davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
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. (NY)

Hi I had some late fee 's from company which i was told would be removed but have yet to be removed. I have called the company several times trying to get this matter resolved. They said they would remove all late fee 's from file.
Consumer complaint received 2020-08-01
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$320.00} -This is not my account.
Consumer complaint received 2020-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (WA)

to whom this may concern : i was scammed in XX/XX/XXXX by someone i met online claiming to be from the US military. he lied about his life being in danger and needed money to help the processing for him to leave the " US military. '' i did a deposit into their account and soon realized it was a scam. 

i bank with XXXX and the receiving bank was US CITIBANK. there was nothing that my bank or their bank able to do to retrieve my money. 

i was ill at the time when this happened. i suffer from XXXX XXXX which makes it tough to make clear decisions and with this illness, we tend to be vulnerable when manic. 

1st deposit was made on XX/XX/XXXX in the amount of {$6200.00} & another transaction on XX/XX/XXXX in the amount of {$2900.00}. please see attached for receipts.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (TX)

I bought a new car and paid cash. However, XXXX XXXX XXXX used XXXX  and pulled my credit without my consent! I received a notification from XXXX while in the lobby and inquired about it and was told it was because I wrote a check. I was not applying for credit and my credit should not have had a hard inquiry to buy a new car without financing.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been requesting a complete Free Credit Report be provided to me for several months now from TransUnion, with no success, and each request being denied. 
I am a Victim of Identity Theft, FTC Complaint # XXXX, and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my free Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (NC)

I contacted the Hospital 's when i found out someone was using my Identity to receive health care and they stated they would look into the problem and resolve it asap. I have filed a police report and also filed actions against the hospital for letting this happen. I'm a XXXX myself and know one knows how something like this could happen, unless the admitting nurse know the people and let them uses my name. I want this off my credit asap or ill be suing XXXX XXXX as well.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GFS II, LLC (OH)

XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-08-23
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. (CA)

This Complaint is against Equifax XXXX XXXX  XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and the letter was received by Equifax on XX/XX/2018. I waited 40 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me letter on XX/XX/2018 stating the identification I sent them does not match their records on file and they needed a utility bill and I.D and social security card and the letter they sent me so I sent them copies they needed on XX/XX/2018 certified via mail tracking # XXXX of the old disputes letters that has a notarized letter saying that its me and my address is correct on the dispute letter. It is now XX/XX/2018 and I have still not received a response from Equifax with an update on my credit dispute.
Consumer complaint received 2018-08-23
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)

I have disputed 5 unknown accounts that appear on my Equifax credit report for the past 7 months and they have yet to remove them. I have called and spoke with agents that speak limited English who don't seem to care about my situation. In addition, I have sent in several disputes along with my fraud Affidavit Packet, Police Report, FTC Report and my Notarized Statement and to date no one can tell me why they have not deleted the accounts. Equifax is the ONLY credit Bureau that is reporting the fraudulent accounts and inquiries. 

XXXX Police Report # 's XXXX and XXXX FTC Complaint # XXXX Cfpb Case # XXXX Equifax Confirmation Numbers XXXX XXXX Fraudulent Accounts 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   Card XX/XX/2018 XXXX XXXX Card XX/XX/2018, XX/XX/XXXX
Consumer complaint received 2018-08-23
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.
Consumer complaint received 2021-04-13
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. (PA)

This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I { CLIENT NAME } Never gave { CREDIT BUREAU NAME } any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX  : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CREDIT Account XXXX Date openedDec XXXX, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX TRANSUNION : XXXX Account XXXX XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX 2020
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions (CA)

The name of the collection agency I want to file a complaint with is called JPL Recovery Solutions. Their phone number is XXXX XXXX XXXX. The name of the particular representative is XXXX XXXX. They keep calling my employer and actually speaking with my Supervisor and Hr department. They say they want to fax over a request to garnish my paycheck. However, then they ask if they could be transfer directly to me. So they could give me one final chance to pay my debt. However, I told them I cant take personal calls on my work phone number, as my employer does not permit it. They still call my work number after I repeatedly told them not to. I also ask them to provide a statement showing that their agency does have my debt, they deny it. Saying they already sent it to me.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had credit score of XXXX  on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for XXXX XXXX  credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XXXX XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (KS)

Dear Sir/Madam, Good morning! Last month I have paid the full balance of {$4000.00} for my CHASE freedom credit card! But this month I got the statement that I had " PURCHASE '' of {$96.00} in my current statement? Actually it is credit Balance refund. What's more, CHASE COMPANY charge me the INSTEREST CHARGE OF {$24.00} in this month. That is really funny. 

On XX/XX/2020, I paid the full balance for my account with my BOA debit card, and I got the confirmation email from CHASE. But CHASE company RETURNED my payment on purpose, and charged me interest of {$89.00} ( interest charges of {$59.00}, {$17.00} and {$12.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively. I am sure that Nothing wrong with my BOA account. 

I am really appreciated for your nice consideration and help! XXXX bless you! 
Best regards, XXXX
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-08
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: Bread Financial Holdings, Inc. (FL)

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
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (GA)

Bay Area Rec ( XXXX  XXXX XXXX ) Action Date : XX/XX/2013 This letter is regarding an account, which you claim I owe {$210.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as  evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-08-22
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. (MA)

This Problem Goes back to a credit card with XXXX XXXX  dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card. 

XXXX has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim XXXX collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. XXXX loves to sell the insurance polices back in the day and if you really do some home work XXXX XXXX has really hurt many people financially with these insurance policy. XXXX sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, XXXX was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn XXXX and myself. The agreement would state that once received the money for the judgement frim XXXX XXXX XXXX XXXX XXXX. that all the trade Lines ( credit lines ( XXXX, XXXX, & experian ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against XXXX XXXX.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from XXXX XXXX   and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that XXXX. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with XXXX XXXX discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. XXXX XXXX just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your  correct keep moving forward.
Consumer complaint received 2018-08-22
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. (FL)

I book hotel through XXXX for XX/XX/2018 check in XX/XX/2018 check-out one night. 

Itinerary # XXXX Confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX United States of America Problem starts at check in i did wait 3.5 hours to to get to check in desk as soon i aproach desk person working there inform me that they do not have any rooms left. 
So i did protest and after 30min they find room for me it was allready XXXX when i get that room. 
So i did call XXXX to refund me because service is not rendered in timely manner they refuse it, so i did call my chase credit card they refuse to help also. 
Hotel charges was for {$250.00} USXXXX
Consumer complaint received 2022-07-25
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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
Consumer complaint received 2018-08-22
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: The Receivable Management Services LLC (FL)

I recently disputed ( see attached letter ) with Receivable Management Services an account entry that they placed on my credit report without providing a dunning letter or any correspondence that would have allowed me 30 days to dispute the validity of the alleged debt. To date, I have not received any communication from them. They are blatantly violating my rights by reporting this inaccurate, erroneous, unverifiable entry.

Additionally, this account entry does not reflect a payment history which should be included on any entry that is reflected on my credit report. In my previous communication to them, I specifically requested that they provide an agreement that states their authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, and to date to no avail. 

As such, since they have refused to respond to my request and not provide any documentation to substantiate their allegations, coupled with the fact that they did not provide me a dunning letter is grounds for this erroneous, inaccurate, unverifiable entry to be deleted from my credit report.