davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (CA)

I received letters from LVNV Funding LLC regarding alleged credit card debt ( s ) owed that they wanted me to pay. I replied with letters I set to LVNV Funding LLC asking them to please document and verify the alleged debt. The letters I sent included multiple requests to verify the debt such as Furnish a copy of the original contract as well as the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. LVNV Funding LLC never verified this alleged debt. Would you please investigate this? Disputing the debt.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Hello, I am writing in to submit a complaint on the record that I, XXXX XXXX XXXX, logged into my American Express Account Portal at approximately XXXX PST today, Friday, XXXX, XXXX, 2020, at which point I opened the customer service chat and started copying my chat history for recordkeeping purposes. However, before going and copying my chat log, I sent a preemptive message to the representative that Amex 's syaytem ( for which each automatic action has the possibility of human intervention and constitutes a count of criminal and civil harassment ) automatically connected me to ( despite my previously expressed desire vis -- vis official written and verbal affidavits that they not connect me to these people in the first place ), letting him ( the rep ) know that any messages and/or attempted communications form him and/or other reps would be considered civil and criminal harassment. I repeated this statement ; and, this gentleman continued to engage me, even going as far as sending a passive aggressive message and immediately ending the conversation directly thereafter, so that he could have the last word. This is the type of pettiness that I encounter from Amex 's employees on a daily basis. 

Please see the attached proof, as well as the XXXX documentation verifying my communication limitations and need for special accommodations when I am under increased states of stress, particularly when there is a once-in-a-millenium pandemic occurring and corrupt financial institutions falsely reporting my debt. 
Please keep in minds that : the only reason I currently need these accommodation is because of Amex 's continued legal malfeasance ; and, the reason I can not get them is also due to Amex 's continued legal malfeasance ( and their refusal to listen to the basic facts present in a situation - if a person tells you they dont want to hear from you, especially vis -- vis sworn statements, that means do not message me in any form - this is the legal definition of a cease and desist, and you violated that many times in the past few months, not just today ). This will count as additional intangible compensatory damages, loss of consortium, harassment, and negligence/breach of contract, and I will make attempt to make criminal charges stick wherever they are appropriate. Please also reference the past chat logs that I have recovered and have attached to this complaint. These logs contain many records of these instances of abuse, neglect, refusal to provide reasonable accommodations, and many other acts of malfeasance.
Consumer complaint received 2024-07-04
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-05-31
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)

SOMEONE STOLE MY IDENTITY AND OPEN UP SOME ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX I purchased a mattress online because the company ( XXXX XXXX ) stated they were working during COVID and described the handling process and also advertised same day delivery. The amount of this purchase was XXXX. Within 30 seconds of the purchase the money was taken out of my account but I didn't get a receipt. When the receipt was not provided 24 hours later I called the customer service line and received a recorded message that the company request you email versus call and that a response would be provided within 24 hours. I emailed the company but did not receive a response. I then called B of A to complain that the company fraudulently took my money and that I needed to be reimbursed, the representative implied that would be the case and opened a claim. I was not reimbursed and in fact the bank has still not responded to my numerous calls. I have received a receipt form XXXX XXXX   showing the money was returned to B of A on XX/XX/XXXX. I called BofA that day and provided them this information on the refund and requested these funds be deposited in my account immediately. Rather than reimburse me they sent a letter stating they closed the claim because it was duplicate. I still do not have the money and am now in a situation were it may cause an account withdrawal due to auto pays but at the very least has caused me not to buy groceries this month. Name XXXX XXXX Claims IDs XXXX and XXXX
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have received XXXX cards issued by Bank of America, a XXXX XXXX XXXX XXXX in XX/XX/2022 and a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. These cards were in my name and already reported to the credit agencies. I did not apply for either card. I was able to successfully cancel both cards after a lengthy process of calling about both. The phone numbers on both to contact them were the same XXXX. I dont believe this was done by a scammer because both cards came directly to me and were not used. I do not own an all use credit card other than the one from my bank. The cards have affected my credit scores when I have them cancelled, even though I have never used them. When I call to have them removed the person I talk to is not able to tell me how or why these cards were issued or how I can prevent this from happening again. They told me I would be issued a letter ( form letter ) that is generated to everyone and not to a specific complaint that it is resolved. I am reaching out to this agency to help me prevent this from happening again.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc. (FL)

XXXX XXXX XXXX -NCTUE XXXX. XXXX XXXX XXXX, GA   XXXX XXXX XXXX XXXX On Saturday, XXXX, XXXX, NCTUE, knowingly Committed 4 different violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

This admission is attached to this complaint with the following confirmation numbers : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX acct # XXXX is reporting the debt after 7 years. 

