davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I HAVE CONTINUED TO COMPLAIN THAT THIS ADDRESS THAT THEY HAVE LISTED ON MY CREDIT REPORT IS NOT MINE. YET THESE COMPANIES HAVE NOT REMOVED THEM FROM MY CREDIT REPORT. I HAVE NEVER LIVED IN TEXAS AND HAVE EXPLAINED TO THESE CREDIT BUREAUS THAT I HAVE NEVER LIVED THERE AND THEY STILL HAVE NOT REMOVED THIS ADDRESS FROM MY CREDIT REPORT. I HAVE NEVER LIVED AT- XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed my consumer report and I noticed the following accounts are reporting inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-14
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. (DE)

I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX XXXX XXXX/ XXXX  , XXXX XXXX , Us Dept of Education # 15, # 49, # 004, # 003, # 002, # 001, XXXX XXXX # 97, 61.
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022 Capital One sent me an adverse action letter for the denial of my consumer credit transaction. I am aware that I am a consumer who cant be denied for an extension of my credit. Capital one is considered as a bank and federal regulations has made it clear banks borrow and not lend money. Any bank asking for a social security card in return for a loan, knowing theres no lawful money to lend is in violation with federal regulations. I am a consumer/creditor/natural person/executor/beneficiary who has been discriminated against and deprived of my rights to trade. Capital One has also furnished information about my employment status without my permission and violating my rights to privacy.
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Debt Holdings, LLC (GA)

I was called twice by XXXX twice on Tuesday, XX/XX/XXXX, 2017. I was called by a man who threatened to sue me. He stated that he was on his way to my house location to handle my situation. He also knew the type of car I drove and said he has a tracker on me and will find me and before he hung up he said " Good luck. '' I know for a fact that is not proper collection policies and definitely violates the telecommunications act. I did some researching and the name of the company is United Debt Holdings. I immediately called their XXXX number to set up payment arrangements to avoid getting sued, but once I did that I realized they tricked me with illegal talk like suing and arresting me. The XXXX number is XXXX and I spoke with a guy name XXXX He took my debit card and set up payment arrangements for a XXXX XXXX XXXX XXXX. Please understand that his definitely violated the collection policy. This is not fair how they are threatening others for a small debt like a phone.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CREDIT COLL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


CREDIT COLL XXXX
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I reached out to Experian to attain the results of my dispute submitted on XX/XX/2021. I spoke to a representative around XXXX who informed me that they did not investigate my dispute and that their company does not investigate.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

I asked for this collection to be mailed to me. It was mailed to me and asked for them to please stop calling me. They have continued to call me. I received a call today XX/XX/2022 at XXXX where the very rude representative demanded I pay off my debt that I can not afford or they will continue to call everyday until its paid. She rudely stated I will not be put on the do not call list until its paid. This now the 3rd phone number I have blocked from LVNV Funding LLC
Consumer complaint received 2018-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc. (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2015-10-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (DC)

Borrowed XXXX finance change every time l make a payment if not payed in fill is XXXX .a when I asked about paying fill make excuse to get more money, so I made payments and still owe XXXX.I do n't know what to do I will be paying the rest of my life.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was declined by a credit card company due to having very little credit history on my credit report. I pulled my credit report and found that Capital One is reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/2012 ) ; no usage ( I have used the card every month since XX/XX/2012 ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing. 

I called Capital One and was told they will not do anything about it unless I send a letter in the mail with my name, my address, my account number, my social security number and my birth date!! They will not accept fax or email or phone for this information even though they are reporting incorrect information and they admit that. They said unless I send this letter with the information they will not do anything to correct the reporting.
Consumer complaint received 2023-07-21
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. (PA)

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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FAIR COLLECTIONS & O XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


FAIR COLLECTIONS & O XXXX
Consumer complaint received 2022-01-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The ALLY FINANCIAL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


ALLY FINANCIAL XXXX
Consumer complaint received 2023-07-21
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. (FL)

I have contacted the credit bureaus XXXX, Experian, and XXXX and disputed inaccurate information that is being reported on my credit file and I have received no response.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CAINE & WEINER XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

CAINE & WEINER XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (FL)

To whom it May concern. 
This is the second or third time that I have contacted you to tell you that the account you are trying to collect from me is not mine. my identity was stolen i never applied for XXXX  nor gave authorization to anyone to open an account using my identity i need them to send me proof that the account is mine. I repeat, my information was stolen, I will not pay for a debt that is not mine. I want to see a copy of my license, my signature and the day the contract between XXXX  and the person who opened the account was made
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear Equifax In accordance to the Fair Credit Reporting XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported.

