX XXXX XXXXXXXX XXXX Hard and soft inquires . 

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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I have three collections accounts reported on my XXXX   credit report which are not mine and are falsely reported in the amounts of {$1600.00}, {$320.00} and {$740.00} by AARGON. I have submitted several disputes via XXXX  online and provided sufficient documentation proving that I do not owe this debt. 


Below, you will find recorded correspondence to which I documented, providing the hospital with my information SEVERAL TIMES to bill my insurance company and they still failed to do this on time within the timely filing window. I do not authorize XXXX hospital or any of their contracted medical providers, physicians or nurses to release my medical records to XXXX  or AARGON. 

I have disputed these debts several times and have asked for proof of debt several times, through the XXXX Hospital medical billing department and they have not provided proof that I owe the debt. They say that since they have sent my accounts to collections, they no longer have my medical records on file. With that being the case, how can they possibly prove that I owe the debts when they don't have my records on file anymore? 

Below is my documentation of providing insurance info on time : XX/XX/17 : Nurse named XXXX asked for my insurance info and I told her I was covered by XXXX  under cobra. My insurance info should have already been on file since I recently was at the hospital on XX/XX/17 and XX/XX/17 under the same coverage XX/XX/17 : Discharged from the hospital XX/XX/17 at XXXX : XXXX Spoke to XXXX at XXXX and provided her with my insurance info XX/XX/17 at XXXX : Emailed a help ticket claim through XXXX  website since I have not heard back from XXXX Hospital billing XX/XX/17 at XXXXXXXX XXXX 
XXXX Called and left a voicemail and asked for an update on whether my insurance info was applied to my outstanding hospital bills. Did not receive a call back or any updates XX/XX/17 XXXX XXXX Called XXXX  since I got a letter in the mail saying I might be eligible for medical grant. Spoke to XXXX, and she told me she could not help me since I am insured. 
XX/XX/17 XXXX XXXX Called business center and spoke to XXXX Spoke to and she verified my information and said she was sending it to the hospital so that they can bill my insurance, XXXX  XX/XX/17 XXXX XXXX  XXXX XXXX called me back, we are looking into the various claims and she sees on her end that I should be receiving updated bill for my claims. My insurance information is visible on her end.
Consumer complaint received 2024-02-24
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)

My Information was sold and bought illegally because i was a victim of the XXXX data breach back in 2017 having trouble removing the negative items on my report I want these items deleted from my Credit reports effective immediately. I am Attaching proof that XXXX has admitted that i was in fact a victim of this data breach ( XXXX XXXX XXXX ) and XXXX has done nothing. Please help me delete these illegal account from my credit reports, Accounts XXXX XXXX Closed Account # XXXX XXXX Closed Account Number XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Closed XXXX  XXXXXXXX XXXX XXXX XXXX closed XXXXXXXX XXXX Closed XXXX closed XXXX XXXX XXXX Closed Open XXXX  XXXX XXXX closed XXXX XXXX XXXX XXXX XXXX saying closed whenn they were paind in full XXXX pain in full and XXXXXXXX XXXX XXXX XXXX XXXX for XXXX never had XXXX
Consumer complaint received 2021-06-18
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: Credence Resource Management, LLC (NY)

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (IL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXXXXXX XXXX XXXX XXXX *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!
Consumer complaint received 2022-12-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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.
Consumer complaint received 2020-03-20
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: CITIBANK, N.A. (CA)

I purchased the membership from this gym back in XX/XX/2019, they didn't charge me at first but they only hold my card, they told me they would charge me when they open in XXXX. They kept postpone until XXXX, I have called them before the time frame and told them I am signing up for other gym because this is taking longer than promised. They told me they would not charge me. They did charged me in XXXX, when I called them and tried to resolve, they told me they can give me back store credit and gave tons of excuses but wouldn't refund me, even told me to dispute with bank its faster, which I did. Ridiculously Citi also sided with merchant and my dispute was closed. I am now charged with XXXX for something i didnt agree with and the service I did not use. Citi wouldn't re-open the dispute. It ws from XXXX XXXX ca for XXXX dollars back in XX/XX/2019
Consumer complaint received 2024-02-24
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. (OH)

I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or any affiliation with. I have contacted all XXXX credit bureaus and requested verification of these accounts with no formal response. 

I have the right to privacy and have not given any written consent for this information to be reported to my profile which is in violation of 15 USC 1681 Furnishing accounts to my credit report that are a result of identity theft is in violation of 15 USC 1681 C-2 I requested that all fraudulent addresses be removed from profile to prevent fraud accounts being added to my profile under my identity. The information is impacting my credit negatively.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXXI inadvertently paid my Bank of America credit card twice XXXX online ), using my Bank of America checking account. 
I called the bank asking for a refund. They told me the money would be credited with in 10 business days. It is now XX/XX/XXXX and the money has not been credited. 
I contacted the bank today and they said there was some kind of delay, but they could not check on it because it involves a no-contact department within the bank and there was nothing they could do except file another report which could take 3-6 more business days. I declined this option, this is a huge multi-billion dollar bank, one the taxpayers rescued at great expense. This kind of arrogance, and lack of customer concern is simply wrong. 
We are talking about {$630.00} heremaybe not a lot of money to some people, but it is to me. I would like my money back.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RANLife, Inc. (VA)

On XX/XX/2020 I closed on a refinance with my current lender Ranlife Home Loan. To my knowledge the transaction was completed as I received the title information via email. On XX/XX/2020 I checked the borrowers portal to ensure that the loan was paid off. However, my account was showing that I had a payment due. I contacted Ranlife the same day and spoke to a supervisor by the name of XXXX who indicated that they could not locate the check but would complete research and get back to me. He never called as promised so I called on XX/XX/2020, to follow-up and spoke to another supervisor who stated that all checks were routed from their Connecticut office to Texas, yet I was not provided with a routing number. It has been two weeks since I closed, but this transaction still has not been completed. I have never encountered this level of incompetence and negligence. I want to make sure that this issue is addressed to ensure that there isnt a negative action due to the extreme incompetence of this company.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (MA)

Mr Cooper reported my mortgage loan twice with the credit agencies. My loan number with Mr Cooper was XXXX and the loan has since been sold to another servicing agency, XXXX. My credit report currently shows two mortgage loans, one with Mr Cooper for {$610000.00} USD, WHICH IS INCORRECT, and one with XXXX, which is correct and should be the only mortgage loan on my credit report. I contacted Mr Cooper over the phone the operator refused to explain to me what the credit reporting error was and hence, she could not help me fix it.