davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

I have reached out to this debt collector Law Office of Mitchell and explained to them that this is not my debt, I met my out of pocket and deductible for that year ( Which was over 7 years ago ). Then I disputed the debt through the credit bureau 's and then they changed the date of service to this year. The past few weeks they started reaching out to me using my company 's website portraying themselves as a new lead. 

I have included
Consumer complaint received 2022-11-26
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Enterprise Systems, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-06-07
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (AZ)

I had {$7600.00} stolen from way2go card given out for XXXX  in AZ. I filed fraud claim right away same day as theft. Was given XXXX claim number for all of it and told I get a letter in mail to fill out and submit before 10 days runs out to get provisional credit. XXXX never came so I was told to email my evidence. I submitted all my evidence and was given {$400.00} back. The bank on its own merit opened a XXXX claim without notifying me and put {$7300.00} of the fraud charges onto that claim. I found out about that claim when I called in to ask about not getting all my money and was told that XXXX claim is pending and still open and the larger amount claim was denied. They never warned me of XXXX claim so it never got any of my evidence. I reopened that claim and spoke to someone who gave me his email to send all my evidence in. I submitted it and a few days later get called and told they reviewed everything and denied it for XXXX time. I requested to speak to supervisor and during call was told that they still have no evidence submitted by me. Was lied to by bank employee XXXX minutes before that saying they received all my evidence. Reopen it for XXXX time on XX/XX/year> and had it escalated to higher ups. Since then I have called in XXXX times and they say no notes have been put in about status of claim. Received call on XX/XX/year> spoke to XXXX and was told I have a response with XXXX hours. It was escalated again to higher ups and told because of XXXX  complaint I filed. It's been over 4 days and nothing from bank. I called on XX/XX/year> and was passed around to XXXX different employees who had no answer for me. Was told that they stall and look for ways to deny fraud disputes. They finally have all my evidence which shows them everything they need to refund my funds. I am victim of identity theft. Much larger than I imagined. I have fought hard since XX/XX/year> to get my fund back. They accepted my smaller claim but it's all the same and I can't get answers to why they separated my XXXX claim and deny my large amount of {$7300.00} and accept the other claim but its all related. They lie and refuse to refund me what's mine and they have nobody who I can call to talk to that can give me straight answers. They are avoiding me now because they know they owe me my money said XXXX who is supervisor at the bank for XXXX XXXX department and yet she couldn't do anything to help. It's not affecting my family and little girls. I been respectful and calm and yet they walk all over me.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX CO inquiry made XX/XX/XXXX. 
XXXX XXXX XXXX XXXX inquiry made XX/XX/XXXX. 
3. XXXX XXXX inquiry made XX/XX/XXXX 4 XXXX XXXX inquiry made XX/XX/XXXX 5. XXXX XXXX XXXXXXXX inquiry made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX XXXXnquiry made XX/XX/XXXX 9. XXXX inquiry made XX/XX/XXXX 10. XXXX XXXX inquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX inquiry made XX/XX/XXXX
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

I have requested that Experian provide physical proof for them reporting my XXXX ACCOUNT as late as noted below. I have contacted them several times and they refuse to provide proof. They simply say they contacted the account holder and they verified the account. Funny thing is that I reached out to XXXX and they could not show where I had been late at anytime. That the loans have been in deferment status. So Experian is up to their old habits of falsely reporting information that can not be documented or verified under section 609 of the FCRA. I am asking that they either send me physical proof that I was late, or update the account as paid as agreed and take it out of a negative status. I am asking that their statement be removed or updated to show that I do not disagree but the statement needs to say this " Customer asked for verification, we can not provide the verification that is requested so we will list this as negative anyway to simply hurt the client '' I think that statement is fair and accurate. 
Account History : 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Your Statement : Completed investigation of FCRA dispute - consumer disagrees.
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (HI)

MIDLAND CREDIT MANAGEMENT has furnished two accounts on my credit report without disclosure, notice, and above all, without expressed written permission from me. All of these are violations of the Fair Credit Reporting Act. 

This alleged debt is not mine. 
I dispute the validity and existence of said debts in amount of {$1000.00} and {$4200.00}. 
I refuse to pay a debt I do not own or owe. 

