davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO. (FL)

I've sent Chase a default and opportunity to cure which they have 10 days to respond after the receipt of delivery. Chase has not rebutted any of my affidavits that has been sent to them by mail via USPS certified mail. Chase has violated federal laws Truth in ending as well as Fair Debt Collection Act. 

Fact, Pursuant to 15 USC 1692a ( 6 ) states some who regularly collects debt. In my case the debt is alleged. Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; Chase stated and invoice me stating I owe a debt after using my credit card.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. Logos and language used throughout the content sent to me.

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

Fact, Affiant is aware and has proof in attachment labeled as exhibits that Chase violated 15 usc 1602 ( p ) unauthorized use of card. My social security card has been authorized for chase to use by me the consumer. What makes it an unauthorized use is because I'm not benefitting from the consumer credit transaction I authorized with Chase bank. Proof of unauthorized use is shown in exhibits and labeled.

I hold Chase criminally liable for their actions 15 USC 1611 ( 1 ). 

Please do not disregard this serious matter because further actions will be taken after the 10 days after Chase receives notice in the mail.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prizm Financial Company, LLC (OH)

Prizm Financial was closed XX/XX/XXXX with the balance paid in full. Case # XXXX XXXX XXXX, Ohio. Prizm continues to report monthly to XXXX  that a balance is still due. I've disputed this several times through XXXX  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX all of which corrected the information before Prizm reported falsely again. I spoke to Prizm Financial XX/XX/XXXX who confirmed the account is closed and paid in full. They assured me that the false monthly reporting has been corrected and to contact XXXX  but it isn't corrected. I keep going in circles with them and it's going no where. So please assist with this matter.
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (SC)

The initial leased was placed under myself and my ex-husbands name. Upon separation my ex-husband took over the lease and the company representatives ( Manager/Staff ) was informed. My ex-husband was to assume all the debt of any remaining balances once he moved from there. The lease was to be placed in his name alone upon our seperation.
Consumer complaint received 2021-02-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (VA)

This company, RADIUS GLOBAL SOLUTIONS LLC has been placing an outstanding medical balance XXXX dollars in For Collection for the third time in my report. The doctor 's office made the error by sending my specimen to XXXX instead of XXXX XXXX. My then insurance had no business relationship with XXXX ; as a result, the insurance decline to pay. The company placed it collection in XXXX, XXXX and now in XXXX. It had already a negative effect on my credit score in XXXX and managed to bring up my score. RADIUS GLOBAL SOLUTIONS needs to pull that adverse action on my report since they are already reported it twice. This harassment and unfair practice needs to stop. My credit score is tied to my work, so it can affect my livelihood. I lost XXXX points on my credit score as a result of this company continued harassment.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. Also, my information was impacted by the Equifax data breach and may have been stolen.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a dispute that my XXXX XXXX loans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with XXXX. 
Experian wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX
Consumer complaint received 2021-02-06
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. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and that I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate incorrect items within 30 days gives reason to immediately remove those items from my credit report. it has been over 60 days now so those incorrect items should be deleted immediately. I demand that these accounts be deleted instantly or I will file for litigation due to the stress you caused me. Also, my information was impacted by the XXXX  data breach and may have been stolen.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (CO)

on XX/XX/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute that my XXXX XXXX XXXXoans was paid in full with a XXXX balance and the bureau will not update it. I submitted my dispute XXXX and my report was unchanged as if XXXX. This is with XXXX. 
XXXX wouldnt even take my documents. Stating it wasnt clear. I dont understand, the verification came straight from XXXX
Consumer complaint received 2021-02-07
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: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX, a mortgage with XXXX  XXXX XXXX that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. XXXX  XXXX XXXX did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with XXXX  XXXX that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. XXXX  XXXX XXXX will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting XXXX XXXX XXXX monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX  with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.
Consumer complaint received 2021-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MD)

In XXXX of XXXX, I closed a XXXX XXXXXXXX phone account, due to my XXXX XXXX change of station to the XXXX XXXX. In XXXX I noticed that a debt collector ( Jefferson Capital Systems ) reported the debt as new, and is still damaging my credit report for an account that should have aged off in XXXX. I've initiated several disputes, Transunion still lists the account as delingquent. XXXX  removed this account years ago.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (FL)

Good Afternoon to whom it may concern. My name is XXXX XXXX. I am reaching out because I Have a eviction Debt on my credit from XXXX. I got kicked out the house in XXXX from the house I was living at with my daughters and there mother. i tried contacting company and they lowered it to {$3300.00} and they said they can only make a 3 payment plan of {$1100.00} and I told them I couldn't because I was ok fiancially. I been trying my best working fulltime and taking care of my 3 daughters and trying to be a responsible father and at this point I been stuck in a small eficiency since XXXX and it is very uncomfortable for me and the girls whenever they stay with me on weekends and because the eviction I cant get and apartment for me and my girls. I'm just asking for some help with this issue. I am a responsible person.
Consumer complaint received 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

I have a Conventional Mortgage loan with FNB Bank/Mortgage. After my wife lost her job during the pandemic I went under forbearance. When my wife got a new job, we paid all due payments. I was told by " XXXX ' a Customer service rep from Mortgage servicing department that until my account is current, I can not re-establish my recurrent ACH payment. XX/XX/XXXX, I paid all due payment ( XXXX, XXXX, XXXX and XXXX ) to bring my account. I called back on XX/XX/XXXX to Re-establish my recurring ACH authorization. XXXX confirmed that it had been set up and confirmed. On XXXX I got a call from FNB Collection department again. I was surprised by the collection department call. Found out that the ACH was not established. I paid for XXXX and XXXX of XXXX on that day and reconfirmed ACH debit is established for XXXX of XXXX. On XX/XX/XXXX when I noticed No Auto draft has taken place, I called and spoke to 'XXXX  XXXX from Mortgage servicing assured me that ACH is been set up successfully. To have peace of mind Asked XXXX to call collection department to be all in the same page. " XXXX '' from Collection department also confirmed that the ACH is successfully set up and 'ACTIVE ' and mentioned my account is not with the collection department. 

Today XX/XX/XXXX I pulled my credit report and noticed that FNB Bank / Mortgage reported me 'Delinquent of Mortgage '. When I saw that It made me furious. I have been calling them 8 or 9 different times to fix their ( FNB Mortgage servicing employee 's ) mistake. I been diligently trying to make sure they get their money, and this is how they punish me. Punishing me for their mistake. I sent them email with the conversation record to fix it, FNB Mortgage department didnt care to email me back. 

So, I need your help to correct this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA - XXXX Cell : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-06
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2021-12-17
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: CITIBANK, N.A. (CT)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I previously disputed an account listed on my consumer report XX/XX/year>. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA XXXX5 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number XXXX.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I find out that portfolio recovery associates file a law sued against me the reason I find it out is because I received an advertisement letter from 2 lawyers to hired them. 
Fue to I been sued. I never received any mail from this portfolio recovery associates informing me about this debt. I dont euknow what debt they are talking. This company usually file law sued for old debt that are very old. I need them to provide me with the information because I dont know what are they are sued me for .Im a XXXX XXXX old person with health condition XXXX receiving SSXXXXI.
Consumer complaint received 2021-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I have a loan from Cash CentralXXXXDFS showing up on my credit reports as closed and charged off as bad debt and purchased by another lender. It shows the account was closed on XX/XX/XXXX. And opened on XX/XX/XXXX, with a balance of {$2500.00}. This lender was predatory and never disclosed the actual terms of the loan. It was not until later I realized that it was impossible to ever pay off the principal amount because the interest rate was in excess of 200 %. It violates every usury law and essentially set me up to default on my face. Further, I would have never taken out such a loan if I thought or knew that was the case related to the interest rate. I've disputed it through Credit Repair companies and it still shows up as an outstanding balance owed. Now sold to another lender. I've requested original documentation of this loan and it has never been provided to me. Further, the damage it has caused to my personal credit by their misreporting and intentional dishonest reporting practices should be just caused to have the items removed from my credit report indefinitely and to any future predatory company they claim to have sold the debt to.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-21
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

I received a {$500.00} Vanilla Visa gift card from my employer for doing good work. I have tried to use this card in a regular store ( XXXX, XXXX XXXX ). The card gets declined. I look up the card online and it says that my card is on hold and I need to call to get it off the hold. I have called three time over the past year and the wait has always been over 30 mins to talk to anyone. And when I finally talk to someone they say that I am need the receipt of buying the card to be able to help. How can I have the receipt when this card was a gift? The point of this is to make me give up and have them keep the money. It bad business practices and it needs to stop.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 Experian reduced my score by 25 points. I called to find out what was the reason for this. There was not any derogatory remarks, collections, increase in credit use. No changes at all in the report just a 25 point reduction. When I called to inquire after being shuffled to 6 different people. No one was able to tell me the reason for the 25 point reduction. Can these companies randomly do this sort of thing without cause? Are there any standards they must follow? Is this legal? Please help
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-11-17
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. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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