davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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. (CA)

Ive been trying to dispute this item on my credit. I contacted the creditor several times and provided documentation stating that the account does not belong to me and the creditor will not remove the account. 
I then contacted the credit bureau several times to dispute the account provided proof of identity theft such as a police report and the credit bureau EXPERIAN will not remove the account even thought sufficient documentation has been provided multiple times. 

I requested documentation from the creditor to see if the information matches mine such as signatures on XXXX  or address on file or any relevant information and the creditor is non responsive. 

Experian did not do a thorough investigation. This has affected my credit for XXXX years. I keep disputing and the creditor along with EXPERIAN will do nothing.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I began to get emails from Chase Credit Card Services for fraudulent purchases that have been made on an account in my name. 4 XXXX gift cards totaling {$410.00} is stated in the emails I received on XX/XX/21 @ XXXX and at XX/XX/21 at XXXX. I DO NOT have an account with Chase Bank ( Business or Personal ), no do I desire one. I don't have any bank accounts or anything with this bank. On XX/XX/21 I began discussing this with the Fraud department and still nothing has been done. I spoke with XXXX, XXXX, and XXXX. This is fraud and identity theft.
Consumer complaint received 2022-02-06
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. (NY)

XXXX XXXX XXXX.is reporting on my XXXX and XXXX that I have two missed accounts but it states they are current. This is confusing and misleading to future creditors. If my accounts are current how are they missed. This is the type of fraudulent and misleading information that in violation to FCRA.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

The balance from my M & M CREDIT ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) with the account number XXXX was paid to the physicians company who stated they would verify as paid in full with your bureau. No update was made. This company has engaged in deceptive practices and violated the Fair Debt Collection Practices Act by reporting a balance on a paid in full and closed account. Please contact this company, verify as Paid, and change status immediately. Please note you are also reporting my private health information. To do so, you must provide your HIPAA clearance to me. Please provide documentation proving that you are not abrogating my rights by reporting.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-08-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc. (WA)

Collection was reported to my credit report for an account belonging to my deceased mother who resided with me ; I never signed on the account. Reported by : Professional Credit Service # XXXX XXXX XXXX, OR XXXX Ph. XXXX XXXX XXXX Debt appears to be from XXXX XXXX phone service
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

Discover has on several occassions conducted dubious investigations on my disputes on various transactions. As a result my balances have been incorrect and when I requested that the Executive office conduct an invesigation at least 3 times they neglected or refused to oblige. This continued until finally they unjustly without even notifying me closed both of my accounts. They demanded payment but due to their refusing to service my accounts I withheld payment.. I have filed disputes with XXXX and also at one point was dealing with Lexington Law to handle the issue on my behalf. All Discover had to do was conduct processes fairly and justly. They did not. As a result I have the right to withhold payment.. Since then they have wrongfully charged off my account and have adversley affected my credit score thus affecting my purchasing a house and other rights and priviledges
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX still has a 90 day delinquent mark on my credit report although the account is current and has been current for more than a year. I've called XXXX XXXX to speak with them about the problem to which they responded that I should contact the credit bureaus. I did that and still no results. This delinquent mark is having a negative effect on my score.
Consumer complaint received 2022-02-06
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. (TX)

I gave my bank information over the phone to a woman collecting money for XXXX XXXX  XXXX XXXX XXXX card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from Trans Union saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from XXXX or XXXX XXXX, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX  and XXXX episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.
Consumer complaint received 2022-10-09
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct. XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing is charging Illegal " Property Inspection '' charges on mortgage account. We have paid on time and proved via SPS Payment History showing all payments current and never paid late. Enclosed is our SPS mortgage statement dated XXXX XXXX XXXX for our next payment due XX/XX/XXXX. This statement has a " Property Inspection '' charge of {$40.00} that is illegal under XXXX XXXX servicing Section 9202.3 that is only to be charged in the event of mortgage delinquency. We requested SPS payment history which was provided from XXXX to current due XXXX XXXX XXXX. It clearly shows no delinquent or late payments. This is exactly how XXXX XXXX mortgage, our prior servicing company, started to harass us and lead to XXXX XXXX not crediting our mortgage payments and charging late fees and escrow payments increased. We will not be harassed by another mortgage servicing company charging ILLEGAL FEES to steal money from homeowners. We want a stop to this ILLEGAL actions by Select Portfolio Servicing immediately and CFPB take action to stop them and file civil actions against them if warranted.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

SEE FILES ATTACHED FOR IDENTIFICATION VERIFICATION AND FTC REPORT. 
THIS IS NOT A THIRD PARTY. 
I AM REPRESENTING MYSELF. 

