davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (IL)

My name is XXXX XXXX and I'm a consumer submitting this complaint on behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. PROCOLLECT INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by PROCOLLECT INC. Please be advised that providing a memorandum or other statement from your agency, stating that PROCOLLECT INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have the trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

My name is XXXX XXXX XXXX and I am a resident of XXXX XXXX XXXX XXXX. I am filing this complaint because I had one account with Wells Fargo ; this account got shut down in XXXX XXXX XXXX without me being given any information or notice of the closings. I have reached out to the Bank on multiple occasions and was always given different reasonings as to why this happened. One of the reasons I was told was that it was Fraud, but was not given any further details of the incident, but I did confirm the fraud was NOT committed by me. I have been trying to fix this issue for over a year and nobody from the Wells Fargo corporation has been of any assistance to me. There was also money that was kept and never returned to me.This issue has caused me to not be able to open any other accounts at different banks as I have tried multiple times. It is extremely difficult and such an inconvenience to my life as I have to pay bills, kids, work etc. I need whatever hold is on my information lifted and to be able to have a bank account. As a consumer money is insured by the Federal Deposit Insurance Corporation and is supposed to be returned to me! I also should be able to have a functioning bank account. I need further assistance with this matter and soon!
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (IN)

I tried to pay my Chase credit card with a new Chase business bank account. The system would not let me. I then called to do it on the phone and Chase told me they could not use the Chase business account. I then tried to setup a bill pay from the new Chase business account and I received a message the system was not available.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2023-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (CO)

I have continued to get calls even after repeated attempts to show this debt is not mine and that I have never lived at the address they are saying I owe an electric bill for, I have provided police reports and copies of my id, when I request validation they have nothing with my signature or id, anyone could have done this account as the company allows start of service online with no verification.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-27
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-30
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-28
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: Experian Information Solutions Inc. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-27
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. (CT)

I am deeply dismayed by the recent credit report I received. The errors are egregious and have spiraled out of control. It's astonishing that governmental regulations permit such blatant mistakes that have such detrimental effects on individuals. If prompt and accurate action is not taken in response to this letter, I am fully prepared to hold you accountable for your poor reporting practices. 

I am baffled as to where you obtained the following accounts, as they have no place on my file. They must be promptly removed without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-30
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)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

In XX/XX/XXXX, I contacted XXXX XXXX XXXX several times regarding my Stand Alone 50 internet service not working. After several telephone calls to XXXX XXXX XXXX and several visits to my house by an XXXX XXXX XXXX service tech over the course of two months XXXX XXXX XXXX was unable to get the service to work correctly. 

On or around XX/XX/XXXX, the XXXX XXXX XXXX service tech was again at my house and unable to get the service to work properly. He advised me that in order to get the XXXX XXXX XXXX service to work I needed to switch to fiber optic service. I agreed to take the fiber optic service for a year. The fiber optic service was supposed to be a speed of 300 Mbps. Over the next few weeks, the speed rarely exceeded 25 mbps. I made several more telephone calls to XXXX XXXX XXXX regarding its failure to provide the contracted for service. 

On or around XX/XX/XXXX, when XXXX XXXX XXXX was still not able to provide the contracted service I canceled and switched to XXXX. XXXX XXXX XXXX credited my account for all service fees during the time the service was broken. 

On XX/XX/XXXX, I received a Final Notice from XXXX XXXX XXXX stating that I owed an early termination fee of {$130.00}. I called XXXX XXXX XXXX at XXXX XXXX and spoke with XXXX ( sp? ). I advised XXXX that XXXX XXXX XXXX never provided the contracted for service and therefore theres no termination fee. XXXX advised that as the amount of billing credit was over his limit, he would need to get a supervisors approval. I was informed that someone would be calling me in the next few days. No one ever called. 

