davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

Went to the branch with a copy of the front & back of paid item showing it negotiated by a party other than the payee. Requested that they return the check for lack of a proper endorsement. The manager stated it was not the bank 's policy to return the item and that the " injured party '' or payee had to come to the bank to file and notarize an affidavit. 
This is my company 's trust account. The funds were due the payees per a contract. The bank is allowing an illegal act to be perpetrated by not returning the check to whomever accepted it from the party to whom the funds were not due.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

Ive received alerts describing suspicious activity on my account, so it was suspended in the meantime. When I called to lift the suspension and remove any misconceptions of any fraudulent activity, I was told by two different representatives between two different calls that my account was set for closure and that they couldnt provide me a reason why. Despite the suddenness of it all, I havent been given an option or a remedy as to how I can rectify the issue or what caused it in the first place. Ive had this bank account at J.P. Morgan Chase since I was XXXX years old and now its being shut down immediately without a reason given to me as to why. The suddenness of this seems fraudulent on their behalf as they are my security transfer agents and Im yet to address them regarding their fiduciary duties that havent been upholding properly. 

Contact me for any account details that are needed
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Credit Karma (MI)

I have been working with my neighbor and XXXX XXXX XXXX to get my phone switched over to my affordable connectivity plan since XX/XX/2023, and we were finally able to get the required information from XXXX to transfer my number. I checked all my accounts and had more than enough in my credit Karma account, so the transaction was done on the XXXX of XXXX. Furthermore, I keep getting e-mails saying they need more info again and come to find out Credit Karma is holding my money and will NOT release it until the XX/XX/XXXX. This is going to cause me loss of contact with the XXXX XXXX, my XXXX doctors, my specialty clinics and family and friends. It is my money, and they are treating it as if I asked for a loan and won't release it! This is what my account says at credit karma- XXXX XXXX XXXX XX/XX/XXXX Hold <<<<<<<< - {$2.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hold <<<<<<<< - {$12.00} Posted XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$89.00} - {$15.00} XXXX XXXX XXXX XXXX  {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$85.00} - {$23.00} XXXX XXXX XXXX XXXX  {$100.00} {$43.00} XXXX XXXX XXXXXX/XX/XXXX {$65.00} - {$23.00} XXXX XXXX XXXX {$88.00} - {$20.00} XXXX XXXX XXXX XXXX {$100.00} {$20.00} XXXX XXXX XXXX XXXX {$88.00} {$20.00} XXXX XXXX XXXX XXXX {$68.00} {$20.00} XXXX XXXX XX/XX/XXXX {$48.00} {$20.00} XXXX XXXX XXXX XXXX  {$28.00}
Consumer complaint received 2019-10-17
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. (TX)

Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, Transunion, XXXX, XXXX and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.
Consumer complaint received 2021-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC (NV)

On XX/XX/XXXX I took out a loan for {$2000.00} with the company CreditNinja. I had been a customer for several months prior and my payment history was impeccable. Therefore, when I paid a loan off they would email me and instantly approve me for another loan. At the time of this loan contract I had moved into the state of XXXX I was a prior resident of XXXX XXXX. Unbeknownst to me Credit Ninja is not licensed to conduct business in Indiana. I was never asked to confirm any of my personal information and this company still has my old address in XXXX. In XX/XX/XXXX, I lost my job and for an entire year tried to keep up with this loan and paid a total of about {$4200.00}, with the last payment of {$75.00} paid on XX/XX/XXXX. When I could not keep up with the payments any longer, I advised them I could not continue to pay and they turned me over to a collection agency in XX/XX/XXXX, to a company called XXXX XXXX  ( XXXX ) based in XXXX, NV. I tried to work with this company for a least 6 months and told them I would like to try to settle for less than the balance in full and they refused me every time. The most recent refusal was today, I spoke with a manager named " XXXX '' on XX/XX/XXXX, he told me that they would settle for 50 % of {$5100.00}, which is {$2500.00}. I offered {$1000.00} to settle, which is all I can pay and that would put me in a bind, it was refused. As of XXXX, I have a collection which has been reported on my XXXX credit report from Credit ninja as the original lender and the agency is named as a XXXX XXXX XXXX XXXX, based in XXXX NV, which XXXX XXXX has advised me that they work in conjunction with, as XXXX is the client of XXXX XXXX 