Claim ID : XXXX. 

I received two fraudulent transactions on XX/XX/XXXX in the amount of {$24.00} each from a merchant named " XXXX ''. What's extremely odd is I called Chime immediately after this happened and I was told over the phone that my debit card had been breached. I asked if the rep was sure because I had never even used my debit card as it was brand new, and I no longer use my bank account with Chime. He said he was sure and then proceeded to order me a new debit card. He also never created a dispute for the two transactions from XXXX like he said he would. 

So, on XX/XX/XXXX, I created a dispute. I received an email from Chime on the same day, stating " Based on our investigation, we have concluded no error occurred. No funds will be credited to your account. You may request a copy of the documents we used in determining the final outcome of the investigation. '' I gave Chime a phone call immediately after reading this email. How could they have come to the conclusion that no error occurred when the rep literally told me over the phone that my debit card had been breached? All of their phone calls are recorded by the way. Chime also told me when I created a dispute with XXXX in the past, that this merchant would be BLOCKED from charging my bank account ... XXXX obviously that was a lie because I had to create a second dispute due to being charged by XXXX XXXX 

I requested a copy of the documents from Chime that they used in determining the final outcome of the investigation on XX/XX/XXXX... I received an email today on the XXXX XXXX  XXXX stating this. " XXXX, dispute representative. 
EJ, supervisor. ticket # XXXX XXXX XXXX # XXXX I called Chime on XX/XX/XXXX to request the documents used in the investigation. I also got the case re-investigated. Literally less than 6 minutes after I got off the phone with a rep, I received an email from Chime stating that they have concluded that no error has occurred after their investigation. HOW IS THAT EVEN POSSIBLE? IN UNDER SIX MINUTES?????? I EVEN PROVIDED THEM AN IDENTITY THEFT REPORT! 

I just spoke with the following XXXX people today after receiving an email from Chime stating that they had attached the documents I requested. 

XXXX, Dispute representative. 
EJ, Dispute supervisor. Ticket # XXXX XXXX XXXX representative Ticket # XXXX The reason I spoke to these XXXX people is because Chime did NOT attach any documents in the email even though they stated that they did. I have attached a PDF file of the email sent to me from Chime on XX/XX/XXXX. So now they're blatantly lying on PAPER.
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.
Consumer complaint received 2021-10-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I had submitted a dispute to Experian on XX/XX/21 regarding XXXX XXXX. I received and Email to the email they have on file XXXX on XX/XX/21 stating they received my dispute. After that I did not receive any notification or status, on XX/XX/21, 30 days after called spoke to XXXX an Experian representative with reference # XXXX who stated he did not see anything on file. So i asked XXXX if I can speak to a manager or supervisor he stated is unable to but to give him my phone number, which I did its the same one they have on file and since then i have not received a phone call or an email regarding the issue.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

15 usc 1681E ( b ) Accuracy of report. Global lending services ( XXXX ) XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information and XXXX is reporting income, the I.R.S consider charge off accounts Canceled or XXXX debt, which is taxable income for me
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (ID)

Cavalry Portfolio Services has NEVER sent me a bill for this collection they are reporting on my credit report for {$10000.00} I have sent XXXX requests ( with signed proofs of delivery ) for debt verification and they have failed to provide it. I sent first request XX/XX/21, second request XX/XX/21 & third request XX/XX/21. All they have sent me is a letter stating " it is our position that the information we are reporting to the consumer reporting agencies regarding the account is accurate '' but will not provide me with ANY DOCUMENTATION PROVING THIS!! I do not recognize this debt, do not believe it's mine and want it removed immediately from my credit report as they have failed to produce verification of debt requested. It's now been almost 2 months since my first request. They are supposed to remove if they can not provide the verification I've requested within 30 days! Please HELP!
Consumer complaint received 2021-10-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2018-08-27
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: Bread Financial Holdings, Inc. (PA)

The debt is with XXXX XXXX XXXX now being held by XXXX. The original credit was balance was XXXX. XXXX refused to let me close the account when the interest reached about XXXX. Now it a little over 1000. XXXX is suing me.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (ID)

I am extremely upset as a 21-year customer of Citi 's credit card services that they have recently decided to become politically active and begin discriminate against XXXX manufacturers engaged in legal businesses, bowing to the anti-American policies of so-called progressives. This discrimination against companies that refuse to sell arbitrary classes of firearms is illegal and any and all federal contracts must be pulled from private enterprises that engage in such age discrimination.