I have no knowledge of MIDLAND CREDIT MANAGEMENT. MIDLAND CREDIT MANAGEMENT has furnished deceptive forms and information regarding me to others which is, including but not limited to, Identity Theft, Fraud, Violation of Privacy, all are crimes punishable by civil and/or criminal liability.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX TO XXXX XXXX issued to me was stolen also a XXXX XXXX a american express card a gold american express card and a XXXX card was never in my possession and i applied for them but they were taken in my mail to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  THE MAN THAT TOOK THEM IS NAMED XXXX XXXX MY STEP FATHER.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

I filed a dispute with Truist over about {$85.00} of incidental charges against my account from a hotel in XXXX called the XXXX XXXX XXXX XXXX. I got a XXXX email from the hotel saying I was not supposed to have any of those charges but the charges remain on my account anyway and when I sent this info to Trust that didnt do XXXX about it. Why does it have to be so XXXX hard to simply dispute a XXXX transaction? The merchant sent me the proof but the bank dont do XXXX about it anyway. What a waste of time.
Consumer complaint received 2022-12-22
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. (VA)

This is a follow up complaint to the original complaint that was incomplete. The credit agencies are all reporting inaccurate, incomplete and false information. I have made several attempts to have corrected. I have submitted all requested documentation along with disputes to no avails. The inaccuracies are costly, costing me thousands of dollars a year in interest and lost opportunities. It is my right as a consumer to have accurate data reflected on my report. 
The Public Record item and account claims listed are deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears the reporting agencies do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that are prepared concerning me. The prompt attention to this important matter is requested in order to comply with federal law.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit acceptance is reporting missed payment every month even thought it has a 0 monthly payment on a XXXX credit bureaus I tried to dispute with XXXX but they said it was correct I don't think they investigated it at all
Consumer complaint received 2021-03-16
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. (GA)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (KY)

Dear Westlake Financial, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request a signed and notarized statement from Westlake Financial confirming that no debts are owed in relation to the contract associated with VIN XXXX, a XXXX  XXXX XXXX. Additionally, I request confirmation that no lien should be recorded on the title of the vehicle. This request is urgent due to a court order issued by a judge, requiring me to obtain this statement from Westlake Financial. The situation arose from a dealership closure where an error was made on the buyer certificate paperwork, incorrectly listing Westlake Financial as the lender. To rectify this issue promptly and to comply with legal requirements, I kindly ask that Westlake Financial provide the requested documentation at your earliest convenience. 

Please send the signed and notarized statement to the following fax number : XXXX Fax XXXX. You may also reach me via email at XXXX for any correspondence related to this matter. Please let me know if there are any specific forms or procedures I need to follow to facilitate this request. Your prompt attention to this matter would be greatly appreciated. Thank you for your cooperation and assistance. 

Best regards, XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Consumer complaint received 2024-06-29
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. (IL)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED. 

TransUnion LLC Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MI)

I got a text from an unknown number saying that it was my work, they sent me a check and told me to cash it and I did as soon as I realized it wasnt from my work I sent them the money back and thought that was the end of it They hacked my account and stole. {$2000.00} my bank said theyll give me the XXXX that they stole but not the XXXX that was originally sent back because I didnt clear.
Consumer complaint received 2024-06-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (MS)

On XX/XX/year> I decided to make an online purchase from an ad on XXXX XXXX with my {$50.00} prepaid VISA gift card. I put the card information in the ad 's website and clicked complete purchase and was suddenly redirected to another website and instructed to enter the card information again to complete the payment. I do so. I then go to check on prepaidgiftbalance.com to check my card balance and see that there were two unauthorized purchases. One was for {$39.00} from New Jersey and the other was for {$4.00} from Texas. Those transactions were not for the intended product that was advertised. Those dollar amounts don't even equal the intended product 's purchase amount. To this day I have still not received any product. 

On XX/XX/year> I call the number XXXX and speak with a representative about the problem. They shut down the card and cancel the unauthorized transactions. They then instruct me to call back the next day. I call the next day and get connected to a representative. They ask a few questions and I answer. The representative then tells me to fax a copy of my government issued ID and Social Security Number and SSN card to an unknown number ( not the one I called them on ). The phone call then ended. I decided not to take this step as it seemed sketchy to give my ID and SSN out to some random number. The company stated themselves that I should be reimbursed. I should be able to get reimbursement without having to give out such private information.
Consumer complaint received 2023-08-03
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. (GA)

15 U.S Code1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt, it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS FROM THE consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN NOTICE to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

The Fraudulent Accounts are as follows : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} Enclosures : FTC Identity Theft Report Proof of Identity Request for Validation Letter Proof of Identity ( State ID, Proof of Residence ) Detailed letter of Identity Theft No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved. 
WITHOUT PREJUDICE WITHOUT RECOURSE NON-ASSUMPSIT Without Recourse/ All Rights Reserved UCC 1-308 / 1-103 / 1-207
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

For several years, my Chase Ultimate Rewards points have been redeemed via another users XXXX account. 

My Chase Sapphire Reserve card is somehow fraudulently linked to another users account and theyve been redeeming them for cash value. This has been going on for some time and has rendered the points Ive earned with Chase effectively useless. 

For the purposes of this complaint, I basically dont have a XXXX account. Ive intermittently used it to do person-to-person transfers : the last transaction I can see was in XX/XX/XXXX and it hasnt been used regularly since XXXX. Theres no evidence it has been used to make points redemptions ever. 

On my Chase account I can see that it lists a linked XXXX account enrolled a Pay with Points option. When I call Chase says that there is no account linked and that I should speak to XXXX. 

Ive called XXXX several times and theyre not able to find any specific transactions and cant precisely find the malicious account because I dont have the exact card number used to do the initial linking ( my card # has changed ever time Ive called Chase about this issue so its hard to know what it would have been at the time ) General Timeline : XX/XX/XXXX * At some point in roughly XXXX XXXX, I started getting Pay With Points redemptions on my account In Between : * Ive called multiple times * At one point they had me reset all my Chase credentials and sent me a new card, which seemed to work * Months later, the points started disappearing again without me noticing * I ended up just giving up for a bit before calling again a few months ago * On at least one occasion Ive tried to talk to member services/retention and was told the matter was resolved and there was no reason I should expect additional compensation ( I dont understand what you mean that you cant use your points, weve refunded them, etc ) XX/XX/XXXX * Called Chase again about trying to get all my transactions adjusted again XX/XX/XXXX : * Got an adjustment for XXXX points XXXX XXXX, XXXX : * Pay With Points redemption for XXXX points, followed by additional redemptions XX/XX/XXXX : * Called about getting an adjustment again for the redemptions between XX/XX/XXXX and now * Asked why the XX/XX/XXXX adjustment was only for XXXX points * Was told they could not offer an explanation for the reduced adjustment other than that some transactions were deemed legitimate At this point Ive had XXXX of thousands of points that Ive earned taken, refunded, and taken again, over and over with no resolution. The value to me is both my time and lack of access to the points Ive earned to use for travel, and the cost to Chase at this point has to be over {$10000.00} in points use.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I transferred money from Truist bank to open an account with XXXX XXXX XXXX XXXX in the amount of XXXX XXXX. Was given a promo of XXXX from XXXX for opening account. My on XX/XX/year>. The transfer went through. It reflected on my account for both accounts. I had to report a over charge of XXXXXXXX XXXX on my Truist acct. My card was disabled. This was around XXXX XXXX I had to use my new XXXX XXXX to transfer money because I had no card at that time. I XXXX money out. I noticed that my XXXX transaction was deleted from my Truist acct.notifications completely. No record of that transaction. XXXX XXXX XXXX XXXX XXXX  account was terminated. I went to inquire and it was told to me I owe XXXX XXXX return few and my account is terminated. I was told the Truist bank refunded my XXXX and told the XXXX I had no available funds I was short. If what the report says is true that transaction was my first transaction before other later transactions and therefore should have been processed first. Secondly, if I was short XXXX XXXX the institution previously would put up the money and taken it back out from my direct deposit. Now I am unable to do business with the other institution because of this issue and I believe my XXXX is lost due to negligence of Truist banking practices which are shady.
Consumer complaint received 2024-05-29
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. (CO)

Transition has denied a dispute for a credit card that was disputed and got a approved but now this card is in collections and when I dispute it they deny it even though the original one was disputed and was approved