davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
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: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XX/XX/XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-10
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: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (GA)

I have disputed this debt and I have attempted to get the debt validated from the collection agency which they refuse to do. Instead of validating the debt they have sent me old bills explaining a balance that does not belong to me. I am not responsible for this debt and would like to have it deleted from all three consumer reporting agencies.
Consumer complaint received 2021-06-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax, XXXX, and XXXX is wrongly reporting my XXXX XXXX XXXX  card balance. I do not carry a balance on this card.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 I sent a dispute letter to XXXX XXXX and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXX and XX/XX/XXXX is together on one file while XX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed
Consumer complaint received 2020-08-31
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. (AL)

File dispute with XXXX XX/XX/XXXX Contacted Wayfair XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

On XXXX, I called NELNET and requested a pay off amount/statement. They only provided me with the balance of {$130000.00}. This information was given to XXXX XXXX, the new company who was taking over my loan, and paid off the amount in about 30 days. On XXXX, I received communication from NELNET they received this payment, but I still owed them {$810.00}. The Account Manager at NELNET admitted they conducted business wrong, but could not write off the amount owed, only the Dept. of Education. I called the Dept. of Education and spoke to a supervisor, who said that was not true and NELNET had the ability to forgive the amount owed. I filed a compliant with them, report # XXXX. I also field a complaint with OMBDSMA, case # XXXX, but the investigation will take 60 days. On XXXX, I called NELNET back and spoke to another supervisor and explained this new information. The supervisor told me they did an internal investigation, listened to my recorded phone call from XXXX and I was still responsible for the interest amount owed and had to pay it based on my signed Promissory Note. I asked the supervisor for a copy of their investigation and phone call and was not provided anything, other than an e-mail that the matter was looked into and I was responsible, even though they admit to the business error. I have no idea who is telling the truth, NLENET or the Dept. of Education and am asking for the interest owed to be forgiven. In my opinion, this is a form of theft, as they have no supporting evidence and are trying to get more money out of me. Also, interest is still occurring daily at the rate of XXXX cents a day. Please help me.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Williams & Fudge, Inc (WA)

I have received harassing phone calls from XXXX XXXX XXXX XXXX numbers for some time. The numbers are : XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( three missed calls ), XXXX XXXX XXXX XXXX XXXX ( one missed call XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/20 ( two missed calls ), as well as calls with similar frequency further back that are attached in the screenshots provided. 

Today, I finally received a voicemail from XXXX XXXX XXXX XXXX XXXX that stated " We have an important message from Williams and Fudge, Incorporated. This call is from a debt collector. Please call XXXX XXXX at XXXX. Thank you. '' Upon searching for the number to call back, the number was not associated with Williams and Fudge directly and has several scam reports. They are typically associated with student loans and with my federal student loans my account is current, so this is obviously a scam call.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion and XXXX  continuously ignore requests to add my current legal name to my credit reports. On XX/XX/XXXX, I had my legal name changed via a court order. I furthermore currently have a XXXX credit card under my new legal name ( I had this account prior to my name change, but have since updated my account information with XXXX ). Despite this, TransUnion and XXXX  still only list my former legal name. This makes it difficult, if not impossible, for me to create new accounts at most financial institutions despite otherwise meeting any other requirements. 

I realized that only my former legal name was listed on my credit reports at the beginning of this year ( XXXX ) as I attempted to open a new bank account online and was denied due to the discrepancy between the name listed on my personal identification and the name listed on my credit reports. 

I mailed TransUnion, XXXX, and XXXX  letters requesting they update my legal name in their reports, as well as notarized copies of the court order for my legal name change and copies of my driver 's license and social security card, both of which reflect my current legal name. TransUnion refused to acknowledge my requests at all. XXXX  mailed me a letter ( dated XX/XX/XXXX ) claiming they would update my personal information, yet as of my XX/XX/XXXX report, only my former legal name is listed. XXXX  mailed me a letter stating they could not find any credit information in their database from my information, which I believe is simply due to my small credit history and thus I am less concerned about them.
Consumer complaint received 2022-08-13
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. (NC)

There are multiple inquiries displayed on my personal consumer credit report that I did not authorize. Also my credit score is reflecting incorrectly on my credit report. Timeframe is from XXXX
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (FL)

Sometime around XXXX, I called XXXX to inquire about help on payments regarding change/loss of jobs due to COVID-19 and/or what I should do if I can no longer afford the payments. I was able to defer payments with no late fee or any delinquent payments for up to 10days- I was informed that after the 10days was up they will no longer be able to prevent the deferment from affecting my credit and that I would need to pay {$590.00} by XX/XX/XXXX to ensure I am not considered " late '' on payments.

XX/XX/XXXX- I spoke with XXXX from Chase ( bank in charge of the lease ) regarding further options and was told that my lease agreement is set and I will be unable to negotiate a lower payment plan or change the lease agreement in any way during the duration of the lease contract. My only other option is a voluntary repossession which will in turn negatively impact my credit score and my ability to find a place to live. 

I am a XXXX XXXX  who works part-time at a XXXX job who came to the XXXX XXXX  to only look at my potential options and what is a feasible option for a XXXXyr old living on her own and paying rent at the time. I now realize ( after speaking with older adults who have car buying experience ) how extremely reckless it was to get into a lease agreement such as this with no prior knowledge of how buying/leasing a car works, let alone my income should have been a red flag as to my lack of funds to pay for a car as expensive as this one, and tacking on negative equity which I also felt was not explained to me and I had no knowledge on when agreeing to this lease. The dealership should take responsibility and know well enough that a girl my age, in college, with a part-time job most certainly CAN NOT afford a XXXX car with this ridiculous monthly bill on top of my $ XXXXmonth rent which left me with no choice but to end my housing lease and not resign and live at a friends house or else I would be essentially homeless. I put a XXXX down payment yet my monthly bill is {$590.00}. I am jeopardizing my education to work as much as I can to pay this bill that I should not have been coaxed into getting.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (LA)

I, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX XXXX and there is no third party involved. I have sent out a letter to XXXX XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXX XXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXX XXXX XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX XXXX XXXX : XX/XX/XXXX AND XX/XX/XXXX. These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXX
Consumer complaint received 2020-12-10
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: Experian Information Solutions Inc. (VA)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I don't recognize this account. I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (PA)

So, I did receive the documents from Vance Huffman, but again this is not mine. And I really am disgusted with the attitude that they project because just because there's a debt it must belong to me. Collection companies are all the same. I asked them if they had tried to contact me regarding this debt and she said they did, And When I asked when she told me by email. So, I went through all of my emails and there is no correspondence` from Vance Huffman or any phone calls or voicemails. In fact, the lady I spoke to was rude and inconsiderate and sounded like she was bothered by me asking questions that I have a right to ask. So, they slapped it on my credit report. And I will fight to get it off because it is not mine.
Consumer complaint received 2022-04-26
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: LEXISNEXIS (GA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-12-10
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: AMERICAN EXPRESS COMPANY (NC)

We have had issues with an XXXX order totaling {$1300.00} that was charged to my American Express card. I initially filed a dispute with Amex which has gone back and forth since XXXX ( item is broken ) with American Express. After spending hours on the phone with XXXX XXXX merchant ), and Amex, XXXX agreed the credit card dispute process was getting confusing on their end. XXXX sent me an e-mail refund receipt confirming I will receive a full refund ( e-mail attached ) to my American Express credit card. This refund never processed through. I contacted American Express customer service and was told that they understand the issue and that it will be resolved and closing out the dispute was the best course of action while escalating the issue to their " back end team '' as I have a refund receipt but no refund. I have documented copious amounts of information with Amex and have a refund receipt from XXXX but this credit card company is not providing me with the layer of consumer protection they advertise. I have spent nearly XXXX this year alone on this credit card and am shocked at the fact that Amex is not holding up to their own credit card agreement on refunds, disputes etc. especially given that I have an e-mail citing a refund which was never issued to my credit card. Since XXXX I have had XXXX charges totaling {$1300.00} and XXXX credits of {$1300.00}. I should be at net zero and am not.
Consumer complaint received 2022-04-26
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: The Bureaus, Inc. (AL)

Business : The Bureaus Inc Issue : Double reporting! Reporting an old account as a new account in which they are trying to make the old collection account seem new and making an attempt to damage credit score even more
Consumer complaint received 2021-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.
Consumer complaint received 2020-12-10
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: TD BANK US HOLDING COMPANY (MA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-10
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: WELLS FARGO & COMPANY (MA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and WELLS FARGO DEALER SVCS add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (FL)

I have written to the company a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my  physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. As of XXXX /2017 they had sent me a document with wrong address, no consumer agreement, and also my name typed as a signature with undercase lettering. That is definitely not an authorized agreement. They have STILL not  provided me with any proof that this said " debt '' belongs to me.