davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (GA)

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc. (NJ)

I XXXX XXXX currently am not working. I do have additional insurance I can use to pay the balance of this bill. I have NJ XXXX XXXX XXXX ID XXXX. I also have a health benefits ID card : XXXX # XXXX.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

After applying for a Chase XXXX XXXX Visa Credit Card advertised with no annual fee for the 1st year plus XXXX XXXX XXXX on XX/XX/2020 at Chase.com, I was surprised to see a annual fee charge for {$49.00} on my Chase XXXX XXXX Visa. The annual fee for {$49.00} was not supposed to be charged for the first year per the Chase pricing and terms. We have been good customers of Chase Bank and have the Chase Freedom and Chase XXXX cards. We spoke to Ms. XXXX XXXX, Personal banker at Chase in XXXX and she said the problem was escalated to the Credit Card Consumer Service Division with Chase per her conversation with that department. We talked with several XXXX Customer Service Reps including XXXX and XXXX XXXX and they did not understand why we were charged the {$49.00} annual fee the first year since it was advertised as {$0.00} annual fee for the first year. We were told the credit card was managed by Chase Bank so the problem couldn't be handled through XXXX. We have enjoyed a good relationship with Chase bank but are very frustrated with this bait and switch advertising for the Chase XXXX XXXX XXXX. If this is happening to us, chances are it is happening to others. See the terms and conditions for the Chase XXXX XXXX Visa at Chase.com and also the promotion at the XXXX App.
Consumer complaint received 2020-08-07
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: EQUIFAX, INC. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. XXXX {$590.00} XXXX {$18000.00} XXXX {$11000.00} XXXX XXXX {$79.00} XXXX XXXX XXXX {$290.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX   XXXX {$2100.00} XXXX XXXX {$560.00}
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/2022 I attempted to use the PayPal mobile application to delete my personal data and delete my Papal account, however, the mobile application became unusable as I was attempting to input my SMS security verification information. After verification the application kept asking for prompting for additional SMS security verification keeping me in a SMS security prompt loop, preventing me from progressing to close my account. 

On XX/XX/2022, I uninstalled the PayPal app and reinstalled to attempt data and account deletion, and got the same results ( stuck in a SMS security prompt loops. This is clearly purposeful abusive and shady business practice to prevent client from protecting their data and closing their accounts. 

On XX/XX/2022 I logged into the website to attempt data and account deletion. on XX/XX/2022 I received an email stating, " Thanks for letting us know you want to delete your PayPal account data. We've already confirmed your identity. Now, well look at your account history and email you usually within 30 days to let you know the status. '' This implies PayPal won't actually confirm that they will delete my data or promise to remove my data in any way. Again abusive and illegal business practice.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name {$480.00} XXXX XXXX {$180.00}
Consumer complaint received 2020-08-07
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name {$480.00} XXXX XXXX {$180.00}
Consumer complaint received 2024-02-26
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 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 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 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 XX/XX/XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX Account XXXX I have already tried to resolve this old debt with the company. This account is listed on my Transunion and XXXX credit reports as OPEN with a past due balance of {$480.00} which is incorrect. This is a charged-off account ; as we all know, it is illegal to post a charged-off account with a current past-due amount {$480.00}. They have not responded to my inquiry so this account needs to be deleted from my credit reports.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (AZ)

I have noticed equifax dropping my score drastically on Accounts that where closed because these were paid off, instead of increasing my score like it has done on other credit agencies like in XXXX. 
My XXXX  is reporting accurate and ok and my score increases like it should.showing correct score and updates. 
Also noticed hard Inquires that I have not requested only showing on my equifax not on XXXX. 

Equifax dropped my score after successfully paying off a personal loan and closing my XXXX XXXX and other, also showing up Hard inquiries which are unknown to me that also decrease my score. 

I been using credit freeze for own security purpose and have noticed that Equifax since they started charging for every service are intentionally decreasing scores at their own will for force consumers into payment of their. 

I have had excellent credit for years, over XXXX and last few months only Equifax started decreasing my score till reaching the XXXX points from a excellent to fair credit whic is affecting my fico overall. 

All my accounts have been either successfully paid off and existing ones are current and up to date on payments. 

Equifax should stop this and correct my score to XXXX  XXXXXXXX and stop trying to force consumers to boost scores with their service or trying to charge services in order to increase scores. Shameful that responsible people with Excellent scores like myself. 

Right now just checked thru XXXX XXXX and XXXX shows my score XXXX vs Equifax XXXX.
Consumer complaint received 2024-02-26
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. (CT)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXXXXXX {$78.00} XXXX XXXXXXXX XXXX XXXXXXXX {$13000.00} XXXX   XXXX XXXX {$100.00} THE COMPANY
Consumer complaint received 2020-06-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, U S DEPT OF ED/XXXX/XXXX, US DEPT ED, XXXX, XXXX, XXXX Company Inquiries : XXXX  XXXX  XXXX  XXXX
Consumer complaint received 2020-06-16
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. (MS)

My credit report contains a Chapter XXXX Bankruptcy, which is unlawful according to the FCRA due to the fact that this is not public record. The court at which I filed bankruptcy does not report to the credit bureaus. The bankruptcy court at which I filed sent out a letter XX/XX/XXXX of 2020 stating that they do not report to any of the credit bureaus. The letter is attached to the documents that I provided. I have also attracted an affidavit of dispute
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

This is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX. Beginning in XXXX of 2020, I have made repeated attempts to freeze my credit with XXXX XXXX XXXX XXXX by all means available. I tried by phone and I am cut off after putting in requested information. I try at XXXX and XXXX and try to log in as instructed, which includes requesting a new password, and every time I am refused accessed to my account and told to call the previous toll-free numbers for assistance. Every attempt to contact XXXX   XXXX XXXX XXXX is refused. 

I sent a registered letter containing all requested documentation for identification, ( Proof of delivery : Tracking Number : XXXX. Your item was delivered at XXXX XXXX on XX/XX/2020 in XXXX, GA XXXX. Status : XXXX XX/XX/2020 at XXXX XXXX, XXXX, GA XXXX ) and a letter requesting a credit freeze. I have received not response from XXXX  XXXX XXXX XXXX concerning my request. 

I had not problem requesting a credit freeze from XXXX  or Experian. I requested credit freeze on line and both Transunion or Experian complied without any problems. XXXX XXXX XXXX XXXX refuse to allow me to make contact by any means.
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-26
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (DE)

Account charged off. {$2600.00} written off. {$1900.00} past due as of XXXX  2024. 

This is not my debt. I never had a credit card with that much limit. This is a case of fraud or a mistake has happened
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX. I called Citizens Bank card services and spoke with someone about a late fee I had received. I had asked for a courtesy rebate of the late fee. It was an error. I explained that due to Covid-19 I was an essential working and was working incredibly long hours and simply forgot. I was told they could not rebate the fee. I said ok- I understood. I then received an email asking about my experience. I had explained the situation and said the customer service rep was great- he was doing his job but I didn't feel that for someone who has had the card with them for 9 years and they have never had an issue with my payments etc. that I felt it wasn't a fair decision. I never heard back from that survey email. Then I received a letter that they have decided to close my account now- due to my credit score being a XXXX. I feel this was in direct response to my complaint. In the past 9 years my credit score had been much lower ( due to a divorce and loss of significant income ) and never had that happen. I have never been late on the card and there has never been issue. I called to speak with someone at Citizens Bank XX/XX/20 and was told I would get a return call and never have.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX  XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2021-02-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Allied Servicing Corporation (MS)

Hey I'm have a problem with my loan company with missed information about an house me and my kids mom purchased. We purchased a rent to own house from a company in 2020 in XXXX paid down XXXX and XXXX a month.But found out it was a foreclosure home that we would've purchased cash now we are paying a mortgage for a house we could've bought they leading us in the blind about the house I have proof and papers to prove it I need help to see what going on because I'm not understanding what's going on missed info thanks for taking the time out for looking into my case.
Consumer complaint received 2022-10-28
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. (IL)

I have contacted EXPERIAN, XXXX and XXXX i have uploaded my FTC report with letter and ID they have ignored my dispute by saying i need all creditors to send me a letter who all declined to do so. I have sworn fraud and ALL NON HOLDING ACCOUNT INQUIRIES ARE FRAUD On ( date ) you placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. 

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. 

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter in addition to forwarding me documentation that the unauthorized inquiry has been removed.

If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this.