davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (AL)

This company ABILITY RECOVERY SERVICES , LLC is reporting fraudulent inaccurate information for act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account and so other documents so that i can review to see if this debt actually belongs to me. I am requesting that this account is removed from my credit report.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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 U.S.C 1681. 
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 Type : XXXX XXXX XXXX Status : Discharged Date Filed/Reported:XXXX Reference # XXXX Closing Date:XX/XX/XXXX Asset Amount : {$0.00} Court : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Liability : {$0.00} Exempt Amount : {$0.00} 15 USC 1681 section 602 A. states i have the right to privacy.

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

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report agency XXXX 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 USC 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 2022-04-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

My grandfather used to Bank with XXXX XXXX XXXXXXXX as well as chase bank also known as Washington mutual. he had some IRAs there a XXXX XXXX XXXXXXXX and some stuff in XXXX XXXX I just now found out that XXXX XXXX had an account I couldnt access. my family refused to tell me about my stocks and bonds, negligence of fraudulent behavior.now XXXX finding out about all of these. about how much can be in there and out there and just been trying to straighten all this out. I want to live. Please contact My number at ( XXXX ) XXXX. Id like to be able to get money out, if you will let me, I can manage money, I cant manage liars. I need. XXXX XXXX XXXX is one of the ones I want to withdrawal XXXX $ for a house, or XXXX $
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried to lock/freeze my credit reports with TransUnion in XXXX of 2021. I signed up for an account on TransUnion 's website to lock my credit report. Their website advertised free locking of credit reports. During the sign up process, I was asked to provide my credit card information, which I assumed was part of TransUnion 's verification process. 

TransUnion covertly subscribed me to their paid credit monitoring service. There was no clear indication that I would be signing up for this service. I did not receive any clear notice that I would be paying a monthly fee to TransUnion. I wanted to freeze/lock my credit report, which should have been available to me for free. I did not make any use of their paid credit monitoring service features. 

I was charged XXXX by TransUnion twice, first on XXXX XX/XX/2021 and then again on XXXX XX/XX/2021 before I recognized the new charges on my credit card and called in to talk to their customer support representatives. I was able to get the service canceled on their end but could not get a refund. 

TransUnion did provide a receipt to me via email on XXXX XX/XX/2021. However, they had sent me 5 emails on that day and I missed the receipt. My contention is that their sign up process for free locking/freezing of your credit port makes you sign up for their paid credit monitoring service and there was no clear checkout page, order confirmation page or anything that would be the norm for online checkouts that would indicate such a transaction has taken place.
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (SC)

I received calls from Medical Data Inc. stating I owed a debt of {$2300.00}. I requested a breakdown of service and fees including collections and medical charges. 
In addition, provide a copy of my signature with the provider of service to release my medical information to Medical Data Systems , Inc. with no success in validation. I sent out letters requesting validation of debt to Medical Data Inc. in writing XX/XX/2022.
Consumer complaint received 2022-03-31
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 victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX} which according to Experian was opened on XX/XX/XXXX. Also, XXXX  in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

In XXXX of XXXX I switched phone companies because I was continuing to have issues w the billing. I closed the account but found out 2 months later that the employee there was issuing phones on closed accounts and before you know it you have a XXXX bill for a phone you dont have. Then 6 months later I find out that there is a loan out for a mower that a business a city away leased allegedly to me. I go to the business and speak w the owner who says someone who looks like me but def not me came in with a man that was not my fianc this person was over XXXX '' taller and long hair they proceeded to issue this loan with out the physical ID present they " used a copy ''. I never once received a call to clear the fraud alert on my credit as there has been an extended freeze added in XXXX as this has unfortunately has happened in the past. I requested 3 times in writing for Truist bank to turn over any and all documents related to this debt so that I may continue to pursue legal action which they failed to do so. They reported this account for months causing me to loose the funding for my home and now my children and I are displaced. The company failed to send any of the documentation requested and violated my right to even attempt to resolve the debt. This company should be held accountable for not following guidelines to resolve debt and issuing lines of credit/loans without completing Due diligence
Consumer complaint received 2022-04-18
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I went to the Bank Of America ATM to make a cash deposit of {$250.00} then I transferred {$60.00} from my chase account to my Bank of America account next I attempted to withdraw {$300.00} I was denied access of the withdrawal the ATM displayed that this machine is malfunctioning to contact the ATM department. Once I called the ATM department to verify my Identity I was then able to receive my {$300.00}. The Remaining balance was {$10.00} that I transferred back into my chase account. The next day XX/XX/2022 my account was on hold/freeze I went back to that branch of the ATM I had used and spoke with the Branch manager who confirmed that the ATM machine I used have been malfunctioning and experiencing issues and they have put in a work order for it. I contacted Risk and Closure throughout the following days and they stated my account was under review I explained the situation and I was given a date of closure XX/XX/XXXX. XX/XX/XXXX passed I call to insure the closure date and it has moved to XX/XX/XXXX on here it is XX/XX/XXXX I called to confirm the account is closed and my distribution of my funds but instead was told my closure date has been pushed once again to XX/XX/XXXX. Since XX/XX/2022 I have went to XXXX Bank of America XXXX including the one I originally opened my account with they refused to assist me an in any manner that I must wait on a check. I have requested the release of my funds 3 times and have been denied due to still ongoing investigation to no fault of my own for a ATM issue. I have been denied any request or assistance from the bank and department to my account I need access to my funds ASAP as I have bills past due and kids who need medical care.
Consumer complaint received 2022-03-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (TX)

I called Santander at the end of XX/XX/2022. I called to get extension for XXXX and XXXX the lady I spoke with stated that I was able to get the extension and I would pay XX/XX/2022. I logged on my account and seen I had a balance for XXXX so I called and was told that there was no extension and I wasnt approved per the notes that the representative I spoke with documented. I requested that the call be pulled and listened to. I spoke with a man he said he would the XXXX and for me to call back at XXXX so I called back and I spoke with a lady she had no idea what I was talking about and said she knows that the will not pull a call from XXXX. At this point Im even more upset because of all the miss communication and lies that Im being told. Finally she sent me to the exceutive offIce and I spoke with a guy name XXXX XXXX Id # XXXX he tried to get knowledge of what was going on and said he didnt show any records of anyone pulling the call and he would personally listen to the call and call me back. I had several panic attacks because at this point dont know who to trust my account has an outstanding balance and I cant afford to get me car reposed for someone lying to me and thats not far to me as a customer that they would allow that to go one. I had to wait all weekend stressing and worrying about this guy calling me back. I received a call from a guy named XXXX id # XXXX he also stated he was with the executive office and he listen to the call.. I asked why he was calling me and not the guy I originally spoke with because he told me he would personally call me back and didnt. Thats poor customer treatment and Im even more upset because now I have to explain this situation over and he said he listened to the call and yes I was mislead by the representative and they gave her a coaching. Im like is that it????? She lied to me and falsified documentation that reflected that she had a whole conversation with me that I had no idea about. Now Im stuck with this outstanding amount and all he can say is he understands and still tried to collect the balance I didnt have now Im in jeopardy of losing my cat and nothing has been done. I filed a complaint with the attorney general and now Cfpb and Im looking to sue because this is unfair and deceptive practices. I need help and I cant get anything done on my own. No one has ever reached out to me since that day and I need this resolved. I cant afford anything extra and its is causing me a great deal of stress and my XXXX  is out of control. Please help me. It had even damaged my credit badly all because someone lied to me. If I would have know I would have done my best to get a payment in at the time. I had Covid back to back. I cant get help from family the struggling just like I am. I
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

XXXX. Starting working with a licensed plumbing company, made me pay upfront for services. It was {$300.00} and I paid on my chase sapphire reserve card which is not canceled due to this issue. 
XXXX. Did not deliver service requested and was sending threats against me and my house XXXX. Disputed with Chase and included all evidence XXXX. Chase did not resolve the claim despite lack of delivery of service and threats. 
XXXX. Tried to work with chase but they have a process where when you call in you get someone who can not help you and your call goes nowhere. They bounce you from customer service agent to customer service agent all of who claim they are the wrong department and then they put you on hold for 40 minutes or longer. 
XXXX. They had sent something to my other house that I would need to physically mail a response to by a due date and I missed it as I did not have access. They have an online portal but would not let me use it. 

