davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (GA)

To : Trustee and CFO of CREDIT ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE BENEFICAIRY WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY CREDIT ACCEPTANCE CORPORATION
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Armstrong and Associates, Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX XX/XX/2022 Armstrong and Associates XXXX XXXX XXXX XXXX AL XXXX Reference XXXX Armstrong and Associatesis debt collector I am responding to your contact about collecting a debt. You contacted me by phone XXXX, email XXXX XXXX XXXXXXXX XXXX and identified the debt as XXXX XXXX XXXX XXXX with account number XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make I need to communicate with you to solve my case I need assistance in XXXX  please I do not I need to communicate with you to solve my case I need assistance in XXXX  please I do not understand what they charge me if I have medical insurance thank you
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CA)

I have the Target XXXX  Card which I use for purchases online and in-store at Target. I realized that my statement does not itemize my purchases. Instead, purchases are listed by the date and total amount. I reached out to Target today and they told me I can cross reference using the Target XXXX  but this is unrealistic. Nobody has the time for this. What about people who aren't able to use the app or have a computer? Are they supposed to keep paper receipts and cross reference every month? This seems discriminatory, edging on elder abuse, and makes it impossible to monitor for fraud.
Consumer complaint received 2022-10-03
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: Uplift, Inc (IN)

I have filed a dispute with Uplift and returned on XX/XX/2022. 
I called them two weeks again informing them I have been returned the dispute form back.

I was told I would receive a call back from the Fraud department. I never received a call.

This is not my account it is ridiculous how Uplift is handling this.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

A block needs to pe placed on my credit report. attached file is report filed. I've sent the Three Consumer Reporting anciencies my proof of Identity Certified by mail 6 times already. yet information is still being fraudulently being reported on my account without my written consent.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, XXXX AND TRANSUNION HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED ALSO.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-03
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. (MO)

I have 3 credit card accounts that are not minds and was open up in my name as fraud. I File an identity theft report and a police report. Here are the accounts : XXXX XXXX balance XXXX XXXX XXXX  balance XXXX XXXX XXXX XXXX  balance {$380.00}
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, XXXX AND TRANSUNION HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX- XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED ALSO.
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

XX/XX/2022 Transunion reported a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX Phone XXXX I was not applying for credit anywhere. 
I called the phone number and the recording claimed to be Transunion.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Equifax has been reporting inaccurate information since XX/XX/2021. The amount the company says I owe is {$89.00}. I disputed this negative account multiple times. The negative account is still on my report. 
Equifax is the only company reporting this negative item.
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (MD)

On XX/XX/2022, A representative from the company Capio Partners informed me about outstanding medical debt of XXXX dollars from last year. That debt has been paid off months ago, and i have receipts to back that up. I told the representative that much and insisted that i did not recognize the debt, but needed proof of his alleged debt. instead of taking a mailing address down, he claimed that his system was not designed to do that. he gave me the email address XXXX to submit my complaint. I humored him, but my email that conveyed the same info was bounced back to me. I do not believe this company does not send out written debt validation notice. Furthermore, i contacted XXXX XXXX and they have no business with that company. Capio Partners, at best, it is a second hand debt buyer running on bad information, with no means to scrutinize it. At worse, it is a scam, and needs to be shut down.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, an amount of {$3000.00} was deducted from XXXX XXXX XXXXXXXX XXXX XXXX and ACH through Chase Bank. I have filed a compalint to our bank XXXX XXXXk and also file XXXX Police and the Report Number : XXXX. 

XXXXXXXX XXXX has requested Chase Bank to return the funds since this is a fraudulent and unauthorized activity Chase refused to return the funds. 

Chase stated since this was CCD ACH, our bank needs to report within 24 hours of the fraud, and as a consumer or even some bankers would have no clue about different forms of ACH. 

Thank you.
Consumer complaint received 2021-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AVANTE (TN)

XXXX I was made aware that I can not refinance my house due to my current credit score. I was advised there were medical collection placed on my credit report that are in violation of HIPAA and or a medical privacy. They should not have been reported. Nor my score should not have been affected negatively. I spoke with collection company. Explained my situation. I was advised to call the credit bureaus to dispute the collections. I have recently spoke with the three credit bureaus. Started the dispute process for removal of the medical collections from my credit score. However my credit score decreased significantly due to the medical collections being reported an error.
Consumer complaint received 2024-01-30
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. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX Delete this account.
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I have never entered a contract with LVNV funding in my life. This company is reporting negative information on my credit report as if I have. They had a letter sent to me from a supposed " attorney '' attempting to get me to pay them money. I responded to them requesting they validate this alleged debt and they have not provided me what I requested only statements. This is my last attempt at a resolution before I sue LVNV, XXXX XXXX Bank, and this pretend attorney they have all now given my personal information to. XXXX XXXX charged off this alleged account and I never received a 1099-C for such. I'm holding every party accountable.
Consumer complaint received 2022-10-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company (WI)

on XX/XX/2002 XXXX XXXX XXXX my XXXX XXXX XXXX in the amount of {$140.00} without authorization for services provided to an adult child by a medical provider. 

They called repeatedly and asserted I owed medical bills for an adult child asserting that they were a minor when they were not. I asked for them to provide proof of age when the services were rendered and in the collection calls they could not. They refused. 

