davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA XXXX XXXX
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/2020 we set up a modification agreement on loan # XXXX - made a payment of {$18.00} is what the website asked us to do both parties agreed we did the same thing with the other vehicle loan we have and all of a sudden they show up on our doorstep today and repo the car - they never emailed me the modification agreement I have emails that shows that it was set up in place - made a payment that same day - and they are refusing to except payment in anyway size shape or form I tried to make a payment on the website today
Consumer complaint received 2020-10-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BOK FINANCIAL CORP (TX)

Had a VA mortgage with Bank of Texas ( Bank of Oklahoma ) ... .refinanced on XX/XX/XXXX ... .escrow refund was released on XX/XX/XXXX per website ... .I contacted them on XX/XX/XXXX and was told the check would be mailed out on XX/XX/XXXX ... .called in on XX/XX/XXXX and confirmed it was mailed out from their XXXX location to my home in north XXXX ... waited a week no  check ... called BOT was told to keep waiting ... .called back on XX/XX/XXXX and XX/XX/XXXX and was told the same thing to just keep waiting ... .I requested a stop payment and a new check cut and was told if I request that I have to wait an additional 30 days ... .requested on last 2 phone calls to speak to a supervisor but was told I would receive a call back same day ... .never received a phone call ... .have filed 2 formal complaints with BOT and was supposed to get a call back regarding those ... ..still have not received a call ... ... .It is now day 36 and I keep getting the run around with no solution except to cancel the " check they mailed out '' and wait another 30 days ... ..all I am asking for is a option on where I can pick up a check or have one recut and overnighted.

Thank you,
Consumer complaint received 2023-05-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2020-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Bridgecrest Acceptance Corporation (DC)

I am a federally protected consumer and I requested validation of alleged debt with Bridgecrest. This document was received by Bridgecrest on XX/XX/2020. I have yet to receive a response from the company involving this alleged debt. Bridgecrest is in violation of 15USC1692. The company responded to my request alleging that they are unable to fulfill my request due to insufficient information. Documents attached.
Consumer complaint received 2020-09-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I have asked 3 credit bureaus and creditors reporting negative accounts for all original signed documents associated with the information of all accounts that all 3 are reporting.I haven't disputed the accounts as not mine. Ive corresponded with them trying to receive copies of my accounts reporting negatively so that I can have all the information I need. All 3 credit bureaus and the creditors have not sent me the documents I have requested since XXXX of 2020.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

Ref Number : XXXX AMERICAN EXPRESS is in violation of 15 U.S. Code 1691c2 for taking advantage of a Minority Owned Small Business and its owner 's personal private non-public data. I, XXXX XXXX, the consumer and natural person, was denied credit by AMERICAN EXPRESS when I was misled to applied for the American Express XXXX XXXX XXXX Credit Card. 

Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C XXXX. You are subject to criminally liability for violating 15 U.S.C 1691 and 15 U.S. Code 1691e as I have proof that I was discriminated against by AMERICAN EXPRESS due to the response I received.

AMERICAN EXPRESS is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all natural inalienable rights reserved
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos

disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I placed a credit freeze with Experian in XXXX of 2020. Since XXXX, I've been attempting to remove the freeze. I was unable to do so, despite providing all necessary personal information online. I mailed paperwork into their offices with no reply. I've made a dozen phone calls to resolve the issue but it's impossible to reach a human being.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (CA)

I was alerted by my XXXX credit monitoring service that I had an account in collections with Allied Collection Services ( from a XXXX account ). I took the appropriate action, filed a police report with XXXX XXXX and an FTC Identity Theft Affadavit and submitted to all the credit bureaus. XXXX and XXXX immediately removed the account from my profile, however, XXXX has refused to remove it. After my 3rd phone call to XXXX in the last 6 weeks, I was advised by a  supervisor named XXXX XXXX, to file a report against the debt collector company through the CFPB as well.
Consumer complaint received 2020-09-26
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: EQUIFAX, INC. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA XXXX XXXX
Consumer complaint received 2020-10-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (NY)

the company commonwealth financial has placed a {$510.00} debt onto my credit report from a medical bill that was originated in XX/XX/2014and was paid in XX/XX/2014when I called his company they refused to give me their physical address they refused to tell me what they were collecting on and then they just discclosed they were collecting on a medical bill before getting my full name and then give me the mini Miranda they refused to provide me with a letter stating that I owe the stat the original daughter or anything like that so I know that many laws have been broken here. They didnt even know my full name and they disclosed
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

I received a phone call with the caller ID marked as " XXXX XXXX. '' Thinking it was XXXX because I had recently chatted with their support services, I picked up the call. The caller on the other line said something along the lines of being part of the XXXX trying to collect a debt. I immediately hung the phone up. I wanted to make sure this person was caught or something be done about these people so I filed a complaint with as well as here at the CFPB. The incoming call was named " XXXX  XXXX '' and the phone number received was from XXXX. I understand that the phone receipt information can easily be spoofed. Perhaps you can work with XXXX XXXX XXXX ( my service provider ) and run a network trace of the call made to my number ( XXXX ) by this caller at XXXX AM on XX/XX/2020, you may have a clue to whomever is behind these calls.
Consumer complaint received 2020-08-17
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. (GA)

Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from experian and XXXX
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

Equifax will not let me in my account. Sent them proof of me still cant get in. They dont want to process my dispute. Ive sent what they asked.
Consumer complaint received 2020-06-19
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. (MI)

I am putting to use the typical 1 hour+ hold I am currently sitting on with Chase 's customer service to request assistance with a refund for services not provided. 

On XX/XX/XXXX I purchased a flight from XXXX to XXXX using the Chase Travel Portal and a Chase Sapphire Reserve Credit Card. The date of the departing flight was XX/XX/XXXX and the date of the return flight was XX/XX/XXXX. The flights were booked by Chase Travel on the airline XXXX. I purchased the tickets using the mentioned credit card and accrued credit card points. The charge on the credit card was paid off almost immediately. 

The purchased flight was cancelled by XXXX due to COVID19, and further legal travel restrictions placed by XXXX and the State of Michigan ( my residence ) prevented me from taking the flight had it not been cancelled. 

I spoke with the Chase Travel customer service on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As well as several attempts during and after that time in which after hours on hold my call was disconnected without ever speaking to a Chase representative. I was informed that they were processing the request for a refund in the form of original payment, but that they were waiting for the funds to be returned from XXXX. It was recommended I reach out to XXXX to attempt to move the process along. I also called XXXX on multiple occasions, but was repeatedly informed they were required to work with Chase because Chase had purchased the tickets. I have now given both companies several months to process this refund with no progress. 

I purchased a service from Chase Travel utilizing a Chase Credit Card and the service was not provided. While I am empathetic XXXX is not providing refunds in violation of the law, I did exchange goods for service with XXXX. I strongly feel that Chase would have resolved this case in a timely manner had I purchased the tickets through any other travel provider than their own. I believe they do not want to issue a charge back against themselves. 

I am immediately requesting that the charge on my credit card for this purchase be reversed and the points be refunded.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

United States of America Federal Trade Commission Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA United States of America Consumer Financial Protection Bureau Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA NOTICE OF DISPUTE AND REQUEST FOR INVESTIGATION OF BILLING ERRORVALIDATION AND VERIFICATION OF ALLEGED DEBT WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT RE XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX Dear Sir or Madam, I am writing to formally dispute a billing error and to request debt validation regarding an alleged debt that XXXX XXXX XXXX XXXX XXXX  ( formerly known as XXXX XXXX XXXX XXXX ) claims I owe. This dispute is prompted by multiple instances of erroneous credit reporting by the organization, which allege an outstanding debt, as evidenced in my consumer credit file dated XX/XX/XXXX ( Exhibit XXXX ). I request the United States ( federal government ) Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into this matter.

I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically as outlined in 15 U.S.C. 1692g Sec. 809 ( b ), and sections 807 and 814 ( 15 U.S.C. 1692e, 1692l ), along with the relevant regulations ( 12 C.F.R. 1006.34 ( c ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 1006.38, 1022.41, 1022.42 ). Additionally, my request is in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under Regulation V ( 12 C.F.R. 1022.21 ( a ) ( 1 ), 1022.24 ( a ), 1022.25 ( a ), 1022.42, 1022.43 ) and 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ).

This dispute also invokes my rights under the Electronic Signatures in Global and National Commerce Act, the Gramm-Leach-Bliley Act concerning the Privacy of Consumer Financial Information , the Bank Secrecy Act, Internal Revenue Service regulations , and the extensive protections provided by the FCRA ( 15 U.S.C. 1681-1681x ). Moreover, it includes my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically 1031 ( a ) and 1036 ( a ) ( 1 ) ( 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ), the Truth in Lending Act ( 15 U.S.C. 1601-1665 ), the Fair Credit Billing Act ( FCBA ) ( 5 U.S.C. 1666-1666j ), and the billing error resolution procedures under 12 C.F.R. 1026.13 ( Regulation Z ).

Given the significant implications for my financial well-being and credit history, I request an immediate and thorough investigation into these allegations. It is crucial to ensure that all collection efforts are valid and that any reporting to credit bureaus accurately reflects the legal and factual circumstances as required by the aforementioned laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice