davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date they have not responded. 

Because of incorrectly reported data, I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ), account. I am unsure of the accuracy of the XXXX of {$7800.00}, that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. In addition to that, I request from you to verify the Date Opened, Date of Status and First Reported for this account. 

I require that you verify the account identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$990.00} ) because your reporting represents the information incorrectly. The Balance of {$990.00}, reported by you is inaccurate, because I believe it should be a lower amount. Moreover, the Past Due amount shouldn't be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that this account is not held against my credit standing. Also, I require that you verify the Date Opened, Date of Status and First Reported. 

The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1900.00} ) needs to be examined due to incorrect reporting. The Balance of {$1900.00} that you report seems to be higher than the Balance that I remember. Your agency presented this account as closed, so the Past Due amount is not supposed to be provided for this account. I think it may be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such course of action, but I need your agency to report the account as a disputed while I'll be trying to find a solution. 

The following account is not mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$360.00} ). Please remove it from my credit report.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I used my Chase debit card to book a hotel room through XXXX. The hotel double charged me, so I disputed the claim with Chase Bank the very next day. Over a month later and after several phone calls, both charges posted to my account. My claim was denied even though I can prove without a doubt that the original payment went through. I saved my receipts. 

Today was the last straw when I called the Chase Bank customer service line, only to be hung up on when I tried to further dispute the second charge. The second charge caused me to overdraft my bank account unnecessarily yet Chase Bank does not care about my lost money. I have tried to remedy this situation through multiple phone calls to their claims department but there is no excuse for being hung up on so many times. This is unacceptable and they have left me no choice but to file this complaint in order to get back the money that was stolen from me. I have all my receipts for proof. This should have been an extremely easy process on their end.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITY NATIONAL BANK (NJ)

This is a complaint in regards to TRIP ID - XXXX I booked this trip using points ( see attached ), and its supposed to pay for the full fare. 

Shortly after I booked the trip, I went to the airline 's website, to buy seats and bags. 

For some odd reason, the airline did not receive the payment from CNB and proceeded to charge me XXXX  dollars which is the TOTAL charge for FLIGHT FARE + BAGS + SEATS ( see attached ). 

This means that the points I used did not go through, but CNB did not refund me the points. I have tried to reason with the XXXX and CNB, no one is taking responsibility. I can clearly see that XXXX  charged me the full fare + add ons on my credit card. unless CNB can produce documentation on they have made payments to XXXX, I would like my points back.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX  Opened XX/XX/XXXX Open balance {$270.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX Opened XX/XX/XXXX XXXX balance {$270.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC (GA)

Certegy continues to try to collect on a debt that is not owed. This is my final complaint before I contact my Attorney on Tuesday and file suit against them, their collections department, and XXXX. I have already contacted XXXX and was assured that the issue was handled and that Certegy would be contacted. Apparently this hasn't happened. I am attaching an email that was sent about 2 months ago and the response from XXXX XXXX CEO Office. Certegy states that they investigated a matter ... they haven't, because I am not going to provide a DL Number or any other information to help them verify something that they should not already have. I have already stated on a recorded line that the DL number and SSN is not mine. That is more than enough. On behalf of the FDCPA, I have grounds to sue because it is on them to prove that this debt belongs to me, which it does not. They have not done so and the burden is on them to prove that with the information provided, which they have not done so. I do not owe anyone any money. I am not giving my personal information while they continue to have security breaches. The next person that they will hear from is my attorney if this isn't resolved asap.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXXXX/XX/XXXX - - Inquiry In Dispute Derogatory Items Derogatory Items : 1 Account Name XXXX TransUnion XXXX Issue Action XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ).

In Dispute I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist
Consumer complaint received 2022-04-25
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-09
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: Professional Recovery, Inc. (IN)

On the date of XX/XX/2020, Professional Recovery Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and claim that it is mine. According to the FCRA, Professional Recovery Inc. has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've had my Capital One accounts for a good amount of time. Considering that there are no Capital One Bank in my general area, I would make mobile checks deposits when able and use XXXX for most other deposits. I would give funds to my family member who would then XXXX those funds into my account for me. It was the most convenient option. In addition I kept getting repeated charges from two different places so I called in to order a new card. The representative looked into my account and stated it suspicious to have so many XXXX transfer and for using more than one device to log into my account. I use my personal phone, laptop, and work phone to check my balance. Apparently that's not allowed but not stated in terms and conditions. I was also told I could never do business with them ever again.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one account have 2 late payments reporting and I've never been late on any of my capital one accounts and I have 4. It is showing XX/XX/2018 and XX/XX/2018. I need these late payments removed immediately because it is inaccurate and I've spoken to them and they would not remove it.
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (VA)

On XX/XX/XXXX I pull my credit report and found out that RMP LLC : ORIGINAL CREDITOR : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The RMP LLC, did not response with in 30 days. By not replying in timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of XXXX, XXXX XXXX, No. XXXX, XXXX XXXX XXXX XXXX. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in XXXX XXXX XXXX XXXX XXXX, No.XXXX XXXX XXXX. XXXX XXXX, XXXX ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Consumer complaint received 2021-01-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union was sent a letter back on XX/XX/2020 regarding unauthorized accounts being reported on my credit report. It has now been 67 days and there has been no communication to me regarding the removal of these inaccurate accounts. According to 15 USC 1692 D this is harassment and extremely harmful to my reputation, 15 USC 1692 E, false and misleading to continue to report these unauthorized accounts against my credit report, 15 USC 1692 F demonstrating unfair practices towards me, a clear violation of my consumer privacy rights ( 15 USC 1681 A ( 4 ) ). Also, pursuant to 15 USC 1681 A ( 2 ) ( iii ) As a consumer I have the right to deny anything being reported and I did not provide written consent to place these unauthorized accounts in it, this is also a clear violation of 15 USC 1681 B ( 2 ) ( A ) as I am a victim of identity theft ( 15 USC 1681 C 2 ).
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates. 
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. 

( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt. 
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA. 
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXX  Account Have been split between two debt buyers ' companies who are affiliates with one another. 
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates. 
with different reporting. 
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the fair credit reporting act : XXXX XXXX  XXXX  acct # 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 XXXXXXXX XXXX. acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602A states, I have the rights to privacy.

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2022-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Coaf XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.