davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (AZ)

I have noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-21
Product: 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: Comerica (OH)

I submitted a dispute on XXXX XX/XX/XXXX. On the XXXX business day I submitted it in writing. But no provisional credit and was dismissed because someone in their dispute department had submitted a fraudulent statement on my behalf. So now they opened the case back up but because of the time frame I am disqualified from receiving the temporary credit? That's shady as XXXX. They said I had my card at time of transactions. This was false and I reported nothing like that. Every phone call I explained that the last I seen it was at XXXX XXXX and my original call on the XXXX was to order a replacement. I didn't even know anything was spent until they told me. I woke up couldn't find no where. I XXXX looking so I called to order new one. Good grief this was on purpose. 


Be advised I just submitter last XXXX of card number
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 
Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica (NY)

Ive called the retailer which is XXXX about four order numbers, five items, altogether purchase separately, but shipped and delivered on the same day they were delivered to the wrong address. The delivery photo that the driver takes obviously shows that it was not my building or you in my neighborhood from the background in the building that it was made against And I was standing out but regardless I called the credit card company after XXXX denied the refund they were no help. I asked them every question I was supposed to sit on hold for an hour and a half at least the phone disconnected after they told me theyre gon na transfer me to the person that could help I called again. They said they could not help me. This was last night Which was Saturday, XX/XX/2023 Ive been dealing with XXXX since XX/XX/2023 Ive spoken to 33 representatives These are the four order numbers of the five products that never got delivered to my residence and I was not reimbursed for the dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX was is the actual delivery day XXXX XXXX XXXX XXXX XXXX Order date : XX/XX/2023 Order # XXXX Order total {$18.00} ( 2 items ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ... {$9.00} Qty : 1 Sold By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ... {$8.00} Qty : 1 Sold By : XXXX XXXX Order date XX/XX/2023 Order # XXXX Order total {$36.00} ( 2 items XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  {$5.00} Qty : 1 Sold By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$29.00} Qty : 1 Sold By : XXXX XXXX XXXX - Order date XX/XX/2023 Order # XXXX Order total {$12.00} ( 1 item ) XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX ... {$12.00} Qty : 1 Sold By : XXXX {$67.00} total No actions were taken by the company though they admitted they did deliver it to the wrong address The delivery proof photos of the driver took theyre not of my resident I live in a brick building. Theres no white vinyl shining or flower pot gardens anywhere in my neighborhood and park. Benches are outlawed. This is not my neighborhood or my building or my residence is and disputable
Consumer complaint received 2020-06-10
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. (CA)

I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

The company has been charging late fees for over a year on on mistake their computer made. I have my account setup on automatic payments for the minimum amount due. Their system failed so do so and they were charging {$85.00} so because the {$85.00} was never made they were charging {$40.00} a month late fees. I called the company to fix the {$85.00} problem but then I was asking about the mattress fees they said they could give me back my late fees. I said was the error was on your side not mine so why am I getting charged for your error. The said they could not help me. So I'm reaching out to you for assistance. Thank you
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings (TX)

On my credit report, they reported my being 60, 90, and 120 days late, however, they failed to report the initial 30 days late. I have added a screenshot of what I am seeing on my credit report down below.
Consumer complaint received 2023-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

I am asking to have a late payment removed from my credit profile. This mortgage company has not been reporting proficiently to the credit bureaus. I am receiving a 30 day late payment on my credit profile in the month XXXX from a payment in XXXX. I have made payments in XXXX that are not reporting it reflected on my credit report. Its showing that my last payment was made on XX/XX/XXXX which is incorrect.
Consumer complaint received 2024-01-09
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

I don't owe this debt! I have not authorized anyone to put this on my credit profile. This information was already disputed and removed several times from my credit report at this pointthis is harassment. I have filed for bankruptcy and am not responsible for this debt!
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Informative Research (GA)

I consented to a credit inquiry on XX/XX/XXXXXXXX  performed by XXXX XXXX XXXX Informative Research XXXX I DID NOT authorize my credit to be pulled AGAIN on XX/XX/XXXXXXXX XXXX  by the same entities. As a result I request that all reporting credit bureaus remove that inquiry from my report.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

Opened a CareCredit account about 2 years ago to help pay for my dental work. 
In XXXX of 2022 I was charged almost {$1700.00} in finance charges due to the fact the card had a temporary no interest fees that I was not aware of. Tried to get help from the card company, missed 2 payments and they closed my account and submitted 11 late payment incidents to my credit report, my credit score dropped XXXX points and they closed my account.
Consumer complaint received 2024-01-09
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WA)

On multiple occasions i attempted to reach my mortgage servicer Newrez. All of the phone numbers listed on their website XXXX XXXX XXXX XXXX  are unreachable/disconnected. I then attempted to reach them using their contact form on their website over a week ago and there has been no response. At this point I am worried that this company is acting in a fraudulent manner. 

They sent me a packet in the mail with a letter informing me that I recently asked for mortgage assistance. I never requested mortgage assistance. I do not know why they sent this packet, and I feel that I should be able to communicate with this company. I don't know if there's some kind of fraud happening, but It's not a good sign that all their phone numbers on their website are disconnected
Consumer complaint received 2020-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I already submitted a CFPB complaint to Transunion in which they responded to me through the CFPB and said they will reach back out to me in writing in 30 days. Its been over 30 days and I still have not received any response. This is against the law to have to go through this. Itll be 120 days since ive sent out my first letter to them with no response, which is the reason why I submitted a CFPB complaint in the first place. I will now seek legal action to help me get through this problem I am having.
Consumer complaint received 2023-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

I was NEVER noticed of this so called debt, no phone call, no email, no letter in the mail. This just showed up on my credit report. The are laws set in place for situations like that. I will be filing more complaints on your company for disregarding the law. YOU JUST CAN'T PUT MISLEADING AND INACCURACY INFORMATION ON SOMEONE CREDIT REPORT WITH NOTIFING THME FIRST AND GIVE THEM THE RIGHT TO DISPUTE THIS SO CALL DEBT. I do have my credit report from last month and your company was not on it, but this month it is.
Consumer complaint received 2023-03-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Several years ago I purchased a used vehicle through a car dealership and a finance company credit acceptance corporation and I surrendered the vehicle back to the finance company after having it for 1 month and I purchased the vehicle for {$3000.00} and and now the collection on my credit report says I {$7200.00} and it's stopping me from getting a home loan for me and my kids
Consumer complaint received 2023-03-14
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. (PA)

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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights.

15USC1681 section602 ( a ) states i have the right yo privacy.

15 USC section 604 ( a ) states a consumer reporting agency can not furnish an account without my written consent or instructions.

15USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedates the report by more than 7 years 15 USC1681 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 2021-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The transaction happened on XX/XX/XXXX. It was a {$2000.00} transaction. I never authorized this transaction. I contacted Bank of America about it but they denied my claim.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (PA)

I filed a fraud dispute with my XXXX  XXXX from a purchase in XXXX with XXXX XXXX and XXXX in Florida. 

They honored the fraud on the XXXX purchase and refunded that money, but the XXXX XXXX they did not. They are both fraud they are both on the same day and they are both from Florida.
Consumer complaint received 2023-02-10
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-13
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2020-12-27
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.