davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (TX)

At XXXXXXXX XXXX  on XX/XX/XXXX my credit card was used fraudulently at XXXX XXXX XXXX. While I was at home I received at text message notification from Chase asking if the transaction was made by me. I replied no and the charge was taken off my account, the card cancelled, and a new one sent to me that I have been using ever since. In XXXX of XXXX I looked at my credit card statement and noticed the amount of the charge, {$1700.00}, was added back to my credit card bill. 

I called Chase to inquire as to why the charge was back on my statement. The individual I spoke with told me because I had possession of the card, had no duplicate cards, and had no other authorized users of the card that the transaction was valid as it had taken place at a chip terminal. 

I set to acquiring any evidence I could gather to the contrary. First I called XXXX XXXX XXXX to acquire a receipt regarding the transaction but XXXX XXXX XXXX was unable to get one timely. 

I filed a police report on XX/XX/XXXX with the XXXX  Police Department and sent it to Chase on XX/XX/XXXX and was told that was insufficient evidence to overturn the fraud claim. I called Chase to ask what sufficient evidence would be and was essentially told to send them anything and they would look. 

On XX/XX/XXXX I submitted every statement I have received for my credit card and one and a half year 's of debit card statements to Chase for review regarding the fraud case. The credit card and debit card statements both show I have never shopped at XXXX XXXX XXXX in two years and anything a shopper at XXXX XXXX XXXX  or a XXXX XXXX XXXX member would purchase there I purchase at a multitude of other retailers and vendors. I wrote a narrative describing the credit card statements and debit card statements, impressing the fact that I can not shop at XXXX XXXX XXXX  since I am not a member and have no member ID, I don't shop there for anything XXXX XXXX XXXX customers shop for, and that at the time of the transaction I was at home. This was also rejected and the transaction is still posted to my credit card statement.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass XXXX and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a XXXX it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors
Consumer complaint received 2022-10-10
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. (VA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX  XX/XX/XXXX have all 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (FL)

As of XX/XX/2019, I checked my credit profile and noticed an account in collection from CBCS for XXXX XXXX XXXX. I immediately contacted XXXX and the collection agency CBCS to notify them that this account was a fraudulent account that did not belong to me because I have never been to that hospital before. On XX/XX/2019 CBCS responded to my dispute and sent me a letter stating that after investigating my dispute they have stopped all collections activity on this account and requested that the credit bureau remove the collection account from my credit report. What occurred after this letter was sent to me has left me confused because according to the credit bureau, CBCS removed the account from collections for a few day then reopened the collections account. On XX/XX/2019, I called XXXX to check the status of the collections removal and the representative stated that they determined the account belong to me. At this time the collection agency and XXXX  are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
Consumer complaint received 2021-05-04
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. (MD)

XX/XX/21 Filed a dispute with the credit bureau for an un-verified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 
XX/XX/21 Filed a second dispute with the credit bureau for an unverified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 

I have not received a response from the Bureau. I would like a response as soon as possible as it has been over 30 days and the un-verified continues to tarnish my credit worthiness. It is fraudulent and not my account.
Consumer complaint received 2019-11-16
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. (GA)

I have the equifax credit service product, which inform me on XXXX that an new address was reported to my credit file. No other credit agency, but Equifax. I called several times ( please see dispute list ) trying to get them to look into the matter for resolution with no luck. They said they did an investigation and sent an update credit report that still shows the address of dispute out of Florida and I keep sending dispute trying to get them to remove this information with no luck. As of today this address is still on my credit report. All of my credit reports are lock, no one can gain access but government and Equifax itself. I received another alert from Equifax on XXXX saying a new address has been added to my credit report. This is a problem with Equifax or someone internal is doing this. Please review for accuracy and delete this address of my credit report out of Florida that has never belong to me or never stayed out of Florida in my life. This is complete fraud and Equifax say that have deleted this address but it appears they have not. They have violated statues of the federal law when correcting consumer information correctly.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I initiated a dispute regarding incorrect items which were listed on my credit reports. It has been well over 30 and I have not received any response from the Credit Reporting Agencies.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

Unable to access my account online. I reported this issue back in XXXX. When going to the website to login, I get a message that I am using a different computer, which is incorrect. I ALWAYS use the same computer. Their system wants to do additional verification steps. They request to send an ID code via either text message or email. If I choose email, the email NEVER arrives. If I choose text, the text message NEVER arrives. Both my email address and telephone number are correct. There are no emails in a SPAM box. There are no issues on my end. This company is simply incompetent and unable to fix their problems. When contacting this company, they simply reply with canned responses -- it is like taking to a brick wall. There is no real customer service. Only people who read back generic responses that have absolutely no value to them.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, XXXX and Transunion Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NA Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. 

Thank you. 
XXXX
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC. (GA)

After the bank ruptcy was filed, it begin to be too expensive. Therefore the car was repossessed and it's no longer in my possession. I would like for the harassment to stop towards myself and my co-signer, we are in the process of trying to rebuild our credit in a proper manner. Not only that my information has also been in the security breach back in 2017.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX  ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX
Consumer complaint received 2024-05-12
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (GA)

I paid a loan off before with Covington credit so I was able to get another loan to pay my car insurance in full. I am now in between jobs and got two months behind. I ask could be on a payment plan and if interest could stop accruing but they said no. I ask for hardship and she said I would still have to be {$190.00} right now and they will push the other amount to the back of the loan. They are refusing to work with me and are threatening to garnish my wages.
Consumer complaint received 2019-08-14
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. (TX)

XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.
Consumer complaint received 2017-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Sent a Debt Validation to this company once I realized they are listed on my credit reports XXXX XXXX, 2017. The collection agency failed to validate debt. They " did not validate the debt in the required time frame, only after was incomplete proof provided in the form of a final bill. A bill statement does not obligate me to pay. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Consumer complaint received 2021-02-03
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. (FL)

I would like to report on error in my credit profile. I do not know the account in my profile, and I do not recognize it so could you please remove it as soon as possible because I am planning to use my credit profile soon for the life important purposes. For me its clear identity theft and I am a victim. I think somebody used my personal information or its error in reporting but I do not know this item. Please take appropriate actions and remove it once and forever and asap ... .thank you!
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I wish to complain about a credit card that was opened fraudulently in my name since XXXX of XXXX  and it's been reported as a derogatory report on my credit report. This incident happened in the year XXXX when i was about moving into my current home. I got a call from a man that claimed he worked for Bank of America and that he was calling to help me consolidate my credit card debt. He then explained to me that instead of making several payment, that i will be making a merged payment that will be disbursed into my other account. after the conversation, this guy went and opened fraudulent credit cards in my name, one from XXXX XXXX, and the other from Bank of America. By the time I realized that it was a scam, he had moved money from the Bank of America credit card, but i was able to close the XXXX XXXX. I reported the case to the police and they said there was nothing they could because he had always called me from an unknown number. I have done everything within my means to dispute this debt but it's still been reported on my credit report as a derogatory claim. I will appreciate your effort to intervene with Bank of America to remove this claim from my credit report. 

Thank You
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

Good morning, my concern is with my mortgage balance with servicing company select portfolio. I for the last couple of months I have sent several requests to have them provide the mortgage pay history since loan origination of XXXX. The prompting is because I originally did a dispute with my credit report which reflects original principal balance of {$210000.00}. This is incorrect and hurting my credit score because it reflects my current balance {$210000.00} higher than original note. 
We purchased this home in XXXX -- there was two notes totaling purchase price of {$260000.00}. During the market crash we went through hardship and the servicer at the time XXXX XXXX XXXX gave us a loan medication that was set up to make us fail. We fought very hard to keep our house, we had interest only 1st and 2nd mortgage. After going to housing counselor XXXX XXXX XXXX XXXX forgave the second mortgage and modified the first. Shortly thereafter in XXXX the loan changed to XXXX XXXX XXXX and our loan amount was back up again and with lack of our knowledge and fear of losing our home we signed. Since XXXX we have not been late We are asking that Select Portfolio provide the payment history and how these payments have been applied. They can only provide payments dated back only to XX/XX/XXXX. We are missing payments from XX/XX/XXXX-XX/XX/XXXX. We need this investigation to make sure that our payments been applied correctly and balance is reflected. We have been taken advantage of all throughout this loan, not because of select portfolio but because of lack of knowledge. If they can not provide the history then how can the balance be reflected correctly. 

Please help us
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings.
Consumer complaint received 2023-02-21
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: SUNRISE CREDIT SERVICES, INC (MD)

SUNRISECREDIT is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Please note the uploaded FTC report and my driver license and remove this accocnt from my credit.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Experian has been non-compliant and didnt complete the dispute in 30 days. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Experian. The public record is non compliant, inaccurate, and unverifiable.
Consumer complaint received 2019-08-14
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. (FL)

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX XXXX ( Acct XXXX and XXXX ), XXXX XXXX, XXXX and XXXX.
Consumer complaint received 2022-04-27
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. (FL)

XXXX has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so