davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (FL)

Rent Recovery Solutions - XXXX XXXX XXXX XXXX, XXXX, GA XXXX Account : XXXX XXXX XXXX XXXX  This was found on my report this week. I was never contacted by the original company ( XXXX XXXX XXXXXXXX XXXX ) or the collection agency with a bill. The original company has fabricated multiple reasons that I allegedly owe them money for. Each one was documented in emails with them, each one was proven to be false. Finally they removed my ability to see if they added or removed any billing items form my account by removing account access to view the billing. 

The next time this resurfaced was when I noted it on my credit reports on Monday XX/XX/XXXX. I contacted the collections agency immediately and spoke to a csr named XXXX. I asked why i had not received any billing form them or the original company, named above. She acknowledged that no bill had been sent out claiming that they had just received the debt. The derogatory remark on my credit report was placed on it XX/XX/XXXX and no attempt to contact me was made. I believe they were parking the debt on my report, knowing it to be fraudulent. The last contact I had with XXXX XXXX XXXX XXXX was on XX/XX/XXXX when they claimed I owed XXXX for replacing the rugs do to wear and tear. I furnished them pictures of the unit showing the unit had no rugs and was all new vinyl flooring that was put in in XXXX and in excellent condition. 

When I responded with the proof they ceased communications and removed my ability to see if they rectified the false billing. The next time I saw any notice was when XXXX XXXX alerted me of the negative comment, the amount they were claiming was now {$6500.00}. I was never billed for this amount, never given any valid reason for this bil and there for would like to report both the collections agency for unfair debt practice as well as the original company XXXX XXXX  XXXX XXXX.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Hello, I looked at my report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Here follows the account that is inaccurate : XXXX. ) XXXX XXXX - Account Number : XXXX. 
This account are not complete and are inaccurate.

Also, according to 15 USC 1681s-2 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.

If you check my attachments everything is not complete and accurate.

According to 15 USC 1681i 5 they are supposed to do this ( 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 ) promptly 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. 


Also, according to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Unfortunately they did not do that and according to 15 USC 1681s-2 they are supposed to 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 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McKenzie Paul & Associates (TX)

I recently reviewed a copy of my credit and notice I had a fraudulent account on my report from MdKenzie Paul and Associates , Inc. I have never received any validation forms from this company as per 15 USC 1692 ( a ) ( 4 ). Please remove this account from my report because they are hurting my ability to obtain credit.
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am filing for bankruptcy and Portfolio Recovery continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX US DEPT ED Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (CO)

I had a ChaseXXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. Chase sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, Chase reported to XXXX and XXXX a past due balance of {$1200.00}. I disputed with XXXX credit bureaus, XXXX removed the information from my credit card promptly and XXXX told me to contact Chase. I have contacted Chase multiple times to no avail. The last communication was a phone call about a month ago and Chase was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by Chase to XXXX XXXX XXXX XXXX ). This is affecting my XXXX score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (NH)

I was a loyal Chase credit card customer for almost a decade. In XX/XX/2016 I left my job and it took me two months to find a new one. Chase has been repeatedly calling me - I find several messages on my caller ID every day. 
When I landed a new job, I spoke with Chase on XX/XX/2016 and informed them I was starting a new position and I would be able to catch up XX/XX/2016. The person on the phone said he 'd note this, and the calls would stop. 
The calls did not stop : on XX/XX/2016 I answered the phone and was again told I was late. When I asked the person on the phone if there was a record of my previous conversation, she said there was but " company policy is to call every five to seven days to see if anything has changed. '' This is absurd : I informed them when I could pay them, there 's no reason for them to be constantly calling me when the date has not passed yet. 
Chase needs to follow through on what they promise : if I 'm told the calls are going to stop, they need to stop until the date payment was promised has passed.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXX in the amount XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.
Consumer complaint received 2023-02-22
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. (MI)

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 : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXXXXXX : ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I had unauthorized activity in my Coinbase account resulting in XXXX transactions : XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$400.00} USD XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$150.00} USD XXXX Sell XXXX XXXX USD XXXX XXXX XXXX XXXX Sold XXXX XXXX for {$520.00} USD I did not authorize these transactions. I never received a text message to authorize them. I never received emails confirming these transactions. Furthermore, my account was locked on XX/XX/XXXX and XXXX with no access to make any transactions. 

Coinbase has failed to protect my account from hackers and inform me of the ongoing unauthorized activity in my acount. 

I would kindly request to return {$550.00} in cash stolen from my Coinbase account. 

I have not received any meaningful resolution while speaking with the customer service.
Consumer complaint received 2022-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I told them on multiple occasions please DO NOT CONFUSE my issues on my accounts! I specifically said I do not have an issue disputing a charge on account ending in XXXX. Bank of America banks on confusion and smoke screens and mirrors hoping you will give up in the ridiculous confusion. Not me. They ignored what I said and disputed a charge which was legitimate. I told them specifically the problem I am having with them is that they said specifically a 1.5 % cash back on every purchase which is not happening. I currently have a balance of almost {$1000.00} on my credit card ending in XXXX and yet they have not given that over the course of the duration of the purchases! More fraud from the bank! No matter how many times I call I can't get them to explain or resolve the issue! They disputed a charge from XXXX which I did not authorize. They are systematically trying to make these issues so confusing as to hope their customers give up.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Thursday, XX/XX/2024, at XXXX XXXX EST, I contacted Capital One via the customer " service '' phone number ( XXXX ) XXXX to discuss my credit card and a few questions I had about my Capital One Savings account. I was transferred to FOUR people to discuss my concerns. The last person I spoke with identified himself as a supervisor in the Fraud Department, XXXX ( I STILL do not understand why I was transferred to the Fraud Department when that was NEVER my request ). While I was asking my questions, XXXX frequently interrupted me to the point I had to ask him if he could hear me because his indirect answers did not resolve my direct questions. XXXX made a reference to Capital One 's bank policies, and when I AGAIN attempted to ask XXXX for further clarification about the bank policies, he AGAIN interrupted me, which prevented me from AGAIN asking my question. Then, I asked XXXX for his ID or any other identifiable information. He gave me XXXX XXXX XXXX ID. I then attempted to confirm his ID by stating, " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' XXXX AGAIN interrupted me before I could finish speaking and said he would disconnect the call. He then hung up on me, and I still did not receive answers to my questions about my credit card and I never had an opportunity to ask questions about my Capital One savings account. I called back, filed a complaint, and asked that someone listen to the recorded phone call ( XXXX unnecessarily told me TWICE that the call was recorded ).
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (WA)

XXXX XXXX keeps changing the first delinquency date on all three credit agencies keeping this old loan on all three credit files when they should have removed it. 

As you can see, XXXX reported a 1st delinquency date of XX/XX/XXXX, which is fraudulent, as the 1st Delinquency Date was XX/XX/XXXX. 



XXXX XXXX also committed a fraudulent act, after I paid off the vehicle, they attached additional fees, and the moment I paid them, they reported that money as a paid charge-off to all three credit agencies. 

I originally went into the local XXXX Bank XXXXXXXX XXXX XXXX  XXXX XXXX XXXX. Branch and paid off the balance in full on XX/XX/XXXX. As you can see they did not apply the full payment. I went back on XX/XX/XXXX and paid {$1.00} to cover the balance of {$.00} cents. 

Then after all that XXXX Bank would not send me my title, they added additional fees and had me pay another {$200.00} and some change, only then would they mail me my title, which I finally recieved at the end of XXXX, XXXX.
Consumer complaint received 2022-04-21
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: TekCollect Inc. (TX)

Tek Collect has ignored my disputes in regards to medical information on my credit report. I never used Tek Collect and they have obtained my personal information and is reporting this on my consumer report.This goes against FCRA and the FDCPA. I don't know or owe Tek Collect anything.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

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 U.S.C 1681 XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXXXXXX - account # XXXX XXXXXXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX XXXX account # 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 with out my written instructions
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ).

I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-06-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I spoke with XXXX XXXX and let them know that this debt is not mine. Its fraud and to remove the collection from my account. After reporting to FTC they removed it and now its been sold to IC System Inc. to try and collect. This is the 3rd time Ive had to go through this with XXXX. The collection is being sold after I dispute and then Im inconvenienced to have to go through the exact same steps. How do I avoid this for future reference?
Consumer complaint received 2023-10-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (IL)

My saga with Barclays has been ongoing since XXXX of this year ( XXXX ). It is now XX/XX/. In XXXX, someone used my personal information to fraudulently apply for and open an Old Navyist Rewards Credit Card, and then proceeded to make 3 in-store purchases between XX/XX/XXXX and XX/XX/XXXX for an amount close to {$1000.00}. I called Barclays, who I guess services the Old Navcyist credit cards, to report the fraud. They gave me no information at that time about what information they needed from me in order to prove that this was fraud ; they simply told me they would investigate. They investigated, and determined it was indeed me who opened the account and made the charges. So I filed a police report, reported the fraud to the credit bureaus, and provided this information through the mail to Barclays. Barclays claimed never to have received the information I mailed to them. So, I faxed it to them. I also sent them copies of time- and location-stamped digital photos showing that I was not in the locations where the purchases were made on XX/XX/XXXX and XXXX. I did not have location services turned on on my phone at that time, so I'm not sure how else I can prove that it was not me. They have once again denied my fraud claim and are preparing to send my account to collections. 

This is ridiculous and an insulting waste of my time. My credit history prior to this fraud shows a near-perfect record. I have never opened a rewards credit card of any sort, and though I have made purchases from Old Navy in the past, I have never made a retail clothing purchase for anywhere near the {$700.00} of one of the fraudulent charges that were made to the account. My credit was excellent for my entire adult life until this fraud, and I am outraged. I'm not sure what else I can do to prove that I am not responsible for this account. Hopefully this complaint will help.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Affirm Holdings, Inc (OH)

Joined XXXX XXXX XXXX in XXXX and it is a 100 % guaranteed program. In XXXX I sent an official message stated I wanted a refund and it was not working. I was given a reply that stated I needed to continue for the year and then he would give me my refund and {$2000.00} on top of it! I have since then been deleted and blocked from everything. Affirm is condoning/supporting the scam that XXXX XXXX XXXX is running.