davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$120.00} ; XXXX XXXX Balance Owed : {$290.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX BalanceOwed : {$10000.00}.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-07-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson and Kennard (CO)

Nelson & Kennard attorneys at law XXXX XXXX XXXX XXXX, CA XXXX To Whom it may concern, This letter is being sent to you in accordance with 15 U.S. Code 1692 of the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that you have engaged in actions that violate the provisions outlined in the aforementioned statute. I demand that you cease and desist from further violations immediately.

Specifically, I am asserting that your actions constitute unfair or unconscionable means to collect or attempt to collect a debt. Your conduct includes, but is not limited to, the following : 1. Using harassing or abusive tactics in connection with the collection of a debt. 
XXXX. Making false, deceptive, or misleading representations in connection with the collection of a debt. 
XXXX. Using unfair or unconscionable means to collect or attempt to collect a debt. 

These actions are clear violations of the FDCPA to name a few, 15 U.S. Code 1692b ( 2 ) ,15 U.S. Code 1692c ( c ) ,15 U.S. Code 1692e ( 2 ) ( A ) ,15 U.S. Code 1692e ( 3 ), these are just a few of the statutes that you are violating and they are causing undue mental and financial distress and inconvenience to my life. 

I demand that you immediately cease and desist from any further communication or attempts to collect the debt in question. Pursuant to 15 U.S. Code 1692 ( c ), you are hereby notified to cease all communication and collection with me, except as permitted by the FDCPA.

Failure to comply with this demand will result in further legal action being taken against you. Please be advised that I am prepared to pursue all available remedies under the law to ensure that our rights are protected.

Furthermore, please note that this letter is not an acknowledgment of any liability on my part, and it is sent without prejudice to our rights and defenses, all of which are expressly reserved.

I expect your prompt compliance ( as stated 15 U.S. Code 1692g ( a ) ) with this demand. If you have any questions or concerns regarding this matter, please do not hesitate to contact me. 

Also 2 forms of Identification were sent on my behalf as well with the letter.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Whom It May Concern ; I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ;
Consumer complaint received 2023-10-10
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. (NE)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

In XX/XX/year> I was furloughed from my job that I held for XXXX years at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of XXXX. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a XXXX % payment history, not XXXX single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about XXXX negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, I cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. XXXX has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am currently back on Unemployment Compensation and I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, XXXX has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again. 

***So now I have a pending judgment in XXXX XXXX XXXX XXXX XXXX XXXX Ohio from a debt buyer who is trying to put a judgement on my credit report from when I was out of work due to the Covid Pandemic. I will upload the court papers to this complaint. Im not sure why they are hitting me so hard now after XXXX years since the pandemic started but this is not right. And the original Debtor just issued me a secured Credit Card, I havent even received it in the mail yet for {$200.00} because Im trying to build my credit back up but the debt buyer is suing me?? How does that make any sense at all. Please help me with this!
Consumer complaint received 2023-10-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Hello -- In XX/XX/2023, I closed a saving account with Chase bank. When I went to access those records in order to complete my taxes, they had disappeared. Chase claims that I am not entitled to those records once the account is closed. That is ridiculous. Chase tried to pull the same thing 5+ years ago when I closed another account. That time I went to a branch office where staff said they could print out records at a cost. I complained to the manager and threatened to file a complaint, and suddenly Chase made those records available to me. These are my records and I am entitled to them for a reasonable amount of time, even if the account is closed. I continue to have a Chase checking account and two credit cards owned/managed by Chase. The cost to Chase to give me online access to those records is negligible. The IRS can demand records for 7 years. I must have access to those records for tax purposes. I should not have to pay Chase per page for my records. That reeks of extortion. How many customers are being forced to pay per page for their records?
Consumer complaint received 2024-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I deposited over {$250000.00} more than XXXX months ago, following instructions from Chase representatives. They confirmed that my deposit into the preferred deposit account qualified for a {$2000.00} bonus. Despite this, I have not received the bonus. My tracking number is XXXX. Since XX/XX/year>, I have reached out to Chase multiple times via phone and email, but my {$2000.00} bonus still has not been processed. Can you please look into this? Is Chase going to provide the bonus, yes or no?
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (MI)

XXXX, XXXX, and XXXX are reporting incorrect information on the consumer report they are furnishing. My name is XXXX XXXX and my address is po box XXXX XXXX XXXX MI XXXX there should be no other personal information being release failure to address concerns I will pursue legal action.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.
Consumer complaint received 2023-10-11
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. (AL)

I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/2023, I received an email from Capital One stating that they received an application for credit and would be contacting me shortly. i did not submit an application for credit. I also received a notification email from XXXX about the inquiry for credit. 

I immediately contacted the ( 3 ) main credit bureaus to report a fraud alert ; I contacted Capital One, which they stated they would send the application for credit to their fraud department ; and I submitted a police report online. 

XXXX Credit Bureau stated for me to still contact FTC and make the report, which is why I am providing this information. All three credit bureaus do have a fraud alert on the accounts for one year.
Consumer complaint received 2023-10-11
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)

I am filing this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft, and I am providing the following details for your attention : XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. Please delete this account ASAP. I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing to request the removal of inaccurate late payment information on my XXXX, Experian and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, XXXX, and Experian and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXXXXXX XXXX XXXX XXXX account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment inaccurate.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I am writing to request the removal of inaccurate late payment information on my Equifax, XXXX and XXXX credit report. Up until this recent account issue, l 've had no missed payments with with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX since my credit card was first originated or ever in my credit history lifetime. 

