davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (MI)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
Ive received allegations in the mail from ERC claiming I have an obligation to their company due to an unpaid balance from XXXX. 

Pursuant to 15 USC 1692g ( a ) Enhanced Recovery Company has failed to validate this debt and/or allow me to validate this debt. 

Enhanced recovery has no first hand knowledge of any transaction between XXXX and I, the consumer. 

Pursuant to 15 USC 1602 ( p ) XXXX is in violation of 15 USC 1602 ( p ) as no authorization or written consent was given to XXXX for the conveying of private information about i the consumer to enhanced Recovery Company. 

Enhanced Recovery Company does not have and can not provide an original contract between ERC and myself the consumer pursuant to 15 usc 1692a ( 3 ). 

Enhanced Recovery Company is in violation of 15 USC 1602 ( p ) for unauthorized use of my credit card which is also attached in Exhibit A. 
ERC has reported on my credit standing which has caused me great hardships as the FDCPA is intended to secure my privacy. 
XXXX as the FCRA 15 USC 1681b ( a ) ( 2 ) Enhanced Recovery Company has no written consent from I, the consumer to furnish anything and place it on my consumer report this is a violation. 

As of XX/XX/2021 signed for and received by ERC with the signatures of a representative XXXX via green return receipt which indicates proof of receiving notice.
Consumer complaint received 2020-03-29
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. (GA)

Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXX - towards the end of the payment program, I started making large payments. 

XXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.
Consumer complaint received 2021-10-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capio Partners, LLC (LA)

I dont know who ASSETCARE is and tomorrow Im opting out of XXXX XXXX and XXXX XXXX Ive XXXXn phone calls from six in the morning till XXXXXXXX XXXX Ive Disputed this with XXXX they took it off in three months later put it back on because and the balance is incorrect because the creditor has two different other Balance on XXXX XXXX and XXXX and I am opting out of them tomorrow morning. I dont know woh ASSETCARE is And I am tired of the harassment.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (TX)

In or around late XX/XX/2020, I received a bill from the XXXX of XXXX XXXX for ambulance services allegedly performed on XX/XX/2020. I had not been to XXXX in XXXX XXXX or at any time since at least XX/XX/2020 XXXX, and I have never used the XXXX  of XXXX XXXX 's services. I informed the XXXX of XXXX XXXX that the debt was not mine, and someone confirmed via email that it would be updated and removed. Since then, I have received a notices from Municipal Services Bureau that I owe the debt. I have contacted the Municipal Services Bureau and was informed that my date of birth did not match the date of birth on the account and that the account would be updated. Nonetheless, I then received another bill a few days ago from Municipal Services Bureau. I have contacted them in writing to dispute the debt. I
Consumer complaint received 2020-03-29
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)

Early XX/XX/2019, I was having problems making my VA mortgage payments. Called XXXXXXXX ( my VA Home Loan Servicer ), and was able to be placed on a repayment plan until I could find employment again. During this time, I found gainful employment, and was ending my payment plan with XXXXXXXX -  towards the end of the payment program, I started making large payments. 

XXXXXXXX has been and still is reporting that my VA Home Mortgage is delinquent, and 120+ days past due. I have receipts from payments made that include date, time, and amount. 

I have disputed this negative reporting for approximately the past six months and XXXXXXXX does not return messages or have a way to contact them directly. 

I am happy to supply all pertinent documentation back my claims.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (MD)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report immediately. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has refused to put a freeze on my credit report! 
XXXX XXXX Transunion are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter 7 bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021
Consumer complaint received 2022-12-28
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. (MD)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

Dear Sirs, I have over the past week had significant problems accessing my money from Chase. 

They locked my online account and cancelled a wire transfer with no notice, and no attempt to contact me. I have called their callcentre repeatedly and spent between 2-3 hours on hold - been transferred to the wrong person and subsequently disconnected. This has happened 2 or three times. I have also gone to a chase branch XXXX XXXX XXXX XXXX, XXXX, Texas XXXX and spoke to a private banker there. They had taken copies of ID - I waited in branch while he stayed on hold on the phone for around 2 hours .... he said leave it with him and he would speak to them and have the account unlocked. He emailed me confirming he had done so and it is still not unlocked. Ive wasted aproximately 2.5 full days of my time between visiting the branch and being on hold and the matter is still not resolved. I do appreciate that coronavirus makes matters very difficult but there absolutely must be better customer communication - its the fact ive been transferred to multiple representatives who are not being able to help and/or am getting disconnected that is making me extremely angry with the situation.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-29
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, TransUnion, and XXXX. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Since, XXXX, I have made an effort to pay off my debt, before then I was able to get a credit card with a debt of XXXX and many missed payments prior and a low end job. Now, I cleared my debt in XXXX of either XXXX or XXXX. I even had a higher paying job in XXXX of XXXX making over XXXX in addition to child support thats roughly XXXX for over a year. However, I was unable to get a credit card. I haven't been able to get 1 since XXXX. Now, I recieved my score and experian claim its in the XXXX 's. There's no way possible when my debt is only XXXX dallors I have supposedly 10 late payments, some to which include payments in XXXX. Which should be deleted. I'm tired what of what Istrongly believe is bias and discrimination. 

Last 4 digits of Social # XXXX, the option below is not working
Consumer complaint received 2021-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on transunion XXXX CARD ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX TU and the other is a XXXX on XXXX XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX EQ. 
I also have multiple inquiries on my XXXX and Transunion report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Someone hacked into my Suntrust bank account and performed the following actions : On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$450.00} to XXXX XXXX On XX/XX/2020, used XXXX to transfer {$470.00} to XXXX XXXX I did not authorize any of these transactions or was aware of it until XX/XX/2020. I checked my account and noticed the unusual transfers. I immediately contacted Suntrust Bank Fraud center to report the issue. The representative gave me a case number and told me to check back on XX/XX/2020. She also told me that Suntrust will credit the lost money to me during that investigation period. However, I never received any credit from Suntrust. 

On XX/XX/2020, I contacted Suntrust regarding the case. I was simply told that the case was denied due to " Inconsistency ''. I asked for clarification and the representative said that he can not explain anything further than what the investigator reported. He also said that " I need to be able to prove that I was hacked in order for them to continue with the investigation '', and " without additional evidence from my end, the case will be closed and can not be reopened '', and hung up on me. I called back and spoke to another representative and was told the same thing. This representative however told me that he will send me an email to fill out the appeal form to have the investigators look at my case again. I waited till the next day and did not receive any email so I contacted Suntrust again. This was on Saturday XX/XX/2020. Another representative told me that Suntrust will send the form to me via mail instead of email. I have waited until today ( XX/XX/2020 ) and checked the mail every day but no form was delivered. 

Please take a look at this case and let me know if theres any additional information I can provide to support my case. I just really dont know how to prove that I was hacked. 

Thank you very much for you help.
Consumer complaint received 2021-10-15
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-03-29
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. (SC)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

To whom it may concern, I am an AMEX member since XXXX, and holder of the AMEX Platinum Charge Card that I pay {$550.00} per year annual fee, but right now am not getting what I am paying for. The reason for this is the AMEX seem to have blocked my loyalty program with them know as Membership Rewards Points. I collect these when making purchases on my card. I currently have a substantial amount of points approx 93k right now. I have had this Platinum Charge Card for a few years now - always paid on time, no late or missed payment and all my accounts with AMEX have and continue to be in good standing. 

I rarely use my Membership Rewards points, and the last time I did was in XXXX this year and transferred only XXXX of them to my linked hotel account ( Hilton ). When I went to do the same thing earlier this month amidst all this COVID-19 chaos to use my Membership Rewards points in an emergency ( the whole reason I have built them up ) I was met with the following message from AMEX on my online account : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called AMEX, they were extremely unhelpful and no one knows what the issue is. This is unacceptable as is falsified consumer product offering. As mentioned, I am now paying the annual fee which is an extraordinary amount - for a service I am not getting and no one at AMEX knows what is going on, or will help. Someone knows how to unlock this on my account and this is why I am having to file this CFPD report. 

There has been no issues on my account, and a couple months back AMEX were helping me register new loyalty programs with external companies ( like XXXX XXXX, and Hilton Hotels etc. ) to my Membership Rewards account. Seems whatever they may have done may have caused this issue? I don't really know, but I need this rectifying ASAP as I have to use my points in an urgent manner with all this COVID-19 situation. 

It is extremely unfair, unprofessional and against a consumer act the way AMEX have done this and dealt with me, or lack thereof. 

I read on many online forums that AMEX are known for doing this for no reason and that the common process for people has been to contact the CFPD as AMEX are very bad from a customer service perspective on resolving this in a timely manner. 

I spend an average of {$5000.00} a month on this credit card and continue to be a very loyal customer. I have included screenshots of my account, average balance per month, how many Membership Rewards Points I have and also a screenshot of the message AMEX are showing me when trying to use these points. 

Please can someone help me with this and have this rectified. 
Kind Regards, XXXX XXXX
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I was helping a friend by co-signing for her residential rental. I obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$2.00} ( XXXX for each report ). Then they started charging my credit card monthly for ongoing monitoring that I was unaware I was signing up for. Unfortunately I did not notice right away. It was {$21.00} x XXXX for myself and my friend. I finally had time to call Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. I am a XXXX so am not stupid. I did n't see/notice this fine print. I looked online at YELP to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. I can afford this mistake. Others who have less money and are trying to get a job or a rental and are n't as educated can not afford this mistake. Experian refused to refund my money when I spoke to them on the phone. Please please help the less fortunate people be able to access their credit report without being " played '' by this company. Please also review the YELP reviews. This many people ca n't be wrong.