davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

Second attempt to submit the following complaint due to website failure. 

Requesting CFPB intervention due to unfair debt collection and erroneous derogatory marks placed in credit report by the original creditor and collection agency. The following facts is provided to assist CFPB pursue the consumer claim regarding unfair credit reporting and harassment by the collecting agency : 1 ) Debt is a medical bill on behalf of XXXX XXXX XXXX ' a minor currently residing full-time with his mother XXXX XXXX XXXX '. 

2 ) The father 'XXXX  XXXX XXXX was not present nor signed any documentation during the medical treatment. The primary insurance holder based on court child custodial ruling stipulates that the primary health insurance provider is the mother whom the child resides full-time. The mother ( XXXX  XXXX XXXX ) utilized the father 's medical health insurance without prior consistent to use despite court agreement stipulates that she is the primary health care insurance carrier. 

3 ) The medical facility failed to provide proper notification of the incurred debt to the parent and blatantly placed the amount owed towards the father who has no knowledge of the debt. Despite the lack of proper mail notification the debt was submitted to collection and placed a derogatory marks through the credit bureau. Constant harassment via phone calls from the collection agency regarding payment requirements of the medical bills. Threatening phone call remarks were made that the sole responsibility was on the father despite numerous plea and substantial evidence was provided to resolve the debt.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Resurgent/LVNV Funding. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me.

Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

My account has been restricted without informing me. I was made aware once my debit card started to decline. My account is restricted to be used and I have no access to my funds that I use for eating, living, taking public transport. I went into my branch and was told they submit a request and I should have an update by EOD. I never heard from them so went to the branch and said theyre still awaiting an update and that I should get a call. 
This is my only form of access to money at the moment and has put in a very difficult situation.
Consumer complaint received 2019-01-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, XXXX, Experian, & XXXX have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2023-08-11
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)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 
Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2023-08-08
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)

I sent a letter on XX/XX/XXXX, to remove the following items that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 
XXXXXXXX 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 2018-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (CT)

To whom, It may concern. I owed XXXX XXXX XXXX XXXX last year. We agreed on a payment plan of XXXX USD per week and I also told them I will pay them in full upon sale of my primary residence. The loan was unsecured consumer loan. I made payments of XXXX to them, which was more than the agreed per week. American Express however hired XXXX and XXXX XXXX. A firm with a very bad reputation. XXXX on behalf of XXXX XXXX XXXX filed a judgement over me and won without ever serving me a summon and complaint. As a result my Bank account was frozen even though 90 % of deposited money in the account was from wages. As a result, I have no money to feed my kids and even go to work. This now might result in me going delinquent on my mortgage and loss of equity and property. Please Help me. 
Thanks
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Consumer complaint received 2023-08-08
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. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc. (TX)

Yes I am XXXX XXXX XXXX XXXX XXXX and I had just lost my husband 3 years ago I had just only {$200.00} down for the XXXX payment and I was leaving the country and I had no way to get around to to be able to go to the doctors and good car people had offered me a deal that I thought it was going to be okay I thought they were honest and right after I got about the car I had nothing but problems
Consumer complaint received 2022-09-10
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. (AL)

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 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 Date opened- XX/XX/2017 Account # XXXX
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (FL)

XXXX XXXX XXXX XXXX, ph # XXXX, email : XXXX, has continued to garnish my wages after the debt has been paid in full, and in spite of I making several attempts to contact and resolve this, they have simply ignored my demands and as of now, in consequence I have overpaid over {$1200.00}, in addition to the full debt, which was fully paid. My employer cant legally stop the wage garnishment unless they receive notice from them, and they keep failing to do so. Please help
Consumer complaint received 2019-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

My Complaint is with the JP Morgan Chase Bank and the US Treasury Department. 

