davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (FL)

I owed a credit card debt to XXXX for around {$1300.00} including late fees. This happened during the pandemic. It ended up going to a collection agency. For some reason they put the debt at around {$1800.00}. Every time I would report the amount incorrect, they would claim it was and add on another couple of dollars. Or if they noticed my credit rising, they would post the debt with a fresh date. Thereby they effectively kept my credit around the upper 500s- lowers 600s. In XXXX of XXXX  XXXX sent me a check, which the letter I still have. They said credit was due to my account, an obvious admission of the original amount of the debt being incorrect. During this time the collection agency Calvary LLC sued me. I had no clue because I never received a subpoena, thereby they won by default cause I had no notification of any court date or case. I was left with $ XXXX {$600.00} checks biweekly. Whatever check the judge looked at had overtime, holiday pay, and I was temporarily exempt from taxes. They claimed I make almost {$2000.00} biweekly which is false. They were able to rip a large amount from my checks. I had to withdraw my XXXX to prevent eviction. Also, even though they have received the money through garnishment, they still have the debt posted on my credit.
Consumer complaint received 2024-05-23
Product: Credit reporting 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. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-24
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. (IL)

XXXX XXXX Revolving account with account # XXXX opened on XX/XX/2022 and a balance of {$810.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1400.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2024-06-07
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. (MI)

Chase reversed fund n gave to XXXXi had no idea this was happening. I haven't received anything regarding investigation. And now they are telling me that they have a right to my account. And I can't make another claim.. They stole my money and chase isn't protecting me
Consumer complaint received 2024-05-24
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. (NY)

This is my 3rd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$160.00} 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 Reference # : XXXX
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-24
Product: Credit reporting 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. (NJ)

I am formally submitting a complaint regarding fraudulent activity on my credit report. After conducting research on how to remove these fraudulent items, I learned that I need to visit the Federal Trade Commission website at XXXX XXXX XXXX  to file an identity theft report. According to FCRA Section 605B, XXXX XXXX XXXX are required to remove any items listed on an identity theft report. My reference number is XXXX. Attached to this complaint, you will find the necessary documents to assist in removing the erroneous personal information and inquiries that have been posted to my report. Below is a list of items that were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CT XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies are required to remove any items in a consumer 's file that are identified as resulting from identity theft within four business days of receipt.
Consumer complaint received 2023-08-26
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: Summit A*R, Inc. (CA)

I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX XXXX  In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a debt collection letter from XXXX XXXX XXXX ( SEE 1 ) concerning a debt from XXXX XXXX XXXX. The letter was not mailed to my address, but used a relative 's mailing address. My debt to XXXX XXXX is from XX/XX/XXXX as shown on credit report from XX/XX/XXXX ( SEE 2 ). Also the XX/XX/XXXX date is evidenced by letter from XXXX XXXX XXXX (  SEE 3 ). The outdated XXXX XXXX debt from XX/XX/XXXX has been sold and resold over and over again to junk debt buyers from XXXX XXXX XXXX ( SEE 3 ), XXXX XXXX XXXX ( SEE 4 ), and XXXX XXXX ( SEE 5 ). 
In between debt sellers and buyers, my last name and account number was changed. 
My last name change can be attributed to changes on my credit report that the debt buyers had access to. 
The account number was first changed on the XXXX XXXX XXXX letter and again on the XXXX XXXX letter. 
XXXX XXXX XXXX did not issue a new credit card to me after the XX/XX/XXXX closing of the original account. That is not logical! If by some chance they did issue a new card, I did not receive it nor have made purchases ; hence, fraud is involved.
Consumer complaint received 2023-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman. 

I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in XXXX case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IN)

Around XXXX XXXX I was placed as a authorized user so I can sign up for XXXX XXXX XXXX XXXX and I received it so I can work on my credit report, I stop looking at it because I can handle XXXX credit card and I dont sign up for stuff, well here it is XX/XX/year> and I noticed my score dropped tremendously and I didnt recognize those. Accounts that had gave me a hard inquiry for
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent this request that you reinvestigate the disputed Accounts from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$8.00}
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (CA)

Self incXXXX contract started by {$9.00} charged in XX/XX/XXXX {$150.00} charged in XXXX XX/XX/XXXX but this is less than minimum payment because they deduct interest which was 14 % I believed but they deduct {$21.00}. And they applied late fee because I did meet minimum payment. 
{$150.00} charged in XX/XX/XXXX but I didnt go thru. But if they charge XXXX it would be late for sure. 
XX/XX/XXXX, contract said on XXXX every month they tried to charge {$320.00} but failed so they said to add {$15.00} late fee again haha oh and report credit score as well XX/XX/XXXX they charge {$480.00} and successful. So they which I had no problem except they failed to charged on XXXX as they listed in our contract. 
XX/XX/XXXX they charged {$700.00} but failed. Again failing to charge the date they promised Then no more, they returned to my account. They refund me partial of money but reported me as late payment. Again not XXXX every month. 

They stopped our contract. Here is my point. They had breach our contract. I didnt even care how much they would charged but they failed to do so until XX/XX/XXXX as they promised.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I was viewing my Experian Report and discovered hard inquiries that I did not authorize. Some of them also appeared on XXXX, and XXXX. Experian would not allow me to dispute them, and to make matters worst : I saw a due date on these hard inquiries. Meaning, they have the authority to continue pulling your credit as many times as they choose until their expiration date is complete, and continuing to bring your credit score down without your knowledge.

