davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection (NC)

After getting my annual credit reports, I discovered that I had a collection on my account. I found out what the original company was, an alarm monitoring system. I contacted them, they did not have my information. They said that they had put this into collection. The service was for an XXXX  address. I live in XXXX XXXX  and do not use any service of this type. I called the Perfection Collection Agency on XX/XX/XXXX and informed them this was not my debt. They said nothing. I have since disputed this on my credit reports and added a consumer statement, this is fraud. 
I am also sending a certified letter to this collection company for documentation that this is valid. It, of course, is not as I never have used these services. 
I have never lived or received mail anywhere but XXXX XXXX  in over 35 years. Never have received any mailings or telephone calls and the account was opened at the agency on XX/XX/XXXX.
Consumer complaint received 2020-04-29
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: BARCLAYS BANK DELAWARE (SC)

My authorized user, XXXX XXXX purchased a full size outdoor shed for {$130.00} from XXXX *XXXX thinking we were taking advantage of XXXX sale on XX/XX/XXXX. I did not receive it by XX/XX/XXXX so contacted XXXX to ask them to contact merchant. They never responded so contacted my credit card XXXX and asked them to dispute. They give me provisional credit and ask me to supply proof of what I ordered. I faxed the email proof and they acknowledged that they received my proof for Case ID XXXX. On XX/XX/ XXXX sent a letter saying XXXX is outside of the permitted timeframes to continue the claim through the dispute process and that the chip was read and validated during the authorization process or the card was present and CVV confirmed. This was an online purchase. The merchant is a scammer as they were mailing small trinkets to our address and we thought they were just confirming our address before shipping a 11ft by 18.5 ft full size shed. I emailed the proof of what I ordered and never received. They refuse to credit my money and allowed these XXXX scammers to defraud Americans.
Consumer complaint received 2018-02-22
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. (FL)

i recently sent experian two documents reguarding an account on my credit report via certified mail, i also sent a photo id and a social security card..both documents were very clear in detail, one which under federal law and spelled out very clearly was basically not honored or reviewed, as an employee lied to me about what i requested..i sent a method of verification letter which clearly stated the account i was inquiring about, which states under FCRA 611 ( a ) ( 7 ) that i have the right to receive the documents that they have used to verify the account was mine, within 15 days.the agent i spoke to told me that they dont have any documentation about the account and that they arent required to send it to me.so experian sent me a letter stating that they couldnt honor my request based on the limited amount of information regarding my dispute when clearly in the heading of my method of verification letter that they received it states the name of the account that i am inquiring about.
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diversified Consultants, Inc. (CA)

Diversified Consultants XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested on (? ) XX/XX/2017 Permissible Purpose : Collection I do not know these people. They are mistaken in applying this to my credit profile.
Consumer complaint received 2022-09-11
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. (MI)

Treatment of inaccurate or unverified viable information. 
( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXXXXXX XXXX XXXXT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX XXXX XXXX XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX ACCOUNT : XXXX  THIS CONTRACT IS CANCELLED 5. XXXX XXXX XXXX : XXXX  THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX XXXX XXXX XXXX THIS CONTRACT IS CANCELED 7. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2022-09-11
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

I book a flight to XXXX XXXX in XXXX, which was subsequently cancelled by the airline. I paid with rewards points from my Chase Sapphire Reserve credit card. As the airline cancelled the flight I was eligible to receive a full refund. I called Chase to confirm this and they agreed and indicated that it would process automatically. It didn't and I called them again in XXXX to see what was happening and they encouraged me to wait another billing cycle. Again, it didn't automatically process. I called again at the end of XXXX and Chase indicated that they called XXXX, and confirmed the refund was received and that it would process in 1 to 2 billing cycles. It has been two billing cycles and I have yet to receive the refund.
Consumer complaint received 2020-06-30
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 (FL)

Recently, I found several accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open.They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

MY XXXX XXXX CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with regions in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2016-08-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Wilber and Associates, P.C. (GA)

Wilber & Associates continues to harass me and collect a debt from me that I do n't them. I never established a contract with this company at all. I really dislike how they are threathing me with legal action. That is in complete violation of the law.
Consumer complaint received 2021-02-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act XXXX FRCA ), section 623, subsection ( 8 ) ( D ). I am demanding a reinvestigation and I would a freeze placed on my file for the two fraudulent accounts listed below. The specific information under dispute is fraudulent. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

This law Company, used to be Pressler and Pressler, now it is Pressler and other Lawyers, Felt and Warshaw. For years this man Pressler has harrassed me numerous times for about five years now. I had a couple of charge offs from credit cards. He goes out of his way to buy or whatever they do with these charge offs, and come after me to collect. I have talked them each and every time they did this that I am a senior in XXXX, fixed income and can not pay these charge off credit card. They were like 300, to 500 dollars. About time he got finished with them, the amount drastically went up. Every where I move to because of health issues this Pressler person contacts me, and tries to take me to court. What he is doing is against the law. I have rights, because I am a senior does not mean I am stupid. Then he States it will be on my record for twenty years. That is illegal and so his his harassment. I want it to stop! He uses other company 's website the lastest is XXXX XXXX. You people here seem to do nothing. If this is not solved I will have to contact the Attorney General here in NJ.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX Report with no problem. When accessing the XXXX/Equifax systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TN)

