davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-15
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

I recently became a victim of identity theft, where someone fraudulently obtained and misused my personal documents. This unauthorized access has led to various consequences, impacting my financial and personal security. I'm taking immediate steps to address the situation, such as filing a police report, contacting credit bureaus to place fraud alerts, and updating passwords for increased security. It's a challenging situation, but I'm actively working to mitigate the effects and protect my identity moving forward
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (FL)

on XX/XX/XXXX, I made a Verve credit card payment over the phone with a representative in the amount of {$60.00}. I only authorized an XXXX debit of {$60.00} and the credit card company deducted {$600.00} from my account. They left me with {$.00}. On XX/XX/XXXX, I was trying to withdraw cash from my checking account and my request was denied due to insufficient funds. I looked at my checking account and noticed the huge error made by the credit card company. I called right away and I was basically told they will put in a complaint and I have to wait 3-5 business days. I advised them that they were not authorized to debit {$600.00} from my checking account and they can check their recording to verify. The initial representative I spoke with that day admitted the error should have been caught. I also advised them that they took everything I have and there was no urgency on their part even though it was clearly their error and a very impactful one.
Consumer complaint received 2024-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

My XXXX has XXXX XXXX. Therefore is Insurance is responsible for the XXXX Balance not me. My XXXX  XXXX XXXX has XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX His XXXX member number is XXXX. I repeat XXXX. His XXXX insurance was already in place in the system before I took him to XXXX XXXX XXXX associated with XXXX XXXX XXXX back in XX/XX/2023. His Insurance coverage has been Active. Always Active. Therefore I'm not responsible for bill. His XXXX  XXXX is to COVER all of his medical EXPENSES. that's what it is there for!!! My name is XXXX the father. I demand this get resolved!
Consumer complaint received 2024-01-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I was only XXXX XXXX XXXX then and my name appeared as an occupant on the apartment lease. My father, XXXX XXXX, was the sole lease holder because I was too young to co-sign.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo (MI)

The creditor has violated my rights under 15 usc 1681 section 6 ( o ) states I have the right to privacy.15 usc 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions, under 15 uscs 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

Since XX/XX/XXXX my bankruptcy was deleted from LexisNexis as of the writing of this complaint. This has not been resolved, after XXXX phone calls and letters being sent they have refused to send the letter stating my bankruptcy was deleted I have spoken to many XXXX from their company all of them have agreed and supervisor have confirmed that the other department has not sent this letter after being requested to be sent out. The case number is XXXX I have been lied to many times behind this unprofessional tactics of peoples information including mine. 


XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

This account was paid in full now this company still stating that I owe {$210.00} still I also explained I was a victim in identity theft this company has been harassing me for four years I paid them every dollar
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (IL)

I am writing this request to XXXX XXXX  that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-01-09
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bridge IT, Inc. (MD)

Daily I receive an email from XXXX trying to collect on a past due balance. I've advised them to cease emailing me, however they tell me that their system will send emails until the debt is paid. They advised me that they do not have the technical ability to stop the emails. 

This is not my problem, I should be able to direct a company to cease contacting me via email.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY (TX)

My loan account with American Express is XXXX for {$23000.00}, and the first payment due date is XX/XX/2023 for {$720.00}. 

On XX/XX/2023, I paid online for the amount of {$800.00} from my XXXXXXXX XXXX  account for the first time. 

On XX/XX/2023, American Express contacted me, and there was an ACH payment for {$800.00}. See the bank statement. 

On XX/XX/2023, I paid online for the amount of {$800.00} from my XXXXXXXX XXXX account. 

I talked to the American Express customer service supervisor ( XXXX ) on the phone XXXX ( XXXX ) times and uploaded the above copy to the American Express account each time ( XXXX XXXX & XXXX XXXXXXXX ). 

I need an answer from American Express to let me know where my payment of {$800.00} is and why it was not credited to my loan account. 

I attached a copy of my bank statement from XX/XX/2023, through XX/XX/2023, and XXXX copies of Proof of payments.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AR)

Chase Bank Closed my Account due to race days after I filed a complaint about low approvals and limited benefits to XXXX XXXX  customers violating the equal credit opportunity act, while a protected class of people enjoy the fruits of their heritage those are non XXXX and XXXX customers that get outstanding approvals with little to no credit compared to other races, I will post this bad behavior on XXXX XXXX for customers to see how bad this bank is treating minorities.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (IL)

I am writing this request to XXXXXXXX XXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.
Consumer complaint received 2024-01-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

My closed Citibank XXXX XXXX was paid off prior to my booked flight. The day of my cruise my flight got canceled. I asked that my money be refunded to my original form of payment. They stated they couldn't do it and sent me several checks for the XXXX flights. Now they are saying I owe them over {$400.00} and they're destroying my credit. I disputed this and they denied my claim. 

