davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
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. (LA)

Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXXXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXXXXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
Consumer complaint received 2017-11-10
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. (LA)

Dear Experian I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
2.XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
3.XXXX XXXXXXXX XXXX This account is reporting inaccurate. 
4.IXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MO)

I applied for the XXXX XXXX credit card offered when I was making a reservation at a XXXX XXXX. The offer promised a {$50.00} credit on my statement and XXXX XXXX XXXX points provided I used the card to charge {$750.00} in the first three months after it was approved. The card was approved on XX/XX/XXXX. I put {$760.00} in charges on the card by XX/XX/XXXX ( which is the net after a credit of XXXX ) and I have paid all the bills on time. 

I am attaching screen shots of the offer, a copy of the approval e-mail, and a record of the charges I applied to the card. 

The credit and XXXX points should have been available to me within 6-8 weeks, but they did not show up. I called American Express on XX/XX/XXXX and they opened a case to review my request. I contacted them after two full weeks and was told it was still not reviewed. I contacted them today via an online chat session and was told the case is still open and it could take up to 2 billing cycles. 

I think their responsiveness given the promises made in the online offer is terrible. There is no direct feedback provided by them. I have to contact them whenever I want more information and so far all they can tell me is that it is still under review. 

I think the circumstances show pretty clearly that I lived up to the terms of their offer, but they have not fulfilled the offer.
Consumer complaint received 2023-05-04
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)

When I brought a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am sending this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-03
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. (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. 
XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : # 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 Section2 : 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 crime 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 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

My account was hacked. I was told that the account had to remain open for the investigation and no money will be able to be taken out. Somehow the hackers was able to take out {$6800.00} and the account was overdrawn. Two direct deposits was made into the account for {$2500.00} and the bank is saying that because they wasnt able to get the {$6800.00} taken out of an account the told me was restricted I was being held liable.
Consumer complaint received 2017-02-16
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (CA)

I am experiencing financial hardship due to prolonged unemployment. I initiated a loan assistance application because I was unable to make my mortgage payments and yet JP Morgan Chase has been using Collection calls to harass me to make payments. 

I have applied for loan assistance via two applications on XXXX XXXX, XXXX and XXXX XXXX, XXXX. XXXX XXXX XXXX is my SPOC and that has not changed. 

Over the last several months, several Chase employees call and demand for different documents to be sent. 

I have complied with all their requests. I have sent the following documents : 1. Personal and Business Bank account statements. 
2. Tax transcripts for XXXX & XXXX, including all Schedules. 
3. Investment account statements. 
4. Food stamp benefit statements and 60-day Food stamp transactions. 
5. Rental condo Lease & Rent Deposits. 


All these documents have been faxed to Chase using the fax machine at one of their local branches. I have copies of these fax confirmations. My contact information, loan number and property address has not changed either. 


To resolve this continued harassment of document requests, I told XXXX that she needs to put document requests in writing. She has avoided doing so. I also told her that I will be getting a XXXX Counsellor to conference the XXXX of us so we can go over any document requests that are pending. 

XXXX Counsellor XXXX XXXX XXXX tried to conference me and XXXX on XXXX XXXX, XXXX at around XXXX PST. XXXX XXXX XXXX who got on the call told us that XXXX XXXX had gone for lunch. 

XXXX XXXX arranged for a conference call the next day at XXXX PST. XXXX avoided initiating the call and then later called back 30 mins later saying she was confused as to the exact time of the conference call. XXXX avoided initiating the conference call. 

Since then XXXX gets others on her loan assistance team to call me up and demand documents that I have already sent. This has happened over 4-5 times. 

On XXXX XXXX, XXXX I got a call from XXXX XXXX once again demanding a new set of documents. I asked her to ask XXXX to call me back, but XXXX is not contactable. 

I called XXXX XXXX, XXXX at around XXXX PST. The person who came on the phone call refused to connect me to XXXX and hung up the phone call. 

I called back and spoke to XXXX XXXX. I left XXXX a voicemail indicating once again that I have completed her document request. If there is any other document needed she needs to call and not instruct others to call me with random requests for new documentation that they make up on the fly. 

Instead of processing my loan assistance application and providing me with a loan forbearance and loan modification, JP Morgan Chase has resorted to harassment calls by Collection agencies during the day and repeated document requests by other team members in the loan assistance team but instructed to harass me by XXXX XXXX.
Consumer complaint received 2015-07-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Platinum Holdings Group, LLC (FL)

I received a call from a XXXX XXXX office, to " collect a debt on a credit card ''. the caller did not verify my information before giving me this information. The person yelled at me that they are starting the " legal process to garnish my wages '' I advised her that I have not received any information on any attempt to collect any debt.I am legally entitled to receive that and verify that so called debt is mine and that the collector is legally able to collect on any so called debt. She refused many times and told me that she is not required to do anything of that sort. Continued to threaten me on " legal action '' did not give me information on amount of debt or if there was an ability to settle on any debt. She did not even properly verify who I was. I looked on line since the company name on the voicemail was different than what she gave me and I saw many victims to this company as well. XXXX / XXXX XXXX. There was no resolution to this call as she would not listen to me and only yell and threaten me during the whole call. I would like to know what this even is! How can I be taken legal action against and I dont even know what this is! I can not know how to respond with a solution if I have no information as to what this is at all. The only information she gave me was that it was in an attempt to collect on a credit card debt. No credit card name given. This company needs shut down as they do not know how to collect said debt to anyone per all the comments I have seen plus my own experience!
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brown Olcott, PLLC (AZ)

XXXX XXXX has used a debt collection company to collect on past dues. We have disputed the debt and now they are trying to issue a default notice and foreclose on my house. I have entered my statement, regarding the debt. It is always different every time they send a new notice. I finally received an itemized statement and found missing or incomplete payments, which I have proof of. These are only the ones I found. Its possible other missing payments exist too.
Consumer complaint received 2023-10-12
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. (NV)

BACK IN 2017 SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM XXXX XXXX XXXX. AS OF RIGHT NOW THIS ACCOUNT IS CLOSED AND IT HAS BEEN PAID SATISFACTORILY BUT SINCE THIS IS A FRAUDULENT ACCOUNT AND IT WAS NEVER MY ACCOUNT I WANT THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED THE XXXX XXXXXXXX XXXX NUMEROUS TIMES, I HAVE EMAILED THEM NUMEROUS TIMES, I HAVE SENT THEM MY IDENTITY THEFT REPORT AND NOTHING HAS BEEN DONE. I HAVE NOT RECEIVED ONE EMAIL RESPONSE FROM THEM. I AM KINDLY ASKING TO HAVE THAT FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2024-10-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC (MO)

Debt Co is alleging that I did not respond to their request for more information. I felt strong enough that I could not trust them that I took a picture of the response. This picture is date and time stamped. I did mail it and I will be reaching out to the USPS because everything they do is digitized which will prove that this letter was received by Debt Co and that they acted heinously and predatorily by pretending that they did not receive a response. 

Also - prior to this letter they should have sent me the bill or evidence because regardless if they received said letter - they are required by law to respond to a dispute and THEY DID NOT. I was not mailed any more information- but i did have a phone call where the woman verified that I would be disputing the information and that I was sending a letter to that effect. I was victimized by them immediately and without cause by reporting to the credit bureau. They knew I was disputing the debt and it even says so on my credit bureau but they did not respond appropriately. 

I know my rights and I had the right to that information and attaching it to this complaint is not adequate.
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (SC)

On  XXXX / XXXX /  XXXX   I obtained my credit report pulled by   XXXX   XXXX   XXXX   in order to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  Credit Acceptance.  I have emailed, mailed, called, and faxed correspondence in regards to seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company in regards to this account.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (NC)

ATG Credit LLC  is attempting to collect a debt from me that I never established a contract with this company at all. Purchasing a debt and obtaining documentation or bills is not legal contract that binds to owe you any money at all. Furthermore  ATG credit LLC is in complete violations of FCRA by placing negative tradeline on to my credit reports which is complete slander to my name
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

No changes on my credit report and Bad Score, still getting hurt with negative and collections accounts on my 3 credit bureau and XXXX on denial credit base on my credit history that in the pass 11 years I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from report. 

I got identity theft in XXXX have filled a police report, FTC, FBI XXXX IRS. 
And again identity theft in XXXX Data Breach From the WA Department Of driver license and Motor Vehicle.