davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (TX)

While on vacation in XXXX, my fiance and I were taken to a custom clothing store ( XXXX  ) where we ordered custom suits, shirts, shoes, and dresses that were supposed to be shipped to us. We were advised that the items would be shipped to us via XXXX and, in lieu of a receipt, we were provided the XXXX contact information for the sales representative. However, we never received any tracking information for the items and our attempts to reach the salesperson were unsuccessful. When I attempted to locate alternate contact information for the vendor, I came across a multitude of negative online reviews posted by other American tourists who also never received any of items they purchased from XXXX. After learning that my experience was not an isolated incident, I filed a credit card dispute with Chase. However, Chase incorrectly classified my dispute as an " in-person '' transaction and promptly denied my dispute when the merchant provided a fraudulent/forged document bearing my signature which I never signed. Chase also provided contradictory information regarding the status of my dispute during my last two phone calls in order to stall any follow-up efforts on my part until after the dispute period ended.
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (CO)

XXXX XXXX XXXX sent me a letter claiming that I owed {$1700.00} to Pendrick Capital Partners who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached. 

I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time. 

I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE. 

XXXX XXXX XXXX is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

Pendrick Capital Partners is registered in Delaware. Their registered agent there is XXXX  XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.
Consumer complaint received 2024-01-08
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. (MD)

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 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

A previous partner of a joint venture operation conducted Fraudulent Schemes ( on police report as a felony charge ) using our investor 's money and despite showing them where the money originated from and the promissory note for the money. We placed a multitude of fraud holds on the accounts ( just as we were told to do by Bank of America ) that amounted to nothing. 
This in turn, allowed the previous partner to steal over {$160000.00} from our investor and the bank did NOTHING despite us showing them everything ( even including documents showing the joint venture ). 
As a business owner, stay away. Unless you are looking into a bank that ignores very apparent issues and want to pay a lawyer to sort out everything for you.
Consumer complaint received 2023-08-02
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
Bankruptcy XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX  XXXX XXXX XXXX : {$800.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Our house burned down on XX/XX/2016 and was a complete loss. As our primary mortgage holder, Nationstar Mortgage ( d/b/a Mr. Cooper ) was given a large amount of coverage funds from our insurer and put into escrow to issue disbursements for rebuilding our home. Nationstar refunded my wife and I the amount of the insurance proceeds above the balance of our mortgage. When we called Nationstar 's customer service/loss draft department, a representative explained that they were not entitled to keep more than the mortgage balance in the escrow account. We fired our contractor based on numerous violations of the construction contract and New Jersey consumer fraud statutes. Despite already having received insurance proceeds up to the mortgage balance, issuing a refund check to us and representing this was their policy, Nationstar has told our insurance carrier that additional insurance proceeds must be placed in their escrow account. They have also insisted that any funds they receive go to pay our former contractor, who filed a bogus lien claim against us. This leaves us with little money to complete the rebuild and will make our partially completed home essentially worthless. Further, our tax assessment after our house was destroyed was decreased by roughly 65 %. Yet Nationstar still takes their full cut of the original tax payment in our mortgage payment each month. We have requested reimbursement for their overcharging but have gotten no response. They have both reneged on and misrepresented their escrow policies while taking taxes beyond the prevailing rate after the fire. We are making our full mortgage each month while having to rent housing for our family. We are being bled dry and about to lose everything because they won't help us rebuild our lives and our home. Nationstar is intentionally and unconscionably forcing us into foreclosure and financial ruin.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I asked the credit bureau to do a verification of everything on my credit report. They did, and stated that everything was accurate. I did a thorough research of my own and found improper inaccuracies on the credit reports, even after they did their thorough research. 

In accordance with the Fair Credit Reporting act, the following 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 have violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RS Clark and Associates, Inc. (TX)

RS Clark and Associates has illegally violated my federal rights as a consumer against both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Reporting Act ( FDCPA ). RS Clark and Associates actions have caused injuries, damages, mental anguish, and negative impacts to both my character and reputation in which remedy is owed to me due to your negligence. RS Clark and Associates, who indeed is a credit reporting agency, has unfairly, partially, and disrespectfully violated my rights to privacy as a consumer.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I've repeatedly requested Midland Credit to verify information and they have failed to do so. I called in XXXX and requested they mail verification, I submitted an online inquiry after that and also mailed XXXX letters ( most recently additionally mailed XXXX by certified mail so they can't claim they haven't received it ). Whenever I've disputed information with the credit bureaus or requested information another way, Midland has increased the debt balance by {$1.00} to intentionally have it readied to my credit report without verifying the information requested. I never received notice of intent to collect the debt nor notification that this debt could be disputed. I additionally never got a fair chance to negotiate or dispute the debt before they added it as a collection. When I requested verification, they failed to verify the debt and have been very aggressive in their attempts to collect the debt while violating several portions of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has frozen my savings accounts with a balance of {$340.00} due to undisclosed suspicious activity, regarding some XXXX transactions. While they conduct the investigation my money is inaccessible, they refuse to state why and only claim there is unusual activity, despite the savings account not being involved, they have locked access to those funds and their manager XXXX states they may hold it in perpetuity while they conduct their investigation, no timeline is provided, except this email from them. No reasoning or violation of terms or services has been provided, and their manager XXXX explicitly states that no such terms exists regarding limits on XXXX transactions and Capital One may end the relationship at any time. 

This is the email I received. 

" XXXX, XXXX completed an initial review of one or more of your accounts. Based on our current information, weve determined that the unusual activity we found is inconsistent with our expectations for account usage. 


Well begin a final review of this decision, and depending on the outcome of this review, your account ( s ) may be closed.

If your account is closed, any remaining balance owed to youplus all interest earnedwill be transferred to your externally linked checking account or a check will be mailed to your address on file. 


If you have any questions, give us a call at XXXX. Were available Monday through Friday from XXXX XXXX. to XXXXXXXX XXXX  XXXX and on Saturday from XXXX XXXX. to XXXX XXXX. XXXX. 


Well send you confirmation of the results of our investigation. ''
Consumer complaint received 2024-01-07
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. (NJ)

Back in XX/XX/2023 I've sent out a follow up dispute dispute to Equifax regarding an account that's reporting inaccurately on my consumer report. Equifax responded that this information was verified and accurate in which still today XX/XX/2023 there are multiple inaccuracies reporting. I firmly believe that it is their duty to fully investigate a consumer 's dispute and provide fair and equitable results. If they investigated this account how is there still inaccuracies reporting? This account reports to all 3 major reporting agencies which all have different information reporting which violates 15 U.S. Code 1681- Congressional findings and statement of purpose. The payment history that Equifax is reporting is different than what XXXX and XXXX is reporting in which they all should be the same which is a billing error. I asked Equifax to provide all of the documents thats verified this account and nowhere in the agreement with the creditor was there an option for me to opt out of this information being shared with anybody in which according to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, subsection ( b ) Opt out, I have a right to exercise that non disclosure option. I am requesting to exercise my option to opt out of this information being reported to anyone. They are not being compliant by reporting inaccurate information even after sending in multiple dispute letters and responding to me " Verified ''. I never gave Equifax the consent to furnish a consumer report of me containing my personal information nor did I give them permission to share my information with anybody. Included in this complaint is a copy of my follow up dispute letter, my final dispute letter, a copy of my consumer report with the account disputed.

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-01-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX the Accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U. S. C. 1681 section 602 A . States I have the right to privacy.

15 U. S. C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accordance to 15 USC 1681a ( 2 ) | didn't give written consent permission to have these accounts furnished on my TRANSUNION, consumer report. I HAVE MADE A POLICE REPORT OF IDENTITY THEFTVIOLATION POLICE CASE XXXX THE ACCOUNT IS XXXX ACCT XXXX XXXX ASKING THAT THIS ACCOUNT TO BE REMOVED FROM MY ( TRANSUNION ) CONSUMER REPORT. THANK YOU VERY MUCH IN THIS MATTER. THANK YOU IN ADVANCE GUYS
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accordance to 15 USC 1681a ( 2 ) | didn't give written consent permission to have these accounts furnished on my TRANSUNION, consumer report. I HAVE MADE A POLICE REPORT OF IDENTITY THEFTVIOLATION POLICE CASE XXXX THE ACCOUNT IS XXXX ACCT XXXX IM ASKING THAT THIS ACCOUNT TO BE REMOVED FROM MY ( TRANSUNION ) CONSUMER REPORT. THANK YOU VERY MUCH IN THIS MATTER. THANK YOU IN ADVANCE GUYS
Consumer complaint received 2024-01-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.