davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have filed several complaints about inaccurate reporting of my payments. The loan was paid in full and on time in XX/XX/XXXX. There are discrepancies between whats being reported to the 3 different credit bureaus. Twice XXXX XXXX XXXX XXXX ( XXXX ) took more than 30 days ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 70 days ) and ( dispute received XX/XX/XXXX, responded on XX/XX/XXXX 39 days ) to respond to my complaint and simply ignored the premise of the complaint. 
Although the account has been paid and closed in XX/XX/XXXX upon my disputes in XX/XX/XXXXand XX/XX/XXXX, XXXX has marked my credit report with a payment status for XX/XX/XXXX and XX/XX/XXXX. 
It is unacceptable that XXXX continues to ignore the FCRA, refuses to answer disputes within 30 days, posts inaccuracies to my credit report and behaves with impunity despite the fact that the loan was paid in full and in a timely manner.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

From XXXX to XXXX of XXXX, i filed a dispute Experian and XXXX about the Unverified account XXXX  XXXX  account # XXXX. I have not received a response in over 30 days which is a violation of the FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved.. Thank you
Consumer complaint received 2020-12-22
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: TD BANK US HOLDING COMPANY (NY)

I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from XXXX XXXX, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from Td Bank XXXXtarget C. I disputed the XXXX  inquiry, however XXXX  is requesting I send documentation from FTCXXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed from my credit report.
Consumer complaint received 2020-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.
Consumer complaint received 2023-03-20
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 according to 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 has violated my rights.

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. 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAINE & WEINER COMPANY, INC. (DE)

THERE IS A CAINE & WEINER WHO IS REPRESENTING THE ORIGINAL CREDITOR PROGRESSIVE INSURANCE THAT IS REFLECT ON MY CBR AS NEGATIVE IN WHICH I NEVER HAS THIS ACCOUNT ... THEIR CONTACT INFORMATION IS P.O BOX XXXX XXXX XXXX, CA XXXX ... .THERE IS ALSO AN XXXX   XXXX XXXX  ACCOUNT THAT REFLECTS AS NEGATIVE ON MY CBR IN THE AMOUNT OF {$1200.00}. THE ORIGINAL CREDITOR IS THE XXXX XXXX XXXX .THIS IS ANOTHER ACCOUNT THAT DOES NOT BELONG TO ME. I AM UNAWARE OF HOW THIS IS BEING ATTACHED TO MY CBR ... PLEASE DELETE THESE ACCOUNTS ASAP DUE TO THE NEGATIVE EFFECT IT IS HAVING ON MY CREDIT REPORT ....
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of these negative items are as follows : XXXX XXXX XXXXXXXX - XXXX Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately. 

The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately. 

XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay. 

I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-10
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. (FL)

I just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, Chase Credit Card pulled {$220.00} from my Chase Checking account. I am unemployed and can not afford basically anything right now. After pulling that payment, I was left with {$13.00} in my account. I AM UNEMPLOYED. I did not authorize this payment. I called and had my payment plan cancelled a month ago due to still being laid off and not being able to afford such a high payment. Chase decided to still pull this money from my account and it was UNAUTHORIZED. On XX/XX/XXXX, I spent XXXX hours on the phone with various departments trying to get this payment reversed as it was unauthorized. After XXXX hours, I was told once the payment was posted I would be able to call back and have it reversed. On XX/XX/XXXX, I called the credit card department and explained the situation again. I was then transferred to payments where I explained the situation again and was transferred to a supervisor. I explained the issue to the supervisor and she told me there was nothing she could do because my account was in a past due status. I explained to her that this payment was UNAUTHORIZED and that it needed to be reversed back to my account. I am unemployed and unable to barely feed myself. That {$220.00} was my meals the next XXXX weeks. She stated she couldnt reverse it. I never authorize them to do this as my plan was cancelled in XXXX.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (GA)

Brought XXXX XXXX from XXXX XX/XX/XXXX, Bridgecrest finance the car for XXXX, for 72 months the car was total on XX/XX/XXXX and I still owe XXXX. I wasnt at fault didnt have Gap they claimed. The third party ins took blame was suppose to paid them XXXX they also took my vehicle and left me carless. My problem is I paid them XXXX a month and only XXXX is applied to principal
Consumer complaint received 2022-12-14
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. (NY)

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 Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00}.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (NC)

Took my two grandsons to urgent care in SC. Was unaware NC Medicaid didn't work in SC. Talked to NC DSS, and was told they would take care of the Bill, and for me not to worry about it.

Everytime a bill came in, I took it to DSS. They never made any attempt to pay it. So it went on my Credit report as a derogatory item. When I noticed it on my credit report, I paid it off, but the Company never removed it from my credit report.
Consumer complaint received 2019-07-05
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. (GA)

I had some concerns after getting a letter about a breach at XXXX XXXX. On XX/XX/2019, I went to annualcreditreport.com and pulled my credit report. Everything seems to be ok except for my report showing two different addresses. I have lived in Georgia my entire life and for the last 33 and 1/2 years I have lived at XXXX XXXX XXXX, XXXX, Ga XXXX which is the first address on the report. There is a 2nd address showing of XXXX XXXX XXXX, XXXX, XXXX, NT XXXX. Address ID # XXXX. I have never lived at this address and I don't know of anyone that does. Would you please help me with this? Thank you. XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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 just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.
Consumer complaint received 2020-12-22
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: CCS Financial Services, Inc. (NY)

Credit Collection is reporting fraudulent informationn on my credit file. 
I paid this account even though its not mine because they promised they would delete the account. Now they are telling me that there is NO record of the conversation!!!
Consumer complaint received 2019-07-03
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. (IL)

MY NAME IS XXXX XXXX. I AM XXXX YEARS OLD SND HAVE BEEN A VICTIM OF FRAUD ON ALL MY CREDIT CARDS. I EVEN HAD TO CHANGE MY BANK ACCOUNT NUMBER. THERE IS A COMPANY CALLED XXXX XXXX XXXX XXXX XXXX  THAT HAS GOTTEN A HOLD OF MY CREDIT CARD INFORMATION. THEY CHARGED MY CREDIT CARD 2 TIMES XX/XX/XXXX {$12000.00} AND XX/XX/XXXX $ XXXX WAS TOLD THAT THE CREDIT CARD COMPANY WAS GOING TO REFUND THE {$18000.00}. I THEN RECEIVED A PHONE CALL STATING THAT THEY CAN'T REFUND ME BECAUSE OF THE LENGTH OF TIME THAT THE MONEY WAS PAID. I HAD CHARHES FROM THIS SAME COMPANY THAT CHARGED MY OTHER 2 CREDIT CARDS VISA AND XXXX. THEY BOTH REFUNDED MY MONEY. I THEN CALLED THE CC COMPANY WITH MY FRIEND XXXX AND WE SPOKE TO XXXX AND SHE THOUGHT WE WERE ON HOLD BUT HEARD HER LAUGHING AND TALKING ABOUT ME. SHE SAID I WOULDN'T REMEMBER ANYTHING NEXT MONTH. SHE WAS TAKING ADVANTAGE IF A SENIOR CITIZEN AND SHE DISRESPECTED ME. I HAVE BEEN A CLIENT OF THIS CC COMPANY FOR YEARS AND REALLY FELT TERRIBLE.WHY ARE THESE COMPANIES TREATING A XXXX XXXXEAR OLD LADY LIKE THIS.
Consumer complaint received 2019-07-03
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. (NY)

I have made a reservation with XXXX for one day stay at The XXXX XXXX XXXX XXXX   that I later needed to cancel. Upon cancellation I have received an email from XXXX stating that if my cancellation occurred less than 5 days prior to arrival I would be charged {$160.00}. Instead of the correct amount The XXXX XXXX charged my Chase card {$460.00}. I disputed the charges with Chase and a month later received a USPS letter stating that my dispute has been closed and transaction was determined to be valid. I called chase and was told that The XXXX XXXX has submitted printouts from a website I have never seen stating what their cancellation charges would be. I insisted in reopening the dispute and once again, submitted a cancellation email from XXXX stating that my cancellation fees would be {$160.00}. A month passed by again and I once again received a USPS letter stating that my dispute was denied. This happened several times without any explanation of any kind. Chase kept saying that The XXXX XXXX submitted a web site printout and was not paying attention to anything I was sending in. When I received a third denial letter dated XX/XX/19 I called Chase again and was told that even thou they now do see that my cancellation fee should have been {$160.00} and not {$460.00} there is nothing they can do because my dispute time frame has passed and hence charge is deemed to be valid. 
I feel that since I filed the dispute within the allowed time frame and provided all support documentation I should not be paying for Chase incompetence and refusal to even look at the documentation I was sending in. 
Chase caused time to lapse, not me. I provided all documentation since the day I filed the dispute. Why am I responsible for incorrect charges that Chase failed to properly dispute with a merchant?
Consumer complaint received 2019-07-03
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. (CT)

I filed a dispute with Chase in XX/XX/2019 and was given a temporary credit of {$500.00}. I received a letter from them on XX/XX/2019 informing me the credit was removed because I did not provide additional information after merchant contested. I called Chase the same day and explained I never receive any letter or voice mail requesting any information. I was told to fax a request to Chase to reopen the claim, which I did the next day on XX/XX/2019. I called today on XX/XX/2019 for an update and found out the reopening request was denied since too much time has passed after the merchant 's response. 
It's very disappointing that I was never given the opportunity to respond to the merchant 's response, and I was denied a refund for the unfinished work by the merchant after he signed a contract to perform the job.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a late payment showing on my credit report that doesn't below to me. XXXX   XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Consumer complaint received 2023-02-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Amount- XXXX $ I bought Furniture from this company for XXXX XXXX I then paid it off in installments. Once I paid it off they began calling and XXXX  me about money I owed. The amount they were stating was not what we agreed on when I bought the Furniture. This was in XXXX of XXXX. A few years later it appears on my credit report as a debt that I owe. They sold this so called debt to a debt collector ( Acima Digital FKA SIMP ). It seems as Furniture conspired to scam me all along. Thank you very much for helping with unfortunate, time consuming process.