davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (AR)

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX : 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 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

{$68.00} - XXXX XXXX is continuing to put old medical bills on my credit report that were removed repeatedly because I had medical insurance that covered the bill $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX also is a company that continues to put a balance from a medical bill that was not only covered by my insurance but has been removed multiplies times in the last 2 weeks the dates are incorrect on both these bills and the companies need to be help accountable for this invalid information
Consumer complaint received 2021-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XXXX I divorce my husband and in the settlement he was awarded full responsibility of the Bank of America, The problem is that Bank of America refusing to deleted this from my credit report. My X husband has passed away that was in XX/XX/XXXX since then this bill has shown up my report. I believe that his son might be using card with that would be fraud again still not on me. I have attached my divorce papers so you can see this is my account nor do I have any financial responsibility for it
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (VA)

I was alerted that an account was reported as in collection on my 3 credit reports. The collection company, Amsher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX reported that I had an account with XXXX XXXX in the amount of {$270.00}. I did not open this underlying account, did not receive any goods or services from XXXX XXXX, and have not knowledge or notice of the debt. I have twice attempted to dispute the legitimacy of the account, but both times XXXX has stated that the debt was valid. I also disputed the debt directly with Amsher Collection Services in writing, but have received no response. 

I have disputed this validity of this account with all three credit reporting agencies, of which XXXX has deleted the invalid account from my credit report.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (TN)

For 2 or 3 months ive been trying to get my money from my venmo acct. They said ot was frozen bc negative balance now ive verified my identity and still they are refusing. I put. The money in there and i need it bc my husband jus passed away and times are hard. Ripping ppl off isnt right.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

IC System, Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX Account # XXXX ) The account was opened in the state of Georgia. I live in California. I have never lived outside of California nor have I ever cosigned for anyone to open an account. 
The said action appears on my credit report. At this point, it is preventing me from refinancing my home. I have disputed the action with XXXX, IC System and XXXX Neither XXXX nor ICS has provided me with documentation of the said account, nor the names of the account holders. I am requesting this account be removed from my credit report. The total debt is {$1100.00}. I have been advised by 2 different Mortgage companies ( XXXX and XXXX ) to pay the balance so we could resume the refinance process. It feels like big business extortion to me.
Consumer complaint received 2022-05-06
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. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2022-05-06
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. (NJ)

I tried applying for an apartment lease and they pulled 3 credit reports. I have outstanding credit history and great scores. My scores have always been over 700. On one of the reports ( experian is showing score of XXXX ) there is a closed collection account that is not mine with XXXX. It shows on the credit report it was open on XX/XX/19 in the amount of {$750.00}. I have never taken out a personal loan, I have never received a call about a payment. It says the first payment was never made. This is not my account and it is preventing me from leasing an apartment. I reached out to XXXX  and am currently in dispute over it but it is taking too long and I need to secure housing as soon as possible. XXXX  stated this is about a personal loan with XXXX XXXX secured through XXXX XXXX XXXX  in XXXX NJ. Please assist me with removing this from my report as it is not my account. Thank you.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (PA)

XXXX has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (NY)

I received an automated call from the number XXXX with this message This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I'm being asked to report back to you which is a concern we have put a hold on your matter at your request that is a good thing but it has expired please call us back at XXXX we will be available until XXXX PM again the number is XXXX we do need to follow up for this matter will be taken out of our hands to pay online go to www.directrecoveryservices.com and click on the pay now link your account number is XXXX I am not XXXX XXXX.
Consumer complaint received 2022-05-06
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CT)

I received a voicemail stating that they are going to sue me if I do not contact their office and they will send a XXXX to my place of employment. When I contacted them they had all of my personal information but the wrong address. Their website is not valid and when I called the number the person did not answer with the companies name and their mailing address belongs to a XXXX store.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have been battling with EXPERIAN to remove a foreclosure off my credit report that is over the 7 year mark from the 1st date of delinquency which based on their findings and the attached credit report they are bullying me. I 've sent over 6 dispute letters Please help this is keeping us from getting a house. Thank you for being a voice for the people
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

This account with XXXX XXXX, acct # XXXX is not my account. I believe this account belongs to my son, because- I have a son who is a XXXX with my same complete name. The company states this was submitted in my sons name and that the credit bureau put this in my name.
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I spoke with Select Port Folio, XXXX XXXX Loss Mitigation today XX/XX/2019 about my mortgage assistance application. I was informed that they have not reviewed the mortgage assistance application or financials because the foreclosure sale date is less than 30 days Foreclosure sale date is XX/XX/2019.it is more than 30 days before the sale date Select Port Folio is not willing to assist me with keeping my home or review my documents. I have not received a denial letter for my recent application but I did resubmit the mortgage assistance request again today with financials. 

I need Help I don't want to lose my home Thank you
Consumer complaint received 2019-06-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson Cruz & Associates LLC (VA)

For the second time, XXXX XXXX of Nelson Cruz & Associates has talked to me in an abusive manner. Today he threatened to take my social security number and use it illegally. They also talked me in to signing an agreement to paying a debt older than 6 years old ( which is outside of the Tennessee statute of limitations of debt collections ). I have requested to opt out of this more than once. The original debtor, XXXX XXXX, mailed me a letter acknowledging that this debt had been written off several years ago. I have a disabled husband, make minimum wage, and have no help. I can not afford the amount they have locked me into and they will not let me change or stop the amount. Please help. I can not take the abusive calls and threats any longer.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

It seems that some information which is not mine is on my credit report ; I have asked the credit reporting bureau to send me proof of the original loan with my signature, but they have refused. Please remove these items or send proof of my signature on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
Consumer complaint received 2019-11-18
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. (CA)

I opened up a dispute through Chase Card Services on a XX/XX/19 charge of {$510.00} on my Chase Sapphire Reserve card, and it was recently denied, twice. 

The reason for denial was that XXXX, the merchant, stated the payment in question violated their user agreement, in reference to using friend and family option to pay XXXXXXXX user XXXX XXXX. 

1 ) XXXX XXXX, the recipient of the funds is a friend, and the payment was sent through means of friends and family, the payment method was valid, and not in violation. 

2 ) If there was a violation defined in the fine print that I was not aware of, XXXX user XXXX XXXX violated the paypal user agreement, not me. XXXX sent me the payment request, and I paid it. I did not initiate it. I am the victim, not the one violating the XXXX  user agreement. XXXX needs to be penalized for the violation, not me. 

The original claim I opened cited that XXXX XXXX reached out to me and needed money. I agreed to send him money, and he can work it off. I have text messages between XXXX and I after the payment was sent where he admits he is not going to full fill his obligations to me, and is going to pay me the money back. After many missed opportunities by him to pay be back, he stopped responding, and that is when I filed the claim. 

He originally sent me the XXXX invoice, and I paid it. He initiated everything, and if there are any violations of the XXXX user agreement it is by XXXX XXXX, the aggressor, not me the victim. 

JP Morgan Chase failed to represent my, their client and cardholder, in the dispute versus XXXX. I was mis-represented by the staff at Chase Cardmember Services, and I have incurred a loss of {$510.00}, that was more than recoverable, if Chase had given any effort to put up a fight with XXXX.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

We paid an account in full with Comenity Bank for XXXX credit card after experiencing a few later payments due to hospitalization from covid-19. When we paid the account in full the creditor agreed to remove the lates they reported to all three credit bureaus due to our extenuating circumstances related to covid-19 because we had a great payment history prior to these events. The bank has still not removed the late payments as they agreed even though we paid the account in full as we agreed and we would like to have this remedied as soon as possible.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of Equifax, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
Consumer complaint received 2022-05-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: JPMORGAN CHASE & CO. (MA)

A fraudulent check ( HELOC ) was created ( I believe ), then my signature was forged onto same, then used to withdraw {$56000.00} from my personal home equity line of credit.I 'm still in shock that this could be allowed at any level. It was not the same bank where my line of credit existing. I noted this fraud immediately after opening my monthly statement on XXXX, and reported the fraud to my lending intuition on XXXX. They assured me that this was fraud and would be removed from my account.
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MT)

Received a notice from a company named TRS Recovery Services for a debt with ID : XXXX fraudulently stating there had been a stop payment issued by my bank for a website named XXXX XXXX in the amount of {$200.00} with penalties. I have never been on the site, do not gamble, no original item was issued and no stop payment was issued by my bank as there was no instrument of payment at any time. There are also many other flags that this is a fraudulent claim. 

Steps to remedy include contesting on the TRS website per their notice and have sent certified letters contesting the debt to the companies requesting a canceling of the debt, information about the supposed debt and the cessation of contact but received no response. A second letter was received from TRS dated XX/XX/2022. I am sending another certified letter restating my request. 

In their dispute process they request bank account information and credit card information which would be misleading to many.
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 status incorrect
Company: ALLY FINANCIAL INC. (CA)

Lenders would not communicate for a refinance of the vehicle and selling of a vehicle. ally auto lender Reported late on payment of loan when the car was already sold. Needs to be corrected on my credit report because its false information
Consumer complaint received 2021-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (WI)

On XX/XX/XXXX I opened an online checking/savings account with Chime Bank. In the next few days I deposited around {$1700.00} into these accounts through a bank transfer from My XXXX XXXX account and from a few XXXX XXXX transfers. On XX/XX/XXXX I tried to check my accounts via my phone app, and was notified my account had been suspended. I immediately called customer support. I was told they could not give me any info on why my account had been suspended for security reasons, and I must email XXXX I emailed XXXX on XX/XX/XXXX asking what was needed to un-suspend my account. I received an email back asking me to send valid ID and proof of residency. I emailed back a picture of my drivers license, my passport, and the property tax bill for my home showing I own it. On XX/XX/XXXX I sent a follow up email asking for confirmation the Identification I had submitted was acceptable or what more was needed to allow me to access my funds. I never received a reply. I sent more follow up emails on XX/XX/XXXX. XXXX XXXX and XX/XX/XXXX asking to please let me know what I need to do to get access to my accounts, and I still have never received a response back from them. They have left me locked out of my hard earned money for well over a month now with no explanation, and will not respond to me to let me know how to fix my account, and regain access to my funds
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

XXXX bank was taken over by XXXX XXXX bank. At the time they told me nothing would change for me, the 2 accounts would be joined. So I could continue payment on my XXXX thinking even paid up, the payments applied to my XXXX XXXX card. Well about a week ago I realized that those payments to XXXX bank which was an affiliate of XXXX were never applied to my XXXX XXXX card. That card ending in account # XXXX with XXXX bank XXXX has been receiving payments since XX/XX/2017 for {$50.00} /Month. I have proof of that trough my 2+ years of bank statements. I have contacted both XXXX and XXXX XXXX, neither was willing to help me in this matter since they could not find my account number. All this was paid through my bill pay with XXXX bank.
Consumer complaint received 2022-05-06
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. 
Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when I have contacted the creditors and the creditors have no account. 
Furthermore, they have no knowledge of me doing business with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries.