davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE BANKRUPTCIES BEING DISPUTED HAS BEEN DISMISSED AND IT IS STILL REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF THE REPORTING BUREAUS FOR THEY HAVE BEEN DAMAGING MY CREDIT FILE. ALSO REMOVE ALL THE UNAUTHORIZED INQUIRIES.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

The account in questions had some fraudulent transcations sometime in XXXX or XXXX were succesfully disputed with the credit reporting company and subsequently remove from my report twice. Even if the transaction were legitimate they would have reach the status of limitation a long time ago.

Unfortunately Navy Federal is choosing to use predatory practices and keep adding the fraudulent account to my report, even fraudulenty reporting that I made payment for {$240.00} in XXXX.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc (WA)

I have made several good faith attempts to pay this debt in full my issue is the following : Chime Bank has not provided a way to make payments on this debt. I have chatted with customer service representatives in the bank app. I've also made calls demanding a way to pay off my debt. No reasonable solution has been given for me to payoff this debt. I have no access to this account and Chime Bank refuses to offer a way to make a payment method to resolve debt. Please see attached correspondence with Chime representives.
Consumer complaint received 2021-03-17
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)

My account with XXXX XXXX collection agency has been re age. The date of last activity show Transunion being XX/XX/XXXX and XXXX show XX/XX/XXXX The original creditor ( XXXX ) has the date of last activity as XX/XX/XXXX, this shows the account has been re age.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

The XXXX Companies have dropped my score twice for the same reason using the same evidence. They have yet to produce the evidence and have dropped my score a total of XXXX points on XXXX separate occasions without proof. This seams a XXXX matter or a pay-back for a legal claim. The company states they have XXXX hard hits. I want a list of the name 's dates for the XXXX hard hits for both times because they did this XXXX times in an XXXX time span. I worked a rebuild my score preparing to apply for a mortgage so that I could move from the place I was living. I have been very ill therefore I was returning to work off of a XXXX XXXX. My employment status was parttime, so it was very import that my score had to be perfect. I would have never applied for XXXX of anything. I AM REQUESTING THE PROOF THAT WOULD CREATE THEM TO DROP MY SCORE TWICE AND HURT MY DREAM OF GETTING A HOUSE. I am in the window of opportunity ; this is criminal and a violation of my right to live as i have work so hard. I can't wait weeks for this corrective action. This was wrong and I want to see the LIST Names and dates for both of the drops that have been charged against me. THIS IS NOT FAIR.
Consumer complaint received 2023-01-16
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: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I reported about XXXX fraudulent transactions I discovered on my account all charged by the same vendor. The Chase website told me to call a phone number and report the fraud. I did so immediately. While speaking with the customer service representative, I learned that there were an additional XXXX unauthorized charges on my account dating back to XX/XX/XXXX. I asked him to submit every single charge from this vendor as fraud. He agreed to do so and then asked me to dispose of my credit card as a new one would be sent within XXXX days. I never found out the exact amount of the total charges but assumed Chase would have to also deduct interest paid, etc. I was told that a provisional credit would be issued immediately. Today is XX/XX/XXXX. I have received neither card nor credit. I have called the bank XXXX times this past week and also have sent several emails. I keep receiving the same response which is that the bank is going to escalate my dispute to the next level and I should have a resolution with XXXX hours. In the meantime, I have repeatedly checked the dispute center online and I always receive the response that I have no disputes pending. Today, I called the Fraud Resolution department XXXX more time. I found that the initial fraud I reported was never disputed. The bank did find at least a portion of the older charges to be fraud and I was promised the provisional credit in another email received this morning. The woman I spoke to today finally reported the original fraud charges I reported from XX/XX/XXXX to XX/XX/XXXX. I asked her what the credit would be for just the most recent XXXX fraudulent charges. She gave me an amount that was over {$400.00}. I did not ask about the other XXXX charges but I imagine there must be around {$1000.00} that was stolen from me. Again, I was told I would immediately receive this credit. XXXX hours later, my card balance remains exactly the same, no charges have been removed and Im still paying interest at a very high percentage ( 26 %? ) while Chase prolonges this process. I do have a XXXX and can not work. Thus, I have a fixed income from XXXX monthly. Chase is well aware as I disclosed this on my credit application. My bill is always paid early each month and Im infuriated about the lack of response. I am convinced that my status as a XXXX XXXX is behind Chases slow and illegal processing ( as per my signed agreement with Chase ).
Consumer complaint received 2024-02-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$2200.00} ( previously late open ) XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} ( previously late open ) Collection : XXXX AND XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1700.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-16
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. (MI)

