davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reel Time Capital LLC (TX)

They have been calling me and 6 of my family members multiple times a day threatening me and harassing me from XX/XX/2023 to the present day XX/XX/2023. 

XXXX XXXX 43 years of age XXXX XXXX contacting your regards to a claim that is in the process of being founded XXXX XXXX. XXXX XXXX had to make you aware that wants to claim number and is in XXXX. XXXX is XXXX XXXX. It does become a matter of public record in the world becoming order for the location since I haven't been able to reach you by phone up and instructed in contact the employer to speak directly to the supervisor. It does appear that it will be the likely place of location XXXX. You have the legal right to contact that office is felony claim to update that information telephone number that is provided is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that claim number is in XXXX XXXX is considered to be illegal notification by telephone.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I submitted a large payment for my student loans on XX/XX/2023. I received an email stating the payment was posted. When I checked again on XX/XX/2023, I saw that a notification of " payment reversal '' and that the payment was never drawn from my bank account.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Consumer complaint received 2023-10-16
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: EQUIFAX, INC. (GA)

Under the Fair Credit Reporting Act, my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681, have been violated by the list of accounts provided. I directed Equifax to conduct a reinvestigation into the following accounts : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX Equifax keep sending a computer generated letter stating that everything was accurate and complete. This assertion raises questions, especially considering discrepancies in the open date, date of last activity, and other details. According to 15 USC 1681i ( 5 ), these agencies are obligated to modify accounts that are not accurately reported. 15 U.S.C 1681, Section 602 A affirms my right to privacy. In Section 604 A, subsection 2, it stipulates that a consumer reporting agency can not furnish an account without my written instructions. Section ( a ) ( 5 ) of 15 U.S.C 1681c states that no consumer reporting agency may include certain adverse information in a consumer report, excluding records of convictions of crimes that antedate the report by more than seven years. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person is prohibited from furnishing any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Furthermore, it's evident that the credit reporting agencies are not in compliance with Metro 2 credit reporting standards. I possess evidence supporting my case. I am a victim if identity theft and Equifax data breach. I have attached a copy of the police report as well as a copy of the email were Equifax sent me a check for my personal information being apart of the breach. Despite requesting an independent discretion and providing all necessary documentation to prove the proper verification of these accounts, I have received neither. Instead, I received another computer-generated letter devoid of any supporting documentation.
Consumer complaint received 2024-02-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (OK)

Vance and Huffman are attempting to collect a debt that has exceeded the legal time limit. The debt is an auto loan from XXXX that I cosigned for my ex-husband. The vehicle was surrendered in XXXX. After calling them, a call that was recorded and they have referred to in a previous dispute, their representative told me that they had never seen a debt that old before. After disputing the debt, in retaliation Vance and Huffman have added late payments to my credit report, in XXXX on a XXXX XXXX XXXX debt that has no late payments. 

Last year I had XXXX XXXX that caused XXXX and I don't have very long to live, and what this company has done to me and my credit report has forced me to stay in a rented home in a bad area that is bleeding what little finances I have dry.
Consumer complaint received 2024-02-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CARD Corporation (TX)

I started getting emails from card.com about an account in my name. I now received a debit card in the mail. Both showed an account in my name. I tried calling the bank associated with that account and they referred me back to card.com. The problem is there is no way to contact card.com. They require me to give my full social security number which I will NOT do. So I want this account closed, marked as fraud and I want to know when and how it was created. I have a freeze on my credit so this should have never happened. There is no way to get in touch with anyone from card.com
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: OLD NATIONAL BANCORP (IL)

My clientMorris Shanfield directed me with a XXXX XXXX XXXX of Attorney to pay his rent with a {$3000.00} check written on XXXX XXXX Old National Bank checking account. 

To accomplish my clients request, I set up a separate account with Old National Bank in my own name. In to that account, I deposited XXXX XXXX {$3000.00} check. 

Instead of honoring that check, Old National Bank cancelled my account without explanation. I preempted my deposit by explaining my plan to XXXX XXXX XXXX & asked that she forward that introduction to her colleague. 

I request that Old National Bank reopen my checking account & honor my clients {$3000.00} check as my deposit so that I may secure the requisite cashier check to pay XXXX XXXX rent.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/XXXX, Chase closed and/or suspended all of our accounts. We were not notified of this until XX/XX/XXXX. By that time, several checks had bounced. Automatic withdrawals ( XXXX health insurance policies ) were not made. Monthly Social Security deposits were denied and will not be reinstated until XX/XX/XXXX ( according to SSA and AFTER we opened a new account at another bank ). Without the deposit of Social Security benefits, we had to pay XXXX out of pocket. Because of the NSF check to our water department, we can no longer pay them by check or automatic withdrawal- they will take cash only for ONE full year.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (LA)

See attached document stating why this late payment should be removed and updated on my consumer report. This clearly did no verification before slapping this erroneous late payment onto my cunsumer report damaging my credibility and reputation in the eyes of other creditors. My consumer rights have been violated and I want this wrong to be made right before further legal action to clear my name is taken.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

