davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (TX)

My Name is XXXX XXXX XXXX, I am formally requesting that you validate all trade line notations you have submitted to the major credit reporting agencies ( XXXX, XXXX and XXXX ), based on the account information and any additional information of this account from the Department of XXXX XXXX 

HAVARD COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX {$560.00}. 
Due to possible inaccuracies in these CRA reports, I must demand a validation. I hereby lawfully request to be in formed through a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line.

Please note that by law you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

Current Address : XXXX XXXX XXXXXXXX XXXX TEXAS, XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-07
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. (GA)

I advised that I did not authorize any of my personal information such as payment history, Balance, and more to anyone. The credit Bureau advised that they would get back to me and then sent me an email stating that they have the authority after I asked them for the wet ink signature that I signed with them or the company they are reporting on behalf of. They replied stating that by law they do not have to when their privacy policy states that they keep a copy on file of the signed consent. 
I am requesting that XXXX, XXXX XXXX and Experian. Provide me with the written agreement that I signed in blue ink that authorizes them to report accounts .... 
XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. All XXXX  loan information. 

PROOF OF POSTAGE - XXXX ( XXXX ), XXXX - XXXX, Experian- XXXX.
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

In XX/XX/2021 I was a victim of fraud. I received a text message from my bank asking if I was attempting to make a purchase as they were believing it was fraud. I responded I didn't make the purchase. After the text I received a phone call, from the number on the back of my debit card. The man identified himself as a member of the Chase fraud department. They reviewed the purchase they had text me about and once again verified that it wasn't me. They said that they would stop the charges as they were still in a pending state and that the money would be refunded to me the following day. They then talked to me about security measures to take on my account. By the end of the phone call I noticed that {$5000.00} was gone from my account. The next day {$5000.00} more was taken. Both amounts were taken via a XXXX transaction and the notes on the debit line had my name, so it looked like I transferred money to my own account. I hadn't even set up XXXX with my business account. Someone had hacked my password, entered my bank account, set up XXXX with their phone number and transferred funds. Whomever the person I was speaking to was in my account as they knew transaction amounts and the total amount of money in my account without me saying anything. Again, this is why I believed that it truly was my bank. I alerted the police. They advised me to work with my bank and that they would do what they could to help, but that Chase bank isn't helpful with police and often use the phrase that they can't give out any information due to protection of the clients. I immediately called Chase bank and they confirmed that they had no notes in their system of a phone call and they also alerted me that Chase bank doesn't text it's members ever. For the next week I spent countless hours calling Chase bank, being transferred to numerous different people. Each of them all told me different things, but it all came down to they blame XXXX and XXXX says its the banks issue. I called XXXX and they wouldn't help either. I called a local Chase branch and made an appointment with a local advisor for XX/XX/2021. She was very sympathetic and agreed that I wasn't in the wrong and that this needed to be escalated to a supervisor. She said she would do that and follow up with me the next day. I never heard from her again. I also emailed her on XXXX XXXX, 2021 to check status and she never responded to that either. I have begged, pleaded and told my story to 20+ people whom work for Chase Bank and none of them helped me in this situation. They said it was my fault even though I wasn't the one who set up the XXXX account or authorized any money to be transferred to any accounts. I was a victim of fraud in the amount of {$10000.00}. As a XXXX XXXX XXXX who at the time had only been open for 2 years, this is a huge loss.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2024-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (CA)

I had emergency health services which are covered by a {$150.00} copay. I paid the copay. Responsible party is XXXX XXXX. They have told my insurance company, XXXX XXXX XXXX XXXX  that they would pay the numerous charges for XXXX. They have not. I have informed the collection company, Evergreen, that I do not owe this and sent copies to XXXX and Evergreen. I have asked to pay this as promised to XXXX XXXX and told Evergreen the information and a demand to stop contacting me. XXXX has not paid the several bills and Evergreen has not stopped the calls and letters.
Consumer complaint received 2022-04-01
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this item numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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: JPMORGAN CHASE & CO. (GA)

XX/XX/2023 XXXX for a JP Morgan Chase credit card account. 
I called the company to report the incorrect inquiry. I informed the company that I had a fraud alert on my credit, and that I should have received a phone call for any credit inquiries. I also reported the fraud to XXXX, and put a freeze on my credit file, and renewed my existing fraud alert.
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In acordance with the fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions.
Consumer complaint received 2022-08-08
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: CITIBANK, N.A. (TX)

Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized XXXX to furnish anything on my credit report I contacted XXXX and have disputes these inquiries. 

XX/XX/XXXX CBNA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. I have reviewed my insurance statements and even my personal health chart and I never saw any dr XXXX XX/XX/22 as they have falsely stated on my report.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (KY)

Credit Karma said that I was pre-approved for a credit card, which, after I applied, was denied as I didn't qualify. The resulting hard check on my credit history hurt my score, and of course, the application process wasted my time, as I was not in truth pre-approved.
Consumer complaint received 2022-04-01
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (OH)

excessive : billing cycle fee service fee principal interest rate current ytd fees and charges XXXX since XX/XX/2023 total current loan amt XXXX ( so i have paid over XXXX in fees in 3 months and almost nothing toward my balance ) I have contact customer service multiple times with no success. I have asked why total amount due increases despite having automatic payroll deductions. Multiple customer service rep have assured your total loaned does not increase, but minimal ( 1 % ) of your payment is applied toward principal due to fees. When I have reviewed statement balances the best a representative could tell me was " Oh, you are off billing cycles. '' Which makes no sense. I am paying over XXXX a month in payroll deductions and have paid nothing toward my balance and actually my balance has increased you can only call customer service to adjust payment in order to apply more toward your principle. However, it is difficult to get through, agents often ask you to call back or agree to return call when network is back up with no return call. You are unable to adjust your payment or make an additional payment online. When I tried to make an additional payment online I was charged an additional service fee. This was addressed with customer service and fee was reversed.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Me and my wife have been going through a divorce process. I found out that she added me to a credit card as a joint user and she claimed on the divorce papers that I have been served to divide half of the debts which is not fair because I never authorized her to add me to credit cards or credit records including federal assistance. I would like to solve this with XXXX XXXX. I have even called XXXX to report that issue and that is still showing on my credit report/score. I would like all this removed including debts and credit report for the XXXX. I also don't have any knowledge if she is still using the card that's under my name.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (GA)

My information was fraudulently obtained to open an account with Chime. I received a XXXX XXXX card with an issued account number and routing number as well. I contacted the card company and my email address and phone number did not match the ones that were provided when the card was apparently applied for. The situation is being investigated by their fraud department.