davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
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. (VA)

When I applied for a car loan I was denied because my credit came back bad. When I looked m my credit report I saw several things that were not mine and should have never been on my credit : XXXX XXXX. XXXX 
XXXX 'S XXXX XXXX. XXXX XXXX XXXX OF XXXX. XXXX AN. XXXX XXXX. XXXX XXXX. 
XXXX. XXXX. XXXX XXXX CR XXXX. XXXX XXXX. XXXX XXXX. XXXX 'XXXX. XXXX XXXX XXXX. I was instructed to contact the police department locally and FTC, and I've done both.
Consumer complaint received 2020-12-31
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. (FL)

Experian claims that I didnt authorize my own complaint. Please investigate and delete the following disputed accounts : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I opened a new Navy Federal Credit Union account at Navy Federal XXXX XXXX XXXX, XXXX, Tx XXXX this has been the branch that I have used on multiple occasions since opening the account. I had a XXXX XXXX on Sunday XX/XX/year> which extended until XX/XX/year>. On Tuesday I went into a new branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX to make a withdrawal and was service by an extremely rude bank teller. I gave her my id she proceeded to ask me questions such as what did I need money for, she also asked a racially discriminating question which was why does a person like me have random money in my account without having a job or direct deposit. I was completely in shock and embarrassed in front numerous customers at this point. The banker proceeded to now question the validity of my drivers license even after scanning it in the system. The bank teller then tells me that the photo on the drivers license is not me, which in fact it is! except on the license I had blonde hair. I advised the banker that this is the same identification I used to open the account and have also used for various transactions. The bank proceeded to embarrass me in front of bank customers and told me she will not allow me access to my funds and also she advised that I needed to bring in other form of identity. I have requested Navy Federal to remove the restrictions on my account immediately I need access to my money now! I have contacted customer service and have not received any assistance at all. This is my absolute last resort in trying to resolve this matter directly with the bank before reaching out to legal counsel. I am requested that the restriction on this account be removed immediately or for this account to be closed and you can mail me a check for the remaining balance on my account.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX, VA, XXXX Account Number : XXXX Dear Sir/Madam, The Collection Agency PORTFOLIO RECOVERY ASSOC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have reported a collection on your consumer report. You have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ). The Collection Agency ( PORTFOLIO RECOVERY ASSOC ) is violating your consumer rights through false, misleading, and deceptive practices. Moreover, they lack the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures as mandated by law, thus, they are in clear violation of consumer protection regulations. '' Said agency 's use of false, misleading, and deceptive means is a violation of consumer rights. Additionally, furnishing the account to consumer reporting agencies without providing required disclosures is unlawful. Please remove said collection. 

Sincerely, Best regards XXXX XXXX.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OR)

On or about XX/XX/21 I applied for a Chase Freedom Unlimited credit card with this signup offer : " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from opening the account. And earn 5 % cash back on grocery store purchases ( not including XXXX or XXXX purchases ) on up to {$12000.00} spent in the first year. '' I received the card a couple of weeks later and started using it. After my first statement, and after spending more than the required {$500.00}, I found that Chase did give me the {$200.00} bonus ( in the form of XXXX bonus points ) but not the 5 % on grocery store purchases. I called to ask why and was told the I never signed up for that sign up package. I told them that I did and Chase person said she'd escalate and that I'd hear back in 14 days. I received a letter 10 - 12 days later that said, " Thank you for contacting us about the bonus offer on your account. Although your account isn't eligible for the new offer you requested, the original offer is still available to you. We encourage you to take advantage or your original offer. Your original offer is XXXX bonus points after you spend {$500.00} on purchases in the first 3 months your account is open '' On XX/XX/21, I called again to find out why I didn't get the full bonus offer. After several calls, I reached a supervisor who told me that there were 2 offers in effect at the time I applied for the card, the one I described and another that gives {$200.00} but no grocery store bonus. That is, one offer is a subset of the other and worth about 30 % of the other. Which one you get, according to the supervisor, depends on which online route you took to the application.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (TX)

THIS IS AN EMERGENCY!!! 

