davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (SC)

XX/XX/XXXX a XXXX  XXXX bankruptcy was filed. All of my credit cards were closed. 

XX/XX/XXXX My attorneys office negotiated my overwhelming credit card debts ( no payments were ever late ). 
All payments were made as agreed with the couple of credit cards that were involved. 

However Chase kept returning my bank checks. The agreement was for 3 payments. One payment was accepted, the other 2 they kept returning. I called them and they refused to tell me where to send the checks because " I was represented by counsel ''. After many calls, they finally told me where to send the checks and I did, certified mail, receipt requested. I thought our agreement was completed and the debt satisfied.

No contact attempt has ever made to me or my attorney to the contrary. The large envelope I sent was never returned to me. 

Chase reported to the credit bureaus 4 year later! 
{$14000.00} Charged off/CO XX/XX/XXXX A duplicate reporting for the same duplicate amount on XX/XX/XXXX. 6 years later after debt was satisfied. 

Damaging my credit all over again. XXXX points down overnight and still dropping.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Consumer complaint received 2023-10-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

On XX/XX/XXXX Enhanced Recovery Company , LLC, placed am account on my consumer credit report without send me a noticed pursuant to 15 usc 1692g. i called, spoke with a woman she said they only sent me two emails. not one letter was sent. I am entitled to receive accurate and verified documentation that substantiates the validity of the reported debt. Enhanced Recovery Company , LLC has Failed to provide the requested validation within five days after the initial communication with a consumer, it is considered a violation of the FDCPA. I want to emphasize that I am fully aware of my rights as a consumer and my eligibility, as permitted by federal and state law, to file this dispute. I also acknowledge that any knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001, and punishable as perjury under 18 U.S.C. 1621.
Consumer complaint received 2023-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The following accounts must be deleted as they were opened without my consent : XXXX  - ACCOUNT NUMBER XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 XXXX - ACCOUNT # : XXXX - Opened XX/XX/2021 I have further done more investigating to understand why these accounts are reporting on my credit report and per my findings, on XX/XX/2021, my personal information was leaked due to a data breach. ( See attached documents ) In this breach, I

found that the following information was leaked, which are items needed in order to get approved or open an account fraudulently : SSN, Name, DOB, Phone number and address. These accounts were opened in the same year of the breach and reflect no payments towards the accounts which is a usual sign of fraud. I have attached the ID THEFT reports for all of them as well as the source of the date breach and what was included. That is enough evidence proving they are not mine. They were opened without my physical signature. They were opened in a state I do not reside in. They were opened with an address I do not live at. Resolution : delete these accounts because you are reporting fraudulent accounts on my credit report that are hurting my credit worthiness to be approved for lines of credit or buying a house. Reinsertion of these accounts after removal will be documented and presented to an attorney for further review for legal action to be taken as a result of negligence and deformation of character against all parties involved. 

Please comply with my request as failure to do so will result in legal action being taken.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I have disputed the issue with the credit reporting company and received NO response other than we will send it out today. We paid a judgement off XX/XX/XXXX and have not been able to be released on the lien/credit report as no Satisfaction of Judgement has every been received by myself, my wife, representatives or the courthouse. Please see attached letter to them for information on steps we 've taken to take care of this. This has been an ongoing battle for close to five years, but more recently more aggressive in obtaining it due to escrow. XXXX XXXX was attorney for Midland/MCM ( Collector ) for XXXX the original debtor. 
MCM # XXXX ; XXXX # XXXX ; XXXX XXXX ; XXXX Superior Court Case # XXXX FYI : XXXX XXXX mishandled many clients XX/XX/XXXX according to many articles online.
Consumer complaint received 2016-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit International Corporation (ID)

