davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

When I moved out of my apartment, I requested a walk through on XX/XX/2019. The manager literally took out a piece of scrap paper and wrote only the oven needing cleaning. I did not sign any confirmation of final damages and neither did they. I asked her if I could have a copy of the scrap paper she wrote on and she stated that she couldn't make a copy because the " office was being remodeled. '' A few weeks later I received a bill saying that I owed {$700.00} for bogus charges with no proof. XXXX ended up keeping my {$500.00} initial deposit that I gave when I moved in, so if anything {$500.00} minus {$700.00} should be {$200.00}. XXXX  even put the total amount owed on my credit report ( which is incorrect ) but I DO NOT OWE. My apartment was left in pristine condition, actually cleaner than when I moved in as the apartment looked like it just had a run over clean, floors were dirty, all the electric plugs had build up of years of grime on them ( which I made them clean later ) there was even a mildew stench and muggy feeling in the apartment, find out, there was a pipe leak in the wall. I even thought, how can maintenance not even feel how muggy it is and not smell that smell?? Water came leaking through my roof in the bathroom and water leaking out in the hallway coming from the attic where the air conditioner vent is. This goes to show how they do not even maintain their apartments correctly. All XXXX is out for profit at tenants expense. Because this report is on my credit, I am unable to rent a place because the landlords at which I apply, see this owed and deny me. I am asking for XXXX to do the right thing and remove this charge from my credit report at once.
Consumer complaint received 2021-07-28
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. (SC)

XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.
Consumer complaint received 2021-07-28
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. (MA)

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ] XXXX XXXX. # XXXX  which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ] This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 



Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 



Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 



Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (FL)

Applied for Visa CHASE CC thru Amazon with {$150.00} gift card incentive on XX/XX/21. I was approved. Began using gift card while awaiting card in the mail. Prior to receiving card, attempted to generate an online profile so I could see balances and purchases and possibly pay as I went along to void interest. Couldn't start online profile without card #, so again, waiting for physical card. Finally thought card arrived only to open a bill that said past due with a LATE FEE! Called immediately to say that I never received a card and can't generate online profile without card to verify charges as mine. They canceled the card for fear of fraud and when I asked about amount due they said they would look into balance due to make sure they were my charges. I truly did not think I should have a balance due because my Amazon charges were being taken from the gift card incentive of {$150.00}. Each time I made a purchase, it showed that it was pulling for said gift card. 
Finally received CC in the mail yesterday ( XX/XX/XXXX ) and tried to AGAIN create an online profile right away so I could verify charges and status of payment. In order to do so, the system wanted to send me a one-time pass code but had TWO old phone numbers and email address from years ago ( I have no clue how that could have possibly happened ), so they could NOT send pass code. I called today and was on the phone 1.5 hours, with various departments, each one changing the old info. Finally, was told that I had to pay balance due as card was locked. What?! Also, if I wanted to generate an online profile to pay bill and check balances, I had to go INTO a Chase bank with TWO forms of ID. I am done. In all of my 60 years, I have not experienced anything so surreal when applying for a CC. If only I could go back to XX/XX/XXXX and NOT deal with Chase. Unless this gets taken care of, I will continue to share this experience!
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Wakefield associates keeps putting fraudulent charges for medical that I NEVER RECIEVED. I HAVE insurance and none of these are associated with any drs or services recieved. 
I have repeatedly proven my identity to XXXX. In turn they sent my real ids to them. I have the email. Now they can really steal my id. This is screwing my life completely up. XXXX is not investigating these disputes. 
I want all recently submitted reinvestigated. 
XXXX  provided these companies with my real info, I'm turn they are applying them differently now. This is a violation of the privacy act an fair credit act I will be seeking legal. 
I want these fraudulent claims removed. 

