davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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. (MO)

The following accounts do not belong to me, therefore Im demanding that these accounts be removed from my credit files. 

1. Credit Factor Accounts ( CH 13 ) 2. Credit Factor Accounts ( CH XXXX  3. XXXX {$1000.00}
Consumer complaint received 2021-09-01
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. (IL)

RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (OH)

contacted the credit XXXX XXXX and experian to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a credit card with Capital One for years and never had any problems. i noticed a charge that was fraudulent on my account. I called and reported it to capital one. They confirmed that it was a scam and fraud activity on my card. They stated that they were going to close the card and send me a new card and reverse the fraudulent charges. I never received the new card and Capital One is still billing me for the fraudulent charges. Each time I call and go through the whole process with someone, it seems as though the matter is resolved, only to keep repeating the same process
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed this account several times. It keep coming back unchanged. This account was included in my XXXX  filed on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. XXXX XXXX : XXXX. This creditor keeps reporting this account is a charge off and late on payment. If they keep reporting this way this account should be removed. or at least report the correct information. thank you
Consumer complaint received 2021-03-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

Corona put us both out of work we lost income due to corona have since started working again for less money. Forebearance has saved us but now were really far behind predatory lender kept telling us not to make payments theyll re modify the loan and add the difference to the end of the loan now they saying otherwise.Theyre adding late payments to my credit profile and adding late fees to the loan which has now gown up {$29000.00} in balance since the forebeance and coroan has started please help me
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (GA)

on or around XX/XX/2021 i switched phone providers from XXXX  to XXXX. i called XXXX  to see my balance owed if any. i was told by a XXXX rep that they would send a return kit. return kit sent.. i did as instructed. was then told i owed {$150.00} to close account. paid {$150.00} case closed. wrong.. @ 4months later i get mail from diversified adjustment with no warning saying i owe {$150.00} and its on all 3 credit bureaus which i soon discovered. my credit score dropped an avg of 25 points across the board. XXXX  has since removed this following my dispute. but that can easily change. XXXX  and XXXX  wont allow me acess to my own credit file to dispute this ... despite repeated phone calls and even letters mailed. paying twice is a hard pill to swallow but for {$150.00} to benefit my family going fwd with the advantage of GOOO CREDIT RATING vs fair as it is now i would do it. but i need a guarantee that diversified adjustment services remove fraudulent charge FIRST. and if i dont do as i said in time for them to receive pay again from me they put it back on.they need to check and REMOVE all 3 bureaus. because at this point I dont trust them. Diversified Adjustment phone # is XXXX XXXX XXXX and im looking at the last letter diversified sent ... .will settle for {$79.00} ... just remove XXXX  and XXXX  and check XXXX  ( already removed ) and I will pay the whole thing ... ..AGAIN ... .at this point with the merger.. my grievance is with diversified
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc. (GA)

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against Merchants & Medical Credit Corporation , Inc. for committing identity theft. I have never given Merchants & Medical Credit Corporation , Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Merchants & Medical Credit Corporation , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Merchants & Medical Credit Corporation , Inc. continues its collection efforts, I will file for litigation for actual damages caused and Merchants & Medical Credit Corporation , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (CA)

There is a company, Franklin Collection, saying I owe {$250.00} and has popped up on my credit report. I do not know this company nor do I owe this debt. If this debt was valid, I would have received a notification that I owed this debt. I have not received anything in writing verifying I owe this debt or who this is owed to. This is not right nor legal and needs to cease.
Consumer complaint received 2021-09-01
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 am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the XXXX XXXX, and Experian who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
Consumer complaint received 2021-09-01
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 am a Vitim of the consent order that was filed against XXXX XXXX XXXX XXXX ( XXXX ) that addressed the Bureaus finding that it violated the Fair Credit Reporting Act ( FCRA ). XXXX has continued to furnish inaccurate information regarding to credit bureaus with account information that is completely inaccurate and does not belong to me. I have contacted XXXX XXXX XXXX XXXX multiple times and the company has failed to provide information regarding this debt and has not removed this debt from my credit report which has impacted my credit score and access to credit. Additionally XXXX has reported varying information regarding the CRA 's and has failed to verify the accuracy of the information reported. XXXX XXXX XXXX XXXX has a known history of predatory auto lending and request the details of this complaint are investigated promptly. 

I have contacted the Transunion, XXXX, and XXXX  who have also failed to accurately investigate these concerns in a timely manner and resolve this complaints noted. Additionally, the bureaus have failed to provide details regarding the investigation.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lowther Johnson Attorneys at Law, LLC (MO)

I was personally victimized by Attorney XXXX XXXX XXXX XXXX, belittling tactics with regards to a XXXX XXXX dues debt collection. 

XXXX XXXX Law Firm, Lowther Johnson, in XXXX, MO represents my XXXX. I called XXXX XXXX firm to request a reduction in interest fees because the bills and communications were being sent to my ex-husbands address. They were not being provided to me. 

During a six minute phone conversation, it was clear he was unwilling to compromise and he began issuing insults about my ability to process information. 

The XXXX debt was paid in full on XXXX ( received a receipt from the firm ). XXXX XXXX refused to deposit the check for weeks. 