This debt was cancelled by XXXX XXXX last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. XXXX should be aware of this tactic and get rid of this debt since this issue has been resolved.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (NJ)

15 USC 1681i Procedure in case of disputed accuracy section ( a ) ( 1 ) ( A ) states that upon of receiving a dispute from a consumer, that consumer reporting agencies have less than 30 days to complete the investigation and take action by confirming if the item is inaccurate and record the status or delete the item from the file- I sent Equifax Information Services LLC a dispute letter on XX/XX/2022 informing them to verify several items on my consumer report and it's been well over 30 days and I have yet to receive any response or status on the dispute. 

- I then sent a 2nd letter via certified US Postal Mail dated XX/XX/2022 which arrived on XX/XX/2022 and have not received a response or updates on this investigation. 

15 USC 1681 section 602 A defines that a consumer has a right to privacy 15 USC 1681 section 604 A section 2 details that a consumer reporting agency may not furnish a consumer report unless in accordance by the consumer in written form
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XXXX, I applied for and received a Citibank XXXX XXXX credit card. When I received it, I found out it required a {$450.00} annual fee, due immediately. I destroyed the card and called Citibank on XX/XX/20 to cancel the card. I spoke to a representative who convinced me to keep the card and she would waive the fee for the first year. They sent me a new card. I then received a bill from Citibank for {$450.00} and called them back. Another customer service representative told me that the first person was wrong and that there was no way to waive the fee. So, again, I told them I wanted to cancel. He asked me several times if I was sure and then told me to destroy my new card and that the account was closed. 

After that, I received one bill for {$450.00} and thought this was billing made before my cancellation. Yesterday, I received another bill and called Citibank. This time I was told that 37 days had passed since my first bill and therefore there was no way to avoid the {$450.00} fee. The representative now said she was successful in canceling my card, but I would still have to pay the fee. Of course, I was very angry, but the woman told me there was nothing I could do. 

Now I have no card and owe them {$450.00}. I will be sending them a certified letter tomorrow to escalate the dispute as suggested by the FTC. They say this prevents me from threats to destroy my credit score while this is being investigated.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (RI)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-19
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. (AZ)

I am a victim of identity theft and am also included in a XXXX Data Breach Settlement. My name is included in the data breach for settlement. 

I have sent certified documentation into each bureau. The documentation that I mail in by way of certified mail included a copy of my notarized identity theft report statement, copy of my drivers license and social. I also provided my current address, phone number and email address. I will attach documents once again. XXXX has already removed the negative items I am waiting for your company to do the same. 

Spoke with a supervisor at EXPERIAN over two weeks ago and was told that the negative accounts would be removed and that they work with the other bureaus. Still nothing has been done.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Who gave the XXXX the right the issue me a debit card for my unemployment money? 

I don't agree that I should have to pay any money not even an ATM charge to get my money out because I didn't want this XXXX  card to begin with. And if I'm not able to take all of my money off the card then I'm being forced and XXXX in the XXXX by having to pay a fee to get my own money. It's just another way to XXXX you by the government by adding yet an additional sir tax on you. These debit cards are XXXX us and depriving us of our rights while the government is trying to abolish cash. Once they do this they'll have everyone by the XXXX. Just like they did with the cell phones and XXXX did with XXXX XXXX.
Consumer complaint received 2021-11-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (CA)

I sent American Credit Acceptance a notice, requesting an alleged debt to be validated pursuant to 15 USC 1692g. Notice was mailed on XX/XX/XXXX, and confirmed received on XX/XX/XXXX. There has been no correspondents to the letter sent. Silence means that they agree, the demands that were in my letter need to be met.
Consumer complaint received 2018-02-23
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. (CO)

I disputed a collection account from XXXX XXXX XXXX on Experian, XXXX and XXXX  credit reports. So far I have heard back from Experian stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked Experian, XXXX  and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
Consumer complaint received 2018-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I do not owe Diversified Consultants. Ive never discussed business with them and no contracts were signed.The account that they are referring to was a result in identity theft and has been resolved. I have hired an attorney to peruse will legal matters if Diversified Consultants continue to report false information to the credit bureaus. Ive attached proof that this account was deleted. This acount has been flagged for fraud. Please remove all inaccurate, false information from all credit reporting agencies.
Consumer complaint received 2022-09-12
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX Account Number XXXX RESPONSE TOOK LONGER THAN 30 DAYS. PLEASE DELETE THIS ACCOUNT. 

THE NOTICE OF DISPUTE WAS NOT SUBMITTED WITHIN 30 DAYS WHICH IS A VIOLATION OF SECTION 623. PLEASE DELETE THIS ACCOUNT.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 an envelope was mailed to Transunion via USPS tracking XXXX this was received by Transunion on XX/XX/2021. As of today XX/XX/2021 Transunion failed to respond at all let alone in the timeframe allowed. 
The accounts in question which were initially challenged are : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am attaching a copy of the report they contain issues which were previously sent on the above date with tracking info.