The other bureaus investigated and removed, therefore something is fishy from the get go. 
XXXX XXXX  notified me the day I uploaded last id they sent to false XXXX. 
I need my rights supported.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOUTHSTATE CORPORATION (NV)

Text msg received XX/XX/2021, XXXX FRM : SouthState Bank ! Contact XXXX SUBJ : Debit Card Locked MSG:XXXX This is obviously spam, I do not have any dealings with SouthState Bank XXXX 
I have recd another text msg regarding and requesting bank info from me. 
Somehow my phone number is being used to extract banking information. 
I have deleted this text.
Consumer complaint received 2021-02-05
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: HUNTINGTON NATIONAL BANK, THE (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, HUNTINGTON NATL BANK Requested On : XX/XX/2019, XXXX XXXX XXXX Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (WA)

On XX/XX/2021 I paid my bill online and in full at XXXX. The payment was not processed until XX/XX/2021, the day after the payment was due. I was charged a {$29.00} late payment.
Consumer complaint received 2021-07-28
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. (TX)

Experian along with the other 2 credit bureaus failed to investigate anything on my credit report & delete items. There are several items that have been paid on my credit & should be deleted along with the inquiries from the car dealership from pulling my credit with multiple banks when I told them not to, the burden of proof is on them to provide how they came to the conclusion by law for these items to remain. I will continue to dispute through the CFPB until you all force them to do something about this
Consumer complaint received 2021-07-28
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. (FL)

Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. XXXX  already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.
Consumer complaint received 2021-07-28
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. (NC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of InquiryXX/XX/XXXX XXXX  Date of InquiryXX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

I am complaining in addition of first. I have address service process and just went to have access to find blocked to access and availability. Called customer service with representative of process address information of interfere process of capabilities with problem of concern no assistant still on online access to funds for transfer family member needs .. transfer not available of my account that is as customer with bank monitor with capabilitie with my account and who is capable for access or approval. Concern when my money is needed and not available at time. I just want to question service process not addressed documented example in vestigations of account account question ant nyk investigation outcome leaving question address..no access to disputes transaction online always had access and service availability cancelled with out knowledge not approval not available question of reasons no response. Also withdrawal of service of credit approval for not available fund with Checks deposit availability income assessment availability. All consider involvement of bank access as customer here in XXXX  as a continue customer from XXXX. A always trust well Fargo bank will stay as a value customer if questioning and it '' s capabilities and interest. Consist banking processing.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Quality Asset Recovery LLC (NJ)

I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( QUALITY ASSET RECOVERY L {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.
Consumer complaint received 2021-07-28
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-28
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. (OH)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2021-03-23
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. (TX)

Please remove All Authorize user accounts off my credit and the address that is attached to it these are not my accounts. It has been over 70 days when I reported this information I would like it removed or I will have to file for litigation
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I am XXXX  and constantly have XXXX  XXXX  after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurute information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-28
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. (CA)

I contacted XXXX to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Consumer complaint received 2021-07-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc. (TX)

On XX/XX/XXXX XXXX XXXX XXXX XXXX called my last employer, XXXX and told the GM I was going to be charged with electronic check fraud and they would be there to serve me immediately if I didnt pay in full. They left the number XXXX and case number XXXX. They represented themselves as a law office and provided a number as well as a case number. When I called the number they told me a debt had been turned over to them by MoneyKey and the state would be prosecuting me for fraud as well as their attorney would be suing me. They repeatedly told me I would be prosecuted and held accountable for the fraud I committed. When I asked for names and addresses they refused to provide me with additional information. I requested proof of the debt and the threats they were making or anything in writing to help eradicate the matter and was told there was nothing that could be done but pay in full. They made multiple threats to attach additional fees if I didnt pay in full immediately that same day XX/XX/XXXX. They have since then called multiple people telling them this. I havent committed any fraud I repeatedly asked for proof and to be sent of what they were saying and was told I couldnt be helped. Luckily, my last employer records all calls so I can get recordings of the call if need be. This company is violating FDCPA rules and regulations and multiple complaints have been filed against them with the XXXX. Businesses like this shouldnt be allowed to operate without penalty. I cant undue the lies they keep telling my ex coworkers and different family members they have called. I have told them repeatedly to stop calling. They refuse just as I refuse to pay a debt Im not responsible for. On XX/XX/XXXX I finally found out the name of the actual company who had been calling making the threats. MoneyKey sent an email stating my debt had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. This company repeatedly denies that it is them making the threats by saying its another company but no other company would have the data to quote the loan amount that remained. Not to mention the threats began not even a week after the debt was sold. This is illegal and something has to be done.