I recently pulled my credit report with XXXX, Equifax, and XXXX and discovered I now have a XX/XX/2023 missed payment reporting on my XXXX XXXX XXXX XXXX XXXX account ( XXXX XXXX is the underwriter ). 

My XX/XX/2023 XXXX credit card statement states a payment was due by XXXX XXXX, as shown in the attached page of my statement. On XXXX XXXX, a payment for the minimum balance, {$440.00} was made, as shown in the attached photo. 

Thus making my missed XX/XX/2023 XXXX credit card payment inaccurate.
Consumer complaint received 2023-10-11
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just got out of prison XX/XX/XXXX and starting my own business in XX/XX/XXXX I discovered I was a victims to identity theft and been steady trying to recover... 

XXXXXXXX XXXXXXXX is a lender I discovered works exclusively on loans for cars... 
They have approved a loan for someone else other than me but with my name. They allowed a car to be leased to someone that I don't have... I've contact credit bureaus XXXX XXXX and made police reports with the local department and filed with the FTC
Consumer complaint received 2023-10-11
Product: Mortgage — Other type of mortgage
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: KEYCORP (UT)

i AM A KEYBANK CUSTOMER MEANING I HAVE A CHECKING AND SAVINGS ACCOUNT WITH KEYBANK. 
KEYBANK SENT ME OFFERS ABOUT THIS COMMUNITY BASED MORTGAGE LOAN OPPORTUNITYTHAT WAS AVAILABLE WHERE YOU CAN ALSO GET A {$5000.00} CREDIT.AND NO DOWN PAYMENT WAS REQUIRED. 

i APPLIED FOR THIS COMMUNITY BASED MORTGAGE LOAN AND IT TOOK THEM WEEKS TO REPOND. MY APPLICATION WAS ASSIGNED TO XXXX XXXX. SHE ACTED LIKE IT WAS A BIG DEAL AND REQUESTED A LOT OF INFORMATION AND REQUIREMENTS. WHEN SHE FINALLY WAS WORKING ON MY ELEGIBILITY SHE RESPONDED BY EMAIL AND PHONE WHAT ELSE WAS NEEDED. ALSO, SHE ENDED UP SAYING ONCE SHE GOT MY CREDIT REPORT THAT MY DEBT TO ASSET RATIO WAS TOO HIGH, SAID THAT I HAD A MORTGAGE LATE PAYMENT WITHIN THE LAST 12 MONTHS WHICH WAS NOT PERMISSIBLE I GOT NO DOCUMENT SHOWING MY DEBT TO ASSET RATIO WAS TOO HIGH, I ALSO INFORMED THAT THE 12 MONTHS PERIOD WHERE THERE HAD BEEN A LATE PAYMENT WOULD HAVE ENDED THE END OF XXXX AND NOT FROM XXXX TO XXXX BECAUSE THAT WOULD BE 13 MONTHS AND THEY PAID NO ATTENTION. 
I BELIEVE THIS COMMUNITY BASED MORTGAGE LOAN PROGRAM DOES NOT EXIST AND IT IS OFFERED TO ATTRACT CUSTOMERS.. THE WHOLE ORDEAL WOULD BE PRODUCT FRAUD AND LIES. 
XXXX XXXX GOT ME APPROVED FOR ANOTHER MORTGAGE LOAD THAT REQUIRED A DOWNPAYMENT OF AT LEAST 5 % AND NO {$5000.00} CREDIT. WHICH I HAD NOT APPLIED FOR. 
THEIR MORTGAGE LOAN APPROVAL LETTER AND OTHER INFORMATION SENT TO ME BY EMAIL REQUIRED THAT I ALSO GET A RENTAL AGREEMENT ON MY CURRENT HOME AND TURN OVER RENTAL DEPOSITS TO KEYBANK. 
I WAS THINKING ABOUT RENTING MY CURRENT HOME IF I WAS ABLE TO GET A SMALLER HOME UNTIL IT COULD BE SOLD AT A REASONABLE PRICE EVENTUALLY. BUT THIS BANK WANTED CONTROL ON ALL MY MONEY AND DEALING WHICH IS ILLEGAL AND FRAUD IS ILLEGAL. 
FINALLY WITH ALL THE DELAY AND PROBLEMS THEY CREATED I LOST THE PROPERTY THAT I WAS INTERESTED AND IT WAS SOLD TO SOMEONE ELSE. 
THE ACT OF FRAUD NEEDS TO BE PUNISHABLE BY LAW.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc. (TX)

i XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX PHONE XXXX I XXXX XXXX XXXX : XXXX had cancelled transaction of amount {$28.00} Date : XX/XX/2023. 


My Pre Paid Center will not release amount. It is now XX/XX/2023. 

You cant talk to any employee at this card company. 

Please help. 

Thank you.
Consumer complaint received 2023-09-25
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-11
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX Balance Owed : {$30000.00}
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, 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. (VA)

XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to Experian they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb report
Consumer complaint received 2023-10-11
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX Balance Owed : {$30000.00}
Consumer complaint received 2024-06-14
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: MARINER FINANCE, LLC (NY)

My wages are currently being garnished by Mariner Finance by order of court which began with the first payment on XX/XX/year> and the last payment on XX/XX/year>. Mariner is not updating this info or showing my correct new balance due amount or payment amounts or payment dates. All XXXX credit bureaus have a wide range of information not even close to one another and its severely damaging my credit score. I have disputed the account over XXXX now with XXXX and my account fails to be updated or removed from my report. Even after sending them proof of payments and total amount paid ( copies of the court order and copies of my paystubs showing the garnishments ) Mariner finance also has yet to provide me with updated balances or a ledger of payments after 4 months of taking my wages, I think they are highly unprofessional and their work is sloppy.