davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (NC)

XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX # XXXX {$0.00} XX/XX/XXXX XXXX XXXX # XXXX {$0.00} XX/XX/XXXX THE FOLLLOWING ACCOUNTS ARE REPORTING ICORRECTLY
Consumer complaint received 2019-08-06
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: EQUIFAX, INC. (TX)

The following accounts were never a charge off, I never made a late payment on the accounts ever. 120 days late on succeeding succeeding months, with different balances? How is this even possible? Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX,
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

This is this is a continuation of COMPLAINT ID XXXX ..Yesterday XX/XX/XXXX I received a letter from Huntington Bank with the date i.e. XX/XX/XXXX, which is still not specific to me.. there is no documentation or history of the transaction that I asked for from XXXX XXXX I do not think that this letter proves anything because it does not present no evidence that huntington bank did anything in my case.. I believe that this is a desperate and inept defense by them.. I didnt get the documentation and the course of the transaction, starting from the transfer, i.e. the time and date, then my report, then their report to XXXX to the ban

k ( what is the name of this bank??? ) which, according to them, rejected their request ( WHICH BANK REJECTS THE RETURN OF STOLEN MONEY???? ) date when the BANK STOPPED ( or tried to ) RESTRICTED TRANSACTIONS BY THE OWNER, .. date and the hour when these transactions were processed.. I also want to know on what basis they concluded that the money was sent from my phone and l also want proof of this.. I am attaching attachments to my complaint with photos of the transactions that the bank passed on to the thief and a photo showing that both transactions were still in progress when I called the bank to notify about the crime.. and a photo showing a call to Huntington Bank on the same day the transactions were made and the police report number and also a piece of paper that I received
from Huntington Bank, dated XX/XX/XXXX, without a signature, without any specific justification, without documentation ( the investigation- dispute should last 90 days not 4 ) I would like to remind you that I reported the crime on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-10
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. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

The XXXX and XXXX Credit Bureau are reporting inaccurate information on SYNCB/SAMSDC with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/21. someone takes money out tht wasnt me the. im flat broke XXXX dollars then my bank changes my account numbers XXXX they basically freeze mu account to deposit only because they said they was just giving my money out then XX/XX/21 they applied for sum credit or loan
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

I have repeatedly asked fora contract involving Monterey Financial in contract they keep sending a contract with global exchange not Monterey financial I have told them it was due to a fraud from someone I was with I completed a fraud alert on my credit against that person and police report but Monterey financial keeps harassing me and ruining my credit
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The debt that was owed by XXXX XXXX XXXX is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from XXXX XXXX  that the letter in the mail states that all items should be deleted but have not been.
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

On or around XX/XX/2019, I received a letter from Midland Credit ManagementXXXX Midland Funding which clearly states We have closed your account and ceased collections, you have no further obligation regarding this account. 

On XX/XX/2019I was notified by XXXX  that they investigated the account because it was still showing on my credit file and XXXX  deleted it from my credit file. Also on XX/XX/2019XXXX  also investigated the same matter and also deleted the account from my credit file. 

On XX/XX/19I received a Civil action through my local district court for the same account. The attorneys name for Midland Funding is XXXX XXXX.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent a letter to Experian, XXXX, and XXXX regarding unknown and inaccurate things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be removed promptly. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. My personal information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports. I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency. If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

Experian : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by Experian : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Accounts opened as a result of Identity Theft : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : C Zardin, XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX was not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Consumer complaint received 2021-12-10
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. (MO)

I was the primary signature on a lease agreement for XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Mo. The leasing company uses a number of company names to conceal the true identity of the principal owner ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, et al. The lease agreement ended on XX/XX/2020. I met the obligation, giving XXXX days notice to terminate the lease on that date and all monies due on termination, were paid by me. My son, who was the secondary signature and the person living at the apartment, sought, through verbal agreement, to extend his stay until XX/XX/2020. The lease agreement clearly states that management has no authority to amend the agreement unless it is in writing. When I became aware of the verbal agreement, I immediately contacted the apartment management, in writing, informing them that I was not party to this extension, and that any rent due from XX/XX/XXXX to XX/XX/2020 ( {$800.00} ) was a matter between XXXX XXXX XXXX and my son. My son did not meet this payment obligation. The Apartment Management in turn, billed me for the outstanding rent of {$800.00} and, when I refused to pay, they sent the bill to the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX reported my non-payment to the credit agency, Equifax, who in turn lowered my credit rating ( XXXX  ) from XXXX to XXXX. 
The unmerited actions by XXXX XXXX XXXX and XXXX have damaged my credit reputation. I have provided XXXX and XXXX with full details of the case. Both XXXX and XXXX have used intimidation tactics hoping that their shakedown methods will bring me to my knees.
Consumer complaint received 2018-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I was trying to help a friend bail out of jail. I was to talk with his mom and help take paperwork to bail bonds. He was frighten in jail and thought that he might get hurt. So I was trying to help when I got to XXXX 'XXXX XXXX   XXXX XXXX his mother did not show up to do paperwork I brought the money to bail him out but she was suppose to sign for him. I just met the guy when I was in court for a ticket. They told me he would not get out unless his mom was there. I said in well I did what I could. Then the guy told me if I gave him the money and my name he could get him out. I said are you sure he said yes. I said ok. The inmates name was XXXX XXXX date was XX/XX/2016. I would like for them to take this off my credit because never signed up to pay this myself. Please talk with them. Thank you XXXX XXXX. That's all the information that I have they wouldn't even talk with me. XXXX XXXX XXXX. XXXX XXXX XXXX {$4200.00}
Consumer complaint received 2021-12-10
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. (SC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP (IL)