On XX/XX/XXXX, I received an email from a debt collection agency, MRS Associates. I responded to the email that XXXX XXXX XXXX has failed to inform them that this is a disputed debt.
Consumer complaint received 2017-07-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (VA)

I took out a loan with Big Picture Loans for {$600.00} to help me cover my rent. When I signed the agreement online I did not know that the interest rate would be an APR :  XXXX . Which is tremendously high. I have been paying at {$320.00} or more a month which has been affecting my other bills causing me to be late or short. As of now I have paid out {$1300.00} on a loan that was for {$600.00}. This is ridiculous and outrageous I have a child in College and one in high school and have been struggling. If this continues on I would have paid more than {$3000.00} on this {$600.00} loan.
Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Stat us 01  XX/XX/2017  {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 02   XXXX     {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 03   XX/XX/2017   {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 04  XX/XX/2017  {$600.00} {$1.00} {$160.00} {$160.00} {$590.00} Regular Current 05  XX/XX/2017  {$590.00} {$3.00} {$160.00} {$160.00} {$590.00} Regular Current 06  XX/XX/2017  {$590.00} {$4.00} {$160.00} {$150.00} {$590.00} Regular Current 07   XXXX    {$590.00} {$5.00} {$160.00} {$150.00} {$580.00} Regular Current 08  XX/XX/2017  {$580.00} {$7.00} {$160.00} {$150.00} {$570.00} Regular Current 09  XX/XX/2017  {$570.00} {$9.00} {$160.00} {$150.00} {$560.00} None 10  XX/XX/2017  {$560.00} {$12.00} {$160.00} {$150.00} {$550.00} None 11   XXXX   {$550.00} {$15.00} {$160.00} {$140.00} {$530.00} None 12   XXXX   {$530.00} {$19.00} {$160.00} {$140.00} {$520.00} None 13   XXXX   {$520.00} {$24.00} {$160.00} {$130.00} {$490.00} None 14   XXXX   {$490.00} {$31.00} {$160.00} {$130.00} {$460.00} None 15  XX/XX/2017  {$460.00} {$39.00} {$160.00} {$120.00} {$420.00} None 16   XXXX   {$420.00} {$50.00} {$160.00} {$110.00} {$370.00} None 17  XX/XX/2017  {$370.00} {$63.00} {$160.00} {$100.00} {$310.00} None 18  XX/XX/2017  {$310.00} {$80.00} {$160.00} {$83.00} {$230.00} None 19  XX/XX/2017  {$230.00} {$100.00} {$160.00} {$61.00} {$120.00} None 20   XXXX   {$120.00} {$120.00} {$160.00} {$34.00} N/A None
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXXXXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2024-03-27
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. (OH)

XXXX XXXX To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation. 

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

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-07-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

Navient capitalized the interest on my account, which they said was due to my payment plan expiring. However, when I looked deeper into it, the notices sent and the payment plan show that they capitalized the interest  one  full month prior to the plan 's expiration. I reached out to them several times, each time documenting my request to reverse the capitalized interest. Finally, after several weeks they reversed the capitalization of interest.     I want others to be aware that this can happen and to look into the account history to determine if Navient has incorrectly capitalized the interest on the account, prior to the date permitted, and to understand that this can be reversed but that they must be proactive and follow-up with these requests.
Consumer complaint received 2021-01-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a dispute letter XXXX XXXX and have not received an response from the credit bureaus in regards to the inaccuracies on my credit profile
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

As a consumer and natural person only I can be the original creditor. Only I the consumer can extend credit with my social security card which is also considered a credit card by law. This allows me access to my open-ended credit plan. 

I have been mislead by CAPITAL ONE. I have a credit balance on this credit card account and i am requesting my refund which is owed to me, the consumer. I have attached proof with federal laws and clear violations under 15 usc 1601, 15 usc 1602, and 15 usc 1666.

I have requested previously and was denied my right as it is my credit that I have extended it.

open ended consumer credit plan means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. pursuant to 15 usc 1602.
Consumer complaint received 2022-11-30
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXate of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX