davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

Hello, I used to have a XXXX XXXX XXXX XXXX credit card with Chase from XX/XX/XXXX until XX/XX/XXXX, when account was closed. I no longer have neither credit card nor any statements, but do have numerous emails from Chase regarding this account and many receipts, including few with the full credit card number. 

Recently the XXXX XXXX XXXX Customer Service sent me a refund to that account, which was processed successfully on XX/XX/XXXX. When I contacted the bank, they said I never had any XXXX XXXX XXXX credit card with them. When I gave them the full card number, they said the number is invalid. I contacted the Customer Service, Fraud Department, XXXX XXXX ( XXXX XXXX XXXX multiple times, to no avail. Also sent several faxes to the Fraud Department fax number with all relevant information. 

Also unable to log to Chase website at this time ; getting message " your account was locked due to unusual activity ''. 

This all is highly unusual, and I'm suspecting some sort of fraudulent activity or identity theft. How is it possible that the bank no longer has my account information just six months after its closure? Not to mention that I still need to get the refund. 

XXXX, XXXX XXXX
Consumer complaint received 2024-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year>, XXXX XXXX XXXX XXXX filed a case against me in the XXXX XXXX XXXX XXXX, seeking to recover an alleged debt. However, the case was dismissed without prejudice on XX/XX/year>, because they could not prove I owed the debt. Despite the dismissal, XXXX XXXX  continued to report this invalid debt to the major credit bureaus, negatively impacting my credit report. 

On XX/XX/year>, I sent XXXX XXXX a debt validation and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), formally disputing the debt and requesting validation. I also requested that they stop reporting the debt to the credit bureaus until the matter was validated, as required by law. However, XXXX XXXX has failed to respond to my validation request, and the negative item remains on my credit reports. 

This inaccurate reporting has caused significant harm to my credit score and my ability to obtain credit for both personal and business purposes. I have been denied credit, and the negative mark continues to harm my financial reputation. I am requesting that XXXX XXXX :
Consumer complaint received 2019-01-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Works & Lentz of Tulsa, Inc. (CO)

I SAW A NEGATIVE REPORT ON MY CREDIT FROM WORKS AND LENTZ AND I CALLED TO RESOLVE USING MY XXXX XXXX BUT THEY ARE SET UP AS AN ACCOUNTING OFFICE AND IT DIDNT GO THROUGH I THEN TRIED TO CALL CLIENT DIRECTLY AT XXXX XXXX BILLING OFFICE AND WAS CONFIRMED I OWED N O  BILL WHICH MADE SENSE BECAUSE I AM ON XXXX AND XXXX.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HireRight Solutions, Inc. (OH)

XX/XX/XXXX XXXX XXXX  contacted hire right regarding employment status listed false information merging two separate incidents into 1. XX/XX/XXXX denied employment for reasons that was falsely listed by XXXX. Contacted hire right regarding this issue, they denied first, 2nd & 3rd dispute. After 4th dispute over the same situation, 1 change was made. Me filing police report on employee & complaining to safety management regarding being forced to drive a unsafe XXXX XXXX  - In retaliation from XXXX listed I had a failed roadside performance violation from department of transportation false no violations on my record or points received a civil citation/ non moving traffic citation NO Points on MVR XX/XX/XXXX no DOT inspection Another was a warning from police officer no fine no court date regarding cell phone - XXXX admits all drivers personal cell phone is required to keep track of hours of service electronic logging system per department of transportation requirement also all logging devices must be mounted/stationary. Officer assumed all day cabs was automatic I was operating XXXX XXXX XXXX he saw hand movement assumed I was using cell phone pulled me over did a DOT inspection which requires you log book - I took phone off mount and handed it to him no violations on truck, no violations for not having Electronic logging not mounted, but was giving a cell phone warning no fine no court date no violations XX/XX/XXXX. Hireright allowed XXXX to merge two separate cases into 1 - by doing so and stating I hade a failed DOT inspection employers pre-screening before hire is grounds for denial of employment Ive been denied multiple times from trucking companies because of this, and can not reapply between 6-12 months. Hire right didnt confirm allegations and ignored documents provided and several disputing attempts. This have caused financial hardships
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Im a victim of identity theft someone got my Homedepot credit card and used it while I was really sick with XXXX I was down and out for over a year and more sick so Im now going over my account and report and seeing all of this.
Consumer complaint received 2020-04-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (MD)

I paid XXXX of XXXX for move out repair on apartment rented by me and my son, in the rental office in XX/XX/2020. Me and my son have received several calls and letters from debt collectors IQ Data Inc, stating it has not been paid. I have emailed, mailed ( certified return ) copies of money orders and receipt of payment. They have my son credit card number and have charges payment on XX/XX/2020. I have called the rental office and the have notified them by email that this debt was paid. I have spoke with several rep and supervisor XXXX and company continues to run my son card and states that payment should have been paid to them. As of XX/XX/XXXX ; XXXX  be have paid {$1000.00}. Bill was {$690.00}, which I paid {$650.00} on XXXX XXXX. IQ Data continues to run my son cards, regarding of my calls, email that was sent that it was paid. I asked rep and supervisor not to do this, and they informed me that my son card will continue to be ran. Please Iam asking for help, this company continued to do what they want, and I cant do anything to stop them.
Consumer complaint received 2020-04-22
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.
Consumer complaint received 2020-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NC)

This is the letter I sent to the Wells Fargo Office of the President. While I was offered mediation they offered me to settle for an unacceptable amount. It worries me that Wells Fargo is in charge of providing refunds as its clear some people who were in the same predicament received much more compensation? Are they randomly compensating? Doesnt seem right. Several articles published from Wells state : For approximately 25k customers, the additional costs of the CPI contributed to a default that resulted in the repossession of their vehicle. Those customers will receive additional payments as compensation for the loss of their vehicle. The payment amount will depend on each customers situation and also will include payment above and beyond the actual financial harm as an expression of our regret for the situation Wells Fargo continues to engage in consumer abuses and the potential for widespread consumer harm still remains. 


Dear Mr. XXXX, Thank you for the reimbursement provided in XX/XX/2019, however I feel the amount was not sufficient for defrauding me and wrongfully repossessing my car. In total I have spent at least {$42000.00} to clean this up and get back to normal. I had excellent credit score, going from almost an 800 to below 500 after this nightmare with this bank. I could not get a car loan, or any loan for that matter on my own and had to halt attending grad school because I no longer had the good credit needed to receive a student. I spent THOUSANDS in taxes due to the fact that I was work some much during that time. I attempted retrieve documents from the IRS, however they informed me their records unfortunately do not go back that far. I had other credit cards go unpaid because I was trying to keep a roof over our head. I spent almost 10 years of my life paying off this debt, rebuilding and starting over financially. This experience also affected my mental and emotional health by gear/anxiety of never being able to recover, becoming homeless, fatigue from working non-stop. I worked an office job from XXXX, and then worked overnight at a group home from XXXX. I soon lost these jobs due to no transportation and became homeless. I was and still am very responsible and so I could never truly comprehend how this all happened to me. Its been over 11 years and the repossession no longer appear on my credit, so while offering to update my credit is appreciated, I have already corrected it by paying it off and had to endure the riddle of having a repo on my credit. WF trying to correct my report now will do nothing to undo the damage I endured. Imagine how that appeared to past potential creditors? The truck was 5 years old and They auctioned the vehicle for pennies leaving me with a ridiculous amount left to pay.

Thank you for your time, and I hope to hear from someone soon. Im optimistic that WF will do right.
Consumer complaint received 2019-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

You are suggesting in response to CFPB complaint XXXX-XXXX  that this a bill from emergency room physicians for services provided during a hospital visit and is separate from hospital payment. 

This prohibited practice is called " balance billing '' and is contrary to Florida Statute 627.64194 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance billing is ILLEGAL in the State of Florida. Please delete this claim from XXXX. 

From this point on, any reporting of this claim to a credit reporting agency will be in violation of Federal law 15 U.S. Code 1681s-2 -  Responsibilities of furnishers of information to consumer reporting agencies. Knowingly and willingly reporting an illegal or invalid claim puts XXXX XXXX XXXX  at risk for damages and all attorney 's fees. 

At this point, I am only requesting that you delete this claim from XXXX.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I received notification from my student loan servicer, XXXX that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XXXX XXXX XXXX I contacted XXXX and learned that XXXX reported on XXXX XXXX XXXX that I have a balance of {$82000.00}. 

I called XXXX and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to XXXX  I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. XXXX is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY (WI)

In XXXX of XXXX a XXXX XXXX card was opened in my name and it was determined that it was fraudulent because they could not verify the identity of the applicant. I contacted XXXX XXXX XXXX XXXX XXXX to remove the account from my credit report and the inquiry in XXXX of XXXX. Initially they informed me that they could not, but eventually they did. What I did not know is that they also sent a fraud alert to all of the credit reporting agencies. So in XXXX of XXXX when I attempted to apply for a XXXX credit card I was denied the ability to apply for credit because XXXX XXXX had sent a fraud alert on my account. XXXX informed me that they could not verify my identity based off of the information from XXXX  XXXX XXXX XXXX. So in XXXX of XXXX I went to the websites of all the credit card companies XXXX, XXXX  and XXXX  and followed the instructions to have the alert removed from my file because it was blocking my ability to access new lines of credit. 

I went online for XXXX  and mailed a letter for XXXX, but I did not receive any confirmation from any of the companies. Most recently, I had to call back on XX/XX/XXXX because American Express XXXX XXXX XXXX informed me that XXXX  still had a fraud alert on my account that required them to verify my identity before we discussed any account information. 

I check my credit report every week through American Express ' XXXX XXXX XXXX which is powered by XXXX  and it did not list a fraud alert notice for XXXX to present date. On XX/XX/XXXX American Express informed me that they had to do a security check, which should have only been a soft inquiry. However, it was listed on my credit as a soft and a hard inquiry. I would like the hard inquiry to be removed. I contacted XXXX on XX/XX/XXXX and they removed the fraud alert. But I had already previously contacted them in XXXX of XXXX to remove the alert through their online portal, so it already should have been removed. So, the American Express soft inquiry should have never occurred since I had already contacted XXXX  in XXXX to remove the fraud alert. I called again on XX/XX/XXXX to get the American Express hard inquiry removed from my report because American Express stated it was due to the fact that XXXX  placed a fraud alert on my credit report. I never authorized a fraud alert to be placed on my account and in XXXX of XXXX I went to XXXX and submitted the documentation electronically for the fraud alert to be removed from my account in XXXX of XXXX and XXXX of XXXX. 

Frankly, I want the American Express hard inquiry removed from my account because I did not apply for credit with American Express. They stated it was a security measure from XXXX  that I did not authorize on my credit report which all stemmed from fraudulent XXXX XXXX card.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

XX/XX/ I made an attempt to call to inquire about the collection on my credit report. The person instructed me to give them my personal information. They refused to give their name and told me I couldn't speak to a supervisor and hung up.
Consumer complaint received 2020-04-22
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. (TX)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX and 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 2024-10-31
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. (AZ)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of co
nvictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I RECEIVED A LETTER ABOUT FROM MIDLAND CREDIT MANAGEMENT INC, ABOUT A ACCOUNT I DO NOT RECOGNIZE XXXX XXXX XXXX XXXX. I HAVE NEVER DONE BUSINESS WITH MIDLAND CREDIT MANAGEMENT INC AND I DONT RECALL HAVING ANY ACCOUNT OR LINE OF CREDIT WITH THEM. THIS IS A FRAUDULENT ACCOUNT THAT I HAVE REPORTED TO XXXX POLICE DEPT. AND CFPB Case No. XXXX  XXXX  XXXX The account is a violation of 1319.12 O.R.C Taking Assignment of Debt.The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bilXXXX, or other evidence of indebtedness with the collection agency. I need this fraudulent account deleted asap.
Consumer complaint received 2024-10-31
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. (OH)

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.