davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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: LJ Ross Associates (NJ)

Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and XXXX  reported it. I again disputed it and was successful. Then again another credit agency reported it and XXXX  once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now XXXX  says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XX/XX/XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX  and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX  house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX   house in XX/XX/XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

I was offered a Secured CC on XXXX XXXX through Citibank as a way to Build/Repair your credit. I opened it with a {$300.00} Deposit on XX/XX/2021 and that was my credit limit. Per their Pamphlets Citibank would revaluate your account and refund your {$300.00}. After 18 months of successful payments and responsible use. I made the payments before the due dates and in full never just the basic Payment. I made a {$230.00} Pymt on XX/XX/2021, I called XXXX XXXX, 2021 to let them know it would not go through and I needed them to stop sending it so I could make the Payment on XX/XX/2021. On XXXX-21 they said I owed {$320.00} and I made the Payment. I called on XXXX-21 to ask why the online account was still showing. {$230.00}. Pymt was needed and I only had a $ XXXXCredit Limit. They said pymt would post by XXXX-21. That evening XXXX21 my account was closed I called to ask why the first rep said security issues they were not privy to I asked for a Managing Supervisor she said no not a security issue I would recieve a letter in the mail as to why. I asked about my deposit and she said that was what I had been using and I said if so then why did I owe {$320.00}. If you were using my {$300.00}. Deposit then I should have only owed {$28.00}. I am out of {$620.00} I was using this yo build my credit and fico score so I can rent a home for my family because we have been homeless since XX/XX/2021. Now all of that is going to be affected by the scam a supposedly reputable company Citi bank XXXX was offering this is a scam and XXXX XXXX needs to take this off their website so no other consumer is affected like I have been.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

ATTENTION TO PLUSFOUR INC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company PLUSFOUR INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire AN ACCOUNT. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I had a deadline to make a wire transfer in order to buy a house. I called Capital One multiple times to transfer the money and they kept on telling me I can only do the wire transfer online. I tried making the wire transfer on Capital One website in my login and the it wouldn't work. No reason was given why the Capital One website couldn't do the wire transfer. Unfortunately I had no way of accessing my money and was forced to miss the deadline to transfer the funds.
Consumer complaint received 2022-03-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm working really to fix my credit report. I was able to dispute a transaction on my credit report as I had no knowledge of this collection account. Due to my hard work and research I was able to get it remove. However it was remove and they dropped my score XXXX points. I've called Transunion and for some reason I guess their outsource in XXXX in which they're very rude and wouldn't let me finish my sentences. I don't know what to do at this point. 

XXXX XXXX XXXX  - Removal date on Transunion report XX/XX/2022 2022
Consumer complaint received 2023-07-25
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. (VA)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable XXXX.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (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? XXXX. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (CA)

Experian & XXXX  have not removed a disputed debt currently owned by XXXX XXXX XXXX reported on my credit report. XXXX  purchased the alleged debt from XXXX XXXX. 

XXXX  has done their proper due diligence and has had the incorrect debt removed from my credit report.
Consumer complaint received 2023-05-27
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. (IA)

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights.

In Accordance with the Fair Credit Reporting act,, 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 an account without my written instructions.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

There are two loans from XXXX loans and they keep reselling the loans to collections I have a total of six times the same two Loans are on my credit report and this is since XXXX, shouldnt they have been off my report? This is preventing me and my children from a lot we are entitled to. Ive been disable by the state of Ma since XXXX and unable to use the certificate I recieved for completing the medical assistant course at XXXX XXXX in XXXX, Ma!!! Totaling up to almost XXXX dollars on my report this is unfair and unjust I have had to higher a lawyer to help me also taking note money out of my pocket as a single mother of XXXX children trying to better our lives but get turned down from so much for example we need a vehicle and I cant get one cause of this situation. My name is XXXX XXXX XXXX DOB : XX/XX/XXXX last four of social is XXXX please help stop this madness!!!
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NJ)

I have attempted to resolve this account with the creditor directly because this isn't a balance that is owed. Creditor sold this to Caine & Weiner which is not a balance that is owed. The account was closed at XXXX balance.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My business was ran thru my personal checking account.. I got overdrawn by {$25.00}, the first time ive ever been overdrawn, stayed in contact with the bank to let them know money is coming its just 2 months late. Friday eve at midnight they charged off the account, no warning, even apoligized later that they didn't call prior tho I had been in contact with them and " everything is fine '' according to customer service. Monday morning my deposit hit, {$9300.00} and I call them to reactivate the account and they wouldn't they had to wait for it to close and I could reapply. I said well where can I pick up my money im going to bank elsewhere! I was given this run around that it would take 3 days to close, I would for sure have it released Thursday. 

I called daily and asked status, I was told a different story each time I called until one lady slipped up and told me I wouldn't be getting my money bc its fraudulent I would have to wait for a 15 day investigation. Im livid at this point. CapitalOne is my checking account, they are not the SBA nor are the my two lenders that procured the deposit. They have no business pulling something so shady when they could be focus on real fraud within their own bank. I need help getting my funds back so I can hopefully unflop my defaulted business before its too late.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mutual Management Services LLC (MN)

I have not been notified of this collection, I have never received a message nor have they provided me with any proof that I owe them, this collection that appears in my credit report affects me directly since it damages my score and my credit history, I consider this a violation since they have not contacted me and only uploaded it to my report.
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)

This account is not mine. I stayed at the resort once but only paid for the room for the time I was there. I did not purchase anything from them. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXX took my information they had on file while I was staying there and fraudulently used it without my permission to open this account. XXXX & the credit bureau have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to XXXX  and TransUnion and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (MA)

Hi ; 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I have no knowledge of this debt belonging to me. Letters have been written to this company requesting proof of debt owed. The company they are claiming to represent is Synchrony Bank JC Penney. I have not done business with JC PENNEY for over 8 years.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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