NetSpend Prepaid Visa ( backed by XXXX ) has completely shut down. Nobody has access to their money. ALL transactions are being declined. The website is down. The customer service numbers are completely disconnected. This is scary. It is XX/XX/XXXX. People need to pay rent. I understand that they are probably being inundated with stimulus checks, but they KNEW these checks were coming. They should have prepared themselves. Now their systems have crashed and they disconnected their phone, so they don't have to talk to us. NetSpend has two customer service numbers. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. BOTH numbers are disconnected. The number to XXXX is XXXX XXXX XXXX XXXX XXXX. Nobody answers the phone. People need to pay rent. The federal government needs to investigate NetSpend/XXXX, because they can't just disconnect their phones when they neglect to prepare themselves for something that they KNEW was coming.
Consumer complaint received 2021-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I requested and received a free copy of my credit report ( dated XXXX XX/XX/2021 ) from the Experian Credit Bureau. The bulk of the information was accurate except that there were two previous addresses which were incorrect and did not belong there. I submitted a written request ( via USPS ) to have these two addressed removed. On XXXX XX/XX/2021, I received an email from my estranged brother advising me that he received two email from Experian advising that my dispute results were available. He forwarded these emails to me and I subsequently called Experian to find out what was going on. 
An Experian agent advised me that they responded to my dispute via the only email that they had on file for me. I advised them that I have never provided an email to them, in fact, my only correspondence with them has always been in writing and via US mail. They also advised me that I had an account with Experian. Apparently, an account was set up in my name with a password, a PIN, a security question and my brother 's email address. After going back and forth with the agent, I convinced them who I was and was allowed access to the account. I took this opportunity to change all the information except for my brother 's email address. 
I stated that I wanted this investigated as an identity theft and asked that charges be filed. I was told that I needed to file a police report to get that started. I filed the police report with the XXXX XXXX Police Department on XXXX XX/XX/2021. A copy of this report was forwarded to Experian along with additional proof of my identity. Experian responded by issuing a fraud alert - and nothing else. 
I tried multiple phone call to Experian to emphasize my desire for answers. I finally wrote to Experian on XXXX XX/XX/2021 and repeated my request to have this matter investigated and prosecuted. I received a generic response that a fraud alert was issued per my request. ( I never requested a fraud alert ; only an investigation. ) I strongly suspect that it was my estranged brother that committed this act, however, I can't guess what his motive was. I can not pursue this matter on my own as I have no idea where this crime generated from. Only Experian can help me with that. 
I would think that Experian would have some concern regarding someone breaching their system but they have shown no interest. I want to know how this happened, who committed this act, and see a referral to law enforcement.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX, XXXX XXXX was sent a debt validation letter. A copy of this letter has been provided for reference. The letter was sent official certified mail. 
On XX/XX/XXXX, I received a response from XXXX XXXX regarding my request for debt verification. Within the response from XXXX XXXX it provided a letter from " Comenity Bank '', the alleged original debtor '', that " XXXX XXXX, XXXX. is entitled to pursue the collection activities and other legal remedies to collect the " unpaid balance '' on your charged-off accounts. ". The letter from the alleged original debtor " Comenity Bank '' was dated back XX/XX/XXXX. Said correspondence was alleged to be sent to my former home address. However, I never received this information. 

In addition to the letter from the alleged original creditor, XXXX XXXX XXXX, also advised that they " were uncertain of what you are specifically disputing ''. My debt validation letter was quite clear regarding the information I was seeking. It is my conclusion that XXXX XXXX does not have appropriate proof of ownership of the debt in question. Also, it is my conclusion that XXXX XXXX created the letter aforementioned on their own behalf. I investigated a " Commenity Bank '' and their organization, it appears that the header utilized in the correspondence differs from that of the original " Comenity Direct Bank '' logo. Per the FDCPA, this is not a sufficient proof of ownership of the debt nor an adequate demonstration of my ownership of the debt. Given as such, it is my strongest suggestion that XXXX XXXX XXXX. consider this complaint and agree to the fair resolution requested.
Consumer complaint received 2021-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

I moved into the apartments XXXX XXXX, located in XXXX, GA 2020 XX/XX/2020. Upon my walk through which did not take place until after my lease was signed, I noticed many things wrong with my apartment in the days/ weeks to come. In addition to but not including, there not being any running hot water in the master bathroom, many insects and small rodents, a noted coyote problem which was I was not advised of before moving in ( which is against the law ), wooden planks with nails sticking out ( violation of building and health laws ), due to all of the issues listed with some excluding, I eventually moved out. Before moving out, I did advise the rent office many times of the issues, the issue was escalated to the property manager and I was told that I would just need to provide them with a notice to vacate and that would be it. All women in that office are miserable, unprofessional, hateful, petty and honestly cause such shame to not only themselves but women in professional places in general. 

The cheap issues were fixed, the issues that cost money were not, and I served them with an intent to sue XX/XX/2020. After that notice was sent, the defamation of character slander began ( listed in the lawsuit as well ). The rent office, corporate and the property manager stopped answering calls and emails. Maintenance stopped fixing what they said they would fix in the beginning and served me with another statement that was over 4 times the amount of the first statement they sent.

That is nothing short of retaliation. They added on additional fees, out of pure spite and hatefulness. I asked for proof of the mess I left behind that resulted in the addition fees and I was told the company had no proof since it had been more than six months.

I asked why I received two different statements for two different amounts, one before being sued which is the accurate statement and the other which is false, after the lawsuit was served. 

You can not just add additional fees and charges to a statement and not have additional proof to back those allegations up. 
I have asked for a thorough investigation from all credit reporting agencies, the credit collection company and the third party law firm that is actually handling the collection. XXXX XXXX XXXX is listed on my credit report as the debt collector but it is actually being handled by a law firm. 

The first statement that was sent to me is the correct statement, the second one was sent out of retaliation which is again, another law this company has broken ( XXXX  XXXX ). I need a real investigation based off the dates included, the details of the lawsuit and the fact that no proof has been provided in over a year.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the alleged debt referenced in your recent correspondence and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I demand competent evidence demonstrating my legal obligation to pay, including proof of the debt, chain of title, errors and omissions policy number, and any relevant documentation. I require a response within 30 days, failure of which will result in the removal of references to the debt from my credit file and cessation of collection activity. Any negative reporting to credit bureaus must cease immediately until this matter is resolved, and I demand the balance be XXXX out if validation is provided. Failure to comply will result in further legal action to protect my rights. 

Account XXXX XXXX XXXX - XXXX Last 4 Digit of SSN : XXXX
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I am submitting another complaint in response to false and misleading statements made by Portfolio Recovery Associates ( PRA ) in CFPB complaint # XXXX on XX/XX/2021. On XX/XX/2021 PRA responded and had stated they did not use " false and misleading means '' in regard to my address. I have attached copies of the envelopes they sent with the wrong addresses and the dates they were sent. Clearly a violation of the FDCPA. PRA also stated that they did not receive any correspondence from me which is also false. I also attached Certified mail receipts along with green receipts with signatures stating they were received multiple times. PRA also stated they notified credit reporting agencies that the debt was disputed but the debt remained on all three credit reporting agencies and is still reported which is a violation of FCRA 15 USC 1681a ( e ) PRA can not report any factual information. I did receive a response back from PRA on XX/XX/2021 stating PRA did an " investigation '' and sent documents to try and established the debt was valid but failed to provide the information that I had requested. According to 15 USC1681a ( e ) an investigation is interviews with friends and family of the consumer. AS of today PRA has not interviewed any of my friends of family.
Consumer complaint received 2021-10-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I sent a dispute letter regarding XXXX XXXX on XX/XX/2021 and It has pasted 30 days for an investigation according to the Fair Credit Reporting Act ( FCRA ), section 611 : if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the credit file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I believe the account XXXX XXXX should be removed from my consumer credit report
Consumer complaint received 2018-03-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (TX)

From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.
Consumer complaint received 2021-10-27
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. (NY)

There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
Consumer complaint received 2021-10-27
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: Radius Global Solutions LLC (MN)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-30
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. (LA)

I recently wrote to Equifax via certified mail, disputing information that I did not recognize and or find to be accurate on my credit report. The letters I wrote to them were left with an agent of the company per XXXX tracking. Afterwards, more than 60 days later, did not receive any indication from Equifax that the disputed information was under investigation, nor did I receive any investigation results. I gave them plenty of time to get back to me. I do not believe a proper investigation took place for the following items : 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 Also, I am concerned that my right to privacy is being violated. I have no idea how these companies obtained my personal and nonpublic information such as my social security number to be able to furnish the information that they are reporting. I have requested documents from the companies above, and to this day, I have never witnessed any physical documentation baring my signature, nor did I receive any clear and conspicuous disclosures that were allegedly signed by me consenting to opt into reporting, which I have requested. I just want to make sure everyone is following the law and that you, the supervising body of the XXXX XXXX XXXX, are helping to ensure that my right to privacy is being respected, as well my right to fairness and accuracy. I am requesting that the accounts be deleted due to these matters. I do not consent to E-Oscar.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address 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