davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-19
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX, XXXX I sent a certified letter to all credit bureaus and Experian advising them that I had never lived at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The person living there has my same name and had a criminal. Experian was going to correct but still remains on my credit report.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very distressed that your agency continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports published. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

This account was allegedly charged off in XXXXXXXX XXXX XXXX However XXXX is stating for the same month a OK payed status for the month of XXXX and XX/XX/year>. 
INACCURATE YOU MUST DELETE When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

INACCURATE YOU MUST DELETE Unde

r 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. 

This inaccurate account was sold to a third party company and not reflecting a XXXX ( zero ) balance which is a misrepresentation of the account status. 
INACCURATE YOU MUST DELETE Please review attached with third party information. 

Not only listing of aforementioned reasons this inaccurate account is reporting XXXX percent inaccurate and reporting inconsistent balances across bureaus which includes : XXXX. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening XXXX. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached documents of a side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents. 

I am demanding a permanent deletion of the following account : XXXXXXXX XXXX
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Been reporting fraud on my credit report, a lot of unknown inquiries TransUnion fail to investigate under FRCA 1681i, Mailed my FTC fraud report in via certified mail and they still fail to investigate.
Consumer complaint received 2020-05-26
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

So that was XXXX Escrow Shortage Issue ... ... NOW for XXXX Escrow Shortage Statement " Please pay this amount in order to keep your Mortgage Payment amount at the current level ( which I had disputed ; see below ) they sent coupon,,,,,, I paid ... ... ... ... .they raised Mortgage Payment Amount AGAIN! 

Shellpoint Mortgage Servicing Loan # XXXX XXXX received Annual Escrow Assessment Statement that indicated shortage of { {$290.00} }, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at { {$540.00} }. I used that coupon and remitted { {$300.00} } on XXXX. They acknowledge receipt on XXXX, but billed { {$560.00} } for XXXX I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XXXX correspondence saying " your current payment amount is { {$540.00} } '' XXXX correspondence now says although they credited my Escrow Shortage payment XXXX they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of { {$560.00} }! Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see attached Company information Date complaint sent to company XX/XX/XXXX Company name Shellpoint Partners , LLC Timely response? 
Yes Company response to consumer Closed with explanation
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with JPMorgan Chase Bank, N.A. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NH)

COMPLAINT : Unfair and Deceptive Business Practice - Citigroup Inc . 

COMPLAINT TYPE : Unauthorized Credit Card Charges to an Expired Credit Card COMPLAINT DETAILS : XXXX XXXX magazine is a publication of XXXX XXXX XXXX with the business address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. XXXX XXXX XXXX provides XXXX XXXX magazines to third party Internet vendors like XXXX with the business address of : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX. 

XXXX has been providing regular copies of XXXX  XXXX magazine to me since XX/XX/XXXX and has been charging my expired XXXX XXXX XXXX XXXX XXXX XXXX Card number for the last three years without delivering NOTICE in invoice form to me or obtaining affirmative authorization to charge my credit card for each renewal period. The annual charges are about {$30.00} per year. Such can not be documented because XXXX provides no invoice, receipt or documetation regarding transaction amounts. 

These transactions were made possible by a surreptitious process within Citigroup Inc. [ Citi ] whereby credit card transactions, without the merchant providing a current credit card number, expiry date or CVV ( " Card Verification Value '' ) number, translates expired credit card numbers to the customer 's current account and credit card number, which constructively allows the merchant to perpetually charge the card holder. 

Citi customer service was contacted by telephone and it was verified that this translation process is an existing process within the Citi credit card processing centers and that customers may not opt-out of this automated translation process. 

The inclusion of expiration dates on credit cards is a well accepted fraud prevention measure designed to protect customers from charges processed without proper NOTICE or authorization. However, Citi has clearly abandoned this due diligence mandate to cross-check and verify transactions using credit card numbers, expiry dates and CVV numbers and instead has created a process to collude with merchants like XXXX who are making unauthorized transactions to the peril and financial harm to customers. 

Whereas, I have contacted, without relief, XXXX XXXX XXXX, XXXX and Citi today in good faith to resolve this systemic controversy, I am filing this complaint praying that this practice will be deemed an unfair and deceptive business practice that must cease and desist as soon as possible.
Consumer complaint received 2017-02-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC (TN)

Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.
Consumer complaint received 2021-02-25
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)

Experian will not remove the fraud alert form my profile now i can not use my credit cards they have been frozen. 
I never requested to have a fraud alert on my profile this is a XXXX attack on my credit Experian is attacking an old XXXX man they are hurting my good credit when i have worked for years to have good credit!!!!!!! 

I have filled a complaint with the XXXX something needs to be dome about this our complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX dob XX/XX/ SS # XXXX
Consumer complaint received 2015-06-26
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA staff advised us on XXXX, in XXXX separate phone calls, that USAA is now permitting all fraud activity on their members ' cards to be handled by a fully automated system. USAA further advised us that this system is completely autonomous and there is no human oversight or control. Therefore members ' cards will be subject to hold and suspension with no known cause or effect. This will cripple business and personal activity of those members who can now not rely on the availability of the credit and purchasing power given to them under the card members contract with USAA. 

This violates the following : USAA card member agreementState lawFederal lawTruth in lending lawFederal law governing internet and on line treansactions Personal civil rightsWe require USAA immediately reinstate a manual control over their fraud alert issues of all card members accounts before serious retribution and/or risk to USAA employees and public safety that could result in loss of life is reached. 

Under this current situation we have been forced to suspend all state to state travel as we can no longer depend on our credit cards being accepted at all locations we use for purchases to conduct our day to day business. As USAA can not know when, or for how long, or for what reason, alleged fraud activity by their automated system would shut our cards down ; we are forced to suspend operations. We can not jeopardize our staff, volunteers, or clients to the risk of an ambiguous automated system that would result in our staff, volunteers, or clients being held hostage by an out of control automated system. USAA 's unwillingness to correct this matter and provide proof of cause and effect is a form of extortion and could be considered an act of terrorism against us - a religious based operation. 

XXXX XXXX, Va.
Consumer complaint received 2017-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (MD)

My XXXX account was included in a bankruptcy filing in 2010 which was discharged in that same year. I did not respond to correspondence from the debt collector about the allege debt for the reason mention above. The collection company should had performed ( due diligence/requested full disclosure of account status ) before acquiring this debt from XXXX. I 'm complaining about it because now its erroneously being reported to the credit bureau and adversely affecting my rating.
Consumer complaint received 2020-07-09
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. (TN)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The information listed on all 3 credit bureau seems to have misleading info. 
Account type : Experian Credit Report List XXXX XXXX XXXX Credit Report List XXXX XXXX XXXX Credit Report List installment I understand that installment and auto loan fall within the same scope. If the company is going to use auto loan they should stick with that term throughout credit reporting, it draws a confusion when one credit report listed as auto loan and the others as installment. 
The status of all 3 credit bureau seems to be contradictory Experian Credit Report List Account charged off. 
{$18000.00} written off. {$10000.00} past due as of XX/XX/2023. 

XXXX Credit Report List Charged off as bad debt. 

XXXX Credit Report List Charge-off Status updates are not consistent. 
XXXX credit reporting whenever they feel the need is only hurting my credit. 

Past due amounts are not consistent as well the paid off percentage
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX continue to report an allege debt I do not owe and they have not validated or verified as belonging to me. I have received no documentation or contact information on who they spoke with to validate this allege debt. This debt has been canceled out and is now considered income and can not be reported to the credit bureaus.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian is reporting a debt collection that I do not owe. This debt has not been validated or verified as belonging to me. Experian has sent no documentation or contact information on who they spoke with to validate this information before they added it to my consumer report. Furthermore the alleged debt has been canceled and reported as income to the IRS which income can not be reported.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MD)

I applied for a business credit card with chase bank on XXXX XX/XX/2022 and was denied because of my personal credit witch I believe that not fair since they are two different types of credit chase bank didnt explain anything to me in reference to this matter and I want some answers
Consumer complaint received 2016-03-14
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Incomm Holdings Inc. (DE)

On XX/XX/2016 I loaded up a my vanilla prepaid card at the XXXX store in XXXX DE. I PUT XXXX On the card in cash. The very next day I opened up the card and than went on line to register it l like I was suppose to do. 0n XX/XX/2016 i went shopping and when i tried to purchase something it was declined. So right away i called my vanilla card and they said that my card was register to someone else and they were claiming it. Also they asked me to send in my documents which i sent in everything like my social security card, my receipt, my state ID, a copy of the vanilla card front back. And proof of residence, I sent that in by email on XX/XX/2016. Now every time i call them it 's something new. First it was 3-5 than 10-14 days now 60 days before I hear something back. It just does n't make sense. I think it 's fraud. I do n't know if their trying to keep money or what. They wo n't tell me anything. So am lost here.I called XXXX a few days ago and they told me that everything on their end was good but they did find out that my money was used at a collection agency on XX/XX/2016 the next day after a bought it. But how is that so. I want to know because i registered it on XX/XX/2016 on their website and it said i was good to go. They said that the card was activated so i did n't need to go on line and register it. Now am really confused here they also said they do n't know why my vanilla prepaid visa is giving me such a hard time with this dispute. Its crazy how XXXX found out and was able to tell me that XXXX the incomm people from my vanilla act like they do n't know what 's going on with my dispute with them..PLEASE HELP ME SORT THIS OUT.
Consumer complaint received 2022-08-08
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. (CA)

FRAUDULENT INQUIRES ON MY EQUIFAX CREDIT REPORT! BLOCK AND REMOVE! 

XXXX XXXX INQUIRY ON XXXX ATTACHED IN FTC REPORT, ID AND UTILITY BILL
Consumer complaint received 2015-05-08
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: LOBEL FINANCIAL CORPORATION (TX)

This has been calling to many times in a day time. I believe that ina weeks time they called me almost a hundred times. In one day I had 32 Voicemails from this company. This has to stop these people are calling my family, friends, and place of employment.