I did not convey my XXXX XXXX XXXX number to them or authorize payment on XX/XX/2002 in the amount of XXXX. Yet it was charged to my XXXX XXXX. ( which requires documentation of the services, which XXXX XXXX asserted I owed were provided to a minor child. ) In effect it has rendered my XXXX XXXX inactive, per federal rules regarding the use of the card. A dispute has been filed with the Benefit Administrator. Again, I can not provide an itemized statement for a service I did not receive or approve for payment. Collection companies should not be able to use financial card information provided to a medical provider with your consent to pay for a debt you did not incur. The addition of carrying your adult child on your insurance should not result in this behavior.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (MD)

XXXX Credit reporting Incorrect information on your report SELENEFINANCE LP XX/XX/XXXX Closed Company responded This company is non responsive to my multiple inquiries regarding unexplainable fees, no explanation of the amount of fees, and what they are for. This company has also due to being contacted by XXXX XXXX on my behalf removed ALL of my credit history from my credit reports which resulted in my credit scores dropping approximately XXXX points. After my last complaint my loan amount was approximately XXXX in retaliation they reported false information to the credit bureaus stating that i owed XXXX. From XX/XX/XXXX - XX/XX/XXXX, I sent approximately XXXX emails inquiring about incorrect information being sent to credit bureaus, unexplained late fees and unexplained amounts of the late fees. In XXXX I was late ONCE due to the long extended government furlough, I contacted XXXX to inform them and ask them what I needed to do. They in return sent me documentation and information regarding foreclosure. After informing them they reported this late payment to the credit bureaus and charged me a late fee. I paid that late fee and have not been late since.
Consumer complaint received 2022-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AR)

I received a phone call on XXXX from a guy who said he was XXXX XXXX a legal Courier of XXXX XXXX XXXX. He stated that they were going to come to our house and serve papers and our place of business or a relatives house. Case # XXXX. He would not tell me what it was for only that I owed over {$6000.00} from XXXX He had my social security number and my ex-husband social. He called from XXXX. He said to call XXXX or XXXX. 
They claimed to be a XXXX XXXX? They were very threatening. They also said something about Wells Fargo dealer services which showed up on my credit report that's how they might have got my information.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. XXXX keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

This complaint is about my safety deposit box held at Chase Bank in XXXX XXXX, IL. Several years ago I was given this safety deposit box for free, which I have been utilizing all these years. 

However, on XX/XX/2022 I received a paper letter from Chase Bank saying that they will withdraw {$50.00} from my Checking Account as an annual fee for the safety deposit service. On the letter a phone number was provided where I could call to understand why I was being charged the {$50.00} fee. 

When I called up this number the system took me through various automated messages giving options which were not relevant to my problem. It did not provide any explicit option to talk to a customer service representative. 

I tried pressing " 0 '' and that's how I got to the point where talking to a human appeared possible but I soon got the message saying " THEY ARE NOT ABLE TO TALK TO ME AT THIS TIME AND I SHOULD CALL LATER ''. They did not provide any other options such as leaving a message, waiting in the queue or leave a call back number. I kept trying for half an hour and finally gave up. My complaints are as follows : 1 ) Chase has not spent enough resources to serve their customers. They provide big XXXX bonuses to their top employees but when it comes to investing resources to serve their customers and communities they shy away from it. 

2 ) I understand that a particular customer service center may be busy at a given time. But Chase could at least create features within their customer service system that would allow customers to leave messages or navigate to the right option in an easy manner. 

3 ) One would expect a bank of Chase 's size and might to be proactive about addressing these considerations. Given that they haven't done so suggests very clearly that they are deliberately discouraging customers from contacting them. 

Thank you for your patience in reading through my complaint. I hope to get a speedy resolution.
Consumer complaint received 2024-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

XXXX is the mortgage holder of my XXXX loan. I pay my mortgage like clockwork through my chase account. XX/XX/XXXX and XX/XX/XXXXXXXX XXXX  I receive a bank statement telling me that I am in default on my loan. I don't get upset, I check my chase payment records, then I go online to my XXXX Mortgage and my online account is current. 
This morning I have spent XXXX hours trying to research my own mortgage account with extreme XXXX of the hands and this company has no customer service line for the disable. I have re-aged accounts on my credit reports from all three agencies, I did not receive any financial relief during the pandemic, but these agencies did, yet I CANT EVEN BE TREATED FAIRLY WITH MY MONEY.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I called Truist on XX/XX/XXXX and talked with XXXX XXXX about flex modification on my mortgage. She advised me that I would go into forbearance for four months, after a three month trial period, Then she stated that my mortgage would be stretched out for 40 years and that the rate would go down a point ( currently XXXX - XXXX = XXXX ). I called Truist XX/XX/XXXX and was told that I successfully completed my trial, and that the modification to my loan is now 40 years and at the rate is XXXX. That has been my rate ever since I got the loan in XXXX. They told me that it would be dropped one point which would be XXXX. I called Truist and gave them dates, times and the people I talked to that verified loan would be modified to 40 years and drop a interest point. Truist said it will go through the recordings, and even if Im right that they still arent going to honor quoted rate. I had 3 different Truist representatives verify my rate would drop on phone calls prior to XX/XX/XXXX.