I would like this negative mark removed from my credit report, which was put there by XXXX XXXX XXXX ( as stated by " XXXX '' the rep at XXXX XXXX ). I also want CreditNinja investigated for allowing me to lend with them as I was not in the state of XXXX when the loan was taken out and I have an XXXX ID ( attached ) issued in XXXX, as well as employment records to prove it because I was drawing unemployment in XXXX due to job loss during the time I was paying on this loan, The credit agency says that I still owe a total of {$5100.00} which is listed on my credit report, I can not afford to pay that amount, as I am a single parent supporting XXXX  daughters. I would like this balance cancelled and removed from my credit report.
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (CA)

Equifax is reporting incorrectly collections in the amount of {$48.00} ; {$42.00} and {$28.00} on the XXXX XXXX XXXX account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts were billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-10-17
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. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX   PAYMENT DATA account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Creditrepair.com, Inc. (TX)

I have tried to reach out to them and talk about what they are sending to the companies that have put my accounts to collection that wasn't my purchases. And Credit repair is sending the wrong information to these companies and is taking {$100.00} a month from me for almost a year and nothing has been done. They sent a letter to me instead of the companies, and it said sorry for my late payments, im trying to get a loan. And that is not what the issue is at all. Please help me
Consumer complaint received 2017-11-04
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: EQUIFAX, INC. (NY)

THE PROBLEM IM HAVING WITH THIS CREDIT CARD COMPANIES, IS XXXX I NEVER HAVE ANY CREDIT OR LOAN WITH BANK POPULAR, AND THEY KEEP REPORTING ON XXXX XXXX AND OTHER BUREAUS THAT IM LATE. 

XXXX NEVER LATE ON XXXX CREDIT CARD AND WHEN I CALLED THEM THEY SAID THE SYSTEM AUTOMATIC REPORTED THAT IM LATE. 

XXXX XXXX XXXX NEVER LATE ON THIS CREDIT CARD AND THEY KEEP REPORTING THAT IM LATE EVEN AFTER I DISPUTED KEEP APPEARING ON MY CREDIT THAT IM LATE. 

XXXX NEVER LATE ON THIS, I DO N'T WHY THEY DO N'T REPORT AS A POSITIVE I PAID ON TIME EVERY MONTH AND ITS IS BEEN SINCE XXXX FIGHTING AND THEY DO N'T FIX IT. 

XXXX ON ALLY BANK I WAS ONLY XXXX TIME LATE, AND THEY REPORT THAT I WAS LATE 5 TIMES, AND I'BE CALLING THEM BUT THEY DO N'T DO ANYTHING ... ... I THINK THIS IS NOT RIGHT .... 

HOW CAN I FIX THIS PROBLEM ... ... .. 

6-ANOTHER IN COLLECTION, I NEVER OWN ANY MONEY TO THIS COMPANY CREDIT COLLECTION COMPANY, AND THEY ARE REPORTING THAT I OWN MONEY, I DO N'T KNOW WHO THEY ARE ... .. PLEASE HELP BECAUSE THIS THINGS ARE KILLING ME ... ..
Consumer complaint received 2019-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TN)

