davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

This allegation of having a charge off on my credit report IS DEFICIENT of CERTIFICATED PHYSICAL PROOF of being adequately and fully COMPLIANT to all mandates and laws as related to my state, the FCRA and METRO 2 data formatted reporting standards.
Also, how can they report different information to all three credit bureaus? The high credit, credit limit, date last reported, date last active and date of late payment are all different.
You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, of proven documented OWNERSHIP of mine, or of proven documented RESPONSIBILITY of mine. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426-character P6 statements and all of its trailing segments, the minimal five portioned personal identifiers, all 386 pieces to confirmation to collect, and every aspect of the alpha-/ numeric-/ and or alphanumeric source codes. RETURN or retain OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-07-10
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: NAVY FEDERAL CREDIT UNION (DC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain responsible procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. the following information, therefore, needs to be re-invested. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I have attached the FTC identity theft report including all inaccurate information. Failing that, the item must be deleted from the report as soon as possible, As the item is inaccurate and incomplete. please delete this misleading information, Thank you!
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

2nd time XXXX  XXXX put this in collection, we are allow to XXXX XXXX XXXX, this was once clear and then on the reported again. Got no notices saw this on XXXX  XXXX.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (TN)

I recieved a letter from Radius Global Solutions stating that we owe {$5400.00} but everything from our accident was paid through a lawsuit. When i contacted them they did not verify me or my husband by either DOB or SSN & they did not give me the mini XXXX statement. I tried explaining to them that all debts related to our accident were paid through a lawsuit & we would need validation of the debt. I was told to hold for a supervisor. when the supervisor finally came on the line i tried explaining to them the same info & they still did not do any verifications or mini XXXX but then told me they would need my husbands permission to speak to me. i advised them that in the state of TN they don't need the spouses permission to speak & she kept just saying i need his permission. I tried again to ask for validation & she again refused.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I have reported this company twice already. They refuse or are unable to update my tax documents that I need to file THIS YEARS taxes. It is urgent at this point. I have provided all the required information to prove that their outstanding mortgage principal on 2021 IRS Substitute Form 1098 is incorrect based on their own system 's information. It is amazing that this issue has not been fixed and getting in touch with customer service has gotten me nowhere. We are nearing the end of tax season.
Consumer complaint received 2017-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

JPMORGAN CHASE INC, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX DENY ELECTRONIC FUND TRANSFERS ACT XX/XX/XXXX, 15 USC SUBCHAPTER VI SECTION 1693a :  DEFINITIONS ( 2 ) ACCOUNT AND ( 7 ) ELECTRONIC FUND TRANSFER AND SECTION 1693i : ISSUANCE OF CARDS AND OTHER MEANS ACCESS ( a ) ( 1 ) RESPONSE TO A REQUEST OR APPLICATION and ( 4 ) VALIDATION IN RESPONSE TO REQUEST ( MULTIPLY REQUESTS MADE WEEK BEGIN MONDAY XX/XX/XXXX TO END XX/XX/XXXX ) AND RETROACTIVE APPLICATION XX/XX/XXXX IN WHICH BANKER STATED CARD RECEIVED BY ( USPS ) MAIL 5-7 BUSINESS DAYS AND VALIDATED PER THE APPLICATION. ALLEGED DENIAL RESULT OF IDENTFYING XXXX XXXX XXXX CRIMES AGAINST ME ORIGINATE IN XXXX COUNTY, NY ; XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, NEVER PROSECUTORS, NYC CIVIL COURT ARTICLE 81 CAPTION, AND EVICTION XXXX XXXX XXXX XXXX NY. AND UNCLAIMED FUNDS
Consumer complaint received 2022-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

To whom it may concern. My name is XXXX XXXX and my mortgage company is loan depot When started my loan, with loandepot mortgage I had no ideal that I was praying mortgage insurance. It was when I started my refinance with XXXX XXXX that I fund out I am paying mortgage insurance and I dont have or had mortgage insurance but I m still paying for that insurance. 
Thank you XXXX XXXX
Consumer complaint received 2019-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

We have disputed this debt of {$200.00} in writing. The contracted amount was reimbursed by my insurance. Amcollect has ignored my requests to furbish proof of debt or to remove this from my credit reports.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX and 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 2019-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (TX)

I saw a collection from Receivable Management on my credit report. It doesn't state who the original creditor is. I don't have any outstanding debt. 
This agency never contacted me or anything. They just put this on my credit. I disputed it with them and requested for them to remove it from my credit. They never responded. I also requested in writing for them to validate that I owe this account and the original creditor. They just ignore me, but they continue to report it on my credit Receivable Management is not licensed or bonded to collect in my state
Consumer complaint received 2019-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

Hi ; There are 3 different unknown medical collection accounts on my credit report that i've tried for many months to resolved but unable to. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.
Consumer complaint received 2019-09-02
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: Peter Roberts & Associates, Inc. (MA)

