davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
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. (LA)

I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus EXPERIAN ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( XXXX ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT XXXX? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?
Consumer complaint received 2018-06-19
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: EQUIFAX, INC. (CA)

This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/18 an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/18 on Equifax by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX  I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative XXXX XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank made a error and lien our property with another property 's loan and they are not responding to my complaint and I am about to lose a refinance because of their error, please read the complaint I filled with Chase. 

Reference : chase loan # XXXX Case # XXXX Case # XXXX Property address : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX : XXXX To whom it may concern : In XXXX Chase offered to refinance this loan for a lower rate which we successfully did. 
In XXXX XXXX it was brought to our attention by XXXX that Chase Bank has a lien for collateral the neighboring house on XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX we are in the process of refinancing XXXX XXXX XXXX with XXXX they have given us notice that they can not proceed with the refinance until Chase Bank corrects this error and removes the collateral loan from this property to the correct property and parcel number which is XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX number XXXX. 

I have sent in writing at the beginning of XXXX to Chase alerting them of this error I received a letter on XXXX XXXX that they are " researching '' this issue I have called practically every business day since then talking to multiple agents and transferred from department to department with no one offering a resolution, I have contacted first XXXX XXXX XXXX ( file # XXXX ) they have acknowledged the error but can not proceed without instructions from Chase I have exhausted all of my attempts to try to get Chase to correct their mistake I have spent endless hours on the phone I have visited the local branch in XXXX XXXX and met with XXXX XXXX XXXX relationship banker XXXX XXXX who spent 1 hour on the phone and no one has any idea how to resolve this issue. 

Time is running out where we have a rate locked in with XXXX on XXXX for the refinance, if Chase does not resolve this by XXXX XXXX, XXXX I will have no choice but to initiate a lawsuit with legal action to recover my financial losses because of the error that Chase Bank is not correcting, Chase bank has had over 30 days of notice to correct this error, only to give me the runaround and much lip service without any resolution all I get " its being researched ''!! 

If I do not hear a response for you by Monday, XXXX XXXX, XXXX I will retain an attorney to represent me and to go with the full strength of the law to recover my losses and punitive damages for my time and energy exerted in trying to correct this wrong. 
You can reach me at XXXX my cell phone or you can reply to this email address I truly hope that the Chase bank will take this matter seriously and will respond favorably and immediately, Sincerely, XXXX XXXX
Consumer complaint received 2017-05-27
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. (TX)

I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,    2017  {$7500.00} This account i s 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$3000.00} In Collections/Charge-off
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. 

It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX These companies have violated my rights 15 U.S.C 1681 section 602 A .States : i have a right to privacy.

15 U.S.C 16881 section 604 A. section 2. : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agencymay make any consumer report containing any of the following items of information and any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has resonable cause to believe that the information is inaccurate
Consumer complaint received 2018-06-19
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. (FL)

I have disputed an account on my credit file, it has been resolved by all but Trans union. It was reported paid in full XX/XX/XXXX, it was an auto loan with a total loss in hurricane XXXX. this item has been disputed in XXXX XXXX XXXX and XXXX and yet trans union still shows an open account. I had to purchase a used car and due to the XXXX balance I am paying 22 % interest and have not been able to refinance due to it still showing on my credit file. 
This is what it sows as of 10 minutes ago and it is costing me thousands of dollars that I want back due to there failure to correct this XXXX XXXX XXXX XXXX XXXX XXXX $ We Think You Could Save Last reported : XX/XX/XXXX {$22000.00} Good Overview You've paid off 26 % of the original amount. 
Balance {$22000.00} Highest Balance {$30000.00} Monthly payment {$490.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Term 75 months You have an estimated {$3600.00} in interest left on your car loan We think your 7 % APR may be high ( est. from your credit report ). Refinancing might help you lower your APR and save on interest.

See if you can save Payment History Youve made 100 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Open Type Automobile Responsibility Co-signer Remarks -- Times 30/60/90 days late 0/0/0 See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,  2017  {$7500.00} This account  is 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XX/XX/XXXX    {$3000.00} In Collections/Charge-off
Consumer complaint received 2016-01-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I called bank of america to inquier about a credit line increase. The rep assured me that it would not be a hard inquiry. She assured me 4 times and than a 5th time that there will not be a hard inquiry on my credit. I received an email from XXXX 5 minutes later stating there was a hard inquiry on my credit report from bank of america. I called back and the next rep told me that there is always a hard hit and didnt know why the first rep told me. I requested to have the call pulled. The 3rd customer service rep said she would go ahead and see what could be done. Bank of America put a hard pull on my credit report after stating over and over again that it would not be a hard pull
Consumer complaint received 2019-06-24
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. (MS)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts XXXX ( reported thrice on my Equifax credit report ) , XXXX XXXX XXXX, XXXX XXXX ( reported twice on my Equifax credit report )
Consumer complaint received 2019-06-24
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. (MS)

I am not the owner of XXXX XXXX XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Consumer complaint received 2019-06-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Unknown account. On top of that, there are Inconsistent information reporting on my credit report on all three bureaus : XXXX reports XXXX balance while two other credit bureaus report a balance of {$6500.00}. Also, there is no indication on which company this account originated from.
Consumer complaint received 2020-02-08
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: DISCOVER BANK (CA)

Discover Dispute # : XXXX To ConsumerFinace and XXXX : Material Red Flag : Broken Internal Control Design of Customer Complains - not following the set process. 

1. Not in time : Per the supervisor, the first step of customer complain should be resolved within 30 days. I've filed my dispute on XXXX and the merchant responded on XX/XX/XXXX. However, I had not heard back from Discover until XX/XX/XXXX. 

2. Weak Design : The supervisor said the first conclusion that the case should be without the human intervention. And then she told me that this case was reviewed by HUMAN for the FIRST TIME when i called - then they reversed the transaction to continue the case. Which means they rely on customer complain to handle dispute and if i didn't call, this transaction will be closed in merchant 's favor. When i asked what info was provided by XXXX for discover to close the case in their favor, she said the fact that XXXX responded. It amazed me how Discover are being honest about their weak control design. 
Funny enough the info XXXX provided was ONLY MY NAME and ADDRESS, whereas i provided my return slip, tracking number of return and the delivered confirmation from XXXX. Please note that if this sale was final i wouldn't be able to get a return slip from XXXX. 

3. Next step : The representative told me that this may take more than 6 months. Is that what they wrote in their XXXX? How timely is that?
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUSSRQ Holdings, LLC (OH)

I have no knowledge of this company and have never done any business with such ( OLIPHANT USA LLC ) .I know for a fact that I never signed any papers with such company therefore I'm requesting that this derogatory information be removed from my credit report ASAP
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (PA)

I contacted the company rep in XXXX of 2019.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (TX)

Credit Control, LLC has no true number! On the top of this settlement offer. I tried multiple times on XX/XX/19 - XX/XX/19 - XX/XX/19. It clearly states office hours ( EST ) are Monday- Friday XXXX XXXX - XXXX XXXX   XXXX - TTY XXXX. Did my own research and found a list of numbers. Today Monday XX/XX/19 I tried one of the numbers XXXX on the list and finally I got ahold of someone. The employee told me she's was needing my information on the letter that I received. Before she was able to give me anything I was just calling in to get a good fax number! Than I told her that she's going against all my rights. She than decides and said out loud That she dont have to hear this and disconnect our call. She was trying to be misleading and very rude. So I did call back and the next person I talked with gave it right to me XXXX and I did confirm again with the fax number. Never heard of this company.We have no clue who Credit Control are. We tried for over 10 days to talk with a real person on the phone. It don't hurt to be overly cautious these days.
Consumer complaint received 2019-06-24
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. (MS)

I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : 06 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX  XXXX ), XXXX XXXX  ( ORIG CREDITOR : 11 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Consumer complaint received 2022-07-11
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: Convergent Resources, Inc. (GA)

in accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

XXXX XXXX XXXX Account number XXXX Convergent Outsourcing / original creditor XXXX XXXX Account number XXXX I also have old addresses that is not removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX skippeXXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX There is a name XXXX XXXX that is clearly not me. 

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.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I signed up for the XXXX XXXX XXXX ( Mastercard ) managed by First Bankcard of Omaha, NE. The card was advertised as having an annual membership fee of {$20.00}. However, I was charged an additional {$50.00} fee described as for the " Rewards Program '' that was not disclosed in the ad offer. If I had known there was an additional {$50.00} fee, I would not have signed up for this card.
Consumer complaint received 2020-02-08
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. (FL)

EXPERIAN, XXXX AND EXPERIAN HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX    XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX  --
Consumer complaint received 2020-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX   XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX --
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank although all cards paid on time and long ... They CLOSED all my accounts that I had for years. 

They are now showing I owe more than my Available Credit. 

No notice, no email. They said I was a risk. I was NEVER EVER late. 

This is not fair to me. They could have at least called or something. I sparingly used the cards and only my furniture card had the highest balance. 

I have worked for 5 years to rebuild my credit after Chapter XXXX. They just ruined this for me.
Consumer complaint received 2023-05-04
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. (NV)

In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible. 
XXXX XXXX Balance : {$330.00}.