2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights.

3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting.

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The PORTFOLIO RECOV ASSOC XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

PORTFOLIO RECOV ASSOC XXXX
Consumer complaint received 2018-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was checking my three credit bureaus reports on XX/XX/XXXX and noticed a tradeline unknown to me listed as collections. Company : XXXX XXXX XXXX. Stated Date Assigned : XX/XX/XXXX. Stated Amount Owed : {$1300.00}. To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate ACCOUNT RESOLUTION SERVICES. for FDCPA, FCPA also FCRA.
Consumer complaint received 2017-08-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Commonwealth Financial Systems, Inc. (FL)

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX a collection agency reported a debt to the credit bureaus. This collection agency Commonwealth Financial Systems is not licensed to collect in the the state of Florida. Also, their licensed in PA has been revoked/voided.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

On XXXX XXXX 2017 while shopping at Home Depot at XXXX XXXX, Virginia, I was approached by a sales associate at check-out and asked whether I currently held a Home Depot credit card and whether it was more than three months old. I said yes. He then said for {$25.00} off your purchase can upgrade your credit card to more favorable terms. I agreed to the " upgrade ''. I have now learned that the " upgrade '' was nothing more than opening a second Home Depot account. I have since talked to Citibank who assures me there was no difference between the card I had and the one I received as an " upgrade ''. In effect, the Home Depot employee misrepresented the card and engaged in what I consider fraudulent representations to induce consumers into opening a second account.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The I.C. SYSTEM, INC XXXX, XXXX, XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

I.C. SYSTEM, INC XXXX, XXXX, XXXX
Consumer complaint received 2017-08-25
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. (MO)

A company called XXXX XXXX appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company XXXX XXXX is trying to collect
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I made a purchase on XXXX for {$43.00} on XX/XX/23, and the full payment was deducted from my bank account. However, a few days later, the same payment of {$43.00} appeared as pending in my bank account, affecting my available balance. Despite contacting XXXX, they couldn't see the pending payment without a screenshot, which I couldn't provide due to the Chase app 's restrictions allowing you to take screenshots on an Android phone ... After contacting Chase, they assured me the funds would be available the next day, but that didn't happen. Subsequent calls to Chase resulted in them acknowledging the issue but explaining that, since the payment was pending, I had to wait for it to post which could take XXXX to 5 days before they could address the refund. Despite being pending, the amount was still affecting my available balance for other purchases. Chase claimed their hands were tied due to the pending status. I never authorized the XXXX payment and find it unfair that even though it was only " pending " That this amount of {$43.00} was affecting my bank account balance and Chase was only able to takes actions days later.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The JPMCB CARD XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 

JPMCB CARD XXXX
Consumer complaint received 2021-08-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

Recently, I presented an offer as full settlement of default foreclosed judgment amount of about {$42000.00}. I forwarded an offer of about {$44000.00} cashiers check as full settlement. I understand that Rushmore denied the offer without contacting XXXX XXXX XXXX  XXXX that obtained the assignment from XXXX XXXX at the time my chapter XXXX bankruptcy was still active. 
Rushmore LMS continue to fully engaged in unfair business practices and relying on their lawyer influences to dubiously sell the property in sheriffs sale because their lawyer relied on the judgment obtained in XXXX to manipulate the legal system to get the property sold in sheriffs sale on XX/XX/XXXX. 
Rushmore LMS business practice is deeply disturbing and fraudulent. They falsify statements and created escrow accounts, inspection fees to the extent that they are presently demanding {$67000.00} instead {$25000.00}. 
I demand for full detailed of the accounting but Rushmore refused and also refused to provide XXXX XXXX XXXX  XXXX. Exhibit A attached represent the 4 letters sent to post office for collections as registered mail which I regularly signed for. The letter doesnt have reliable contact information. FTC I need your help! 
Sincerely yours XXXX XXXX