I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about the condition of my son. The privacy law is being broken by the medical care provider and the collection agency.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Advantage Credit Bureau Inc. (ND)

Received the background screening report from Advantage Credit Bureau. They reported negative information older than seven years which should not have been according to the summary of my rights under the fair credit reporting act. The report was dated XX/XX/2018 and initiated by XXXX XXXX. This resulted in an adverse action taken by the company I was in the process of being hired for.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MS)

At end of XXXX I ordered a XXXX XXXX gift for my wife online from XXXX XXXX XXXX XXXX. The order was supposed to arrive before XXXX XXXX. Well the order never came I even sent a email to the company telling them I never received a confirmation order number and that I have not recieved my package. Well my Bank whitch is CHIME I had made a dispute to get my money back well Chime Bank gave me the run around told me itll take 30 days well they waited until that last day then told me my dispute was closed! And that there investigation team decided to close it out..I still have not gotten my money back so then i did a rebuttal on the dispute because there decision is wrong Ive never recieved my item and they basically took my money!! I even sent screenshots and emails to CHIME BANK from the XXXX XXXX XXXXXXXX XXXX  Where they had told me my order was cancelled and that my money was being refunded back to my account.. I sent all that info to Chime they recieved it and still did not want to give me my money they told me itll take up to 90 days for my rebuttal well they closed out my rebuttal and are trying not to give me my money thats rightfully mine CHIME BANK told me that I need to email the company and get my money back myself! I told them thats not how this goes..that Chime is my bank and I made a transaction off my chime card through there financial institution so there for its there responsibility to have my back Help me and take care of me there who I Bank with! CHIME BANK refuses and keeps giving the run around about everything and will not return my money back to me. Chime Bank has treated me very horrible and UNFAIR. I need my money back from CHIME BANK FOR {$50.00}
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (CO)

I bank with Keybank. On XX/XX/2018 they charged a fee for an annual rewards relationship to my account for {$40.00}. I have a letter from them stating they are stopping the program and will no longer be charging that fee. As a result, that charge resulted in a NSF of {$37.00}. Those two fees took be negative and kept it that way thus generating further fees. If those fees had not happened ( as per their letter ending the program the fee was charged for ) none of the other fees would have happened. I have calculated daily and would have had a positive balance with deposits and debits. I am asking for {$170.00} in NSF fees from XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX as well as the {$40.00} fee. Total of {$210.00}.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (PR)

Care Credit provides financing for health care, patient 's request financing for XXXX   services, I provide the XXXX services, Care Credit dont want to pay me for my services because my credit history. This practice of discriminating because my credit history is wrong, because I'm not the person who's requesting credit, I'm only an intermediary who provide the service, what does the services I provide has to do with my credit history? 
Also I think this practice violate interstate commerce because is limiting the number of patients I can give treatment, on a basis of my credit history. 
They are also limiting their client decision to be treated to whoever they want, the right to chose his doctor, because they are only going to pay doctors for their services who have good credit, and not paying the ones who have bad credit, again the provider of services is not the person requesting credit from CareCredit is the patient who is requesting financing to pay for the services I provide and is the patient who Care credit give the financing and is the patient who pays to Care Credit, so the services I provide don't have to do anything with my credit history, this is a bad way to use my credit hystory and interfere with the right of the customer to chose his doctor, and the doctor to provide his treatment, and a bad way to use credit history against myself
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2023 I disputed XXXX XXXX  XXXX XXXX collection company to Transunion and when I called today, 29 days later, Transunion had no record of the dispute. I did not receive a dunning notice for the alleged debt before reporting the credit file. Therefore, I sent a certified letter requesting a reinvestigation a requesting validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that XXXX XXXX XXXX provide Transunion with competent evidence that I have any legal obligation to pay the debt, date of original charge off or delinquency and verification the debt was sold to collector.
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (HI)

Wells Fargo, XXXX. XXXX XXXX sent a pre-paid debit MasterCard that was not ask for and this card had a balance ( {$370.00} ). Various calls to telephone numbers ; XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX only got computer voice with the select a number. No valid information received due to the card was not activated and a PIIN not selected. Wells Fargo does not have a financial facility in Hawaii. I have the paperwork received, the card in a folder labeled " fraud ''. Today 's date is XX/XX/2018. This prepaid ( non-reloadable ) is considered a mass-mailing to create accounts at Wells Fargo and this practice should be stopped. I would appreciate a letter from Well Fargo stating that any account created has been " close '' and there will be no future attempts to create accounts under my name, address for any financial transaction. Well Fargo should also remove my name from any " prescreened '' offers of credit from this company. I may be reached at XXXX.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I have disputed with Equifax and asked the These accounts be deleted, XXXX and XXXX already removed these accounts from my consumer 's credit file but Equifax even after i proved that my rights are being violation did not do their part to fix the problem. i'm now seeking you help to get my life back, and make sure my consumer 's rights are respected. they even refused to put a block on my consumer 's credit file.