davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Consumer complaint received 2023-06-15
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit 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
Consumer complaint received 2024-04-13
Product: Credit 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: CITIBANK, N.A. (SC)

In XXXX I noticed charges that were not mine on credit card statement. I called and they removed them also were to close account and send me new credit card. I did receive a new credit card but never activated it, I dont use this card often. I received a new statement with a new charge on there for {$52.00} made on XX/XX/year> to mint mobile. I immediately called and disputed also said this account should have been closed due to previous problem. They said they would remove charge and close account. Today XXXX XXXX I received a notice that they have closed investigations and refilled my account. This should have never been billed. They have email account as XXXX Internet address as Washington Virginia United States. 
I just want this account closed and this charge removed
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

In XXXX, I paid {$250.00} to have my house revalued to eliminate XXXX  payments. Wells Fargo accepted the payment and sent out a representative to value the home, the value did not come back sufficient as it was a basic evaluation tool used. I then offered to pay a higher fee to have an XXXX out to have a more complete value determined. At this point, Wells Fargo refused to accept my higher payment because now they stated that I did not qualify. I then asked to have my {$250.00} credited back since from there communication, was not eligible as well. they refused to credit me back the {$250.00} and ultimately I had to refinance my first mortgage to be able to eliminate XXXX. I feel that all money paid to WF to have my home reassessed should be credited back.
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SIMM Associates, Inc. (UT)

XXXX XXXX XXXX has called numerous times and has been extremely hostile when we have been on the phone. I do n't know what debt they are trying to collect, and since I do n't have any outstanding debts I am concerned this may be a scam, so I refuse to give them any personal information over the phone. On XX/XX/XXXX I had a phone conversation with XXXX XXXX ( representative of the company ) where she became extremely aggressive and threatened to contact all my family members after I told her I did n't want to receive any more phone calls from her or her company. On XX/XX/XXXX I sent them a letter requesting validation of the debt. They received that letter on XX/XX/XXXX according to the USPS certified mail tracking. As of this date,XX/XX/XXXX they still have not sent me any response to my request for validation, yet they continue to call me repeatedly. On XX/XX/XXXX XXXX XXXX called again, so I informed her that they could not be contacting me because they had not validated the debt. She became extremely hostile and began yelling, made some claims that they had validated the debt and then hung up on me.
Consumer complaint received 2022-11-15
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)

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section XXXX but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. I came to the conclusion that the Credit Bureaus are not afraid to break Federal law thus they chose to be lazy and neglected my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX  XXXX, XXXX  XXXX
Consumer complaint received 2023-03-03
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX 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 2017-07-31
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: EQUIFAX, INC. (FL)

I have submitted several disputes to Equifax regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Equifax is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Equifax has not provided me with any VALIDATION OF THESE ACCOUNTS. Equifax constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Equifax what did the company VALIDATE with them, and I have repeatedly been ignored. Since Equifax and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from Fingerhut and Capital One Bank to remove from my credit file. Please see attached.
Consumer complaint received 2022-11-23
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. (FL)

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX 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 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 take 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 2022-11-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX  Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF EDXXXX, US DEPT . OF EDUCATIO, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.
Consumer complaint received 2022-11-14
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 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 2022-11-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (GA)

On XX/XX/XXXX, I myself XXXX XXXX XXXX made a payment at 1st Franklin Financial for {$340.00} cash or debit card with XXXX XXXX  XXXX in XXXX XXXX or with a XXXX XXXX card. A receipt was given to me, with a confirmation # of {$340.00} @ XXXX XXXX by XXXX XXXX or the lady that sits in the XXXX middle of XXXX desks. The payment was not processed by either payment method, cash was needed he subject, I am accused of faulty XXXX payment which has my account behind til present dat, making double payments to become current. This tactic makes me not want to be involved with this XXXX XXXX at this time. XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a Capital One Venture credit card. Recently, I tried to convert my rewards and transfer my miles to airline partners online. Unfortunately, I encountered errors during the process, preventing me from verifying my account successfully. 

To address this issue, I contacted Capital One customer support on XX/XX/year> and provided all the necessary information to verify my identity. Although the customer service representative was able to verify me over the phone, they informed me that the verification for converting rewards must be completed online. Unfortunately, they were unable to offer further assistance. 

Despite providing accurate information, I still faced difficulties accessing my miles for purchasing tickets from airline partners. The customer service representative emphasized that there was nothing more they could do, which left me feeling frustrated and without a resolution to my problem.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CT)

On Tuesday XX/XX/XXXX my wallet and phone were stolen. All of my cards, my IDs and cash was taken. I was going away with the XXXX XXXX till Sunday and had assumed that my wallet was in my truck and I had lost my phone while XXXX however, Sunday night I received a fraud alert from chase and realized that my wallet and phone were not just lost however stolen. I contacted chase and reported approximately XXXX dollars of fraud through both atm and cashapp withdrawals had taken place. I was assured that this would be taken care of and that I was covered for this incident, but both my claims were denied almost right away. After realizing that some parts of the claims were not accurate I called chase and re submitted my claims. I was again assured by a supervisor that all of this would be taken care of and not to worry. Both claims were denied again. I reached out and was informed that Chase does not cover any type of fraud that they can not recover the funds and to check online regulations. When researching these claims I found that this was not true due to regulation E of the federal resolution flow chart and that banks can not cover transactions where pins are entered correctly. This has completely fininacially destroyed my family and has quite literally taken food from my childrens mouths. If this is not resolved I will be reaching out to the attorney general and the news in hopes of getting this resolved as this is no way to treat a customer, service member, or any person.
Consumer complaint received 2022-11-14
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: AMERICAN EXPRESS COMPANY (NY)

I submitted a dispute on my account in XX/XX/2022 in regard to an XXXX charge of approximately {$270.00}. The reason being that I did not authorize or consent to the purchase and already contacted the merchant in good faith to request a refund. After, discussing with merchant further, I was told that I would be refunded once the good was returned to them, however the good was too large and heavy to return to the merchant without shipping assistance. The merchant was initially not helpful to this concern, and I was not making any progress in getting sufficient communication from the merchant on how to return the good. 

After submitting dispute to Amex, I was emailed a response that they would investigate the dispute of {$270.00} and would reach out to me via email to : ( 1 ) update me on the status of the dispute ; ( 2 ) request additional documentation if needed. After a period of time of no response, I contacted Amex again to inquire as to the status of the dispute and find out why the amount was not returned to my billing account. Amex informed me that they closed out their investigation, however I ( 1 ) was never informed of the status of my dispute or ( 2 ) given any opportunity to submit any documentation as indicated. I requested that the dispute be reopened or appealed but was not given any chance to do so. I was told that my only recourse was to again contact the merchant directly.

I once again contacted the merchant to attempt to resolve this dispute. The merchant then ( 1 ) agreed in writing to authorize the refund me without having to send good back and ( 2 ) told me that I should have already received the amount back from Amex. I still had never received this amount back, so I once again reopened dispute with Amex. Amex is still refusing to credit me for the refund amount after repeated attempts to dispute the charge, and the merchant agreeing that the amount in question should be refunded back to me.

Amex violated the cardmember agreement and the rights of the customer as follows : ( 1 ) did not give customer adequate opportunity to provide documentation in regard to the dispute, ( 2 ) did not inform or update customer as indicated regarding the status of dispute, ( 3 ) did not refund a customer for an initial unauthorized purchase, ( 4 ) is refusing to accept new dispute or additional documentation, and ( 5 ) is not refunding amount back even though customer and merchant are now in agreement as to their intention that a refund should be issued.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (MA)

i filled out a securitized application under an open end credit plan and was denied by use of XXXX XXXX and XXXX. there was an account made under my name without my knowledge started on XXXX XXXX with a maturity date of XX/XX/year>.
Consumer complaint received 2023-02-02
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: GOLDMAN SACHS BANK USA (VA)

purchase an item using XXXX/Goldman Sachs XXXX XXXX XXXX XXXX XXXX returned because it was defective charges continue after several calls to XXXX XXXX and Goldman Sachs XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) properly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX