davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-24
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. (PA)

I filed two ( 2 ) disputes in regards to the erroneous collection account on my credit report. I disputed the validity of the debt however XXXX XXXX XXXX has continued to violate the FCRA by reporting the negative account to the credit bureaus and refusing to supply me with documentation validating the debt. The collection agency and credit bureaus have both failed to provide any documentation that supports that the collection account belongs to me. I have made several attempts to get this erroneous account removed, however the credit bureau continues to " validate '' the collection account without doing their due diligence and without providing any documents, contracts etc that connect me to this debt.
Consumer complaint received 2022-10-07
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)

This is my sixth attempt to notify the Credit Bureaus that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the XXXX data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Please remove the following accounts completely from my Credit File : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America account : Account is closed so I only have last XXXX of account number ( that is all that is sent on email and I cut up card - so I can not provide full number unfortunately ) 1- I called to close the account in early XX/XX/2021 ( I believe XX/XX/2021 ). You can not do this online. I had balance of around {$550.00} and this was paid. 
2- I assumed account was closed, I stopped receiving monthly account statements ( which had always been sent by email - no change in email address or home address ), had NO communication from company 3- XX/XX/2021, received email of monthly account statement that looked like they had previously. IT stated I had payment due of {$70.00}. No phone calls and no contact of any urgent nature, simply a monthly statement. Actually didn't even mention about anything outstanding. I thought it might be some scam as my account was closed for months ( I thought ) and I had not used the card ( had cut it up ) so I called the company. 
4- After countless communication with them, it was determined that they do have history of me calling to close the account but it was not closed. But yet they seem to have documentation of what day I called to close it as they were able to tell me the exact day I called. I am told it was only officially closed because I didn't make a payment for 3 months, yet I received no statements or communication and they can not provide any documents to show that they tried to contact me ( because they didn't try ). 
I am told there was still a remaining {$70.00}. They can not explain why nobody contacted me by mail or email for 4 months or how I would have been able to close an account with a balance. 
5- I gave them my bank routing information to withdraw the balance directly from my account. On XX/XX/2021, an amount of {$70.00} was deducted from my account ( check # XXXX ) and I was told that any filing of bad debt would be corrected. 
6- Today I have again received notification by email that I have a {$72.00} dollar outstanding balance on this account. I have no idea where the money went that was deducted from my bank account 7- I see today that my 20 year credit ( typically was around XXXX score ) has dropped from " exceptional '' to " good '' as is now XXXX due to an outsiding debt and this just occured ( per the graph ) in XXXX XXXX at time they suddenly sent me a statement 8- My contact has been XXXX XXXX at Bank of AMerica ( he was person this was escalated to ). Call XXXX and they will connect to him or can leave message. 
I AM NOT SURE HOW TO CORRECT THIS AND MY FINANCIAL HEALTH AND YEARS OF EXCELLENT CREDIT HAS NOW BEEN AFFECTED DUE TO INCOMPETENCE IN THIS COMPANY. PLEASE ADVISE ON WHAT I SHOULD DO, i BELIEVE THIS TO BE ILLEGAL. 
Thank you!
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX 3. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/XXXX... has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-10
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. (IL)

I, XXXX XXXX placed an online order of XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. It was shipped through XXXX XXXX delivery on XXXX XX/XX/XXXX. Tracking number XXXX initially showed that it was supposed to be delivered on XX/XX/XXXX but it was not delivered on that day and finally the tracking showed that it was delivered on XX/XX/XXXX at XXXX XXXX. I was home all day and there was no delivery made by XXXX, so I contacted merchant via email on XX/XX/XXXX at XXXX XXXX  but merchant never responded to my email. Then I tried to catch them via phone call and was able to speak to person named XXXX and explained him that I have not received my package and there was no doorbell and no XXXX  person. He advised me to check with neighbors and then I checked with my neighbors and front and back door as well but there was no package. Merchant is giving false statements about me. I NEVER said it is common for packages to go missing in my apartment building. I always receive multiple packages safely at my apartment building through all major carriers. Merchant was totally non cooperative and was not willing for REFUND or REPLACEMENT. Merchant also stated property is secured and to speak with property manager. Its not the issue with my apartment building so no use to contact property manager. I did mention that it might be possible that XXXX delivered to wrong address because all the buildings are similar in my area. Merchant filed claim with XXXX because I have not received my package. XXXX declined claim because XXXX  delivery SIGNATURE Option was not requested at the time of shipment. It was perishable Frozen Meat and Merchant should have opted for signature delivery to get my item in time. Out of {$450.00} I paid {$130.00} for shipping cost. When I have paid high shipping amount then it was Merchant responsibility to ensure package properly about lost or stolen insurance and option for signature delivery, as all other merchants do for high value deliveries. I am a long time CHASE CUSTOMER since XXXX and I believe that it is unfair that I must bear loss of {$450.00} when I have not received my item.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (LA)

I am writing to delete the following information in my file. The items I need deleted are enlisted in the report. 
I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Theft Affidavit. 
Please delete the items as soon as possible. Thank you!
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (SC)

I am missing a {$1700.00} direct deposit to my account. Customer service is not able to assist with problems all they do is give a generic pre scripted response and say they show no pending transaction but I have a receipt of direct deposit that they have received the deposit. Also thousands of people are having the same issue but cashapp denies they have a problem. It is funny that cashapp issues coincided with the bitcoin market are they locking customers out of there money to use it in the bitcoin market
Consumer complaint received 2022-10-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 XXXX
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

I was using Venmo, a PayPal company, to transfer {$180.00} into my bank account via their instant transfer option on XX/XX/XXXX at XXXX. I have contacted both my bank ( XXXX XXXX XXXX ) and Venmo numerous times. Both saying that the other is responsible for the money not being received into my account.
Consumer complaint received 2022-01-16
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 — Investigation took more than 30 days
Company: Premier Auto Sales, Inc. (FL)

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) 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? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2022-10-06
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the XXXX yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both XXXX XXXX TransUnion. Im guessing these have been reported to XXXX too.
Consumer complaint received 2022-10-07
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Commercial Audit Inc (IN)

I received the first bill dated XX/XX/2021 from XXXX XXXX for {$70.00} on XXXX XXXX. I paid said bill on XX/XX/XXXX in full. On XX/XX/XXXX, XXXX sent me to MCA management company. On XX/XX/XXXX, MCA sent me a letter stating I owed the debt with a collection fee which I did not receive until XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX who stated it was their error, and they will get it rectified. On XX/XX/XXXX, I contacted MCA to make sure it was removed and it was not. The woman XXXX from MCA started yelling at me saying that they can't do anything and I need to talk talk XXXX. She kept interrupting me. When I asked to talk to the manager, she ( manager XXXX ) said I was wrong and that they will not delete the account only mark it paid in full. I told her that was not good enough as this was sent in error. She said they will not delete my account because it was sent correctly. She then told me to take responsibility and pay my bills. Great manager/owner to treat people like that. I did pay my bill less than a week after I received the bill, prior to her company even being involved. For a person to speak down to someone so disrespectfully is beyond me. I ended up saying a bad word and hung up because she offended me so bad. McA should have confirmed the debt was valid prior to sending me the collection letter. They were able to look up my payment while I was on the phone with them so I'm not sure why they couldn't do that before the letter went out. She could also clearly see the account was paid prior to the letter, yet refused to help.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I enrolled in a payment program with Amex on XX/XX/XXXX. They requested I made a payment that would be for the month of XXXX. They confirmed as I asked that the payment was for XXXX and no other payment would be required until XXXX. 
On XX/XX/XXXX I noticed my account saying I had a payment due for XXXX so I contacted them, they told me the system would take some days to reflect my payment. From there on, I contacted Amex 2-3 a week and every time they confirmed my payment for XXXX was done and the system was having a glitch, would fix itself and so forth. 
After the due date I started getting emails saying I missed my payment and the system doubled my payment for XXXX. I contacted Amex, again they said was a system error. 
Finally they said the person that took my payment posted it before my statement close date and they should have waited a day. They said another department had to fix it and would call me in 3-4 days. It's been over 2 weeks since that and I already called Amex another 5-6 times since as I never got a call. Every time they say the same, they are escalating and someone will call me in 1 days, 2-3 days, 3-5 days.. and I never get a call. I am exhausted and this is unacceptable in every possible way. I first told them about the issue on XX/XX/XXXX, it will be a month next week and they have lead me on, given me wrong information and I have spent over 15-20 hours on calls and chats with them. Will they compensate my for all the hours I have used due to their lack of competence? This issue should have been fixed when I first brought it up to their attention.
Consumer complaint received 2022-10-07
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upgrade, Inc. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have