davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Inc (MS)

I was contacted by Collections, INC. with two accounts that were open with them from XXXX XXXX in XXXX, MS. One account was sent to the Justice court and one had just gotten to their agency. The first account was originally {$1200.00} and some odd dollars, but with court and attorneys fees, it went up to over {$1600.00}. I paid that total in full to stop the court proceeding. I also paid {$740.00} towards the other account. The Account is now down to a little over {$3000.00} and when I tried to set up a payment arrangement, they are saying that I need to pay over {$400.00} a month. If I did not pay it in full or pay the {$400.00} a month that they would garnish my wages and that my credit would be ruined. I can not pay that amount and continue to pay my other bills. I told them I would give them {$100.00} a month and that they could draft it out of my account. The agent went on and on about how that isn't enough. I gave her my debit card information and set up the plan after a lengthy back and forth. Then, two minutes later, she called back saying that " legal '' walked by, and is not excepting this arrangement and that I would have to pay more. So, they do not want to except my automatically drafted arrangement, and want to garnish me? How could this be right or just? I XXXX my ankle and had XXXX XXXX and XXXX XXXX put into it. I am just getting back to being normal, because this happened in late XXXX and it is XXXX Now, I am being harassed by a company that refuses work with me at all. Who can come up with {$400.00} extra a month being single and having living expenses? I have seen many other complaints on the XXXX website where this company offered others arrangements for {$50.00} to {$100.00} dollars a month, and it is obvious that they pick and choose who they want to work with.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, EXPERIAN, XXXX and XXXX.
Consumer complaint received 2022-05-17
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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 2022-05-17
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. (NJ)

Right now I am bothered! This is my Final and Last attempt to file a complain in the 3 BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the 3 BUREUAS the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. The following items are listed below : 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 2022-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX XXXXXXXX XXXX in the amount of {$610.00}. I contacted the company and informed them I had never applied for this card and that the charges did not belong to me. I requested a copy of support of me applying for the card and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. 
I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. 

Kind Regards
Consumer complaint received 2022-05-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2019, BANK OF AMERICA has added a collection on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. XXXX XXXX XXXX didnt verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature doesnt validate the debt and anybody can send a bill and say its mines. According to the FCRA, BANK OF AMERICA has violated my rights as a consumer and I am requesting legal action to remove the account immediately.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However, all under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The XXXX Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family, please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (GA)

I have filed an FTC report # XXXX Experian violated my rights as a federally protected consumer and furnished my privact information on XX/XX/2022 to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX also on XXXX XXXX ) under 18 USC 1028a Aggravated identity theft and 5 USC 552a ( e ) ( 3 ) -Consumer Privacy Act.

Included are my proof of identification and a bill-this should apply to any and all communications regarding this complaint.
Consumer complaint received 2022-10-13
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. (GA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2022 XXXX transfer from my chase account for XXXX dollars to purchase XXXX XXXX XXXX. the person hung saying he would send me the digital ticket and he never did but I have 3 phone numbers one if disconnected now and one works and the other was used for XXXX transfer
Consumer complaint received 2022-03-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible. I am enclosing copies of the XXXX  complaints I used a template that I found on one of the CFPB sites I hope this will suffice in getting you the CFPB to act on my behalf.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (WI)