I called Mandrich Law on XX/XX/21 and spoke with XXXX he refused to provide the settlement letter in writing unless I provided my bank account information and authorized a posted dated payment for XX/XX/21. I advised that I don't have a bank account and planned to send certified funds, but I needed a settlement offer letter for my records. I explained that I had a hardship of having wages garnished for child support and back child support which was already exceeding the maximum federal limit for withholdings and I was calling to resolve the account with a possible settlement but Mandarich would not work with me.
Consumer complaint received 2019-08-06
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. (MO)

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  Acct # XXXX CHARGE : {$970.00} XX/XX/XXXX Reason : Unverified Account 2. XXXX XXXX XXXX XXXX XXXX XXXX . 
Acct # XXXX CHARGE : {$710.00} XX/XX/XXXX Reason : Unverified Account 3. XXXX XXXX  XXXX   XXXX XXXX XXXX  Acct # XXXX CHARGE : {$150.00} XX/XX/XXXX Reason : Unverified Account
Consumer complaint received 2021-12-10
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: WELLS FARGO & COMPANY (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CA)

I have a small business XXXX  XXXX  XXXX  and XXXX XXXX  XXXX., since XX/XX/XXXX.. I filed for bankruptcy and discharged last XX/XX/XXXX. I tried to revive my small business but the economy continue to get worse in the XXXX XXXX. I owed almost {$10000.00}. to 3 different credit card companies. Last XX/XX/XXXX, I tried to negotiate in a letter to lower the interest rates and modify my accounts. They all rejected my request. My golf business is now " DEAD '', no income. My only income now is from my social security, just enough to pay my mortgage. For the last 5 months now, I have not paid my credit cards. I have now letters from " lawyers/collections agency '' threatening to sue me. I really DO NOT HAVE ANY MEANS /money TO PAY THEM ... I still have a lot of inventories in XXXX XXXX and XXXX  related products like, shoes, belts and boots.. I am doing a regular " garage sale on week ends '' I need your help and advise on what to do. Please point me to the right direction of what to do.. Respectfully yours, XXXX XXXX XXXX XXXX. Tel. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX )
Consumer complaint received 2018-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

I keep getting phone calls and text messages from XXXX. They do not leave a message, but text message says it was XXXX XXXX  about collecting debt for an account with XXXX XXXX. I have never shopped there and don't wear glasses. I've gotten approximately 15 calls from them in the past week. I think someone must have given them my number or that they have my number by mistake.
Consumer complaint received 2024-03-07
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (PA)

Sometime during mid XX/XX/2023, Chase started preventing customers from logging into their accounts if the customers don't have the most up-to-date web browser ( i.e., XXXX, XXXX, XXXX, XXXX ). Unfortunately, many customers like me with older computer hardware ( e.g., XXXX with XXXX XXXX XXXX XXXX ) can not update to the most up-to-date web browsers. This effectively means that I, along with others who must use older operating systems due to software needs, are now completely prevented from using Chase 's website to maintain and view our accounts. For reference, I phoned Chase on XX/XX/2023 to understand if there is an alternative version of the website that will still allow me to access my account without needing to purchase a new computer, but I was told there is not. Also for reference, there is no other website that I'm aware of - let alone another financial institution website - that is completely blocking customers from accessing their accounts via desktop if they are not using the most up-to-date browser. I can not imagine that I am the only person facing this accessibility challenge, as there are thousands of lower income customers who do not have the financial means to regularly purchase new computer hardware that can support the most up-to-date browsers.
Consumer complaint received 2021-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The debt that was owed by Portfolio Recovery Associates is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from portfolio recovery that the letter in the mail states that all items should be deleted but have not been.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.