davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CA)

I submitted a letter from the alleged company ( XXXX XXXX ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by XXXX XXXX and my credit score was amended because of that proof. However XXXX XXXX failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. XXXX XXXX failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). XXXX XXXX also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. 
This whole mess with the collection agency is the result of faulty reporting errors by XXXX XXXX which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from XXXX XXXX and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it as a factoring trade line account.
Consumer complaint received 2018-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.
Consumer complaint received 2023-04-06
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: I.C. System, Inc. (TN)

I received an alert through XXXX XXXX that a collection appeared on my credit report for XXXX XXXX for {$920.00}. The collection was placed on my credit report by an IC Systems. Ive never heard of an IC Systems and Ive never had XXXX XXXX XXXX services. And, logically, if I had XXXX XXXX, how would my bill be XXXX XXXXXXXX? That makes no sense. This is fraud. I disputed this with the credit bureaus but I received a message saying this is a legitimate charge. If you review my credit report, you dont see any history of me not paying bills so why would I start not paying bills now. I have a problem with the credit bureaus placing this information on my credit report, lowering my score, without verifying this debt with me in this fraud environment. The credit bureaus assumed this is a legitimate debt and assumed that the customer didnt pay. Im filing an identity theft police report
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Credit, Inc. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

Chase bank has a feature that is supposed to alert you via text, email and/or push notification if your balance drops below a certain dollar amount or if overdraft your account. This is, in theory, a good feature. In practice, Chase routinely fails to send these notifications. Other times, they send them after they've collected any overdraft fees. On multiple occassions between XX/XX/XXXX I have had balances dip below a certain threshold and not receive any notifications on two different accounts. In one instance, a notification came after they charged for multiple overdrafts, that were processed after the cutoff time for new deposits.

This is not by any means a new problem, I have been dealing with this issue since at least 2019. After multiple lengthy exchanges with customer service representatives I have gotten some of these fees refunded. Other times they have steadfastly refused.

In my experience, it appears Chase is deliberately withholding or delaying notifications from customers in order to extract fees from their customers. I, as a customer, have tried to alert them to this problem on multiple occasions, but they have yet to correct it.

This is a service Chase markets and advises its customers to sign up for to avoid overdraft fees, but they are not actually sending out these notifications.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I write this Claim disputing attached Credit Report and requesting this third time for the XXXX Credit Bureaus to investigate and correct my credit profile pursuant to 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. In closing 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Said circled accounts including derogatory public records are not authorized by me to be furnished nor are they accurate 100 %. They must be removed as per the law.
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the fair credit reporting act XXXX  Account # 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 2024-05-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MN)

I filed for bankruptcy XXXX of XXXX. A stop was placed with all creditors around this time. During this time, when I logged into AES to confirm the stop hit the account, I was greeted with an automated message clearly as day stating that they received notice about my bankruptcy and that any payments during this time would be voluntary and that AES was not asking for payments. I also had private loans through XXXX and was met with similar messaging. In XXXX of XXXX, it was reported to my credit bureaus that I was late on my AES loans ( 2 of them ) in XXXX and XXXX of XXXX - months after I filed my bankruptcy. I disputed with both AES directly and XXXX directly and was denied. I was mislead by my account status saying no payments were due as well as when I called in they also verbally stated the same thing. XXXX and other agencies ( that were not to be discharged ) didnt report me at all. Only AES. I have proof of what I submitted via their dispute center and also the communicate between my lawyer and I regarding this.
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX a dept validation was sent out to XXXX XXXX. On XX/XX/XXXX I received mail from them explaining that they had validated my account and enclosed documents. The documents they enclosed did not validate the account. My signature was on no such document, I do not have a signed contract with them.
Consumer complaint received 2022-02-02
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$12000.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX CAPITAL XXXX {$0.00}
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (FL)

XXXX has charged me the entire phone charge for a replacement phone that i received. 
The original phone had several issues, and I was told that I would not have to return the old one. 

I later received a bill that included the entire cost of the old replacement, and when I tried to resolve issues with the bill I was given no other options but to pay the entire balance. 

Since payment was not affordable, the bill could not be paid Original Creditor Name XXXX
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now
Consumer complaint received 2022-04-30
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. (NY)

I write this Claim disputing attached Credit Report and requesting this third time for the XXXX Credit Bureaus to investigate and correct my credit profile pursuant to 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. In closing 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Said circled accounts including derogatory public records are not authorized by me to be furnished nor are they accurate 100 %. They must be removed as per the law.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

I responded to a letter in the mail from this debt collection company. They asked that I send a dispute letter within a certain amount of time if I don't believe the debt is mine. I sent the letter and never got any correspondence back. Today, I get a notification that the debt is being reported to my credit reports. 

The debtor has purchased debt that was a result of identity theft and is reporting is as accurate dispute my dispute letter. The did not respond nor notate the account as fraud. The previous account owner also knew of this fraudulent debt and was not suppose to sell or transfer without notifying the new owner that the debt was discharged due to identity theft. 

XXXX XXXX isn't reputable and does not respond to dispute letters. They only send the letter out to say they are FCRA compliant but they do not abide by the full extent of the law.
Consumer complaint received 2018-02-11
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: Experian Information Solutions Inc. (GA)

Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX XXXX. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with XXXX  and by phone with XXXX with a rep named XXXX
Consumer complaint received 2018-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX XXXX. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with XXXX and by phone with XXXX with a rep named XXXX
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (FL)

I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX  that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXXWhen I called XXXX XXXX they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Consumer complaint received 2022-04-30
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: EQUIFAX, INC. (FL)

I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX.When I called XXXX XXXX they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Consumer complaint received 2022-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX I called XXXX XXXX XXXX XXXX to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.
Consumer complaint received 2021-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In 2002 I have an XXXX  report of a {$6100.00} payment with Capital One never paid and closed. 

I called the company, Capital One and they do not have my social security on file with Capital One. XXXX  reports I never paid Capital One and I never owned this card. 

XXXX XXXX XXXX
Consumer complaint received 2020-01-26
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. (VA)

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX  breach, on which I've learned happened multiple times from XX/XX/XXXX-XX/XX/XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/XXXX, I contacted comenity bank and paid my balance in full and requested account be closed. I asked them not to contact me anymore. 

Comenity bank has done the opposite. 
They have left my account open and are continuing to charge me fees. I have documentation of the interactions and am on the phone with them now. 

At this moment the rep is stating she has. has gotten rid of the additional fee and closed the account but will not send me an email to confirm this. Finally after I pressed her, She gave me a confirmation number which I don't trust because, she was unable to send a confirmation email attesting to what she did to change my account. 

When I go online they still have my account open like none of this ever happened a month ago. They have yet to send me confirmation of account closure or reversal of a {$2.00} fee. 

They told me that 24 hours needs to pass before I get a confirmation letter/email. I believe this is a lie since I am attaching documentation of the lie told by another rep stating may account was closed last month. 


My account remains open. 

I do not recommend this card for anyone.