It all started when I thought someone got my card number and charged on it but it was a miss judgment but the card was canceled and a new one issued. I had a payment due so I looked up what I thought was the address of where the payment was supposed to go so I entered it in my bank payment page on my banks app and made a payment of {$250.00} dollars ahead of time. I got a notice that the payment was coming up due and they claimed that they didn't receive the payment yet so I made another payment for XXXX dollars to stay current. I made the payment on the phone with Citi bank and I asked her why they didn't receive my first payment, I gave her the address I sent it to and she confirmed that it wasn't their preferred address but it still was their address. She then sent me to their lost payment department and filed a complaint, she put the payment against my account but I had 10 days to get her proof of payment which I called my bank and they sent me a copy ( in a email ) of the check that they sent I offer to send it to citi bank in a email but she didn't want that she wanted it to be mailed. I said to her that with the post office it would be lucky if it got there in 10 days. She said mail it so I printed it out and mailed it. After about XXXX weeks they took the XXXX dollar credit off of my account and said that the picture I sent wasn't clear enough. I then went to my bank and had them print out the check copy and sent that one. In the mean time I had another payment coming due and when I was talking to the first lady she gave me the right address so I changed it on my bank payment account. I sent a payment ahead of the statement because it was late getting to me ( email ) I sent XXXX dollars I finally received the statement and the payment was like XXXX dollars somewhere around that so I sent a addition XXXX dollars well before the due date. I then got another notice that they haven't received any of the 2 payments so I went on to their app signed up for bill pay and made a XXXX payment which was credited to my account. Now as to this day they have been dragging their feet on the payments I called her again and asked her where my payments are I have another payment coming up due in a week or 2 and I am going to use my bank I am paying for bill pay though my bank account for the convenience so I am not going to be going to all the different accounts to make payments when I can do them all though my bank. They to this day have not found the XXXX dollars ( 2 months ) or the XXXX dollars ( 1 month ) they surprise surprise found the XXXX dollar payment and that one was made after the XXXX dollar one. 
I need help I am getting nowhere with them. 
XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

XXXX  Capital One is trying once again to steal from someone ( me ) after they cancelled my credit card in the dishonest and underhanded fashion that is their hallmark. I purchased a deposit on in item in early 2021 ( the XXXX XXXX XXXX XXXX ) and after a year or more, there was no confidence whatsoever that we were any closer than the year earlier, so I asked for a refund. I assumed wrongly that since XXXX Capital One cancelled my card, they wouldn't accept refunds on it and that XXXX would have to send me a check. 

Are you surprised that a bunch of evil thieves would cancel an account **but still accept refunds** on it and then not actually pass along the refund to the consumer who the refund belongs? If you are, you haven't been paying attention to Capital One. 

They sent me a letter after they crookedly accepted the refund and that I would receive the refund after two statement cycles. So they made a fast grab at my money and then graciously said they would forward it to me after using it for TWO MONTHS. Just wait ... it gets even more despicable. It's not past three statement cycles and there isn't a shred of evidence the money has moved from their crooked pockets. 

The fact that they can do business in the United States if another piece of evidence that this is no representative democracy, but a kleptocracy. 

To any investors or potential customers of Capital One, take note. You better save every shred of paper you exchange with or about transactions with this crooked organization crime front because they are all working to steal your hard-earned money one way or another. As soon as you stop paying attention, you'll be wiped out.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account Number:XXXX  Please remove inaccurate reported late payments and update to paid as agreed XXXX  XXXX - Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

I rented apartment at XXXX XXXXXXXX XXXX  and my application was approved with {$1000.00} deposit in month of XXXX XXXX after i moved in month of XX/XX/2021, while staying with family in 2 Bed/2 Bath apartment i received lease violation notice after 2 months mention that my wife also living with me and i did not add her as tenant. I mentioned them about there was no place to add while doing application online. 

i was told it's an easy fix, all they need is name, SSN and D.O.B plus {$75.00} for applicating fees. 2 days later they ran my credit instead of my wife and i was told that now i have to pay additional {$1000.00} top of existing deposit. when i revised my lease no where it says each individual has to pay {$1000.00} deposit. when i mentioned them they forced me to sign addendum addition to my lease.

so i denied and i was told that either i have to sign or i have to vacate their apartment.

so i decided to Vacated my apartment. after vacate my apartment they keep {$1000.00} deposit plus they asked me to pay additional {$3100.00} 2 months rent since i am breaking their lease.

After they sent me certified copy i object that amount and submit complain to XXXX XXXX XXXX but 2 months later i received a notice mentioning this business are not in their file. 

After that they sold this balance to Collection agency Hunter Warfield, i started receiving call so i contact an attorney in Florida and after examine my case they took my case. they notify collection agency not to report to credit bureau and if they do they can report as disputed amount. 

even though they have been notified they kept calling me and they reported to Credit Bureau.
Consumer complaint received 2022-03-24
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00}
Consumer complaint received 2022-03-24
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. (TX)

After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.