Instead of dismissing charges for the debt payment made in full. In retaliation for the the conversation, he added charges for IT support of {$300.00} to block me from his server after sending three emails in response to his three emails ( if they are charging me fees how am I supposed to communicate with them about XXXX fees ) and charges for his legal services ( although the XXXX pays for his services ). 

XXXX XXXX utilized sexist and abusive tactics towards me and other women in the community. Using statements like tell your Wife to shut up and listen here little missy, I dont care what you think you know.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current (GA)

My name is XXXX XXXX I am filing this complaint for myself against current bank which is a choice financial group I had deposited {$100.00} and {$76.00} into my account online on XX/XX/XXXX at XXXX XXXX. I tried to transfer my funds to my go to bank account which is through XXXX XXXX XXXX and when I tried to transfer it it said this action could not be completed at this time please try again later but it charged my current account so it took all my money out of my current account and did not deposit it into my go-to bank account and now the money is pending and I have no money but both Banks are saying that there's nothing that they can do so nobody will give me my money nobody will do nothing for me and I'm broke losing stuff because I can't make my payments on time because those banks will not give me my money I would appreciate it if something was done about current bank please thank you
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc. (KS)

Medical revenue service called around XXXX today XX/XX/2021 I was told I work and my wife needs to learn to pay bills because she is a debt collector as well. I ended the call with the person on phone as I felt threatening by this person who is calling me from Florida did not I'd who they are did not give mini Miranda nothing. I called my wife she called them they got angry with her she told them do not call me or her again as they have not sent any letters to our home justifying who they are. What can be done bout this harassment and threats.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I try to call the chase account team all last week they had me on hold each day for 45 minutes nobody came to the phone I was trying to contact to tell they to take my {$20.00} check off hold they did this because Im XXXX the discrimination against me chase bank also I did a mobile deposit they clear my bank with the check they still but the check on hold for 8 days because Im XXXX.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

I have been charged wrongfully since XX/XX/XXXX. I calles customer service to make a payment becuase there systems online were not working and calling numerous times to get thru finally reached someone on XX/XX/XXXX to ask about bill. The representative assured me my only balance was XXXX so I becuase that was all that's owed she advice to me make this payment and your account will be satisfied. Then in XXXX again a balance of XXXX and additional XXXX charged again for no apparent reason no transactions were ever made and again balance showed up. Then representative fixed it. In XXXX it showed up again and called to get it fixed representative again assured me no balance that I in fact had a credit due to fixing issue. Then today XX/XX/XXXX, I have a balance again for the same thing I keep paying over and over. Victorias secret credit card has been taking money from me saying its late fees etc when I have not used my account and they have been advising to me payments have been satisfied. Every month is the same concern and I called them to get them to help on what is happening they say there is no balance but then it shows up again.
Consumer complaint received 2023-07-12
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. (OR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

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.
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX, I received an offer to advertise for XXXX water. I applied and, on XX/XX/XXXX, I received a check for {$2500.00}, by USPS. I deposited the check into my Bank of America acct the same day. I asked the bank teller if the check was a legitimate check, she said it looked real and the funds would clear in 24 hrs. The money was to pay a company to wrap my car w the XXXX ad and cover my first week of wages. I was then instructed to XXXX {$1000.00} to the worker doing the wrap on my car. I sent the money, then a friend notified me they suspected it was a scam. I called the bank the next day, notifying them of the potential scam and requesting an investigation to return my XXXX money. I inquired, if the money transfer can only goto a legitimate bank acct holder, shouldn't they b able to access the funds still, or at least investigate the acct holder of the received funds? It had been less than 24 hrs since the XXXX transfer. I was also still receiving instructions from the scammers to deposit more money to cover materials. Bank of America was hesitant to take action until the check had been returned, but I insisted on an investigation into the XXXX transfer at least. The check was returned two days later and my acct was charged for the funds and a penalty charge. I filed an investigation into the returned check. There has been no response to either investigation on the XXXX transfer or fraudulent check. The bank has no insurance or policies to combat this type of fraudulent activity. I feel as though the bank had no sense of urgency to track the XXXX transfer to return my money, and they did not show a genuine concern in aiding me in my attempt to disrupt the fraudulent activity.
Consumer complaint received 2021-01-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

In 2018, Portfolio Recovery, took, me to XXXX XXXX County General District Court, to seek redress in this issue, however fail to produce the necessary Bill of Particular Items. 
They were as followed Date and Amount Account was purchased for Proof from XXXX  XXXX that sale of this account was given to your company Portfolio had already place this on my Credit Report and refused to remove it. Furthermore, I've had my present XXXX XXXX Credit Card Account for the past 2 1/2 years, and it as remained in good standings. 
These tactics of using people 's credit to make them pay a debt, that they can't even prove they are owed, and which has damaged my credit report by 56 points, is nothing more than malicious and vindictive.
Consumer complaint received 2021-10-18
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-01
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. (NY)

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. 
Pursuant to 15 USC 1681b ( 4 ) ( C ) ( 3 ) ; Information regarding inquiries " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' As a Federally protected consumer under title 15 I demand the removal of all inquires on my consumer file.
Consumer complaint received 2021-09-01
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: AMERICAN EXPRESS COMPANY (VA)

On ( XX/XX/2021 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater