davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX  Balance : {$86000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX  Balance : {$710000.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX  Balance : {$0.00}
Consumer complaint received 2023-04-14
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$1500.00}
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Concord Resolution Inc (Closed) (LA)

These scammers keep changing their number and keep trying to get me to return their calls. They call multiple times a day to my job and to my cell phone. This is harassment and I want the calls to stop. Someone named XXXX XXXX keeps calling and leaving messages saying to call him at XXXX. I do not owe anyone any money. Please make the phone calls stop!
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC (HI)

In XXXX 2016 CREDCO for XXXX called to offer me a lower interest. I asked them if an inquiry would be reported to the XXXX-they told me no-it would not be however I refused the assist due to my XXXX credit score and me currently trying to get myself out of debt. Most of the inquiries are from this company s they call every 2 or 3 months. I now see this Inquiry on my report and want it removed as I DID NOT give them permission. Can you please help me. 

XXXX XXXX XXXX Phone XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

American Express issued a XXXX XXXX to XXXX, XXXX - a company I helped manage, though I was not the primary owner ( 12.5 % while the majority owner, XXXX XXXX had 83 % ). In late XXXX, the company was placed into Receivership and on XX/XX/2024, XXXX XXXX XXXX the Receivership Trustee with the help of Company Attorney XXXX XXXX XXXX sent a settlement letter to AMEX regarding XXXXXXXX XXXX  account. 

AMEX cashed the Receiver 's settlement check, tacitly accepting the settlement offer, but then didn't close the account. Nor, if AMEX didn't want to accept the settlement did it contact XXXX XXXX, XXXX XXXX or myself. 

As a result of the XXXX XXXX XXXX account not having been closed out as paid, AMEX treated it as past due and then shut off my personal AMEX platinum card. When I called in to inquire, AMEX said I am the guarantor and responsible for the account. I asked for documentation of this - because I don't recall ever agreeing to being a guarantor. To date despite numerous calls and requests, I have not seen any documentation that I am a personal guarantor. 

Since late XXXX I have had numerous calls with AMEX, frequently being passed between departments and getting differing answers. On XX/XX/XXXX, a very helpful member of the XXXX XXXX asked me to fax XXXX XXXX ' letter and proof of the cashed check to the XXXX XXXX XXXX which I did along with contact information for XXXX XXXX and XXXX XXXX so AMEX could be in touch to communicate on the resolution or any further issues. After two weeks of no one hearing from AMEX, I called again today. 

I was told by the Credit Department that they can not contact XXXX XXXX or XXXX. They don't recognize the matter settled because they don't take settlements. Despite my pointing out that they did accept the settlement, they said it's against their policy and they have no one in any department who can speak with me further about the issue - or who will speak to XXXX XXXX or XXXX XXXX. I pointed out that this leaves XXXX XXXX and XXXX XXXX only the pathway of legal action to resolve the issue- which seems silly and wasteful and that there must be someone in AMEX who can discuss the issue with XXXX XXXX and XXXX XXXX who are better versed in the law and the requirements that go with accepting money from a Receivership account than I am. But since I can't find any contact, I'm registering a complain here in hopes of finding someone empowered to communicate and resolve the issue.
Consumer complaint received 2016-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (CA)

I received a response from Debt Recovery Solutions , LLC indicating that they would immediately remove the inaccurate information from my credit report. They had indicated that they needed an account number and identifying information. At the time, my monitoring service could not provide an account number. However, I now have the information and would like the issue to be completely settled. Thus, I received a response from XXXX XXXX. 
Here 's the account number # XXXX. 
Moreover, I have provided a scanned copy of the original complaint for your recollection, along with XXXX XXXX response to expedite the matter. Thank you.
Consumer complaint received 2017-05-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FRANKLIN AMERICAN MORTGAGE CO. (TX)

Franklin American mortgage is reporting my account as late 120 days or foreclosed, depending on which credit report you look at. We actually had a buyer for our home, but Franklin American would never give us the payoff amount or call us back. Their incompetence caused u s to lose our buyer. The foreclosure was improper and is now being misreported.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (MA)

Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XX/XX/2022
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!
Consumer complaint received 2016-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

company, S.P.S. mandating flood insurance but XXXX says I have valid XXXX letters. Insurance not required S.P.S. will not honor XXXX letters charging new escrow account will not respond to inquiry for information
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 XXXX ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CT)

Last year a debt collection agency named " XXXX '' attempted to collect a non-existent debt owed to XXXX in excess of {$5000.00}. They had mailed several notices that I had discarded since I know the debt isn't owed and validated this with XXXX themselves. No credit line was ever opened with them. I had requested debt validation and to cease contact. I received a letter from them stating that they will no longer communicate and the account had been closed. Today I receive a letter from a company named " Jefferson Capital '' which I believe is associated with XXXX from some brief research. They are attempting to collect a non-existent debt owed to XXXX for {$7400.00}. Once again, validated with XXXX that this does not exist and is not owed. 

