davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX  XXXX XXXX account # XXXX XXXX. Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/year> Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation and Assignment Contract To Whom It May Concern, I am contacting you regarding the alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting validation of this debt. Please provide detailed documentation to verify the debt and your legal authority to collect it. 

Specifically, I am requesting the following : XXXX. The total amount of the debt, including all interest, fees, and other charges. 
XXXX. The name and address of the original creditor. 
XXXX. A detailed explanation of the transaction or agreement that created this debt. 
XXXX. Proof that you or your agency is authorized to collect on this debt, including. 
A copy of the assignment contract or other documentation that shows the debt was transferred to your agency for collection. 
Evidence that this debt is valid and enforceable under applicable laws Additionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is under dispute until validation is provided. 

Until the debt is fully validated, I request that all collection activities cease, including phone calls, letters, and any other forms of communication. I also ask that all future correspondence be conducted in writing.If you fail to provide the requested validation and documentation, I will consider this matter unresolved and take appropriate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within the legally required time frame. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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 2019-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (OK)

Chase has discontinued fraud protection by removing the ability to dispute unauthorized charges. Their online form is no longer available directing you to call, which then informs you that charges sometimes have " different labels '', but no options to dispute charges that are known to be fraudulent. This follows what I consider to be harassment by the " Fraud department '' that forced a new card number on me despite no problems with my previous number, only Chase 's refusal to send a new card upon expiration. Now I have a new credit card number that has been promptly compromised with no option to dispute.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (FL)

I used my Barclay carnival mastercard ( big mistake XXXX to pay for a speing break vacation in XXXX florida at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  through XXXX booking hotel website. for dates XXXX XXXX XXXX amount of XXXX. The hotel closed before my arrival dates due to XXXX closing reference COVID-19. the hotel was not open on my said dates and I had to cancel. I called XXXX who advised me to have hotel maingate call them to verify closing of hotel which I did but hotel said they never call companies ever the company can call them so I called company back and now they told me to submit a written request on chat which I did and all my requests were deleted I didn't get refund I called Barclay to file complaint after found a website claiming XXXX is a fraud and a scam-there is now articles all over news about them scamming people for money. Barclay will not help ie mailed the resident of Barclay who also stopped responding to ym emails- they did say they would investigate but came back and said XXXX disputed so wouldn't refund money than I got an email after that from president of XXXX saying yes I am due a refund of total amount back to my card I submitted that back to Barclay along with an email rfom hotel probing there were no charges for me on my folio since I didn't go and everytime I call Barclay to follow up they don't give m e info they say they still investigating they wont tell em anything or help me and presiden wont email me backj I have received no letter and its been past 45 days I want my refund back for XXXX other people in the scammed XXXX groupo are getting there money abck from their banks seems Barclay is the only credit card giving their customer issues
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had noticed that someone had hacked into my account and stole a total of {$4800.00} out of my account ( {$2000.00} on XX/XX/21, {$300.00} on XX/XX/21, {$2000.00} on XX/XX/21 and {$500.00} on XX/XX/21 as seen in document " Stolen Funds '' below ). I opened a dispute with the Bank of America Fraud Department 3 times, because they kept closing my claim, letting them know I was hacked, and we needed to do something to get the money back, and prosecute the thieves as that is grand theft, because my family was struggling financially and XXXX XXXX is a lot of money. Their fraud department ended up sending me a letter stating ( paraphrasing ) " we asked for the money back and they said no. Maybe you should ask for your money back directly from them? '' I had told them I was hacked and didn't know who stole my money. I was so angry with that response I ended up throwing the letter away. This was their response twice, and the third time I asked them to send me what information they used in their investigation to ensure this was a fraudulent situation. They ended up sending me a copy of my bank statement, the same one that gets emailed to me every month. They did nothing to investigate except " ask '' for the money back and when they were told no, did nothing else. They did not do their job to protect their customers and are very rude when you try to ask them questions that would help in the investigation like " who is the owner of the account that the funds were sent to? '' or " where was the person who hacked into my online account located when the funds were stolen? '' or even " what financial institution were my funds sent to? '' They have none of this information and don't intend to gain any of it. It has been about 7 months since my original complaint to them and they have failed to do anything to assist in us getting our money back. This complaint is my last effort.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I have disputed this One-Capital One-XXXX Regarding to a late payment that's reporting on my credit report this late payment has been deleted from my XXXX credit report but not remove from my XXXX credit report. I called XXXX directly, I was told Capital One never issued a reply as to removing the late payment from my XXXX credit report. This late payment has caused me to get denied for loans and lines of credit. Please remove the late payment for the month of XXXX immediately. I have proof showing its been updated to paid as agreed with XXXX. Once again I need this late payment removed immediately from my credit report this is causing my great financial harm. 

Capital One- Account # XXXX
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

I was scheduled to close on buying my first home in XX/XX/XXXX. XXXX found a defaulted student loan I was unaware of, and I am unable to purchase the home. I spoke with my loan servicer at that time who informed me that they had been sending letters and calling. I had not received any of these. I verified the mailing address. They had on record a Florida address. I live in XXXX. They had a XXXX phone number ; I am in XXXX. I was told the information was changed via phone. In XX/XX/XXXX, I notice a XXXX XXXX XXXX XXXXXXXX XXXX my credit report. My wife does a change of address request through USPS which confirms it did exist. This was the same address who was on my student loans. I requested my information from the student loan servicer and am sent somewhat helpful information which I lost while moving. I attempted to request a copy of the same information and am getting the runaround. I have called every company related to my loans, but they all tell me they sent my records with the consolidation. This happens with XXXX servicers. Finally, I talk to someone who reports to me that at that moment my address in their computers was the XXXX  address still. I ask them to leave the address as it is and request the documents and it seems as though this lady understood but I did not receive my documents. She told me to call Navient. So, I call Navient and request the records and I am denied. I find an email address to request records, and I am told I need a subpoena to receive a copy of my own personal records. I am working on obtaining a subpoena but do not feel like I should have to since I have received the information before and am only requesting a copy of that same information and it is for my own personal records.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (PA)

