davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC (MI)

Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCT # : XXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX XXXX XXXX It was a non contract month to month membership that could be cancelled at any time. 

I informed management that I would be moving to XXXX, MI in XXXX of 2018 and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. 

I am nearly 2,200 miles away from any XXXX XXXX XXXX facilities and am a member at XXXX XXXXXXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. 

XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from my XXXX XXXX report.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have had this Usaa credit card for 21 years and I have paid religiously on time and have always been a loyal customer. 
During this time of economic hardship I have chosen not to utilize my credit due to uncertainty of financial future. I have recently required new charges on this account in which I have not used in over a year. Upon investigating these charges I have discovered that the are annual fees that I am now charged monthly. I have contacted Usaa on numerous times over the last three months, with absolutely no correspondence, and continued charges to my account that I have never incurred in the past with this account.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I have no knowledge of these accounts nor have I ever entered into any agreement with PRA ( Portfolio Recovery Associates ). Amounts of {$1300.00} & {$780.00}. I have lived at current address 5+ years and didnt not receive any paperwork. Accounts have a delinquency start date verified through third party XXXX of over 5+ years and have expired Iowa statue of limitations on legal collections. Making debt legally uncollectible. I am asking PRA to remove these alleged accounts from all credit reporting agencies and credit bureaus based on the above stated facts.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TN)

I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT SPEEDY CASH BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE
Consumer complaint received 2019-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I discovered that two Chase Quickpay transactions were initiated without my authorization for the amounts of {$1500.00} and {$2000.00} from my checking account. As soon as I saw, I called Chase and they were able to lock my online access to the account. They advised me to close the account and open a new one as well as change my passwords and account username, so I went to their branch and did all that. The banker tried to help me get in contact with the fraud department to see if I could get my money back and what the process would be. I was told that the fraud department would investigate what would happen and in about 10 days they would make a decision.

I called again a week later and found out that they had closed my claim on the XX/XX/XXXX, saying that it looked legitimate because it used to same IP address as 62+ other transactions so they didn't look further into it. I've called them once more after that and returned to the bank, speaking to a different banker, but nothing. They wouldn't open it again without any further proof. So I contacted the person named as the recipient, but because it was using two different emails that go to two different bank accounts, I was only able to get in touch with one. That person said they did not receive any money from me in any amount. The other email bounced back immediately ( a copy for which I've included below ). I'm in the process of filing a police report and I've already put a fraud alert on my accounts with XXXX and I've also filed a complaint with the FTC ( included ).

On top of this, that {$3500.00} was not supposed to be in my checking account. They were divided into two different savings accounts for different purposes and I was not the one who initiated the transfer. In fact, I thought there was a glitch the weekend of the XXXX because one savings account had been XXXX-ed into my checking, moving {$1700.00}. I immediately transferred the money back ( the {$1700.00} ) and that, too, was posted on the statements on the XXXX. However the money that I transferred back into my savings account never went in.

Additionally, I've checked my device history and there are three instances where an unfamiliar device ( XXXX XXXX XXXX ) accessed my account. On my third call with the fraud department, I found out that the XXXX transactions were actually initiated on the XX/XX/XXXX and XX/XX/XXXX and were only posted on the XX/XX/XXXX. This was news to me because I had checked my account on the XX/XX/XXXX and I still had all my money in my savings accounts. There was not {$500.00} in my checking account to transfer, much more {$3500.00}. There had not been {$1700.00} transferred in. And on my device history, the dates the XXXX XXXX XXXX had accessed my account coincided with the dates of the transactions and postings.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Credit Recovery, Inc. (LA)

Southern Credit Recovery , INC reported a collection account on my credit report on XX/XX/2020, had no knowledge of the debt that was reported. Received a letter in the mail from Southern Credit Recovery dated XX/XX/2020. The collection was improperly and prematurely reported.
Consumer complaint received 2019-04-28
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: Insikt, Inc. (IL)

On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX  "
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Over the past two weeks I have contacted Equifax repeatedly to place a security freeze on my credit report. I have been repeatedly told that a system security update is being performed and that I must call back. I want to place a security freeze on my account.
Consumer complaint received 2019-04-28
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2019-04-28
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: Insikt, Inc. (IL)

On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX "
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. 

According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance.
Consumer complaint received 2019-04-28
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. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the eXXXX XXXX XXXX. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2019-04-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

I paid my debts off to Ad Astra Recovery Services and they refuse to take the debt of credit. I also called XXXX and they refused to help me. They assured me that they would get these collections off my report, but they refuse to do their part after I paid them.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (AL)

XXXX XXXX is my favorite credit card. I worked hard to pay down my balance. Even during the government shutdown I managed to maintain payments. 

I noticed when I submitted a dispute regarding an delinquency. My account was closed. Ive worked hard to keep this account opened for an opportunity to increase my credit limit. Im very disappointed. As Ive been a great patronage and what like a reason for this action and an opportunity to redeem myself.
Consumer complaint received 2022-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.
Consumer complaint received 2022-03-13
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. 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.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (FL)

On XXXX XXXX and XXXX XXXX 2018 someone put in for credit cards/ airline to Syncb in XXXX . I have been breached and I.D theft in the past. I called them but no record of me whatsoever. So I tried to dispute with XXXX/ XXXX XXXX. But have been going back and forth to no avail. It has been 2 hard inquiries on my credit report that are not mine and hurt my score. I had around 15 items taken off so far due to Fraud.  This is also fraudulent as I have never had a credit card nor plan to.
Consumer complaint received 2018-11-29
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. (IA)

EQUIFAX DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC (MI)

Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was onXX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX XXXX the co-signer on the loan, XXXX XXXX XXXX me that she spoke to my Sister n ' Law XXXX XXXX XXXX is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX XXXX advised her of my loan information, she stated that XXXX XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX XXXX XXXX XXXX XXXX While speaking to XXXX XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (TX)

OnXX/XX/2018 a short sale package was sent to this lender as homeowner 's are unable to afford their mortgage due to financial hardship and separation. XX/XX/2018 an offer was received from an investor and the Offer as well as est HUD & proof of funds were sent. By XX/XX/XXXX the file was advised it was sent to short sale department and 2 BPOs/appraisals were conducted and completed. XX/XX/XXXX The investors/buyers agreed to extend while the file was still being reviewed and sent to a negotiator to counter/accept. ByXX/XX/2018, upon speaking with lender 's loss mitigation department, they advised the short sale was closed out as they did not have a divorce decree!! I explained to them that both parties are on board to short sale and chose this loss mitigation option to ensure they do not experience a foreclosure. I inquired why a divorce decree was needed when both parties should be qualified for a short sale option ; and the lender said they needed the husbands ' signature/a copy of the divorce decree. I continued to express that the homeowners are married to each other ( XXXX XXXX  ) and the short sale file should NOT have been closed out! This put us severely behind in the loss mit process. As ofXX/XX/2018 the file since then has been referred to a foreclosing attorney and Dept of HUD. Lender has started file over from scratch XX/XX/2018 and advised of another 30+ days for review! We are starting over and now homeowners are in serious default with a substantial chance of foreclosing and derogatory payment history. Due to LoanDepot 's negligence and insinuation that they are married to men and needing a divorce decree from both XXXX in order to negotiate this short sale is nothing less than presumptuous, unprofessional and disappointing to say the least. Homeowners as well as myself as their agent, are concerned and truly need this resolved and moved towards the best methods of foreclosure prevention possible as we have tried everything and provided everything as they requested.
Consumer complaint received 2022-03-13
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A. 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.