The man who called was speaking to me with a nasty tone and asking questions that were discriminating towards me, asking me " why are you talking so fast '', and you have a bank account dont you, very snotty, and talking to me very derisevely he made me feel like I was some kind of a low life and was asking for information that he did not need to know, when I told him I have no income and that my husband was the only XXXX with income he asked me where does my husband work, to which I told him that was none of his business, then continued to get very nasty with me still saying how he was gon na make the recommendation to the company that I didnt have a payment arrangement and wouldnt allow me to speak and told me have a nice day very very nasty like and literally hung up the phone on me. His name was XXXX, and I have never had anyone make me so angry so fast and talk to me in such a way, I felt like crying afterwards and he made me feel like I was being ridiculed by a parent and I was a child.
Consumer complaint received 2015-04-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS (AR)

I am a victim of the XXXX XXXX and XXXX data breaches. I requested my free annual credit report from LexisNexis. I also requested that my file have a security freeze placed on it. LexisNexis told me that they are not a credit reporting agency and would not give me a copy of my file or place a freeze on it.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Santander Consumer USA Holdings Inc. (FL)

This company has inaccurate information. I would like full validation of this account which was prior requested and nothing received. I want to see the initial signed contract, full list of every payment made, etc. They have failed to provide so now I am asking your agency to help.
Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have repeatedly asked Toyota why my lease payment changed from {$390.00} to {$400.00} and also to waive accumulated late charges on account totalling {$420.00}. I have asked repeatedly why my monthly payment increased. The late charges occur because I missed XXXX payment cycle waiting for increase explanation.
Consumer complaint received 2023-10-26
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:1230 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GreenPath, Inc. (OH)

applied for credit card from total rewards credit limit was only for {$1500.00}. paid back loan at the tell end of loan only owed {$200.00} dollars paid back put account into debt collections management program because I thought that I owed more come to find out .the debt program and credit card company have me paying additional {$1500.00} which I do n't owe.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-28
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In my prior complaint, I detailed my inability to access my account for unfreezing purposes. Each attempt at a temporary unfreeze results in an error. Customer service has been contacted, and while verification is necessary, they are unable to verify my identity for unknown reasons. They've stated their inability to assist further and the need for escalation. Post-escalation, I was informed of a potential weeks-long wait. This problem has persisted for months without resolution. It is imperative to address this as I am facing significant losses due to my inability to temporarily unfreeze or take any action within the account. Although I can log in, I am unable to unfreeze the account, perform credit checks, etc. The screenshot I provided illustrates my latest attempt, which resulted in the same error ( note the date and time at the bottom ).
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I have a XXXX account that shows me whenever there is a credit inquiry, expense or deposits. 
It also shows me a credit score for XXXX and XXXX through use of XXXX XXXX  calculations. 

I also pay XXXX every month to report my rental and utility payments to rating agencies. They also show me my XXXX XXXX XXXX using XXXX XXXX calculation. 

Based on these and suggestions from XXXX app, I applied for Capital One XXXXXXXX XXXX  deposit Secured Card in XXXX. They sent me a letter asking me to submit id proofs and proof of address. I faxed these around XXXX  I faxed them twice as they also demanded another additional proof of utility payment. When they did not respond after 10 working days I called them on their customer care number and was informed that backoffice could not identify my face clearly on the DL that I faxed. I was told on XXXX to fax it again before end of the week. I received an Adverse Letter from them stating my credit score was not present and also my application was incomplete. They sent this via email by XXXX XXXX on XXXX  without waiting for me to refax my documents as per their request. Since they did another hard inquiry for the same score, I lost further points on XXXX according to XXXX. 
They still show that I am eligible for CapitalOne credit card. 

Either XXXX XXXX and XXXX using XXXX XXXX calculation and giving me XXXX credit score of Good as attached is WRONG OR Vantage XXXX calculations are WRONG OR Experian showing my credit score of XXXX on all XXXX rating agencies is WRONG. 
In any case CapitalOne had access to all these reports and despite knowing my XXXX  rating was XXXX they still performed another hard inquiry and kept my documents illegally, kept me waiting and not letting me know the status of application accurately despite me calling several times and then incorrectly responding. They played with my emotions and harassed me all this long just to ignored a credit card application that they never intended to approve. 

If CAPITAL ONE is lying about my XXXX scores being Invalid or Non existent, then XXXX XXXX, XXXX  and XXXX XXXX are all culpable of this crime in falsifying records and present incorrect information to consumers to just make sure they sell Credit Cards of unsavoury unprofesssional companies like CapitalOne. 
Why else will they be offering me Capital One Card eligibilty on their apps when the score is non existent.
Consumer complaint received 2023-10-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC (TX)

This debt was sent to a debt collector Speedy Cash has deleted the debt and refunded my money XXXX out the debt But XXXX refuses to relinquish the debt XXXX is trying to collect a debt that has been canceled by the original debtor
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XXXX, Chase closed my checkings and savings accounts saying that they think XXXX checks I deposited in XXXX are suspicious because they couldn't verify the issuer of the XXXX checks. By the time they closed my accounts, the remaining balance is around {$5800.00}, and Chase has been freezing my money for over XXXX and a half months. I have contacted Chase customer service multiple times, but the customer representative keeps telling me they are going to hold the funds, and they can hold it for as long as XXXX years. And today I received a call from the issuer of the XXXX checks verifying that the funds have been cleared from their end, meaning the money is already in the Chase system. I have to sell my car to cover my living expenses for the past XXXX months and this has caused so much incovenience for me.
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (FL)

I went on XXXX to buy a moped, I used Affirm and had a total loan amount to pay of around XXXX less than XXXX, within 4 months of the purchase i had problems with the product due to the seller not sending over the Full product, I contacted XXXX straight away to ask for a refund due to me not having the proper item to have " OwnerShip '' of the product due to the seller not sending over said papers, XXXX granted the refund SEVERAL TIMES only for me to be told that Affirm didn't receive it, this has been going on for over half a year, Affirm is messing with my credit, my XXXX Account, and refuses to grant me my refund which was given to them by XXXX. ontop of all of that on XX/XX/XXXX a employee of Affirm told me that i would receive my refund only to be denied later like why. I've also given Proof to this company about the refund and they still refuse to honor it. they keep saying about this 60 day policy but they caused the time frame to be way past it cause they kept telling me nah we didn't receive it call XXXX to waste time.
Consumer complaint received 2015-09-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RR Resource-Recovery (NY)

A medical debt was reported to my Equifax profile on XX/XX/XXXX for a {$15.00} medical bill that I am unaware of, by an attorney 's office named Law Office of XXXX XXXX XXXX XXXX. When I called the number a man answered stating " RR Resource Recovery ''. The man did not identify himself. He asked me for my name, which I provided, and he immediately stated that I owed {$15.00}. I advised that I did not recall getting a letter with this information. He did not provide his name, nor the original creditor name, nor disclose that he was a debt collector, nor did he state the Mini Miranda disclosure to me. I felt that I was speaking to an attorney due to the credit reporting, so I paid via credit card the {$15.00} balance + a {$5.00} fee which the man stated would be added to a phone payment. He provided a confirmation # of XXXX and the call ended. 

I was misled by this company into paying a bill that I am unaware of and had the right to dispute, but was not offered that right. 
1 ) The collector did not identify himself2 ) The collector did not disclose to me that he was a debt collector3 ) The debt collector did not state the original creditor name despite me telling him that I did not receive an initial notice4 ) The collector stated that my XXXX XXXX credit report was wrong and that XXXX reports are " never right '' 5 ) The collector did not explain why he was charging me a {$5.00} fee for making a phone payment6 ) The company 's entity name is R R RESOURCE RECOVERY, LLC ; however, they have reported debt to my XXXX credit report using the name LAW OFFICE OF XXXX XXXX XXXX XXXX, XXXX - which is an inactive company due to dissolution on XX/XX/XXXX. 

How can a debt collector report to a credit bureau using the name of a dissolved attorney 's office?