Equifax is not taking credit card fraud if XXXX CREDIT CARD for 8years now. They are putting every year psid once to make it look like it has been less then 7 years when the other 2 companies took it iff right awat as fraud. Now we are going on 8 years of fraud card on my credit report. Equifax is breaking the law. I want XXXX credit card for XXXX off my account and XXXX creditcard with late payments 4 years ago were ppaid on time. Both accounts need to be investigated by state and federal laws.
Consumer complaint received 2022-07-14
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. (GA)

I did not consent to, nor benefit from, or authorize any of the following accounts : XXXX XXXXXXXX XXXX {$21000.00} XXXX XXXX XXXX {$3000.00}
Consumer complaint received 2021-03-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am filing a complaint against the XXXX credit reporting agency. The case of the complaint is that the XXXX is continuing to post inaccurate accounts on my credit report. 
I stated that multiple accounts that are student loans and false credit card accounts are not my accounts, and identity theft reports from two law enforcement agencies were submitted. 

The fraudulent accounts are continuously being reported without the creditors or the XXXX  ever providing verifiable documents that the accounts were applied by me and used by me. They are accusing me of making a false statement without any shreds of evidence that I am. 

Both XXXX  and the creditors are in clear violation of FCRA.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perpay, Inc. (GA)

I never did business with this company : Perpay , INC .

RE : You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, i never gave you any written consent to report anything on my consumer report.

As a consumer by law, this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city or state.
Consumer complaint received 2021-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (VA)

I was alerted that my credit score decreased. I looked up the information at XXXX  and called Commonwealth Financial Systems on XX/XX/XXXX. They refused to verify the debt and said they had sent me a statement when they absolutely had not. As they refused to verify the debt, I asked for their license number and was then transferred to a manager who also refused to give me the license number to collect in Virginia and also refused to verify the debt. IOn XX/XX/XXXX, I sent out a certified letter requesting verification and have not had a response. Additionally, I have disputed the information with all 3 credit bureaus. In the meantime, Commonwealth Financial Systems flags my credit every single week, which I believe to be a retaliatory measure. Further, I have tried to contact the original debtor, XXXX XXXX of Virginia, and the company has no contact information other than an address ... no phone number, email, or webpage. As CFS refuses to verify the debt, I have no date of service, doctor, or any other way to confirm this debt on my own. I have no knowledge of this account and I don't recognize XXXX XXXX as ever being involved with my care.
Consumer complaint received 2019-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

I sent {$300.00} via Money Gram online to my son through my savings account. On my money gram account I'm showing that the money has been ready for pick-up since XX/XX/18. However, there is no confirmation # and the money can not be picked-up without one. I tried multiple times to work with both my bank and money gram to either acquire the confirmation # so my son could pick it up or have them return the $ to my account. There does not seem to be a resolution forth coming from either of the merchants and I was hoping your office would be able to step in and help me find a resolution in this matter. Thank you for you time. XXXX XXXX
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NC)

I opened an XXXX XXXX XXXX account through a third party for the bundled package. They somehow opened XXXX accounts on the same day ( one that nothing was done with, and the other that I still use to this day ). I then received the bill for the second account from XXXX XXXX XXXX XXXX and they saw the problem, and said that my account would be pulled back from the collection agency and then closed out with a XXXX balance. They clearly stated they saw the problem, and it was an error. A few months passed and I didn't get any bills from AFNI Collections. All of a sudden they have started again. I called XXXX XXXX XXXX XXXX again ANGRY, and gave them the account number that XXXX was trying to collect on. They said they couldn't find the account. I called XXXX and explained to them the situation, they told me to contact XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and was told that, " Yes, there was an error on their behalf, and the account was closed with a XXXX balance. '' I even gave them the account numbers that are showing on the AFNI Collection bill. They were still unable to locate the account.
Consumer complaint received 2019-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (NV)

I have been trying to resolve this for months! On XXXX19, I contacted the original creditor who found that this billing was handled through my Medicaid benefit and was involved in litigation. The original creditor contacted the debt collector who had the item removed from my XXXX  credit report but refuses to remove it from my XXXX  credit report. The debt collector insists that they can not remove the debt no matter what proof I offer up. XXXX   has supposedly investigated this item twice and also refuses to review my disputes thoroughly to find this error and correct it! I have never received a bill for any of this as the bills were sent to Medicaid and my attorney. Additionally, my attorney has attempted to get this resolved through the original creditor as well as the debt collector. This should not have been reported to collections and debt collection should not have been pursued.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm grateful that you made the effort to remove some of the records from my file that you said were obtained through identity theft, but I still need to remove a few more. According to FCRA section 605 of the law, any goods that were recognized on an ID THEFT REPORT were to be taken away. This report was previously attached to a letter, so I'm including it once more. My lawyer has been informed of my intentions, and they are eager to hold you accountable for your willful disregard for the law. 
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Consumer complaint received 2023-05-24
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXX XXXX
Consumer complaint received 2021-06-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have an account in collection for XXXX XXXX hospital in XXXX California that's affecting my credit. I do not recognize this account and I believe this is a fraudulent account due to identity theft. I do not live in California I live in Nevada. I moved several years ago but during that time I had my vehicle stolen which I did report to the police. I had my personal belongings in the vehicle at the time it was stolen because I was packed up to move. Unfortunately my ID, birth certificate and other important confidential documents were in the vehicle. This has been a nightmare because I have had to closely monitor my credit report and dispute several items already.