davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: J J Marshall & Associates, Inc (MI)

I financed furniture through XXXX XXXX XXXX financier XXXX XXXX. Shortly after getting the furniture, I was put on XXXX XXXX XXXX for 6 months. That was the first time I attempted to contact them to make alternate payment arrangements as I was not receiving a full salary. Upon returning to work, I was intermittently on unemployment due to my employer doing a complete restructure of my job site. I, again contacted XXXX to advise them of the situation and make payment arrangements. They advised me that they do not make arrangements and would not be willing to make any arrangements. Auto drafts from my account were being done by the company throughout this period however they stopped taking the payments after XX/XX/XXXX. In the interim, I contacted them again to set up arrangements to remove late payments and get my account in good standing, however the company refused to provide any payment arrangements. Since then, they have placed this account for collections with JJ Marshall. I sent JJ Marshall a letter via certified mail asking for validation of the account. This letter was sent out on XX/XX/XXXX. While I have not received a response to this date, I can confirm that the letter was received on XX/XX/XXXX. USPS tracking number for the letter sent to the Collection agency is XXXX. Today on XX/XX/XXXX, I got notification that they attempted to serve me with lawsuit papers. I have yet to receive any information directly from the creditor, however they have removed the collection from my credit report. I am filing a complaint because the account is no longer listed as being held by the company attempting to sue me ; a company that has not responded to my written request for supporting documentation ; and the original creditor refused to provide we with any comparable solutions for repayment of the original loan amount.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX  ).
Consumer complaint received 2023-07-02
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. (NJ)

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2019-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Starting XX/XX/XXXX, I have been recieving phone calls from Capital One ( as they stated ) asking for XXXX. I have now four times, advised that this is NOT XXXX phone, they are still constantly calling. They have also called multiple times within an hour. All of which is against CFPB standards. I have been called Three times alone today, Two of the calls I answered and AGAIN stated this is not XXXX.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (AZ)

At XXXX on XX/XX/2022, I purchased a Vanilla Visa gift card in the amount of {$300.00} at a XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. I immediately called the gift cards customer service number to activate the card but was told by an automated message that the retailer puts a XXXX hour hold on gift cards. I waited another couple hours before attempting to activate the card on XXXX website. At this point, I was told the balance of the card was {$0.00} as the entire amount had already been spent at XXXX at XXXX - the exact moment the funds became available for use. I called the Vanilla customer service number and was told I had to wait 72 hours for the purchase to go through as it was still only a pending charge, before I could file a dispute. On XX/XX/XXXX, I called back and was given a case number - # XXXX - and told I would be receiving an email from the company shortly. I was also told that if XXXX XXXX heard back within 10 business days, to email this address - XXXX. This weekend I sent an email to the above address but did not receive a response so I called the customer service line again. At this point I was told the last agent I spoke with had added an additional m to XXXX in my email which is why I never received an email. I was also told this email would contain a dispute letter I would need to fill out then wait another 10 business days before attempting to contact the dispute department. I was told I would receive an email shortly, which I have still not received and I simply can not afford to continue waiting for this company to reload the card or send me a new card. I have researched this issue and have found many stories exactly like mine.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the public record item below. I am requesting it be removed from my report pending a thorough review. 

PUBLIC FILINGS XXXX  RECORDER OF DEEDS {$3800.00} not mine
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX while on vacation in XXXX XXXX, I put  my credit card into an ATM and was quickly surrounded by five people while trying to enter information into the ATM.  While being distracted, the credit card must have come out of the machine and one of the five must have taken it.  When I couldn’t retrieve or find the card, the two men who had been there started walking quickly away.  It was then I realized my card had been taken, and returned to my hotel to report the theft. I reported the theft both on-line and with a phone call within an hour after the theft.  At the time of my report, cash had been removed and fraudulent charges made.  After numerous calls to the credit card company I was told I was not liable for those charges made on XX/XX/XXXX.However, on XX/XX/2019 I received a letter saying I needed to pay the $XXXX of fraudulent charges, along with transaction fees and interest.  The card company has closed the fraud investigation without warning or allowing us to dispute their letter.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX ; Experian and XXXX are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and XXXX at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-08-14
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. (FL)

WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY ON MY CREDIT REPORT.
Consumer complaint received 2018-08-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (MS)

On XX/XX/18 I received a telephone from a woman stating she was with XXXX XXXX XXXX and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.
Consumer complaint received 2018-01-16
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: EQUIFAX, INC. (FL)

I have contacted XXXX and Equifax as well as XXXX several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company XXXX, claims they have sent XXXX and Equifax information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

from XX/XX/XXXX to XX/XX/XXXXmy current Landlord of nearly 9 years at XXXX XXXX in XXXX Michigan, have over 9 judgements on my Rent grow tenant report. i disputed this with rent grow on XX/XX/XXXX, they informed me the info was provided to them by Transunion screening service at XXXX XXXX XXXX. After contact Transunion screening service i found out that they were also showing that i have 3 open accounts that they added to the dismissal log on my report told me to call the 47th district court at XXXX XXXX XXXX to have them deleted i called left a message on the courts voicemail, no reponse.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I contacted Chase Bank on XX/XX/18 regarding the unknown charge. Chase Claims Specialist, XXXX, stated she can not remove the unknown charge for the merchant, XXXX XXXX already credited to my Chase account. I informed XXXX, Chase Claims Specialist that the unknown charge should not be on my Chase checking account, for it is not my charge. XXXX, Chase Claims Specialist ignored my request and stated that the unknown charge has to remain on my checking account.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (PA)

My sister went to the dentis and got dentures and she is very unhappy with the results, they are still in wax and they are not finished and I lent her my credit card from pnc and the amount was {$3.00} and I disputed this on my credit card gave them everything they needed and still they are not giving me my money back. This has been going on since XX/XX/2018. They also wanted me to go to another merchant to get feed back, and other dentist just don't won't comment on another dentist 's work, and I had to pay for the office visit. I did everything to see if I can get my money back and they still won't. When I talked to the supervisor from pnc he also agreed with me about the dentist not commenting and then I said I have another dentist to go see and he said ok, but that dentist said the same thing and now he won't even return my phone calls, and he also said at the same conversation before I told him I was gon na see another dentist, that they would see what pnc can do for me. But has not called me back for days, I am filing a complaint, this is crazy, That conversation was even on a recorded line so he should not even go back on his word. I have the date and time from that conversation that was recorded.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NE)

US bank does not provide the deposit cut off times for its ATMs on its website, nor does US Bank customer service have or give out this information. Please see https : //locations.usbank.comXXXX. Try calling XXXX and asking for the ATM same day deposit deadlines, whether in general by location or by specific ATM. 
You will receive nonsense answers such as " there is no cut off '' " it 's up to each individual branch '' " the next business day ( with absolutely no definition of business day available ) '' etc. Needless to say, this makes it impossible to manage one 's account and cash flow and clearing of checks. Of course the ATM 's have same-day deposit cut-offs just like every bank does, I just have no idea why this information can not be revealed to the consumer in advance of driving to each and every ATM!!! I think US Bank is trying to promote confusion and overdraft fees by hiding this information from the consumer. All of the other banks that I 'm aware of, publish this basic required information for managing one 's account. Please see https : //www.wellsfargo.com/XXXX/ by way of comparison. I am thoroughly disgusted that a major bank like US Bank does nor provide required account servicing communications to its customers, even when directly asked.
Consumer complaint received 2018-08-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

On XX/XX/2018 I sent a certified letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted from the credit bureaus.
Consumer complaint received 2018-08-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZARVAD III S.A. (MS)

On XX/XX/18 I received a telephone from a woman stating she was with Simms and Associates and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status.

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well 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