davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
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. (HI)

My information was sold and illegally because I was a victim of the XXXX data breach. I want these items Deleted from my Credit Reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Collector : XXXX XXXX XXXX Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. 
supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 

While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 

Thank you for your time and cooperation. 
XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC (MD)

I received a collection originating from XXXX XXXX by way of Aldous & Associates for {$100.00}. I travelled to XXXX  to visit family and requested a 1 month membership which somehow became a rolling membership. When I left XXXX  after 2 weeks I received no correspondence alerting me that the membership was still running. Before leaving, I went to the gym ( in XXXX XXXX  that I was actually an employee at when the gym first opened years ago ) and requested to cancel my membership. To which I was told it would be processed by management the following day. Even knowing that I attempted to cancel my membership, I still paid the collection in hopes that I would have the blemish removed from my credit. As of today, it has been over one month since I paid the balance in full, but I still have this collection on my report that was caused by miscommunication. The blemish is to remain for 7 years & I even attempted to contact XXXX XXXX  directly so I could avoid this, but to this day, I have not yet found a number. At this point, Im requesting that XXXX reach out to their collection agency ( Aldous & Associates ) and terminate the debt or whatever needs to be said for them to remove it. XXXX  memberships should not be set up to mess peoples lives up financially for years and as a former employee, it feels downright predatory. This is my final ask for some sort of assistance from XXXX to remove this collection which has brought my credit down over XXXX points and caused cancellation of my credit cards due to a subprime score. At the very least, the gym should work with collection agencies that terminate the debt and delete following payment. My score has not recovered even after paying because the negative remark is still there. There is a law forcing reports to be accurate if reported but there is no law stating that they must report.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (CA)

I'm concerned about an unfamiliar inquiry appearing on my credit report. I didnt authorize or give permission for this company to access my information nor have applied to them, and Im trying to understand how and why it happened. This situation is causing me significant stress and XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX This account was set up fraudulently. I called the company multiple times, but they were unable to verify my correct SSN, email address and phone number used to establish the account. The company said someone would be in touch within 30 days, no response. Contacted the company multiple times to dispute account with no response and no live customer service rep to speak with.
Consumer complaint received 2023-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I was trying to close my account on the citi website. 
My complaint is that are deliberately making it very difficult to do so, hiding the options to do so, providing misleading information for how to do so, then forcing the consumer into a marketing/retention call. 

I went to the app, no ability to cancel. 
I went to the website, no ability to cancel. 
I opened the chat feature, asked to cancel, and it send me to phone support I called phone support and was put on hold for XXXX minutes. 
After being on hold, a person answered and asked me what i wanted, I said to close my account, and they said they had to transfer me. I asked not to be transferred and they refused. 
While waiting on hold I put my close account request into the chatbot again, and it said ( this time ) it could connect me to a rep. 
The rep connected and " reviewed '' my account, then asked the reason for my cancellation, which i told her ( didn't want to pay the annual fee ), then she told me i had to go through the voice system. 
Around this time, I was connected to the " account specialist '', I asked this person at least XXXX times " Please close my account '', and they would not refuse, but would not comply, instead trying to get through their retention scripts. 

This is abusive behavior, this is friction deliberately put into the system to discourage people from cancelling the card, and I think companies should be forced to allow cancellations to be done at least as easily as signups.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to resolve this matter. 

ACCOUNTS : ( 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  ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the prompt removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Consumer complaint received 2023-11-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was sent letters from all 3 credit bureaus stating there was nothing they can do until they receive identification from me drivers license, proof of address and social security card. These items I had included with my Identity Theft report. I have attached documents submitted to the credit bureaus.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (MS)

I am writing to dispute the validity of the debt associated with Ability Recovery Services. I recently became aware of this collection entry on my credit report, and I believe there may be errors or inaccuracies in the reporting. 

I am formally requesting that Ability Recovery Services provide me with the following information : 1. Verification of the debt, including the amount owed.

2. Copies of any documents proving that I am legally obligated to pay this debt.

3. Details of the original creditor and their contact information. 

I also request that you provide me with a written statement confirming that the debt is not being reported to any credit bureaus during the investigation period. 

Please note that, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt and request verification. I expect Ability Recovery Services to comply with this request within 30 days. 

If you are unable to provide the requested information, I demand that you remove the collection entry from my credit report promptly. 

Your cooperation in resolving this matter is appreciated. I look forward to your prompt response.
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (WA)

I have tried for the last couple of weeks to call and make payment via the automated system like I always do. 
I noticed that even the usual automated voice greeting was not the same and the automated voice claimed that they did not have any of my information. ( Usually am identified by my phone number ) I was immediately suspicious but the System had the option of holding for customer service rep. I held for over an hour and gave up. 
I've attempted to do the same for over 2 weeks and decided to XXXX if Loancare were having issues. 

Information available on internet says Loancare had security breach and class action Law suit. 
Whatever the issue they have, priority should be their communication with their customers. So right now, there's no communication from Loancare and no way if we are even calling a secure line in view of the security breach. 
This is unacceptable and stressful because we don't know if they are going to turn around and charge late fees or issue foreclosure notices for unpaid accounts. 
Tomorrow is the last day of XXXX and still no email or letter communicating on the issue or directing how I need to proceed with payments This is UNACCEPTABLE and SEC needs to take over this process and resolve it
Consumer complaint received 2023-11-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (CO)

Was paid by a customer for a deposit on home for renovations. The deposit was placed on a hold and I was told that it exceeds the maximum amount of money incoming capped out at {$500.00} for a month for a business which is absurd and refuses to release the money to make available to satisfy not only the customer but my needs as a business owner. This particular company is PayPal and offers no solutions other than I have to wait 21 days to get money that I need immediately to satisfy the customer and get materials to help with a service not goods. The customer service rep and their help site only says to provide tracking information which is not necessary considering I offer services not good. This puts me at risk for legal action from the customer and also future customers of PayPal
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My information was marketed and sold to unknown individuals or entities during XXXX data breach. I was in confinement in jail from XXXX XXXX to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that XXXX acknowledges that I was a victim of their data breach. I have disputed items several times and XXXX has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that XXXX has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the fair credit reporting act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681. 
The accounts below have violated my rights 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 15 usc 1681 SECTION 602 A states I have a right to privacy 15 USC 1681 SECTION 604 A SECTION 4 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681s-2A ( 1 ) A person can not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 usc 168c ( a ) ( 5 ) section states : No consumer agency may make any consumer report containing any of the following items of information, any other adverse information other than criminal records and convictions of crimes which antedates the report for more than 7 years.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I am a Chase Sapphire CM. A few days ago I tried to complete a wire transfer that got cancelled by my bank ( Chase ), I called in to request the reason, they advised me that they were likely having a system issue and I should try again in a few hours. I tried the next day and again the wire was cancelled, after calling again I was told that my account has a restriction notice and will be cancelled, when I asked for the reason they told me that is confidential info and will not tell me! I've been on the phone with them today for over 1 hour talking to all sorts of departments and no one can tell me what's going on, eventually one of the supervisors I was talking to placed me on hold and disconnected the call. 
I have been a customer for close to 20 years and have NEVER had a problem. I keep appropriate amounts of funds, I have other Chase products, my salary is direct deposit... again, I cant imagine why they would do this. And the fact they wont tell me why is very upsetting. 
I am being treated as a criminal and that is not acceptable. Cancelling my account will bring me enormous pain as I have mulitple direct debit and credits linked to this account. Please help me
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My Name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (NY)

Ive been disputing inaccuracies and the company keep updating inaccurate information I asked them to do reinvestigation and still account has not been deleted! Consumer reporting agencies havent sent me any description or relevant information on these accounts. Account name- XXXX XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX Also XXXX  keep updating XXXX with inaccurate information please have these accounts deleted! These consumer reporting agencies are breaking FCRA LAWS!!!! 15 usc 1681 ( a ) ( 1 )! 15 usc 1681 ( b ) ( 2 ) permissible purpose! 1681 ( 6 ) ( b ) iii description of procedure! And also a consumer report excludes transactions and experiences accordance to 15 usc 1681 ( a ) ( 2 ) i please please delete!