My name is 'Nobody ' and I am now XXXX XXXX years old. I need, at this time, to get my affairs in order. 
I purchased a Certificate of Accrual on Treasury Securities, ( CATS Series S ), on XX/XX/XXXX, XXXX No. CPN-S XXXX, XXXX XXXX XXXX XXXX XXXX ) This CATS certificate was transferable at the offices of : XXXX XXXX XXXX XXXX XXXX New York. 

XXXX XXXX XXXX XXXX was purchased by the JP Morgan Chase Bank.When this happened, What happened to my CATS Series S certificate. 
I have been told to contact the US Treasury, ( No Satisfaction ). 
I have been told to contact the Federal Reserve, ( No Satisfaction ). 
I was told to contact XXXX XXXX, ( No Satisfaction ) I need to have this issue resolved soon. I do not want to have this CATS cert. to just disappear in a lost file somewhere. 

I have spent many hours on the telephone and internet, since XX/XX/XXXX, trying to track down the Bank responsible for this certificate, that I understood, in XXXX, was a rock solid investment. 

Who is in possession of this certificate? 
Who is responsible for payment, to Me, on this Certificate? 
How do I receive payment on this certificate? 
Can I transfer the funds from this certificate to a New account for my XXXX? 

Please Help! 

Respectfully,
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX XXXX I sent a certified letter to TransUnion regarding EIGHT ACCOUNTS they are reporting inaccurately. 

They have yet to correct them, nor does it look like they have even done an investigation. 

These accounts are Student loan accounts that are reporting Late payments during the XXXX XXXX relief of student aid. Which per FEDERAL LAW states if they are in deferment they can not report a late payment. 

This is very harmful to my credit and ALL EIGHT accounts need to be updated and REMOVE the late payment they are reporting. 

Ive enclosed a copy of ALL EIGHT credit reports as well as the letter I sent to TransUnion.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NJ)

My mortgage company is with Specialized Loan Services during that time they issued me a home insurance that was automatically applied to my mortgage statement, even though we had our own insurance and continued to show proof over a three month span that we had an active home insurance and they did not need to purchase insurance for us. We continued to pay our mortgage statement but only the loan amount not the amount of the homeowners insurance they forced us to get even though we didn't need it. It showed that we were not paying the correct amount and they reported us delinquent ; now this stopped us from receiving a credit card because our credit report appeared that we were late even though we were not. I have tried to resolve this issue with the company to no avail they said they would fix it and it still has not happened.
Consumer complaint received 2023-07-06
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX  ( Original XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX  Account # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase XXXX XXXX card that I obtained for the travel benefits, which include redemption of points at XXXX % if redeemed using the Chase travel website. I have been attempting to book travel on the Chase travel site since at least XX/XX/2019 but am unable to redeem my points. 
After many calls to Chase over weeks, I learned that Chase has been aware, since at least early XX/XX/2019, of a technical problem that prevents at least some reserve card holders from redeeming points on the travel website. 
I have made many attempts to resolve this issue with Chase. I have been told that the only option available is to book travel elsewhere and request a statement credit ( essentially cash back ) from Chase which will be a dollar for dollar credit. Chase will not honor the XXXX % contractually offered redemption value for travel, though i have made this request on several occasions. 
Chase can not, or will not, provide an ETA as to when this matter will be resolved.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (SC)

I went to a XXXX timeshare meeting that was supposed to last two hours but I was there for XXXX XXXX. My fianc and I were very adamant about not wanting a credit card and not wanting to purchase a timeshare due the cost but everyone there was so persistent. We refused to give our social at first and questioned why it was needed and we were told that it was to get the best deal. After turning the sales rep down, we were pushed off to another person to try and get us to buy and again we expressed that it was not in our budget and we did not want to apply for anything. We left that meeting thinking that we declined everything. I later received a letter that a credit card was opened in my name with a card limit of {$4200.00}. A physical card was never sent. It dropped my credit XXXX points for opening an account that I never requested to be open in the firs place.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (AZ)

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX  XXXX IN Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.
Consumer complaint received 2023-08-11
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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