davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX Late Payments from XXXX XXXX All Inquiries
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 IC SYSTEM XXXX XXXX XXXX XXXX. XXXX, MN XXXX ACCOUNT # XXXX AMOUNT : {$1400.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.
Consumer complaint received 2018-03-02
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. (TX)

On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX  yet. Want to dispute this enquiry from XXXX from my credit reports. 

Credit enquiry from : Institution Information XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-29
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. (NJ)

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!
Consumer complaint received 2021-12-29
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. (NJ)

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

i purchased patio doors From XXXX XXXX. They Were Installed By XXXX XXXX. They Had To meet building Code Requirements For XXXX Florida. On Two Separate Inspections they DID-NOT. ( I Paid for these Back In XX/XX/2019. ) My Payment Was Paid To Bank Of America For the Install.They Took My {$6500.00} For The Improperly Installed Doors. I Disputed The Payment Because They Failed Properly Installed For The Building Requirements For XXXX Florida. As Of today XX/XX/2019 They Are Not Installed Properly. They Don't Pass Code. I told the Bank, Bank Of America I wanted a dispute about {$5500.00} Payment. 
I was given One. and then Notified i Had to Pay the Balance Of {$6500.00} For The doors. I told the Bank I will not pay The {$6500.00} Until XXXX XXXX   Brings The doors Up to Code For My Location. I Believe I'm Protected From Further Payment Of these Doors Until XXXX XXXX Makes good on the Proper Install and Meeting Code For XXXX Florida. I Supplied The Bank All The Necessary Papers They asked Me For to Dispute The Charge Of {$6500.00}. ( Even The Dates Of The Building Inspection By The XXXX Building Dept ) They Are Asking Me ( Bank Of America ) To Pay For Doors That Were Installed By XXXX XXXX that DO-NOT Meet Building Codes For safe Installation For My Location. I Told The Bank, When They Are Installed Properly And Meet The Code Requirements For Florida, I Will Pay The Balance In Full. Thank You.
Consumer complaint received 2019-12-13
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)

I did voluntary surrender on the vehicle and was advised that the car would be sold and I would owe the balance due after the sale. XXXX XXXX reported the full amount was due even though they have the vehicle and auctioning it off. I have not received any updates on the sale price they received from the auction. yet the entire balance was placed on my credit. The car should have been reported as charge off after the sale and any monies they received. I have included documentation sent to the corporate office as well the XXXX  showing the balance was XXXX XXXX-but reported for a higher amount
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (OR)

Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX XXXX XXXXXXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NJ)

Someone opened an account in my name around XX/XX/XXXX, there is a balance of {$5100.00} on the card ending in XXXX. I obtained this information from JP Morgan and chase and told them to close the account on XX/XX/XXXX. I contacted all three credit bureaus and asked them to place a freeze on my credit.
Consumer complaint received 2021-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC (RI)

SL Finance disguised itself as a business to help with student loan payments. They have received a {$1000.00} of my student loan payments to them. Upon asking my new student loan balance, there was no response so i tried to reach out this company about this. No response from the company resulted in me changing my registered credit card that they have been charging for the past few months. Please shut this company down
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MI)

On XXXX XXXX, XXXX, American Express attempted to complete an Auto Payment by withdrawing funds from my savings account at XXXX. The payment was rejected by my bank due to insufficient funds. I noticed the rejected payment the same day. I immediately attempted to rectify the situation by logging into the Amex app and associated the Auto Payment with a new account which had sufficient funds to pay the balance owed on the card. I then contacted Amex customer service via the chat feature on the app. I explained to the rep what had happened and the steps I had taken to rectify the situation by linking a new account. I then asked the representative if the actions I had taken were sufficient or if I needed to take additional action. The customer service rep indicated that the system should automatically attempt a new payment, but asked me to monitor the situation for the next 48-72 hours to be sure. When I checked back in I found that Amex had attempted to charge the old account again. I called Amex and asked them why they had charged the wrong account a second time. They indicated that the system will automatically attempt to charge the same account three times and there was nothing they could do to stop it. I emphasized to them that this was the second time I was contacting them to notify them that I no longer used the old account they were attempting to charge, that it did not have sufficient funds and that I was expressly revoking authorization for them to charge that account further. Amex informed me there is nothing they can do to stop the system from charging the old account and my only option was to wait until all the attempts were complete and then call back to arrange for a payment. Every time Amex attempts to charge the old account, they hit me with a {$29.00} Return Payment Fee and my bank charges me a {$32.00} overdraft service fee. Its outrageous that they refuse to use the new method of payment that I have provided while XXXX hit with multiple service fees.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

I have reached out to the collection agency every 30 days since XX/XX/year> to verify and validate this debt. I have made several written attempts this company has not validated or sent me proof that the debt belongs to me. They have not responded to any of my letters. I have even requested a full removal if they can not validate the debt.
Consumer complaint received 2021-12-29
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. (CA)

Hi, I filed a dispute with Chase against the merchant XXXX for a transaction that occured on XX/XX/XXXX. I filed the dispute on XX/XX/XXXX. XXXX is a monthly subscription box service. I changed my subscription to a monthly subscription prior to my renewal date, but they did not process it and charged me for the full 6 months for {$270.00}. I disputed XXXX of this transaction, or {$220.00}. I received a notice on XX/XX/XXXX that my dispute was denied. Chase did not reach out to me before their verdict to get any info from me. I called them and was told to send a letter with my support to an e-mail provided, which I sent on XX/XX/XXXX. I did not hear back from them. After waiting, I then called again and was told to submit a secure message on the Case XXXX, which I did on XX/XX/XXXX. They replied on XX/XX/XXXX saying they were looking into it. I did not hear back, so I once again reached out on XX/XX/XXXX. I was then told to call them. I called yet again and they told me too much time had passed an that they did not receive my reply on XX/XX/XXXX ( for which I have gmail proof of ). So now they want me to mail it in -- which I will do, but I am sure I will be led in yet another circle. In addition to all of this, the merchant did not even send the remaining boxes and Chase would not let me open another dispute. So I paid money for something I didn't authorize, and on top of that, after being stuck with the charges, I did not even receive the products I didn't want in the first place. I'm really upset with Chase 's dispute process as I reached out multiple times and they did not once reach out to me to contact me on the phone during this process or to ask me anything. I've just been told to contact via XXXX XXXX and nothing was ever done. I'm just at a loss as to what to do now.
Consumer complaint received 2021-12-29
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. (IL)

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My mother works for the XXXX XXXX and she noticed a lot of inquiries so we pulled my report and I have XXXX inquiries that I didn't authorize. She received a letter at the beginning of the year saying that our data had been breached. She has insurance on me and my sister, so our information was also part of that breech. I have not authorized anyone to run my credit. 

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 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 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 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
Consumer complaint received 2021-12-29
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. (IL)

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/21 called XXXXXXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX XXXX described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute wXXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and XXXX XXXX. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FinCo Services Inc DBA Current (FL)

Okay I'm going to start out with Mom banking account with Current Online Banking. Twice this year someone has been able to log in to my account and wipe my monthly XXXX check out twice also happened early this month. Also few months ago someone sent Social Security Administration a letter stating that I have changed my banking information which I did not do after Social Security look it up they said it was electronically done through my bank. I called current and they said that they did not do it. Now after signing up with XXXX XXXX they just sent me a statement stating that my credit had dropped so I looked on it and there are a couple loans that I did not do. 

Update : Partial of my XXXX check was taken in three transactions ; XXXX XXXX XXXX XXXX XXXX XXXX My entire XXXX check has been taken in two transactions, XXXX $ and XXXX XXXX which only left about XXXX $ in the account.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I have contacted Target for 2 payments reporting as late from 2017 and it’s showing on my XXXX  report as updated but still not on my XXXX  and XXXX. It’s affecting my payment history negatively on my score.
Consumer complaint received 2021-12-29
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. (NJ)

I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!