davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, I noticed my Chase bank card with the numbers ending in # XXXX missing from my purse. The only person at my apartment other than me was a guy named XXXX XXXX. I did not believe my card to be taken by this guy at this point. However, later, after he left my residence, I tried to send money via my account to my to my daughter. My transaction was denied. That is when I checked my actual account and saw my money missing. XXXX had taken out a total of over {$700.00} from my account. those charges are as follows. XXXX {$400.00}, {$100.00}, {$100.00}, {$100.00}, & {$21.00}. I immediately contacted the bank as well as cancelled any access to my card and changed the pin. I also immediately filed a police report. That report has been included. I then sent the police report to chase bank thru their secured messages as well as thru fax. Each time I have contacted them, they tell me that they have denied my claim and when I've asked about a dispute, they say they will reopen the claim. however, now I've been told that they can no longer open the claim again and there is nothing further they can do. My money still has not been returned.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had my bank account opened for 7 years with no fees ( just required one monthly transfer from checking to savings ).

However 3 months ago with no notice I started getting billed {$12.00} a month for a " Monthly Maintenance Fee ''. 

I called up bank of america and they said the new requirements to avoid the monthly fee was to maintain a {$1500.00} balance in the account which I quickly made sure to do, however bank of america is refusing the refund the {$36.00} in fees.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Independent Recovery Resources, Inc. (NY)

Independent Recovery Resources is a collection agent that was allegedly hired by my doctor 's office. They filed an adverse complaint against my credit report in XX/XX/2019 after the account was allegedly placed in collections with them on XX/XX/2019. However, I paid the account on XX/XX/2019 and provided written evidence to this effect on XX/XX/2019. The doctor 's office confirmed that the account was not in collections and the matter should not have been reported to the credit bureau. As of today, there is still an adverse report on my credit report. Please penalize this business for their illegal acts and order them to remove the matter from my credit account.
Consumer complaint received 2019-11-07
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. (NJ)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****
Consumer complaint received 2019-11-07
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. (PA)

I am writing this due to non compliance with the Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX/XXXX card : XXXX -available : {$10000.00} XXXX/XXXX XXXX : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX card:XXXX-available : {$6000.00} XXXX XXXX available 1000.00 Please help me
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NJ)

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full.

XXXX XXXX card : XXXX - available : # XXXX XXXX  card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX- available : {$5200.00} wells fargo card:XXXX-available : {$1000.00} XXXX  card:XXXX-available : {$6000.00} XXXX XXXX available XXXX Please help me
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-03-26
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. (FL)

This is a medical collection per collection company, When i reached out to them i asked them to validate and verify that this was my account, give me signatures with me agreeing to pay them, information stating i owed them, procedures done, Hippa release form from orginal creditor for me allowing them to have my information, They will not supply me with any information and the credit bureaus keep saying verified, But the account is reporting inaccurate information with the date opened. How can i open an account on two different dates? Please remove this account from my report
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been contacted by this company XXXX XXXX XXXXXXXX. They keep calling me and have put a charge on my Credit report. I have never talked to these people before. They are saying I Own money for a XXXX XXXX  account. I have open XXXX XXXX accounts in great standing and they are hurting my credit. According to the fair Credit Reporting Act section XXXX you are required by federal law to verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report.
Consumer complaint received 2020-08-20
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)

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 ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CADENCE BANCORPORATION (GA)

Last Friday, I received an email stating State Bank was merging with Cadence Bank and our online banking was no longer available. I tried to use Cadence Bank 's instructions to access my account without success. I called Cadence Bank on Saturday morning ( per the customer service hours on the website which are not accurate ) and there was no one available to assist me. Monday was a bank holiday. I called the customer service line again on Tuesday. I waited 10 minutes and someone answered ( XXXX, I think ) and said they had IT issues and she would call me back. Nothing. I called several times on Wednesday and no one at customer service ever answered. I've had no access to my account for almost a week and can not pay bills via bill pay ( which are now getting late fees ), have no idea what is being debited from my account, and can not make online deposits. The XXXX XXXX branch tried to help me yesterday and can not and has me on a list of IT issues. I think it is unacceptable for a financial institution to have such disregard for it's customers and cut access to their accounts for this length of time without resolution.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-03-31
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. (PA)

The account never had any late payments. XXXX XXXX close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than XXXX  days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you XXXX  days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the XXXX, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within XXXX  days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (TX)

Northstar Collections (? ) phone XXXX called my number trying to reach XXXX XXXX. We have had this number for almost a year now and there is No XXXX or XXXX here. The guy said they were given this number and acted like it was my fault someone lied to them. 

CHECK THE XXXX OWNER OF A NUMBER BEFORE YOU CALL ....
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (FL)

Alleged debt appeared on my credit report. I contacted to notify that the alleged debt was not mine and no action was taken. I disputed the alleged debt and the collection agency BAY AREA CREDIT SERVICE has not taken action. This alleged debt is not mine. BAY AREA CREDIT SERVICE needs to verify their information and make sure not to violate my HIPAA rights in the process.
Consumer complaint received 2019-02-24
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. (FL)

Good afternoon. I am filing a complaint, against Experian. I have 7 Inquirys that are still being reported every Month. these Inquires are causing me to get declined for credit. they are not attached to any Accounts. Its very stressful for me, due to my Health. I work hard and I rely on Credit to help me get through my Struggle. if something can be resolved It will help out alot. thanks.
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC (CA)

I discovered an account on my credit from Monterey Collections. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. 

That said, I reached to them a few times in writing and finally received a response back from XXXX XXXX ( a  representative of the company ). She advised me that I needed to dispute the validity of the debt within 30 days ... .. and since I had not done that- they did not need to validate the debt- they would move forward with their collection efforts. However, they would report the account as disputed on my credit report. 

I don't understand how I was offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice?
Consumer complaint received 2017-11-12
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: EQUIFAX, INC. (AZ)

I contacted equifax regarding multiple Hard Inquiries that did not belong to me, the representative and I went through all of the the inquiries that did not belong to me and she insisted they should be deleted within 30 days and they are still on my credit report
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Midland Funding. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2019-11-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (MS)

XX/XX/2019 I received a threatening call from XXXX XXXX. The representative asked where the vehicle is located? I explained this is an ongoing dispute with Exeter Finance and I have sent a letter advising only written communications. The representative then stated she does not have any records or document from Exeter Finance referring this and then raised her voice and kept asking where is the vehicle? The second call, the representative left a voicemail stating this is an insurance matter for me to return the call, after I stated do not call me only written communications.
Consumer complaint received 2021-04-27
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. (OR)

XX/XX/XXXX inaccurately reported me late 30 days in XX/XX/XXXX on an account I asked to be closed XXXX and was paid off XXXX in XX/XX/XXXX. They continued to charge me monthly fees totaling {$44.00} and I was notified of these charges in XX/XX/XXXX ( I never received statements by mail or email regarding these charges XXXX. 

I contacted XX/XX/XXXX and they agreed to remove the 30 day late on my credit report and credit my account in full and close my account. I have asked all three credit reporting agencies - Experian, XXXX XXXX and XX/XX/XXXX- to correct my credit report and after 30+ days this still has not happened. Ive provided documentation from the creditor stating they are removing the balance and 30-day mark, and contacted the creditor twice to make sure this is the information being passed on in my dispute. Completely frustrated at the mark on my credit which dropped my score in the middle of trying to purchase a home.
Consumer complaint received 2022-10-07
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: HYUNDAI CAPITAL AMERICA (GA)

Hyundai Motor Finance is falsely reporting I paid account late from XX/XX/XXXX until XXXX of XXXX! I made all payments to Hyundai and the payment was on time! This is fraud Hyundai Motor Finance is committing! Also the credit Bureaus all three refuse to remove the false late payments from my credit report! 

I paid the car loan off in XXXX! Because of Hyundai deceitful business practices! Due to Hyundai fraud of reporting my payments late my credit is ruined! My score will s below XXXX and this false late payments information Hyundai is reporting on my credit is hurting me because I being denied a home! Cant get an apartment nor credit! The late payments were removed and in XX/XX/XXXX Hyundai reported to the credit bureaus these false late payments! I made all my payments on time and never was late! I paid the loan off in XXXX and to date the credit bureaus is unlawfully saying this account that I opened in XXXX and paid off in XXXX will remain showing these late payments until XXXX! This is against the Fair Credit Laws! I need help.