davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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. (MD)

After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked.

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX  {$530.00} 7 ) XXXX XXXX {$410.00} 8 ) XXXX  XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX {$100.00} 12 ) XXXX XXXX {$57.00} 13 ) XXXX   XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX
Consumer complaint received 2019-05-29
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. (MD)

After receiving and going over my credit file, it's obvious that I been a victim of identity theft and the aftermath has seriously impacted my credit file. As I begin my own investigation into the matter, I would like to demand physical certified documentation from the 3 major credit reporting agencies inwhom is reporting such frivolous accounts inwhich as effected me and my livelihood. Also I'm requesting that the credit reporting agencies share with me the Method of Verification inwhich they will take in solidifying this issue. If not please block the following accounts from my credit file immediately as stated within the consumer laws of the FCRA. These are the accounts that needs to be blocked. 

1 ) XXXX XXXX XXXX {$4600.00} 2 ) XXXX XXXX XXXX {$990.00} 3 ) XXXX XXXX XXXX {$930.00} 4 ) XXXX XXXX {$670.00} 5 ) XXXX XXXX XXXX {$560.00} 6 ) XXXX XXXX {$530.00} 7 ) XXXX   XXXX {$410.00} 8 ) XXXX XXXX XXXX XXXX {$310.00} 9 ) XXXX XXXX {$230.00} 10 ) XXXX XXXX XXXX {$210.00} 11 ) XXXX XXXX {$100.00} 12 ) XXXX XXXX  {$57.00} 13 ) XXXX XXXX XXXX {$51.00} 14 ) XXXX XXXX XXXX  15 ) XXXX XXXX XXXXXXXX
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hi. I am submitting a complaint in regards to Capital Ones application process. I submitted an application for a card. I got a denial but it didn't seem like it processed. I called and spoke with a rep, but she was speaking from a script. I feel like I was denied because I have a 7 year extended fraud alert on my credit across all 3 bureaus. I would like someone to reprocess my application and verify my identity. There is no reason why I should have been denied.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & XXXX XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and  Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

I recently got a lawsuit filed from a company called lvnv funding. I have never even heard of this company. I filed a request with the court asking that lvnv prove the bill was valid. They simply ignored my request and ruled in favor of lvnv and are working towards collecting. I feel my privacy rights may have been violated as well as the court in XXXX XXXX Indiana violating my rights to a fair trial by ignoring my request for proof I owe this company. I tried to take a screenshot of the court records but it would not let me. 
My contact information is XXXX. 
My phone number is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2019-05-29
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: EQUIFAX, INC. (MO)

I'm constantly seeing inquiries on my credit file inwhich I have no knowledge of and for that reason alone I'm asking that they be removed from my credit file 1, XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX XXXX ( XXXX )
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I got a debt letter from IQ Data stating I owe money to XXXX   XXXX. I have attempted to contact XXXX XXXX, but they have not returned my emails, and I want all contact to be in writing. 

IQ data stated that XXXX XXXX did not have a forwarding address for bills. Which is false. Since I was moving out on a day they were closed they asked me to leave the key and forwarding address on kitchen counter which I did. I have attached email and picture of forwarding address on kitchen counter. 



XXXX XXXX XXXX XXXX XXXX   XXXX  They had my phone number as well as email and never attempted to contact me. Furthermore they charged for 3 months water bill which doesn't make sense since I have been paying water bill every month, and I would only expect the last months bill. Furthermore when I moved in they sold an eDeposit service where I pay XXXX dollar premium and edeposit service pays up for XXXX dollars when I moved out for any deposit owed. 

Here is the information for my policy which XXXX XXXX  told me sign up for. You can't sign up for an edeposit policy independently it has to be done through a participating complex which porterwood was : Thank you! The ePremium eDeposit security deposit insurance coverage has been purchased. 

This is not an insurance policy, but rather an EVIDENCE OF COVERAGE. Details explaining the security deposit insurance coverage being provided are presented below. 

Coverage Purchase Date : XX/XX/2015 Insurance Company Insurance Company : XXXX XXXX XXXX XXXX Customer Service : 1 (  XXXX ) XXXX Insurance Agent : XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX Coverage Details Assigned Coverage Number : XXXX Primary Resident : XXXX XXXX Additional Resident ( s ) : Insured Location : XXXX Fm XXXX XXXX XXXX, TX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact Phone # : ( XXXX ) XXXX Security Deposit Coverage Amount : {$400.00} For these reasons I believe XXXX XXXX   is not acting in good faith by not directly replying to me and using a Debt Collection agency. Therefore the Debt Collection agency needs to get the appropriate responses from apartment complex to verify validity of debt.
Consumer complaint received 2019-05-29
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 was looking at my credit to see what all I needed to do to qualify for a mortgage loan and noticed several accounts that I didn't recognize. So I pulled all 3 of my reports and saw multiple items across all 3. I knew I had to do something. So I decided to take action to get these items removed.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX/XXXX  XXXX, XXXX   XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (SC)

Receivable-Solutions INC was made aware on XX/XX/2019 that I disputed the validity of the medical debt they were attempting to collect. However, they refused to send the debt validation required by the Fair Debt Collection Practices Act. 
Further the party responsible for any debt was being negotiated between the doctor patient and insurance. Statute requires 180 days from the date of first delinquency before posting debts to credit burrows to allow for processing of insurance. This was not observed. 
Further the date of first delinquency reported to the credit agencies is inaccurate, and Receivable-Solutions was made aware of this. 
I ask the information be removed from my credit files. 
I have offered to pay Receivable-Solutions to remove the inaccurate information and have contacted them several times asking for validation of the debt and explained the inaccuracies. However they have been unwilling to provide me information or remove the misleading and inaccurate information from my record.
Consumer complaint received 2019-05-29
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX XXXX -
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Automatic Data Processing, Inc. (FL)

