davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2023-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center (FL)

I'm XXXX XXXX, please help with the following concern. 
I have received a letter from ARSTRAT, it says that it is a debt collector for debt to XXXX XXXX of XX/XX/2021 : it is wrong and does not belong to me. The XXXX XXXX company has never sent me notification by email or mail. However, upon receiving this letter, as an immediate response, I have reviewed my health plan account along with the XXXX XXXX account and everything is in order even the 2021 bills for that certain date. 
Information inside letter From XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX  Reference XXXX Letter XXXX Creditor acciunt number XXXX As of XX/XX/2021 Total amount of the debt : {$21.00}
Consumer complaint received 2023-07-05
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: 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.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC (NY)

No validation notice was sent to address violations of FTCPA QUALITY ASSET RECOVERY Was already disputed and remove from XXXX XXXX credit report. Sending me a pass due amount of {$5200.00} thats have been already resolve due to code violation report number XXXX on my credit report
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX. I have read enough t understand my rights under the FCRA section 605b, and I need you to please comply with the law and remove the disputed fraudulent accounts and information off my Credit File as soons as possible.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XX/XX/2023, I opened checking accounts at Citizens Bank and chose the option not to allow overdraft fees and to decline debit card purchases if funds are not available. 
In XX/XX/2023, Citizens Bank put holds on my debit card purchases and overdraft my checking account in the negative balance of - {$67.00} and my other checking account has a negative balance of - {$49.00}. Citizens Bank is allowing my bank account to overdraft to steal money from me when my accounts are opted out of overdraft protection.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Recovery Services, Inc. (CA)

EXPRESS RECOVERY SERVICES is listed on my credit report as the business that is certifying that I owe a debt. However, I requested documentation as to the validity of the debt to which the company did not respond. I then disputed the debt requesting validity of a debt owed to EXPRESS RECOVERY SERVICES which had/has my signature permitting the debt to be sold to or transferred to EXPRESS RECOVERY SERVICES. This was done through all three ( XXXX ) credit REPORTING AGENCIES ; XXXX, XXXX, AND XXXX, but I have not received a response despite several requests for proof of the validity of the debt. Additionally, EXPRESS RECOVERY SERVICES is a DATA BROKER and paid for my personal information. I did not provide any written documentation providing consent for my information to be sold. Specifically, my personal information is currently under a security freeze under all XXXX CRAs and has been reported to the FTC as stolen. Therefore, EXPRESS RECOVERY SERVICES and all XXXX CRAs have sold my personal information without my consent and violated my federally protected rights by using my stolen information and committing identity theft. This is in violation of the Privacy Act of 1974 and 15 USC 1681.
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC (PA)

I have written disputes to the credit bureaus and to Arcadia directly because, I do not believe that these accounts are accurately being reported on my credit report. So to clarify the accuracy of the reporting of these accounts I formally requested the following information that is being reported : 1 ) Original Contracts to ensure the accuracy and legitimacy of the date the accounts were opened, account numbers, and terms of the interest and penalties that were originally agreed to.

2 ) Payment History of the accounts for the entire duration of the notes to review the application of payments to their proper destinations 3 ) List of charges and fees especially those assessed after the charge off status on the accounts 4 ) Date of actions taken on these accounts including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off actions, and collection activities 5 ) List of the Dispute instructions your agency provided to the credit bureaus in response to my disputes to the Credit Reporting Agencies.

Arcadia still has sent me nothing at all!
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was their client since XX/XX/XXXX. Closed my account of {$17000.00} in XX/XX/XXXX without ever missing a payment and I 'm still paying for that closed account meaning that they have ALL my information on file .I believed that by being a previous client with past and current excellent credit, it would be easier to obtain a credit card for traveling purposes. I was approved for {$10000.00} and received my card only to see that it was restricted. I called and they kept asking for the same documents over and over even after admitting that they received them and explained that I would have to send them again. Each time the person would refer to me as M'am because my voice has a high pitch, which I 'm used to, but never had a problem for credit because of that.They even asked me to change my address on my XXXX account and I even did that because at this point I just wanted to " prove '' that I was me. I ask to go directly to a branch, they said it HAD to be done online. For over a few weeks I have been sending documents and every time I have to wait up to 72 hours for each documents they ask for every time they call. I even tried to speak to a supervisor from the department on XX/XX/XXXX at XXXX XXXX  and first the representative XXXX told me that they were all in a meeting and seconds later that there was only 1 available because they were in a change of shift. I ask to wait, XXXX explained that her supervisor XXXX was going to give me a call back and that was yesterday. I guess that is the longest meeting/change of shift a company has ever had. I called to cancel the card they already sent and I have n't been able to do that either. Plus they sent a fraud alert to the different Credit Agencies and I had to call each to clarify my identity, which happened without any inconvenience.
Consumer complaint received 2023-05-17
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. (GA)

I purchased a one-way ticket from XXXX to XXXX to XXXX on XX/XX/2023. The authorization page after my purchase said XX/XX/2023. I received a confirmation email from XXXX ( the merchant ) saying that to please note that they changed my reservation date to XX/XX/2023. I emailed them telling them that this wasn't the date I requested or paid for. They told me that I needed to speak with the airline it was for directly ( XXXX XXXX ). I called XXXX XXXX, and they told me that I had to speak with who I bought the ticket from since they didn't have access to that information. I tried calling XXXX, but the phone just keeps on ringing. I sent multiple emails, and they just didn't respond. That's when I disputed the charge on my credit card. After sending Chase my confirmation email saying how they changed the date, they still denied my claim sending me an invoice and email from the merchant. My email is time stamped with the date. The merchant clearly just sent an email without this note on it. As for the invoice, it does say XX/XX/2023. However, they can change the date while still using my authorization. For example, I purchased from another site before this one for XX/XX/2023. The merchant emailed me and said that XX/XX/XXXX wasn't available, but XX/XX/XXXX was. They could change the date if I wanted that. I told them no and they cancelled the reservation. They weren't going to reauthorize or re-request my signature, and I wasn't going to have to re-buy the ticket. They were going to use my authorization for the XX/XX/XXXX date. This is what XXXX did for the XX/XX/XXXX date, but did not ask me if I wanted to change the date or cancel the reservation. They changed it without my authorization and charged me for it, and used my authorization for the purchase made for XX/XX/XXXX. I then spoke with someone from Chase about the denied disputed claim. She kept changing what she was saying. At first, she said they didn't receive proof from me that the merchant changed my date of flight. Then, she said they did receive an email I sent as proof, but they couldn't use it even though the merchant used an email as proof, and the person I spoke with on XX/XX/XXXX told me I could use it as proof Then she kept looking for the email I sent and had to put me on hold. She then told me that I had to reopen the claim.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX  Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX  XXXX XXXX  Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX  Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have XXXX XXXX  XXXX XXXX XXXX XXXX that went to delinqunt in XX/XX/2017 and later charged off. But it shows in the report as XXXX XXXX are supposed to be removed from the credit report as they passed 7 years. XXXX removed those XXXX accounts from the file but XXXX and Experian are coming back saying that the XX/XX/2017 is the correct date and not XX/XX/2017 and hence they are not deleting the accounts. I tried reaching out to the bank XXXX XXXX and they say that they don't have any information on this as it is more than XXXX XXXX XXXX. My SSN is XXXX. I'm raising disputes but XXXX comes back that XXXX  XXXX XXXX responded with the information is correct. If that us the case why XXXX  XXXX XXXX says they don't have information when I contact. XXXX, Experian and XXXX  XXXX XXXX are playing with my time and credit report. This is making. my house buying purchase hard. 

I'm attaching the XXXX XXXX report where the first deliquency is XX/XX/2017.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022