davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C.Tech Collections, Inc. (NJ)

In XX/XX/2018 I received a bill from XXXX XXXX XXXX for {$15.00} I immediately contacted the company explained that that amount was billed in error they agreed and closed their file and I mine. date of service XX/XX/18. 

With a letter dated XX/XX/18 from C.tech Collections Inc. XXXX XXXX XXXX, XXXX. XXXX, NY XXXX the collection company was communicating that XXXX XXXX XXXX XXXX had referred my account to their office for collection and that, unless disputed within 30 days, they would have assumed the debt as valid. Letter signed by XXXX XXXX VP Operations ( XXXX ) XXXX Payment ID # XXXX XXXX XXXX I immediately contacted XXXX at the collection company, very upset, informed them that there was no such amount due and immediately without asking further questions she stated to consider the matter closed and dont take further action. 

The above raised some suspicions, so I contacted the service provider, XXXX XXXX XXXX, who appeared to be astonished about the news as they stated never having referred such debt to this particular collection company. 

I am very much concerned about the unfair, deceptive action and practice from this particular collection company and I am wondering how many more consumers they have unfairly billed. Company such as these pose a dangerous threat to the community and need to investigated for possible UDAAP violations. 

On my part I would expect a letter of apology because they have insulted my intelligence and my integrity. Particularly for {$15.00} seem so pitiable action on their part. 

Thanks
Consumer complaint received 2018-09-19
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. (SC)

Transunion- I have about 20+ inquiries on my XXXX reports that I had no knowledge of until I was trying to get a house. These inquiries was not authorized. I already attempted to inform the agencies and the bureaus to no avail.. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX,, XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/ XXXX XXXX XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX , XXXX  XXXX XXXX  XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I took out a XXXX credit card from Synchrony Bank in XX/XX/2018. One month later I started making my regular monthly payments of {$45.00} on the account. I always make my {$45.00} payments before the due date. I was finally able to get access to my account online on XX/XX/2018 when I found out Synchrony had recorded my birth day in error - once I put in the birth day they had, I was able to get access to my account. I was stunned to learn I was past due on my payments and had {$100.00} in late fees. I spent almost two hours with two different customer service agents trying to reconcile the late fees. They stated that, due to their billing cycle, I did not get credit for all my payments, so they said I was late on three payments. I am including my statements to verify I have made all my payments before the due date. I also have verification from bank on the dates these payments were received by Synchrony Bank. 

I have been penalized {$100.00} for paying early and my credit card shows I am behind in my payments, when actually I have been paying ahead of the due date. 

I am requesting removal of these {$100.00} in late fees.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to you today to once again dispute the account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the bank and they have acknowledged that this account was fraudulent and have removed them. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. So, I'd like you to remove/delete the account from my report : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 

I have constantly received these Robocalls for over a year.
Consumer complaint received 2018-09-18
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/XXXX I was contacted via email by a scammer who presented himself as an employee of XXXX XXXX XXXX.

He received my resume from XXXX and wanted me to work as his assistant and accounts receivable manager.

Once hired I received my first payment on XX/XX/XXXX and I deposited the funds. They were on hold for 2 days and once navy federal cleared them I went to the branch. At the branch before my withdrawal I asked the teller please make sure the funds have cleared all the way on the other banks end ( XXXX XXXX XXXX ). She came back after 30-40 mins and stated the check was good and cleared with the bank.

I withdraw the funds and head over to XXXX XXXX to deposit the funds into a XXXX XXXX account. I thought I was paying for my training and equipment..

2 days later I'm slapped with a {$3400.00} balance from this bad check I was told was good.

Navy federal refuses to provide me with a HOLD HARMLESS to settle the balance although I have a police report number and complaints with the FBI, XXXX XXXX, etc. I have provided them with the police number etc.

They should be protecting me. I'm a victim. I contacted the XXXX XXXX ( XXXX ) and they said their is a open investigation in the company because this guy is moving around the United States scamming people. He's been in XXXX, XXXX etc.

NAVY FEDERAL needs to help me.
Consumer complaint received 2018-09-18
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. (TX)

XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, Exquifax and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT EQUIFAX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (CA)

I have been disputing my XXXX XXXX  account for some time and it started on XX/XX/XXXX where i sent my XXXX round of disputes to Experian. On XX/XX/XXXX i sent round XXXX round of disputes to Experian, with no response back. On XX/XX/XXXX I sent round XXXX of disputes to Experian, no response back. On XX/XX/XXXX I sent round XXXX of disputes to Experian, no response back at all and nothing since then.
Consumer complaint received 2018-09-21
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. (CA)

I faxed a letter to Transunion last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/XXXX they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Transunion doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Consumer complaint received 2018-09-25
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: Io, Inc. (NC)

XXXX  and XXXX  removed a debt collection from XXXX XXXX With XXXX XXXX XXXX that was not mine. On XXXX  the debt collection was not removed and has adversely affected my score. This debt does not belong to me and I have never had insurance with XXXX XXXX. 

Please contact XXXX XXXX XXXX and fix this, because it has affected me getting a loan for a truck. 

Here is XXXX contact info : XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX Toll-Free
Consumer complaint received 2018-09-24
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: MicroBilt / PRBC (formerly CL Verify) (NC)

dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

Beginning in late XX/XX/XXXX through XX/XX/XXXX, Chase XXXX Card and Chase XXXX Card. My previous employer had agreed and had been paying my cards for over two years to cover allowances and company expenditures. We got into altercation in late XX/XX/XXXX, and I quit. He in turn started reversing the charges by lying to the bank stating he never authorized. Even. The banker was aware of the authorization. Once I noticed the first charge was reversed back I immediately contacted chase and informed them of the situation and that I disputed the reversal. I never received any communication back from Chase other than the notice regarding the reversal. Within days, both Chase Card accounts were closed and removed from my online access. I hired an attorney an requested Chase send need my statements from XX/XX/XXXX-XX/XX/XXXX, since I could not access. They still have not provided. The employers ex-wife is in upper management in Chase and I feel she may have something to do with these actions and I would like it investigated.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (OH)

Hello Sir/Madam, Since XX/XX/2018, I have had the misfortune of dealing with rent debt collection LLC.  They reported an account in collections on my credit report. They claimed the account was delinquent in XX/XX/2018 after my brother moved out of his apartment where I had cosigned him. Contrary to standard practice in the industry, they did not contact me or my brother to request the amount they claim we owe. 
When I filed a complaint with your agency earlier this year, rent debt claimed the apartment complex had sent a request for my brother to pay this debt at XXXX XXXX XXXX, XXXX. I find it hard to understand the reasoning behind a landlord sending mail to a tenant at the address the tenant just vacated. This landlord should have known the tenant will not get that mail as they no longer lived there. 
I contacted XXXX XXXX at XXXX XXXX XXXX about this supposed debt. To my consternation, she reported to me my brother owed {$72.00} and not the {$270.00} they have been reporting on my, and my brother 's credit reports. XXXX also went on a ramble about how my brother had spoken to her rudely while he was living there. After my conversation with her, I deduced this individual was trying to settle her personal scores with my brother using the credit reporting system. I filed another dispute with XXXX reporting agency, and sent them XXXX XXXX e mail to me, stating a debt amount of {$72.00} contrary to previously reported numbers so they could understand that this was all fabrication from this individual.My hope was that rent debt LLC will investigate this matter more thoroughly than they have done in the past, and clear it up once and for all. 
Apparently, someone at RentDebt LLC is not doing their job as they should, and still reported this debt as accurate - even with email proof of the discrepancy in the debt claimed by the supposed creditor. 
I am coming to you because I believe in your mission to protect us consumers. I do not think XXXX XXXX should be allowed to settle her personal scores with people using the credit reporting system. Thank you
Consumer complaint received 2018-09-24
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. (OH)

I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MD)

Payments were issued to XXXX XXXX XXXX and they refused to remove the derogatory information as agreed. They've contested a request for removal from all three credit reporting agencies. Attached please find information regarding this claim.
Consumer complaint received 2018-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KEYCORP (WA)

I was a victim of identity theft, and there was a bank inquiry from Key Bank on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this Key Bank inquiry. 

I have tried calling Key Bank branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at Key Bank - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : Key Bank XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2018 my daughter, XXXX called the customer service number for Chase Bank XXXX to close our joint checking account because me moved to North Carolina where there are no Chase Bank branches. The balance in the account was {$2500.00}. XXXX advise the representative of our new address which was different than the North Carolina address they had on file. She was told that we should receive the check in 7-10 days. 

We called Chase Bank again on XX/XX/2018 because we had not received the check and were advised they had mailed the check to the wrong address. When we advised the representative ( XXXX ) we were told that we'd need to go into a branch and complete some paper work for a lost/stolen check. We advised the representative that there are no Chase branches in the state of North Carolina we were told that we'd have to go to the nearest branch which is XXXX miles away. I was told they could not do anything further. I asked to speak with a supervisor and was told the supervisor would tell me the same thing. I insisted and was transferred to " XXXX '' who advised me that he could submit a research request on my behalf on the check. I advised XXXX that I know that we did not receive the check, and that we would not receive the check because they mailed it to the wrong address. I asked if they could place a stop payment on the check and reissue another check in its place and mail it to the correct address. XXXX advised me that he would " take care '' of if for me and I should receive the check in about 7 days. 

On XX/XX/2018, I called Chase at XXXX to advise them that I still had not received the check. I was told by the representative that the check was processed on XX/XX/2018 and I should have received it on by XX/XX/2018, but because of the Labor Day Holiday on Monday, XX/XX/XXXX it would take an extra day. 

On XX/XX/2018, I called Chase at XXXX and spoke with representatives XXXX then XXXX who advised me that they would have to submit a research request and someone would call me back that day ( XX/XX/XXXX ) On XXXX XXXX, I received a call from XXXX at Chase Bank who advised me that they had received the check back. I asked what happened to the other check that they processed on XX/XX/XXXX and was told there was no other check issued. My next question was, why would all of your other representative lie to me about mailing out the check? Which she only apologized for. She advised me that because the amount of the check was more than {$1000.00} that I would have to complete affidavits. I asked why since they already had the check in question in their possession. She told me that she would personally take care of it and get back to me.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX   who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting XXXX dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America around XXXX Bank of American closed my account due to some type of fraudulent activity they were suspicious of that I did not do to my account and was not aware of. Also funds were stolen from my account and when I was attempting to fix the whole situation they notified me they were in the process of closing my account. I had a total of around $ 400- {$500.00} in my account which was taken out and never recieved due to Bank of America accusing fraudulent activity which I had no idea why and never hardly used my account. I was trying to save my money not spend it.