My husband noticed a XXXX XXXX from amazon for {$140.00} from XX/XX/2003 on chase credit card, which we did not authorized and was disputed as we were directed to do when we called Amazon, were the charge came from, the amount was disputed and AMAZON refunded the money back, the dispute was resolved, but the problem was when it never reflected on the credit card balance the balance appeared the same as it if the prime charge was never removed, I called chase several times spoke with different people and finally one supervisor caught the error but unfortunately she had transfer me to the recovery department from what I remember and said after I asked that she could not provide a direct phone number to her and that the issue had to be resolved by this specific department even tough she explain the issue before she transferred me they did not resolve anything even thought I explain many times that I completely understood that they were directing me to look at the statements they provided but never reflected that the amount brought the balance down as it would have to reflect, they told me when I disputed the amount they credited the amount and they took it back and CHARGED IT AGAIN so that is why my balance never went down because the way it was done would not reflect that amount being removed if you have any questions please fill free to reach me at one point I thought of just letting them literally rob us but then it's not right and we should not have to pay this amount, thank you, also the supervisor that I spoke last is XXXX gave me a case # XXXX this might be helpful because she is the one that understood the issue but transferred me to recovery department where nothing was solved, thank you for your time
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2023 I visited XXXX, XXXX from XXXX XXXX, CA. I made a charge at a local butcher shop using my Capital One checking account debit card. In XX/XX/2023, when I was back in XXXX XXXX I saw another charge for the same Capital One account. I disputed the charge within 5 days. 

Capital One now tells me that the card was verified with a chip. This is impossible since I and the card were thousands of miles away at the time.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I want to dispute the presence of a fraudulent account on my credit report, as provided by your bureau. Upon a recent review of my credit report, I discovered an unauthorized account that I believe to be the result of identity theft. I have already contacted the bank associated with this account XXXX months ago, and they assured me that they would remove it from their records.It has come to my attention that other credit bureaus have already deleted this fraudulent account from their records, raising concerns about the accuracy and timeliness of your bureau 's reporting. Despite my efforts to rectify this issue, the account continues to be reported on my credit report by your bureau. 
To support my claim, I have filed a complaint with the Federal Trade Commission ( FTC ) and have provided documentation to the bank regarding the fraudulent nature of this account. I kindly request that you investigate this matter promptly and remove the fraudulent account from my credit report. 

XXXX XXXX
Consumer complaint received 2024-02-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation (GA)

Heights Finance is a loan provider claiming they deposited a loan in my bank account. Although I applied for a loan of {XXXX} there was no deposit and now they're asking for {$XXXX which is not the original loan amount. They refuse to verify any deposits and have simply resulted to ignoring the request for proof. Finally, no funds were deposited to my bank account.
Consumer complaint received 2024-02-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE (FL)

USC 1692 c ( a ) : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company sent me a letter in the mail indicating that I owe a debt that I do not owe and threatened to file a judgment for this debt. 

They have been sent a letter in the mail for copyright infringement for the XXXX XXXX XXXX Estate and a Cease and desist along with a Durable power of attorney, and opt out letter. 


Please consider this matter with the utmost seriousness and urgency. Failure to promptly address and rectify this situation will compel me to take further legal actions to protect my rights and financial integrity. I expect a written confirmation from AvanteUSA acknowledging the receipt of forthcoming the letter, and confirming the removal of XXXX XXXX XXXX from their records, Opting-Out of the use of the Private Property of the Estate.
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Multiple concerns and violations of consumer rights : -never investigated my dispute ( now proven that original amount being reported was inaccurate ) -never provided itemized explanation of debt from original creditor - used abusive language over the phone - threatened to ruin my credit over phone - contacted after cease and desist
Consumer complaint received 2023-09-29
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-05
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. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX L 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (FL)

Client Services Incorporated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX call my phone 2-3 times a day from different phone numbers. Never leave a message or any details to why they are calling. Ive attempted to block their number but they use different numbers continuously to avoid being blocked. This began XX/XX/XXXXXXXX  and its been non stop every day of the week since.
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

From XX/XX/XXXX- XX/XX/XXXX, this card was 100 % paid off and not being used. In XX/XX/XXXX, I decided to purchase a new couch which was a little over {$2000.00}. In XX/XX/XXXX, I realized my Synchrony XXXX credit card was closed after logging into my account but not because I requested a closure. After calling their customer service line, I was informed the company closed my account without my consent, due to 'other " delinquent accounts on my credit report. I have a positive payment history with them and have had this account since XXXX. As a long time card member with them, this closure could have been prevented if they had communicated to me there was an issue. There are NO late payments reported from Synchrony XXXX to any of the 3 credit bureaus, no phone calls placed to collect any monies owed, nor communication prior to them closing my account. The customer service agent stated this was done to 'protect the company ', how about protect the consumer? Reach out and ask if there are any mutual remedies both parties can agree to to prevent such a situation? My credit has been negatively affected with one of my oldest accounts being closed.
Consumer complaint received 2023-10-05
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I opened up my XXXX account and realized that my credit score had went down. I looked on my report to see what the problem was and saw their was a collection alert on my report. I don't owe anyone ; I know this for a fact. This debt is not my debt. I would like this debt taken off my credit report.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

I am XXXX XXXX XXXX. Myself as well as every other service member are paid through the same payroll. Somehow chime bank aka the XXXX XXXX XXXX XXXX XXXX XXXX has lost my direct deposit countless times or couldnt tell me where my funds were for now the fifth time. They continue to use the same generic customer service replies and not addressing the issue. This is third time that Ive been stranded, or late on bills and without means to take care of myself due to their negligence.
Consumer complaint received 2023-07-27
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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