This is horrifying.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IN)

Citibank closed my account for absolutely no notice at first they told me that I had money deposited then they told me the money was fraud and didn't deposit the money AND then they told me they denied the deposited money for {$500.00} and then AGAIN they claim I owe them {$200.00} why? I have absolutely no clue
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been appointed as the Administrator of my deceased XXXX XXXX  Estate. XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The financial institution has shared my XXXX personal information with several 3rd parties without my consent or acknowledgement. 

I have received uninvited calls from strangers regarding my mother but the parties only hang up when I request information. 

This financial knows who I am, I actually bank with them so they have my contact information but instead have hired 3rd party debt collectors and have shared my deceased XXXX private information in an attempt to execute a repossession of her vehicle. 

This is a violation of mine and my decease XXXX rights to privacy, violation of the Fair Debt Collection Act, Security, Insurance and Tax fraud.
Consumer complaint received 2023-08-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Health Corporation (KY)

HillCrest Credit Agency XXXX XXXX XXXX XXXX has 7 different charges of alleged medical debt that they are actively reporting to the credit bureaus against me for a total amount of {$41000.00} This amount is absurd and totally false, and I have receipts to prove so. I have sent HillCrest Credit Agency 3 debt validation letters months ago, 2 by certified mail and one of which I dropped off at their office in person. HillCrest Credit Agency has refused to respond entirely to the debt validation letters, yet they continue to report the inaccurate charges monthly to the 3 major credit bureaus. On XX/XX/2023 I called their office at XXXX XXXX  and spoke with XXXX XXXX. I explained that I had sent the agency 3 debt validation letters however I have not received a response. I advised her this was a direct violation of the Fair Debt Collection Practices Act. She stated that it wasnt. She was very rude and stated she wasnt able to give me any information, and further stated I needed to contact an attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY. I explained that first and foremost, I have been in contact with XXXX XXXX XXXX, I have all responses to the suit filed from XXXX XXXX XXXX on file with the XXXX XXXX XXXX, in regards to the ongoing lawsuit. Additionally, XXXX XXXX XXXX XXXX XXXX have not responded to my most recent response placed on file with the Courts, of which is now over a month with no response from them, as I check daily with the Court Clerk. Furthermore XXXX XXXX XXXX has not been able to provide a debt validation letter either, and multiple request were sent to them as well. Lastly, XXXX XXXX XXXX has no mention of HillCrest Credit Agency in the Court Documents filed against me. HillCrest Credit Agency is not listed as a Creditor, neither any debt is listed as owed to HillCrest Credit Agency neither is HillCrest Credit Agency listed as a party represented by XXXX XXXX XXXX. Most Importantly, the law office is NOT reporting this alleged inaccurate debt to the three major credit bureaus but HillCrest Credit Agency is the party doing so. I advised if they are reporting this debt to the credit bureaus on a monthly basis, with the most recent reporting on XXXX XXXX, they need to validate the debt they are reporting. She stated she was going to hang up in my face and then proceeded to do just that. HillCrest Credit Agency is directly in violation of the Fair Debt Collection Practices Act, and participating in bad and unethical business practices. It is my right as a consumer to have an alleged debt validated. Any alleged debt by the Debt Collector should be validated within a reasonable amount of time, or cease reporting it to the credit bureaus if they are not able to validate it. Additionally, HillCrest Credit Agency is inaccurately reporting a debt and when asking for information on this alleged debt, they are verbally stating they can not provide me any information.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.
Consumer complaint received 2019-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (OR)

On XX/XX/XXXX I opened a KeyBank checking account ( KeyExpress CheckingAccount Routing Number : ending in XXXX ; Account number : Ending in XXXX ) using promotional coupon code " XXXX ''. I funded that checking account with an initial deposit of {$50.00} ( XXXX dollars ). 
On XX/XX/XXXX I contacted KeyBank by phone and requested to close that checking account. The KeyBank representative stated that she was unable to close the account due to a " pending transaction ''. I found that an unusual reason not to close the account, but I agreed to call back at a later date, once the pending transaction had cleared. 
On XX/XX/XXXX : I contacted KeyBank by phone and once again requested to close the checking account. I was transferred to a representative named " XXXX '' who posed several barriers to me closing the account. She used several tactics and tried to coerce me not to close the account. After several minutes on the phone, I insisted that I wished the checking account to be closed immediately. " XXXX '' then said that I would be charged a fee for closing the account. I disputed that claim since the terms and conditions that I signed upon opening the account didn't contain that information. It seems that charging customers a fee for closing a checking account that has been in good standing, without any derogatory marks or transactions, would be an illegal act. At the time I asked to close the account, the available account balance was {$50.00} ( fXXXX dollars ). 
Several days later, I received a check from KeyBank for the remaining funds in that checking account : {$25.00}. Therefore, KeyBank kept 50 % of my initial deposit as an arbitrary fee ( and as a way to punish the consumer ) for closing the account.

Please assist me in recovering the {$25.00} I'm still owed by KeyBank. 
Thank you.