There are two bankruptcies listed on my personal credit report. I wrote a certified letter to the United States Bankruptcy court asking if they reported this information directly to Experian. The written l-etter I received back from the United States Bankruptcy Court advised me in writing that the do not report any bankruptcy information to any of the credit reporting agencies, neither do they update status information for any bankruptcies. I wrote Experian on several occasions and asked that the bankruptcy information listed on my report be removed since it was not directly reported to Experian by the United States Bankruptcy Court. I also asked Experian to give me the contact name and information for who reported this information. I further questioned them to furnish me the information for who reported the information. Given the fact that the United States Bankruptcy Court did not furnish them with such information. Experian has refused to delete the information. I would like the bankruptcy information deleted from my report immediately.
Consumer complaint received 2021-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I was furloughed through a XXXX XXXX XXXX back in XX/XX/XXXX fo 30days and submitted documentation for that months payment to be but on the back of the loan. The morthage company " MR COOPER '' replied a few months later that they would not do it. all of my other accounts such as XXXX had no problem with doing this for me. This past XX/XX/XXXX I sent a bank check from XXXX XXXX XXXX in the amount of XXXXthey claimed to they didn't receive it. after weeks of waiting for it to post to my account. So i had that check cancelled. They then issued a direct check via XXXX XXXX and it was signed for by someone within the company " Mr COOPER ''. The check was recieved and signed for by a XXXX XXXX on XX/XX/XXXX @ XXXX as per the XXXX XXXX tracking Number. I spoke with them today XX/XX/XXXX @ XXXX and was told that they have not received the check. 
The last time i spoke with them a month ago, they stated that they have the check and it would be taken care of along with all the previous derogatory reports back to the letter that i sent them. after talking to their escalation department, they said once again they don't or can not find the check even after i supplied them with the tracking number and bank information. In short i have researched this company and found a host of negative dealings with other customers. Furthermore i told them that this is affecting my clearance levelat mt place of employment, to which they brushed it off.
Consumer complaint received 2020-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IN)

{$1600.00} Jefferson Capital Representatives has already told me the name and D.O.B do not match, I do not have ant written agreements or contracts with them. XX/XX/2020 I have spoken to rep. This negative remark is causing damage to my credit score
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Its been a while and I have not had access to my checking account online since I do not have a US cell phone to send an SMS security code as a second identification. I've talked to Capital One numerous times requesting to use my email to receive the security code which is how I always had received it. I finally decided to close my account but Capital One will not release my funds unless they can send me a security code on a US-based cell phone. I have repeatedly told Capital One that I live in XXXX and do not have a US-based cell phone. I can not get a US cell phone without residing in the US. I don't have a US driver 's license. My IRS and XXXX correspondence comes to me in XXXX. A Supervisor, XXXX, Employee # XXXX told me to send in a fax for a Wire Transfer and gave me the fax # XXXX. I sent a fax on XX/XX/XXXX at XXXX East coast time. I call that evening to verify my fax was received. No one could give me an answer. I was told to call back in the morning. I called at XXXX XXXX  on XX/XX/XXXX and finally connected to the Wire Transfer department. After a long wait trying to find my fax, I was informed that they received my fax but they no longer accept faxes and I need to be verified by sending me an SMS security code on my US-based cellphone. XXXX, Employee # XXXX, said that is the only way I could send a wire transfer. Ive suggested sending a copy of my US Passport issued by the State Department but was rejected. I'll be XXXX on XX/XX/XXXX, living with my wife taking care of her mother who just completed her XXXX XXXX treatments in XXXX this year. We're living off our Social Security and our cash savings is extremely important to us. We do not need this kind of harassment to get our money out of Capital One and transfer it to the XXXX XXXX  XXXX XXXX XXXX. I have not had access for months to my online banking or credit cards to verify purchases and watch for any fraud because I do not have a US-based cellphone. We need our cash available to us for any unexpected expenses. Your assistance is extremely appreciated.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I have a credit card account with USBank due on XX/XX/XXXX, On the due date I paid the account online ( see attached confirmation of the payment ) but USBank posted the payment the following day XX/XX/XXXX and accessed a {$29.00} late fee which I thought was outrageous, I send an email on XX/XX/XXXX and ask why I got accessed a late fee where I paid the account on the due date, I was told the payment was late I called the customer service again the following day asking for an explanation and I was told that the reason I was late is because the payment was made on XX/XX/XXXX at XXXX XXXX and the cut off time is XXXX CST. This is so unfair and unacceptable, If the due date is XX/XX/XXXX, the payment should be good up to XXXX XXXX. I have requested for a refund but USBank refused. This practice is outrageous, unacceptable and unfair This late payment will be reported to the credit reporting agency and will affect my credit, this payment was not late
Consumer complaint received 2023-02-09
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. (TX)

I WAS IN A CAR ACCIDENT ON XXXX AND MY CAR WAS TOTALLED. I TOLF XXXX RIGHT AWAY THAT I WOULD NOT BE MAKING ANY MORE PAYMENTS ON IT AS IT WAS TOTALLED AND THE INSURANCE COMPANY WAS CUTTING THEM A CHECK. XXXX XXXX PAID OFF THE LOAN IN XXXX, BUT XXXX  KEPT REPORTING MY LOAN AS LATE AND THEN AS A CHARGE OFF IN XX/XX/2023.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc. (CA)

XX/XX/2020 Titan Receivables reported on my credit report and never sent me a debt collection letter. Than verified the debt to XXXX after I sent them a debt validation letter XX/XX/2020. They still have not sent me any documents proving how I owe them when I never had a account with them. There are still calling me after I sent a cease of phone communication with my debt validation letter. If they're collecting this alleged account/ money for another company. It is my right to know what there business relationship is and am entitled to all documents requested from titan proving that and the amount of the alleged original debt and payment history.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Experian 's National Consumer Assistance Center XXXX XXXX XXXX, XXXX, TX XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
XXXX XXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation.

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report.

Best regards, XXXX XXXX
Consumer complaint received 2022-06-15
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. (LA)

In accordance with the fair Credit Reporting act US Department of education XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.