Please help!
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2024-04-15
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. (CT)

XXXX XXXX  has put a charge off amount for {$350.00} dollars on my credit report They said it was a charge of from XXXX XXXX XXXX  from XXXX. I never had a acct with XXXX  XXXX ever since XXXX. That acct was opened fraudulently. I ask them to provide 4 things 1 # The original contract from the original creditor with a wet signature 2 # The original creditor information 3 # A copy of all transaction from the original creditor 4 # A sign letter of permission from myself to the creditor to release and or sale my information to a XXXX party
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite successful resolution and removal of fraudulent accounts by other credit reporting agencies, it appears that your bureau has yet to take appropriate action to rectify the situation. This persistent inclusion of fraudulent accounts on my credit report is causing significant distress and harm to my financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that other credit bureaus have promptly investigated and removed the disputed fraudulent accounts from their reports, demonstrating their commitment to accurate and fair reporting. However, your bureau continues to report these inaccurate and damaging accounts, raising serious questions about the efficiency and effectiveness of your dispute resolution process.
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MD)

To Whom It May Concern : I am submitting a complaint regarding inaccurate credit information and improper debt collection practices by Amsher Collection Services ( also doing business as XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my disputes, they continue to report incorrect debt information related to an alleged XXXX account. 

On XX/XX/XXXX, a collection account was added to my XXXX, XXXX, and XXXX credit reports by Amsher, showing I owe {$730.00} on XXXX and XXXX and {$730.00} on XXXX for a XXXX debt. However, Amsher failed to properly notify me of my right to dispute this debt and also has an incorrect address associated with the account. 

I have no knowledge of this debt and assert I do not owe Amsher Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  any money. The inconsistent balance amounts they reported on the three credit bureaus also demonstrate the inaccuracy of this supposed debt. Amsher Collection ServicesXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has no proof of this debt actually belonging to me. 

I sent Amsher a written dispute on XX/XX/XXXX explaining all these issues but received no response. They continue violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act by failing to validate this illegitimate debt and not correcting erroneous credit information when disputed. 

I am prepared to enforce my rights under federal and state debt collection laws through legal action if they remain non-compliant. Please help me resolve this issue with Amsher Collection ServicesXXXX XXXX XXXX XXXX XXXX XXXXXXXX . 

The account number : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and the one reported on my credit report lists a partial account number but is : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C. (MO)

This agency has ignored my certified letter and complaint requesting for validation of the debt they are alleging that I owe. I asked for the purchase agreement or forward flow agreement as well as the chain of title and I have been ignored. I have no contract with this agency and they seem to have acquired my personal information without consent. I am not asking for the bill of sale I am asking for the forward flow agreement. I was unaware of debt with this company and did not sign any contract with them. No consent is identity theft.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/23 XXXX took out a XXXX  XXXX  charge for {$330.00} I had thought I cancelled my sons tutoring in full so I called Citizens to file a claim. 
On XX/XX/23, the claim was approved On XX/XX/23, XXXX took out another reoccurring charge for {$330.00}. 

This time I called XXXX directly to make sure it was cancelled. XXXX credited my account back directly. 

On XX/XX/XXXX, Citizens debited my account {$330.00} citing an overcharge. They said that since I was credited by XXXX, I didnt need their credit. I walked them through my transactions. The rep said that she agreed and apologized for the mishap. She submitted a second review. The second review was also denied citing their original excuse! They have given me fake emails, blatantly lied to me, and have still yet to refund me for their mistake.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 my bank accounts were hacked into. I left work to Chase bank to report this incident. The bank officer explained that a phone call for a bank card replacement had been made by someone in Florida. So the bank mailed it out.. received absolutely no alerts from my bank as to the card being issued, nor the transactions and transfers that were taking place!!!! 
The bank officer closed all my hacked accounts and ordered new bank cards and accounts for me. 
I was reimbursed the fraudulent transactions. 
I was then notified that only partial transactions would be approved and the other monies would be deducted from my account. 
I sent a fax letter explaining that I never requested any replacement bank card to be issued!!! I also explained how could I make these transactions in Florida when I was at home in XXXX CA. I explained that I was at my place of employment and the at my Bank the morning of the transactions. 
The fraud department didnt care! They need more information but wouldnt say what information they needed.
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (NY)

Barclay settled debt with me XX/XX/2018, account was converted to a XXXX XXXX owned by XXXX XXXX XXXX XXXX. Since account was previously settled before being converted I owe no debt to XXXX  XXXX, but credit report is showing status as charged off with a balance of {$2100.00}. Even after Barclay Bank put settled on credit report. XXXX XXXX changed status to show that I still owe them debt, and has marked my credit report with more late payments. Further damaging my credit. I have contacted them since XX/XX/2018 but keep on getting the run around of it being taken care of. Instead late payments are showing on my credit report to debt that I have settled with original creditor ( Barclay Bank Delaware ) and credit score has dropped making my credit unworthy of applying for student loans.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (IN)

I had a XXXX month subscription to XXXX. The subscription was reasonable, I used XXXX to pay it. But I didn't have any luck. It's a terrible app. I Lost interest and let it lapse The next month I noticed a 400 % balloon payment on my XXXX account ( which was paid BTW ) and so I promptly put a stop payment on the account and deleted the account. A few months later I receive a phone call from a debt collections agency called XXXX telling me I owe them {$400.00}. I panicked, I flip out. I have a mortgage. I can't afford to pay that I'm already strapped because of the holidays. I'm just a XXXX XXXX XXXX XXXX I don't have a lot of money. I've worked hard for what I have and the credit rating that comes with it. I try to access the old account and I can't because it doesn't exist any longer. I send an email to support. They tell me it doesn't matter if I deleted it I didn't cancel the subscription. That they sent two emails ( That I never saw, Probably ended up in junk ) and now I owe them for services rendered. How can I receive said services with no account? This is a criminal operation preying on lonely people like myself and I refuse to allow them to extort me. My next step is small claims court.
Consumer complaint received 2023-08-30
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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