davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I traveled to XXXX and rented a vehicle from XXXX from XX/XX/23 till XX/XX/23. I took pictures of the vehicle condition report when I picked up the vehicle and when I dropped it off. The vehicle condition reports were signed by both parties and were identical. They did not show any additional damages when the vehicle was dropped off, and the photos I have included show properties of when and where they were taken. The receipt they provided to me was charged an hour later from when I dropped off the vehicle and it did not have my signature authorizing this charge. I was already at the airport checking in for my fight when they charged my account. I also had full coverage from a third-party company that they are affiliated with for which they should have used to recover any such dames instead of charging my Chase credit card. I have tried numerous times to resolve this issue with Chase, but they refuse to honor my documents i provided to them and have sided with the merchant.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (TX)

On XXXX XXXX I became XXXX  XXXX. I have 3 credit cards that were issued by a Genesis FS Card Services that has been recently taken over by Concora Credit. I have credit protection on all three cards. I contacted the company and uploaded the information as requested to initiate credit protection on my accounts. Benefit payments were not being paid so I contacted the company again. The agent stated that the request was still being processed. It is now the end of XXXX and credit protection benefits are not being made.
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (TX)

On XXXX XXXX I became involuntarily unemployed. I have 3 credit cards that were issued by a Genesis FS Card Services that has been recently taken over by Concora Credit. I have credit protection on all three cards. I contacted the company and uploaded the information as requested to initiate credit protection on my accounts. Benefit payments were not being paid so I contacted the company again. The agent stated that the request was still being processed. It is now the end of XXXX and credit protection benefits are not being made.
Consumer complaint received 2023-12-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC (AL)

Illegal collection practices that violate collection laws pertaining to calling within 7 days of making contact, as well as calling others and discussing what the call is pertaining to. This company has violated this multiple times within the last year, when brought up the most recent time I was hung up on.
Consumer complaint received 2023-12-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I was contacted by XXXX XXXX XXXX on XX/XX/2022. I don't know who I was speaking to, because there's always new management personnel. I was asked when will I be paying my XXXX, rent? I said why would I do that, I moved. I was asked when did I move. I said XX/XX/2022 I was asked did I leave the keys. I said of course. I was asked with who I said the new gentleman that works there. I was asked, did I sign release of the apartment I said yes. I wasn't contacted again until XX/XX/2022 by email saying I owe 2 months rent and cleaning of the apartment. I told them I had proof I moved. I don't know why it's being ignored. I also emailed XXXX XXXX saying I wouldn't be renewing my lease. I was just laid off work I couldn't stay there even if I wanted to. XXXX said I owe XXXX, XXXX dollars. I'm disputing this charge. I notified them I wouldn't be renewing the lease. I vacated the premises on XXXX XX/XX/2022. I have my truck lease my storage lease, and proof when my utilities were cut off. I wasn't living there. They're trying to charge me for water and sewage I never signed a lease to pay water and sewage.
Consumer complaint received 2024-04-16
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2018-11-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (NJ)

1.- On XX/XX/XXXX & XX/XX/XXXX received at my address letters from XXXX XXXX XXXX XXXX XXXX . debt collectors for XXXX XXXX XXXX. indicating that judgments ( 2 ) had been entered in Superior Court of New Jersey : Law Division XXXX Special Civil Part ( Docket Numbers XXXX and XXXX.

2.- I am not XXXX XXXX XXXX , but XXXX XXXX XXXX  3.- Their letter indicates they are trying to collect amounts dated the year XX/XX/XXXX. They represent XXXX XXXX  purchaser of these debts from XXXX  and XXXX  ( South Dakota ).

4.- I have never had any dealings with either XXXX or XXXX.

5.- I have never received any notice of any debt from these companies or from any entity until the letters indicated in number 1 above.

6.- Further, during the year in question ( XX/XX/XXXX ) I was not resident of the state of New Jersey .

7.- I have requested from the debt collectors copies of all pertinent documents related to this matter i.e. credit applications, date of purchases, payment history and any and all correspondence to me, legal or otherwise.

8.- Seems that XXXX, XXXX  and XXXX  are trying to collect amounts based on incorrect information, but targeting my address and name even though they have a middle initial that does not correspond with mine.
Consumer complaint received 2023-12-20
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. (PA)

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc., are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2018-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meyer & Njus, P.A. (IL)

Back in XX/XX/XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XX/XX/XXXX, so I had the original balance in the paperwork and I explained this to the Representative.

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX and was told they can not do this. The attached letter is what I received and that is all, no other communication.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-04-16
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. (LA)

I have disputed these unauthorized with the creditors and consumer reporting agencies these transactions are unauthorize inquiries. 

Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc. (FL)

I have been reporting that somebody called XXXX XXXX is using my name and getting into debt using my credit. Now I got a call from FMS Financial Solutions asking for a payment on a debt that this thief ( XXXX XXXX ) got in XXXX XXXX XXXX XXXX in XXXX, XXXX Like I mentioned in my previous reports, I live in Florida and I have never been in Oklahoma in my life. I need this removed from my report, and to have FMS and the XXXX remove me from that debt that doesn't belong to me.
Consumer complaint received 2017-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Attempted today, XX/XX/XXXX, to get my mortgage servicer, XXXX XXXX XXXX d/b/a " Mr. Cooper '' to postpone the scheduled foreclosure sale of my home ( XX/XX/XXXX ) in order to begin a loan modification. I was unable to afford any modification prior to today. 

A modification, according to them, must be requested 37 days before the scheduled sale date of the home. 

While the servicer is willing to engage in a modification, they are so far refusing to postpone the sale, which is scheduled for Monday, XX/XX/XXXX. I know that, if they postpone the sale for 45 days, that would be enough time to have begun the modification process and make the first trial payment.
Consumer complaint received 2023-07-10
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (CA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (NJ)

I am writing to follow up on my dispute regarding the hard inquiries on my credit report that were conducted without my explicit consent. After a thorough review of my credit file, I discovered two unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (FL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-09-25
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-16
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. (NC)

several attempts to get 2 accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I am filing a complaint against XXXX XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). The situation involves the unauthorized authorizations with XXXX. 

I formally requested the cessation of any and all authorization-related activities concerning my credit card and auto loan accounts with XXXX, in accordance with the FCRA ( 15 USC 6802 ). This includes written, unwritten, verbal, or non-verbal authorizations that may have been given. As of XX/XX/2023, I have not received any acknowledgment of resolution. 

Enclosed with this letter is my original correspondence to XXXX, dated XX/XX/2023, outlining my requests and seeking confirmation in writing that my concerns have been addressed. 

I seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected and that XXXX XXXX XXXX Bank complies with the provisions of the act. I believe third-party intervention is necessary to facilitate a resolution. 

If additional information is required or if you have any questions, please contact me at the provided contact information. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery XXXX Sent me an alleged debt collection Letter on XX/XX/2021. 

Did not provide proof of sale for the alleged debt or chain of the assignment. Only stated they bought the alleged debt. I would need to pay the alleged debt.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This grumbling to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.