On Sunday, XX/XX/2020, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, XXXX XXXX XXXX XXXX, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. 

I demand that NCTUE remove this inaccurate formation off my credit report immediately.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I have a new car loan with XXXX XXXX XXXX. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, XXXX WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.
Consumer complaint received 2023-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (CA)

THIS DEBT COLLECTOR GOT MY INFO WITHOUT MY CONSENT AND OPENED A ACCOUNT IN MY NAME. 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 ALITIGATING 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. ALL IS BEING INVESTIGATED BY THE FTC
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: EQUIFAX, INC. (IL)

It appears that my complaints # XXXX, XXXX, and XXXX that I submitted on XX/XX/XXXX was closed when I checked it. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX 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 2020-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent transunion a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/XXXX.
Consumer complaint received 2020-06-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent XXXX a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX  XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/XXXX.
Consumer complaint received 2020-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I requested a copy of contract with signature from AD Astra Recovery Services Inc.. Copy declined to comply with request. 

Also, requested a copy of contract with my signature via the 3 credit bureau agencies. No reply or response.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am not receiving verification of payments made, even though I have repeatedly requested such documentation. I continue to make my payments on time. The payments cleared my bank account. I have since close my account, but I have not received written verification. I would like to pay off this account. However, these basic requirements need to be met first.
Consumer complaint received 2022-07-21
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. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and TransUnion Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal XXXXXXXX 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 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. I noticed om the contract that too manypayments were listed on the contract. I contacted the dealership and told them and they told me to bring the car back to sign a new contract. When I arrived they told me that my {$600.00} down payment was not enough and that I had to put down an additional {$600.00} and that I needed to sign additional documents. I refused and gave them the vehicle back. 
The car was not reporting on my credit at that time. 
2 weeks later, I received an alert displaying a new account from XXXX XXXX with a {$12000.00} debt. 
My down payment was not returned by the dealership although I returned the car within 5 days. 
Now this new auto loan is displaying on my credit report which is preventing me from obtaining an auto loan as well as a loan for a home. 

I have sent a cease and desist letter to the dealership ( which has been ignored ) as well as contacted the Illinois Stated Attorney. 
I have disputed this account with all 3 credit bureaus and this account still has not been removed.

I am at my wits end!!! 
Please help
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested Validation of Debt for the following accounts : XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX responded back and stayed they would not investigate because the compliant was not completed by myself, which not true. This a stall tactic they are using and not conducting the investigation. How can they say it was not ME whom submitted the compliant?
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

On Friday, XX/XX/XXXX between XXXX and XXXX XXXX I went to the bank and withdrew {$3000.00} from my XXXX XXXX business account to pay myself at Truist my personal account which is right across XXXX XXXX. While at the atm location XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX # XXXX I was trying to deposit my {$3000.00} into the machine however, the machine accepted the bills until the screen read ERROR and it prompted to dispense the bills back to me because the transaction was not complete. The machine then behaved as if it would return the bills it did NOT. I left my card in the machine and put my car in park while I entered the inside of the bank. I told the banker inside my money was never dispensed back to me so I could complete my transaction after the screen read ERROR. The banker followed me outside to the atm where my car was still parked in front on the machine. He observed the machine was not following any prompts and told me there was nothing he could do since the manger was not on duty that day. He gave me the number to call Truist customer service and file a complaint. I spoke with a representative while I still sat in front on the machine in my car. After explaining the issue that occurred the representative told me a provisional credit would be applied to my account. The representative filed my claim and told me they would investigate the claim number XXXX. I waited to hear from someone from Truist regarding my claim until I called XX/XX/XXXX at XXXX. I was told my claim was denied however, I did not received anything in writing. I was then directed to speak with the supervisor of centralized fraud department XXXX she again stated my claim was denied and they can not reopen the case. She said she would file another complaint with the department on my behalf and request a analyst call me about their findings during their investigation. Complaint number XXXX.
Consumer complaint received 2022-07-14
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)

in accordance with the Fair Credit Reporting act, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXXXXXX 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 XXXXXXXX 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