On XX/XX/2019 there were a total of 6 transactions made totaling over {$950.00}. I called ADP immediately after realizing my card had been compromised. They made notes in the computer and never closed the card or connected me to the dispute department which is where I get my money back. By the card not being locked additional transactions were made and the PRE PAID account is now over drafted. I have been on hold all day for hours at a time and while Im waiting to speak with a representative from the dispute department the call disconnects on its own. I can not afford to lose {$1000.00}. My rent is due and no one seems to care about being evicted because I trusted this financial institution with my money!
Consumer complaint received 2019-05-29
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a mortgage with a loan company which ended in late payments. The house was sold on a short sale in XX/XX/2016. 
Since, I have a car on which I pay {$570.00} a month. I have a credit card with almost {$5000.00} credit. 
I have not being late on my bills.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

Equifax is the only agency I havent been able to access and Im unable to access their system online. Im frozen out of their phone system and faxing/mail takes me back to an era Ive long forgotten. Im unable to do anything with my credit as long as Equifax fails is I work properly.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

An Amazon prime Chase Rewards was charged without my permission. I have a XXXX bank card as my primary on purchases through amazon.  About 6-8 months ago I applied to receive an instant {$50.00} amazon gift card during a purchase. Approximately XXXX I called the number on the back of credit card and paid off the purchase to a zero charge. 
On my prime amazon account, I carry 2 bank cards for purchase. My XXXX bank card is primary purchasing card. XXXX one day was verifying some purchases with me and I cleared them. However as I later learned Amazon kept the Chase card as the backup option and after my payment in full a purchase of {$43.00} was made in error without my permission it default to this card. I never receive any statement regarding this charge and its possible that it went into spam email as my emails are full of spam. 
I went to apply for a VA Loan with a credit score of XXXX and found a XXXX drop because I had a XXXX late on chase bank credit my score dropped to XXXX. First thing I have receive via mail was dated XX/XX/XXXX and arrived XX/XX/XXXX that I had a problem. Amazon agreed that it was there error for credit become default purchase card. I paid money owed and several fees however I was never notified and was not aware money owed and I am not get a resolution on my incorrect credit reporting and is now affecting my VA loan.
Consumer complaint received 2019-05-29
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. (OH)

There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.
Consumer complaint received 2019-05-29
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. (OH)

There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.
Consumer complaint received 2019-05-29
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX   XXXX XXXX ; XXXX XXXX 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 2021-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I completed all requirements for Citibank 's " Citi XXXX Account Package '' {$700.00} checking promotion, however I did not receive the advertised bonus. On XX/XX/21, I opened the account on their website via the promotion 's landing page. Eligibility confirmed by providing zip code. On XX/XX/21, I deposited {$51000.00}. Per the bank 's terms, I maintained a balance greater than {$50000.00} for 60 days ( XX/XX/21 to XX/XX/21 ). The {$700.00} bonus is supposed to post within 90 days of meeting those requirements per their terms. Thus, I am supposed to have received the bonus by today ( XX/XX/21 ). Additionally, I maintained a non-XXXX balance of {$25.00} in the linked savings account attached to the account. " The terms stated : " Earn {$700.00} when you open a new checking and savings account in the Citi XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$50000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. Maintain a minimum balance of {$50000.00} in your eligible linked checking and savings account for 60 days. ''
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

I made a deposit via PNC Bank 's mobile phone application on Friday, XX/XX/2019. I would have made the deposit at their ATM on XXXX XXXX in XXXX, but it was not accepting deposits. ( There was no explanation as to why. ) When I made the mobile deposit, around XXXX XXXX Central Time ( XXXX Eastern Time ), I received a confirmation screen that said my funds would be available on Saturday, XX/XX/2019. This screen also said that if I wanted access to those funds sooner, I could get access for a {$13.00} fee. 

On Saturday, XX/XX/XXXX, when I looked at my account information online, it claimed that my check would not be considered deposited until Tuesday, XX/XX/XXXX, meaning I can not access the funds until Wednesday, XX/XX/XXXX. So, either PNC Bank lied to me when I made the deposit, or they are lying to me now. When I called to try to resolve the issue, they claimed my deposit was made 2 minutes and 46 seconds after their cutoff of XXXX XXXX Eastern Time. If that is true, then WHY did the confirmation screen not tell me that? Also, I no longer have an option to pay a {$13.00} fee to access my funds - not that such a fee would be in any way fair, considering the circumstances. My educated guess is that I DID make the deposit BEFORE XXXX XXXX Eastern, but PNC 's database did not update for several minutes. THIS SHOULD NOT BE HELD AGAINST THEIR CLIENTS! 

I think it is also important to note that PMC Bank uses Eastern Time as the governing time ONLY when it benefits them. It is currently XXXX XXXX Central Time, XX/XX/2019 ( XXXX XXXX Eastern Time ), and my deposit is NOT available yet, even though it is now XX/XX/2019 in the Eastern Time Zone.
Consumer complaint received 2019-05-29
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. (OH)

There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not  accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.