Really disappointed with chase. They are always doing something shady.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is currently reporting inaccurate information on my credit file. this is a violation in pursuant to FCRA USC 1681 ( 5 ) ( i ) .TREATMENT OF INACCURATE OR UNVERIVIABLE INFORMATION ( A ) IN GENERAL : If, after ANY REINVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED the consumer reporting agency shall- ( i ) promptly delete that item of information as appropriate, based on the results of the reinvestigation. I have notified TransUnion i have directly contacted XXXX XXXX via USPS certified mail requesting VALIDATION OF DEBT. ( see enclosed letters to XXXX XXXX dated XXXX XXXX, XXXX, XXXX, XX/XX/2021 ). XXXX XXXX never provided VALIDATION OF DEBT as in accordance to the FCPA and the Administrative Procedure Act. In addition XXXX XXXX Acct XXXX payment history is being reported with different payment history to TransUnion than XXXX XXXX On my TranUnion credit file there are ( figures and codes ). On XXXX credit file is states ( No Data Available ) on credit report. These inaccuracies are damaging my credit. These violations are causing financial, and emotional damage. Futhermore TransUnion is currently reporting a fraudulent inquiry from XXXX XXXX
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank offered {$500.00} with some conditions for anyone who opened a qualifying checking account. A week after my account ( as well as many others ) had opened their account, we all received an email stating that we did not meet the criteria for the bonus and that we would not be eligible to receive it. The web portal they directed to stated the reason for why I did not qualify was because " the checking account was closed before qualifications were met. '' I did not initiate the account closing, nor did any of the others. Truist on its own decided to close everyone 's accounts during the promo period effectively breaking its own terms & conditions of the offer. I as well as many others had to fund the account with at least {$50.00}, some have funded much more than that, not to mention the time and effort that everyone had already spent. Wait times to speak to a representative are over 60 minutes and many people are saying they've been waiting for 2.5 hours or more. They are also deleting tweets regarding the matter on their XXXX account.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Dear XXXX XXXXXXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report.

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, TransUnions LLC, XXXX XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.
Consumer complaint received 2022-01-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (WA)

I the consumer and original creditor entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021 in which a finance charge took place ( # XXXX ) for {$58000.00}. This finance charge did not include the sum of all charges because I am billed every month for car insurance and was also forced to make a down payment which is also illegal and a clear violation of usc 15 code 1605 as stated by Congress. 

Navy Federal also failed to disclose my right to recission which or promissory note which violates usc 15 1635. I exercise my right to cease and desist pursuant use 15 1692c As the consumer I would like to request the name and address of the ORIGINAL creditor pursuant 15 usc 1692g ( b ). 

Navy Federal Credit Union shall cease collection of this alleged debt, or any disputed portion thereof until Navy Federal Credit Union : Obtains verification of the " alleged debt, '' verification of the name and address of the original creditor, and a copy of such verification is mailed to me by NAVY FEDERAL CREDIT UNION. 

This in NOT a request for " verification '' or proof, but a request for VALIDATION made pursuant to the above-named Title Section by LAW. 

Navy Federal is criminally ( usc 15 1693 ) and civilly ( usc 1611,1640 ) liable for double the amount financed and are liable to each FDCPA violation. Due to their unfairness and vital role in illegal activities, this has caused damage to my reputation and character. I am seeking remedy and would like to remit payments on all violations and illegal activities! I am also demanding that this " alleged debt '' be removed from all XXXX of my credit reports as it show inaccurate and untrue information that I never gave them permission to give away ( another violation ), By LAW, I am entitled to privacy. 

I will not hesitate to bring legal action against you and your client for violating the FCRA, FDCPA, TILA, and for Defamation of Character. If any accounts are frozen or closed for exercising my rights as a consumer and original creditor I will hesitate to bring legal action against you and/or your clients for violation of the FCRA, FDCPA, TILA, and for Defamation of Character. 

I require no more than 30 days to investigate this information, during which time all collection activity must cease and desist.