davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

I closed my CHASE Bank checking account in XXXX I believe. 
Chase Bank sent me a letter by mail said that I have a past-due balance of {$2500.00} which I have to make a payment on XX/XX/XXXX. 
I made the payment by cash on XX/XX/XXXX at the branch where I closed my checking account and I believe the record is in the bank 's system. 
However, Chase sent me the same letter on XX/XX/XXXX indicated that I still need to pay that {$2500.00}. And another letter was sent on XX/XX/XXXX, indicated that Chase has received my {$2500.00} as a deposit but they are unable to locate a Chase account cause I've closed my checking account. So I went back to the branch to figure out what is the problem. 
After talk with the banker, the issue is the cashier who helped me with the payment made a mistake by making a deposit instead of a payment. Payment is what supposed to be instead of the Deposit. So the banker called the phone number on the letter I received which is XXXX to change the type of deposit to the payment and told me all set. 
Surprisingly I received a letter which was sent on XX/XX/XXXX and said that the bank has reviewed my account and determined that its balance of {$2500.00} and current status are accurate, which means I still owe Chase {$2500.00}. But when I called the banker, she still told me the letter means all set. 
In last week I just received another letter that sent on XX/XX/XXXX and said I need to make the payment ASAP cause there is still a {$2500.00} past-due balance. 
It has been 4 months till today since I gave the cash to the Chase bank on XX/XX/XXXX. 
Unfortunately the banker told me that there is nothing she can help with cause the collection department and deposit department don't cooperate. 
My top claim is the Chase bank need to correct their mistake and delete my record of the over-due payment cause I paid 4 months ago. Otherwise the Chase bank needs to give that {$2500.00} back to me first if they want me to make the payment for the second time, and the record needs to be removed as well. 
Thanks for your time and I do appreciate your help.
Consumer complaint received 2019-09-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am extremely frustrated with Experian, and their customer support system. I have an Experian account which I was trying to log into. I know my username/password/security questions. The system asked me for a 4 digit pin. I tried a few times and wasn't successful. The website gave me a number to call in order to get assistance. That phone number never connected me to a human being, even though I put all the data that was requested of me. What's more, the automated phone system did not resolve my issue, it allowed me to change my password, but it didn't allow me to change or obtain the 4 digit pin code. When I tried to log back in online, it just said contact this number and round about we go. There is no physical way to contact customer support directly from the numbers provided on Experian 's website. Even tried different menu options, different numbers I found online. It's outrageous that I have such a simple issue that I needed fixed and I can not do it online, when I call, I can't resolve over the automated system, and there's no way to talk to a live person.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (SC)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I am living in XXXX, TX XXXX. I didn't travel in XXXX, TX and didn't shop at XXXX store in XXXX. Someone used my HomeDepot Credit Card to purchase total {$4900.00} at HomeDepot XXXX, TX on XXXX. HomeDepot sent me a bill to pay that amount with a due date on XXXX. I haven't been using this HomeDepot Credit Card long time and the card is still with me in XXXX, TX and I wasn't at XXXX on that date. I reported and claimed for fraud investigation. After HomeDepot did the investigation, they still sent me the letter in XX/XX/XXXX and said " We've conducted our investigation using the information the you provided about this dispute. With the information we had, it wasn't enough to support your claim and resolve thi dispute in your favor. As a result, we have re-billed the desputed charges to your account and consider our investigation complete. '' HomeDepot still want me to responsible to pay the bill {$4900.00} purchased by someone in XXXX even though I live in XXXX, TX. HomeDepot didn't alert me that my credit card was used outside of my address that I applied on my card and with very large amount of money. I also filed the police report. Since it appeared the offense was outside of the jurisdiction of the XXXX Police Department and was forward to the XXXX, TX Police Department on XX/XX/2021 and sent me this site to contact to place a fraud alert and monitor my credit history.
Consumer complaint received 2021-04-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources (NC)

I called FirstPoint Collection Resource spoke with Mrs. XXXX and paid the collection on XXXX for {$120.00}. She told me that this would be removed from my credit within 30-45 days. As of XXXX is has not been removed. I have spoke with her multiple times with the same response, that she has sent to supervisor for removal. I would like to request that they comply with the removal that I was told via a recorded line with a automated universal data form to XXXX  for paid for deletion immediately.
Consumer complaint received 2021-04-17
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. (PA)

Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX Please remove all phone numbers, emails, and addresses on my credit report. 

Please remove all the other addresses off my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-02-17
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: Stuart-Lippman and Associates, Inc (FL)

In XXXX, I was an independent life insurance agent and appointed with XXXX XXXX XXXX XXXX XXXX in XXXX, TX. In XXXX of XXXX, I received commission from this company, assigned by another agent. In the second half of XXXX, XXXX XXXX notified me that I owed the commission back, however I was no longer independent and had moved on to being employed at new job. Since I didn't see the email they sent, I didn't address it and a couple of month later ( in XX/XX/XXXX ) they hired a law firm to collect the debt. I received letters from Stuart-Lippman & Associates, Inc.at my home and my work informing me they had been hired by the insurance co. I contacted XXXX XXXX but they would not speak to me stating that I had to speak with their attorney. I asked attorney XXXX XXXX to provide me proof of the debt. He sent a snippet of my agent contract & a commission statement, which did not validate the debt. I have disputed the debt and am still disputing it. 

Recently, the law firm reported their collection activity to XXXX. I disputed this with the credit bureau and after investigation, said they couldn't remove it because they had confirmed the debt. I don't believe it is fair to report this against me to credit bureaus for a number of reason 's related to my ongoing dispute. This doesn't fall under the scope of what should be reported to credit bureaus as I did not default on credit extended to me nor did I fail to pay for good/services received. I am asking that this be removed from my credit report based on it being something that should not be reported to credit bureaus.
Consumer complaint received 2021-04-17
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 was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-17
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. (NY)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.
Consumer complaint received 2019-09-25
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-03-23
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. (TX)

according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE AUTO FINANCE is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX and XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b.

I have not initiated any transaction with CAPITAL ONE AUTO FINANCE. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CAPITAL ONE AUTO FINANCE for review or collection.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (KY)

A third party Debt collector namely XXXX XXXX brought and obtained an debt by XXXX XXXX the party who bought the current debt stated on my credit report that I open or bought services or items on XX/XX/XXXX, when in actuality I never brought any services, phones or other items from them at ANYTIME! The account may have been a part of on older Bankruptcy filed here within the state of Kentucky.According to this Agency that a debt of {$560.00} dollars was vested by me which in fact I dont have any services or phones through this Wireless vendor. And in fact I never had. Also several Credit reporting Agencies stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA. XXXX, which in fact I have never resided at this location because I've lived here in this state for the majority of my life. And accordingly they also reported that several student loans that were dismissed, paid off, charged off, past the " legal '' mandatory statue of limitations has ran out on several if not all of these loans. XXXX  who is the provider of my various loans sent me a letter dated XX/XX/XXXX a post-discharge monitoring period was in effect for a total of ( 3 ) Three years from the discharge date. I fully met these requirements due to being XXXX  and unable to pay off any of these loans.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

I, XXXX XXXX XXXX, a XXXX XXXX, and a consumer whos consumer rights are protected by 15US code consumer laws. I recently received a copy of my consumer report and found that my consumer rights have been violated under the law. XXXX XXXX XXXX  account number XXXX has furnished late payments on my Experian consumer report in XXXX XXXX and XXXX of 2023, This is a clear violation of my consumer rights by both XXXX XXXX XXXX  and Experian. 
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code clearly states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I gave no permission or consent verbally, written, or electronically to furnish these alleged late payments on any of my consumer reports.

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of Construction- Exclusions from a consumers report clearly states.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeA consumers transactions are excluded from consumer reports.

( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete these alleged late payments on this account for this is a direct violation of my consumer right under this law and is grounds for legal action against all parties involved. Failure to respond to my demand under the law in 30 days or less will result in legal action for which I will be seeking damages of {$1000.00} per violation.

1 ) Defamation of Character 2 ) FCRA 15 USC 1681 violations for willful non compliance -616 Civil Liability for willful non compliance under 15 USC 1681n Please Understand these actions taken by these companies to furnish then report these marks have harmed my credit and reputation and my ability and freedom to bank, do business with, obtain funds, be approved for credit at low interest rates and to buy or move into a better place for me and my family. Please address this in a timely manner under the FCRA.

Thank YOU.
Consumer complaint received 2022-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc. (IN)

I've received numerous calls from CMRE Financial Services at XXXX. The company provides no way to be removed from their call list because they only leave voice mails and the phone never rings. The most recent call I received was on XX/XX/2022 at XXXX. The voicemail advised that it was CMRE Financial Services calling on behalf of XXXX XXXX XXXX  XXXX. They also advised that they were attempting to collect a debt for XXXX XXXX under account # XXXX and to call XXXX or go to XXXX. I've never heard of XXXX XXXX. I have no debt to be collected, so this call is not for me.
Consumer complaint received 2019-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear TRANSUNION : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Account Name : XXXX - XXXX Account Number : XXXX
Consumer complaint received 2021-03-08
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. (AR)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell.

I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2022-10-14
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. (LA)

Balance is paid in full. I need it corrected. This is causing me not to be able to get a auto loan at a acceptable rate. I have to be in Florida soon to start work, and this is causing me not to be able to go with the high rate this card is causing me to have. I need it fixed immediately.
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (NY)

I was contacted by a collection agency named Credit Control LLC that claimed that I owed a debt. I wrote the collection agency asking them to validate the debt on XX/XX/XXXX and mailed it via certified mail and it was delivered XX/XX/XXXX. I did not receive any response from this agency and per my understandings they are supposed to respond within 30 days of receiving my request. The debt is being reported on my credit report, which is hurting me. I made a second attempt to contact the collector on XX/XX/XXXX and the letter was delivered via certified mail on XX/XX/XXXX ; I received an incomplete validation response from the collector which did not address my 2 prior validation requests. I have no proof that they can even contact me to discuss this debt they claim that I owe or collect on the debt that they claim I owe because they have not provided proof- they could be scamming me for all that I know. So much time has passed since I requested validation of this account and the first contact that I received since my initial validation request was dated XX/XX/XXXX ( which I did not receive until XX/XX/XXXX ). Additionally, the information that they mailed to me does not prove the debt they claim that I owe is accurate as all I received was a contract that does not have their name listed anywhere on it as being authorized to contact me or anything real clarity regarding this alleged debt. I am contacting you because it has been over 90 days since I sent my initial validation letter and I feel that it is unfair that this is being reported on my credit report when they failed to validate the debt.
Consumer complaint received 2019-10-13
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: Merchants Adjustment Service, Inc. (KY)

Merchants Adj services continue to report a debt in my name. XXXX handles all payments in full. XXXX determined I should not have any bill being reported to the credit reporting agencies as there is a legal agreement with the medical agencies and XXXX that prohibits these types of actions. Merchants Adj services continues to report this account in my name anyways to all 3 credit bureaus. Im a XXXX senior and I am not able to resolve this without seeking the CFPB portal for help.