At this point, an investigation should be made to XXXX XXXX and Jefferson Capital Systems LLC for this behavior. XXXX lied ( Violation 1 ) about the account being closing and instead chose to forward it to JCap. JCap has not printed information on what to do if I believe the debt is not owed on the letter, so that's violation 2. Continuing to contact me about this non-existent debt after request to cease contact is potentially violation 3.
Consumer complaint received 2021-10-03
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. (MD)

disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!
Consumer complaint received 2016-11-06
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (SC)

I received an unsolicited XXXX Rewards credit card from Chase Bank sent to my office last month, this was a card I never asked for and did not want. I called Chase bank and they closed the account and sent me information on credit monitoring and protection. I called XXXX, as I do have a business XXXX account, and they seemed mystified as to how this happened. I do not do business with Chase Bank at all. I do not believe I need any further resolution, just wanted register a complaint that this happened, in the wake of the XXXX issues, wondered if Chase was doing something similar.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pursuant to my rights listed in 15 USC 1681c-2, I submitted all requested documentation, but I have not received any updates or remedies from TransUnion.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (NV)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UMB FINANCIAL CORPORATION (FL)

I wrote a check to a con man and I want to find that man and sue him to get my money back. The trouble is that I do not have his true identity or a location so that he can be served or arrested or anything else. 
However, in order for him to cash my check he must have had an account or must have shown valid ID. If I can find out the bank or banking entity that accepted the check when presented by the con man, I could have that entity subpoenaed or served or whatever to investigate the circumstances related to this check, which was the financial aspect of what was ultimately criminal activity. 
I asked my bank to help me at least identify the corresponding bank or banking entity that received the check, but they tell me their systems only process requests that verify that the account number is valid and that the dollar amount of the check is in the account, and they claim they have no records that would reveal what banking entity was on the check-cashing end of the process. 
It makes no sense to me that there is no tracking through the Federal Reserve check clearing system, but so far no one has been able to tell me what entity has tracking info or how I can ( via subpoena or something ) obtain it.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (UT)

XXXX XXXX is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this account.
Consumer complaint received 2015-11-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: VALLEY NATIONAL BANCORP (NJ)

I have set up a pay my bill with XXXX XXXX to pay my mortgage at Valley National. Valley National complains that they are getting the payments late because they are mailed to them by XXXX XXXX. When I asked if they can get the payments wired to receive quicker they say that the option is not possible through Valley National. I 'd like to understand why with the technology available these days why this is not possible. The only reason I see is that Valley can charge late fees by saying they have not received the payment.
Consumer complaint received 2016-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assistance Corporation dba Revenue Group (OH)

XXXX XXXX from the revenue group is continually calling me from XXXX and saying I owe money but wo n't tell me who unless I give him my date of birth and social security number. I have told him to stop calling or let me know who I supposedly owe money to and he refuses. He says that they have sent me several letters explaining the debt and we have not received any of them.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (TX)

After studying my credit report, I identified some difficulties that were incorrectly stated. The Fair Credit Reporting Act has given me the power to dispute and correct inaccurate information on my credit report ; nevertheless, the following are also prohibited by the Act ( FCRA ).
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: McCullough Payne & Haan, LLC (GA)

In XXXX XXXX, I pulled a copy of my XXXX, XXXX, and XXXX credit reports and noticed that there was a judgment listed in the amount of {$1700.00} ( Case # XXXX ) that was filed in XXXX County, Georgia. I disputed the debt, and it came back verified. I contacted the XXXX County court via certified mail and asked for the judgment to be set aside per I unaware any court date regarding this matter that the XXXX states that I did not show for, nor was I aware that a XXXX judgment had been granted against me. Furthermore, I was not provided with the debt verification that I requested, which the XXXX acknowledges as receiving in the attached documents. This judgment shows on my credit reports as being granted in XXXX, of which time I was a resident of XXXX County, not XXXX County. The plaintiff responded to my XXXX to set aside and asked that my request be denied. On Wednesday, XXXX XXXX, XXXX, I received a " XXXX '' in the mail from XXXX, claiming an amount of {$2400.00}, plus the XXXX cost of {$51.00}. I have not heard from this company regarding this alleged debt until I contact the XXXX County Court asking for them to set aside the judgment after I noticed it on my credit reports. Also, I have not received the debt verification that I initially requested showing that this alleged debt belongs to me.
Consumer complaint received 2016-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX checked my credit said their were delinquinces on my credit report from XXXX experian and XXXX on XXXX/XXXX/2016 serious deliquencey and a number of accounts with delinquencey i have no delinquinces on my credit report at this time through XXXX this information is not true. also no time since deliqunicies on my report
Consumer complaint received 2020-10-19
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. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I had two cards, one with XXXX XXXX, the other with XXXX both owned by Synchrony. 

I would receive late notices with fees added but no original bill. 

I would pay and the same happened again. 

I now paid off both cards with no real intention on using them again I received notice XXXX that one of the cards is being cancelled due to late payments ( kind of convenient now that there is no balance ) and that my credit score was affected. 

Just hope Synchrony is not allowed to go on doing this to people and making millions of dollars doing it.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (KS)

I opened a credit card with Chase bank in XXXX XXXX that had promotional miles and an annual fee of {$60.00} that was to be waived for 1 year. In XXXX XXXX I was charged an annual fee. I assumed it was for the coming year. I called Chase in XXXX XXXX and was told that the annual fee I was charged in XXXX XXXX was for the coming year. I had already paid the fee so I held on to the card for the next year. Today I called Chase to downgrade to a no annual fee card and I found out that the annual fee is backwards looking. I should not have been charged an annual fee in XXXX XXXX. Chase does not have my old cardmember agreement and would not waive the fee for that year or this coming year. I felt this was unethical and canceled the card.
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, legal name which should be the ONLY one listed is XXXX XXXX XXXX. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also a bankruptcy which I never filed for bankruptcy. This is a MISTAKE.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have notified Equifax on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX