davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: Experian Information Solutions Inc. (NY)

I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed immediately.
Consumer complaint received 2020-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/2020 I sent XXXX  the attached letter via certified mail. I have the green cards that state these were received by the company. The accounts listed on these letters are fraudulent. I have presented all information required to have this information removed from my credit, as it is very damaging. See attached ID Theft Report, Police Report, Notarized Affidavit, SS Card, Driver Licence, and Utility Bill. Why has this not been removed?
Consumer complaint received 2018-03-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX and the account with XXXX XXXX XXXX for {$2500.00} that was sold to Portfolio Recovery Associates are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) Portfolio Recovery Associates MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

On XX/XX/22 Chime closed my account after a deposit was made to my account. after emailing multiple times they continue to give prerecorded answers and hold my account and freeze my funds. they refuse to open and unfreeze my account. not only is this a recurring issue to other customers but chime refuses to take accountability to fix the problem. it is a disgrace and chime must reinstate my account immediately.
Consumer complaint received 2020-02-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Specialists, Inc. (ND)

Is over two years ago this company I lived property rent when I moved out they ask me some money for property damage company name : XXXX XXXX XXXX I live with roommates this property they asked me to pay for it only me I was not live in by myself I have roommate I try to pay for it some payments amount of money its was {$1000.00} I almost paid half of it this amount balance is {$500.00} I cant afford it this money
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On XXXX I electronically deposited 2 payroll checks with Chase Bank. My bank flagged them as fraud. I contacted the fraud department to resolve. They said to take the checks to the branch so they could see the checks and the multiple fraud deterrent security features. I took the checks into the branch but when the manager contacted the fraud department they still would not remove the hold. They then stated they need to talk to the issuer of the check. They tried to contact the employer on their " approved '' phone number but could not reach the Payroll department. Left voicemail. The company payroll department called Chase back but they said since the phone line was not on an approved line they could not verify. They then instructed us to have the company to simply stop payment and reissue the checks. The company tried to do so, but their bankXXXX XXXX XXXX XXXX, said Chase had deposited them so they could not recall them. We contacted Chase again and they said still could not release the lock or return the funds to XXXX  XXXX XXXX. It is now a week and the entire account is locked with no way to get other new funds in or out of the account.
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group (IN)

The company Supurlative RM contacted a reference, then proceeded to give out my full name, address, date of birth and my full SOCIAL SECURITY NUMBER. My reference said they aren't supposed to give out that information and he insisted the call was me. She continued to tell him he shouldn't be giving her that information and he then started to argue and berate her insisting she was me and finally hung up and she told him to stop calling her. Not only do they continue to call her, they gave out ALL of my personal information!
Consumer complaint received 2018-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I've been disputing a account that still haven't been verified it mines legally. I keep receiving copies of the same letters but no verification from original creditor that this account is mines. No signed contract or information of payments to show where this account come from.I deleted it once and it was deleted but then later reinserted with no notice that this would come back on my credit report.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (DC)

First and foremost, Chase has been charging me a predatory interest rate of 24 % which is predatory. Am attaching a copy of my credit score. There is absolutely no basis for this rate which is usury. 
Second, I have been charged on interest by Chase where there was no basis for it. 
I was charged XXXX of interest in the XXXX  month of 2022. There were XXXX charges that were part of this calculus that were refunded and not authorized by me. First for XXXX XXXX XXXX  XXXX XXXX XXXX for XXXX and the other is XXXX XXXX for XXXX. Hence Chase 's basis for interest calculation is fraudulent. The basis for the interest assessment is XXXX at most not XXXX I want this recalculated and will now need to research all statements to identify other possible examples of interest rate assesment that is not legal. 
So I want the interest charge refunded and an explanation for the usury esque interest rate when my credit score is XXXX. After i receive a response, i will determine if i wish to keep this card or not.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

My credit report shows public records that is not mine. I have disputes this many times and asked equifax to remove it and they wont. They said it was verified by courts and I have a letter showing that courts do not verify. Then they said vetoed by XXXX and I have a letter that shows this information is not on my XXXX report. I keep sending my letter by fax and by certified regular mail and equifax either says they didnt get it or that its ineligible. This has been going on for about a year and every time I call they dispute the item again and it comes back verified by XXXX. I call XXXX and they said its not true because any report from XXXX wouldnt have a public record on file.
Consumer complaint received 2018-05-05
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. (GA)

I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Profit Recovery, Inc., Marlborough, MA Branch (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2018-05-05
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. (GA)

I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX )XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX )XX/XX/XXXX
Consumer complaint received 2018-05-05
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. (NY)

This account with XXXX XXXX XXXX XXXX was never late, however it is showing late payments on my credit report. The creditors have asked me to dispute it with the credit bureaus. below are the months that are reporting late. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (OH)

My name is XXXX XXXX and give authorization for the CFPB and Hunter Warfield to move forward with this complaint. I do not have a trilateral contract with my signature with the company Hunter Warfield Inc and XXXX XXXX XXXX XXXX XXXX. Hunter Warfield Inc have invaded my individual privacy. I did not give direct permission to Hunter Warfield Inc to use my location information to contact me and they contacted me on XX/XX/2022 and XX/XX/2022 at an inconvenient time. No consent was given prior for the debt collector to use my location information more than once and stating I owe an alleged debt. Hunter Warfield is not to state I owe an alleged debt. Hunter Warfield never stated they were confirming or correcting my location information. I am a consumer, I have a place of abode that's my location information that I did not give permission to Hunter Warfield.
Consumer complaint received 2018-05-05
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. (GA)

I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: EQUIFAX, INC. (FL)

Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX  Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms. XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MO)

On XX/XX/XXXX my student loan repayment was waived because of XXXX. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally discharged on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously discharged. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during XXXX monitoring.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.