THESE ACCOUNTS WERE OPEN BY THIEF AND NOT ME. There has been multiple collections placed on my account from XX/XX/19 for {$130.00} XXXX XXXX, XX/XX/19 for {$840.00} Ability Recovery, XX/XX/19 for {$760.00} ( XXXX XXXX XXXX  ), XX/XX/19 for {$1600.00} XXXX XXXX  ( XXXX XXXX XXXX ) with no valid documentation provided!!!. IVE REACHED OUT TO THE COMPANY TO INFORM THAT IM UNAWARE OF THE DEBT, IM FULLY INSURED AND HAVE NOT BEEN HOSPITALIZED TO OCCUR SUCH DEBT OR TREATMENT. IVE EVEN WENT AS FAR AS DISPUTING ON MY CREDIT REPORT TO NO RESPONSE..I AM PUNISHED WITH A LOW SCORE THAT HAS IMPACTED MY LIFE TREMENDOUSLY, I CANT EVEN GET MY FIRST CREDIT CARD BECAUSE OF THE MALICIOUS FRAUDULENT INFORMATION ON MY CREDIT REPORT! I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT OF THE REPORTING ITEMS AFFECTING MY SCORE MY LIVELY HOOD IS IN SHAMBLES DEALING WITH THIS. VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT IS REQUESTED, I DEMAND TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A INK SIGNATURE ON IT. COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE PROOF I SIGNED AND CONSENT!
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (CA)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. BANCORP (MI)

XXXX XXXXCalled company in question to again state that I had closed this account voluntarily months ago.The female in the collections department was aggressive and inappropriate in her conversation with me.I had explained that due to failing health I had closed this account.The finance charges are outrageous.Predatory in nature.They have repeatedly sent me notices and contacted me by phone.They offer a XXXX XXXX Rewards XXXX but it is virtually impossible to receive the awards.The credit card company employs rude individuals in the customer service department-as well.
Consumer complaint received 2023-11-18
Product: Credit reporting 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( Transunion ) that ( account # XXXX ) with XXXX XXXX XXXX was deleted from my credit report I have now realized that the same item was Reinserted onto my credit report! 
In accordance with the requirements of the FCRA section 611 ( 15 U.S.c1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertionof previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) IS Reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any means available to the agency I have received no such Notification, this is a serious violation of the FCRA and i now reserve the right to pursue legal action for this clear violation of the FCRA!

I demand that you immediately Delete this account from my credit in order to avoid legal action, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Trying to close my savings and checking accounts with Capital One but it seems to be impossible to contact this bank. Phone line has a line for hours and keeps getting disconnected, and no other ways to contact are offered. 

Please close my Capital One bank accounts : XXXX XXXX
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I received my credit report and found an account from them that is not mine. It said I owed {$1300.00}. I have never had an account with them. We had several people staying at our house I do not know if they done something, or someone got my information off the website not sure. I contacted the credit bureau 's and they said everything was verified as accurate and the company agreed. I have asked for a application or contract with my name on it bearing my signature and no one has given me anything. This is because they have nothing this is not mine.
Consumer complaint received 2021-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

United Revenue Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, DE, XXXX To : The XXXX XXXX XXXX XXXX for United Revenue Corporation From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX Enclosed you will find your abandoned paperwork alleging that XXXX  XXXX XXXX, who appears to be fraudulently claiming authority of this Executor Office to administrate for the XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

govern yourself accordingly. 




By : XXXX XXXX
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Jacob Law Group, PLLC (AR)

On XX/XX/XXXX. 2023 I received from a request for judgement in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. The XXXX is XXXX XXXX XXXX XXXX. Regarding a Credit Card. In the amount of XXXX, In the complaint they threaten me by taking my home, vehicle, They wanted me to disclose my checking account #, if had any assets, jewelry, guns any of value. They wanted to show my bank statement, proof of income. The money I receive is Social Security I am XXXX years old. I answer in the court that this all I received and I sent a copy to lawyer, certified receipt requested on XX/XX/2023. Then in XX/XX/2023 they filed another complaint wanting same information
Consumer complaint received 2019-10-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

I have a loan out with One Main Financial. I was not able to make my payment on my due date. The very next day, the calls began. They call several times a day and the past two days have hung up and called back to back 3 times. I think it is even more unprofessional to leave a voicemail stating, " This is { their first name given } give me a call back at XXXX. '' or just leave dead air, saying nothing on a voicemail. They don't identify where they are calling from, but I recognize the number, so I know they are calling from One Main.
Consumer complaint received 2019-10-17
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX