davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

This is a request for a re-investigation of the accounts listed below. These accounts were claimed to have been accurate or verified by you just putting them on my credit report without my consent and without your knowledge of them being 100 % correct. 
These accounts are still inaccurate/Unverifiable/invalidated and need to be corrected or deleted immediately : Also make sure these items are XXXX. 

XXXX XXXX XXXX XXXX XXXX please send me my full credit report along with the following items : your investigation results contact information for each creditor and any relevant information from the previous investigation. 
The documentation used to verify the dispute for completeness, accuracy, and appropriateness
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under United Revenue Corp. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as United Revenue Corp had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.
Consumer complaint received 2024-02-09
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2020 my credit card was billed for the third time, for one purchase. With XXXX in the amount of {$46.00} on XX/XX/2020. 

I am a XXXX American veteran and am having a great deal of trouble over being charged three times for one purchase on XX/XX/XXXX. Please be so kind to help me. 

JP Morgan Chase bank just charged me for a 3rd time on XX/XX/XXXX. It is even dated XX/XX/XXXX On XX/XX/XXXX there was two charges in this amount. Now, on the XX/XX/XXXX JP Morgan Chase bank has charged me for a third time, for the amount of {$46.00}.
Consumer complaint received 2019-11-19
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. (OH)

I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : 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****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS postal box XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named XXXX XXXX XXXX XXXX  rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. 

We noticed the fraud a few days after XX/XX/XXXX and contacted XXXX XXXX, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with Bank of America, the depositing bank, communicating the fraud and request a return of funds. 

As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. 
XXXX has not given any indication of timing, and Bank of America ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. 

These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX transfer {$250.00} from Wells Fargo to XXXX  XXXX XXXX XXXX Fraudulent end user did not provide product. Realized it was a scam and contacted Wells Fargo within the hour. No response from scammer regarding goods. Wells Fargo not backing fee even though we have been clients for 20 years with excellent credit.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom it may concern, I hired a company called moving staffers for a recent move. I canceled their services within the terms of the contract to receive a refund. They refunded me and then tried to slip charges by me after the fact. I disputed with Capital One. Capital one credited my account. Then reversed the credit. 

The lack of continuity in the process has hurt my credit because the balance on my credit card is going up and down a dramatic amount. These charges by moving staffers are fraudulent and need to be removed.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Have been trying to place a freeze on my equifax account since the day of the free freezes started. Since XX/XX/XXXX i have been getting this error : " We are temporarily unable to complete this request. 
Please try again later. '' Calling always says they are updating the systems and call back in 30 minutes, so I try again the next day- same error- same excuse. Now 4 months later the same excuse is still being given out. I can not place a freeze on my account and the agents can not or will not help me do it of the phone.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOAN TO LEARN (TN)

Loan To Learn, an EduCap Inc company, is reporting inaccurate information to XXXX. I have disputed this account 6 times with XXXX ( 5 denied, 1 ongoing ). When I reached out to XXXX to get details as to how their conclusion was reached in each dispute, they advised that it was electronically, they depend on the lender to do the research not themselves and to refer to the dispute results. The dispute results provide a VA address and a disconnected XXXX phone number. 

After sending a certified letter to the address provided, I was finally able to reach Loan to Learn and started email correspondence with XXXX. I was referred to a 3rd party collection group when I asked for account ownership verification ( a certified letter was also sent to the group that has not responded ). During the correspondence, I learned that Loan To Learn transferred their loans to XXXX XXXX XXXX who sold the account to XXXX XXXX XXXX. After advising that Loan To Learn is violating FCRA policies by not verify account ownership, reporting false account details, re-aging old debt as new, sending info for debt greater than 7yrs, I was again referred to the 3rd party collection group. 

All email conversations, records of certified letters/responses, results from a third party credit reporting agency ( XXXX XXXX ), have been sent to Equifax also with a fraud alert being placed with the CRAs and FTC. Below are the account details : Lender : Loan To Learn Account : XXXX Amount : {$21000.00} with {$11000.00} past due Date Opened : XX/XX/XXXX but no activity reported until XX/XX/XXXX XXXX   Status : Collection Account as of XX/XX/XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX Account : XXXX Amount : {$40000.00} Equifax Stats XXXX N/A - Equifax has XXXX knowledge of XXXX. They thought Loan To Learn was the collection company.
Consumer complaint received 2022-09-05
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

This company has been contacting me repeatedly as well as contacting my family members. I have asked them several times NOT to contact family members ever again. I have also asked them not to contact me further regarding the debt ( s ), as I have no money and especially now with my hours being cut due to COVID-19 and am facing homelessness. Each time they say they will note the account correctly to ensure I do not receive anymore phone calls and then a few days later I receive yet another call and the people become more and more aggressive and rude.
Consumer complaint received 2023-07-26
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. (PA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( Account name : XXXX XXXX # XXXX ) ( Account name : XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

XX/XX/2022, I received a email from Chime letting me know that they were putting a hold on my account and I need to send in documents ( ID, Proof of Address, Selfie Holding ID & Explanation I immediately sent in the documents they asked for and called them shortly after, I didnt get any reason as to why my account was on hold. They didnt tell me anything, said they could not do anything about it while their XXXX team were reviewing my account. I was told to email them or wait while they reviewed my account. I emailed them a over XXXX times and never got a response. I continued to call chimes customer service number to figure out the issue. They emailed me and told me they received my documents and theyll be reviewing them, it XXXX take XXXX business days. I havent gotten any emails or updates regarding my account yet. It has well passed XXXX business days, it is going on XXXX month now. They arent giving me any updates or even knowledge on why my account was put on Hold In the first place. I do not have any access to my funds, I can not see whats in my account or anything. I would not even be able to confirm all my money is in there because I can not see anything on my end. I feel like XXXX in a scam. They will not do anything, and are not telling me anything via phone. Ive emailed so many times, I do not know if they are even getting them. I just want my to access my funds and close this account.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following person named XXXX XXXX was found on credit reports and tax records previously and may have reaped benefit from my tax refunds or credit reports due to mishandling of records by corrupt collection agencies, attorneys and judges : XXXX County Civil Court ( TX ) Film Code : XXXX, XXXX, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I made a reservation ( in my daughters name XXXX XXXX ) for XXXX on XX/XX/XXXX total amount {$5900.00} for travel in XXXX, XXXX. On this day XXXX charged the first half of {$2900.00} ( this was charged on Banana Republic Card serviced by XXXX  ) in XXXX, XXXX Banana Republic transferred service to Barclays. On XX/XX/XXXX, XXXX charged the remaining balance of {$2900.00} ( charged to Banana Republic serviced by Barclays. We experienced issues with our reservation and XXXX  submitted a refund for both transactions on XX/XX/XXXX. I received the refund of {$2900.00} to Barclays and it appeared on my statement. However, I have yet to receive the {$2900.00} which was charged card when XXXX was servicing. I submitted a written dispute to Barclays in XXXX, XXXX only for them to close dispute. To make things clear I am disputing the credit owed to me on the charge of {$2900.00}. I have made contact with both institutions and have got no where with this issue. XXXX has provided confirmation for refund and has provided this tracking number # XXXX. At time of reservation I only provided information for XXXX -Banana Republic card. Yet somewhere the Barclays-Banana Republic was charged with second half of reservation. I don't understand why both credits didn't make there way to Barclays- Banana Republic card. Barclays has a received written dispute in XXXX, XXXX and verbal dispute XX/XX/XXXX ( Dispute # XXXX ). Today I spoke with Operater ID XXXX  ( XXXX XXXX in the Dispute Department who claims I need to resubmit dispute in writing and that XXXX dispute has been closed. I have spent countless hours making calls to both institutions, filing disputes to get no where. All I request is that I be returned {$2900.00} of money that I paid to both XXXX and Barclays. They have received my payments as well as refund from XXXX. 
I'm dumbfounded how in a merger two institutions of this magnitude don't have some type of a process or protocol to resolve issues like this. I've been ping ponged back and forth for the last eight months in reference to this issue.
Consumer complaint received 2019-05-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I submitted a dispute on XX/XX/XXXX to Experian regarding a trade line that was discharged in bankruptcy but still shows as active and delinquent on my credit report. The creditor makes regular status updates to the account stating it is delinquent and it shows on my credit applications. The investigation was completed XX/XX/XXXX and Experian states that the entry was accurate and they refuse to take another investigation or fix the item. I submitted additional disputes on XX/XX/XXXX with Experian as there are more accounts discharged in bankruptcy that still have an open/active status.
Consumer complaint received 2024-03-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

I HAVE ASKED RENT RECOVERY SOLUTIONS TO PROVIDE PROOF THAT THEY ARE LICENSED AND BONDED TO COLLECT DEBT IN THE STATE OF GEORGIA. 
( PROOF TO COLLECT LETTER SENT ON XX/XX/XXXX IS ATTACHED ) ( PROOF OF NONLICENSURE FOR THE STATE OF GEORGIA IS ATTACHED ) RENT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/XXXX Dear Sir or Madam, XXXX I am writing to request proof that you are licensed and bonded to collect debts in the state of Georgia. If so, please provide proof of the original contract with wet ink signature. As a consumer, I have the right to ensure that any debt collection activity being conducted on behalf of your agency is done so in compliance with state laws and regulations. 
Please provide me with documentation or confirmation of your licensing and bonding status in Georgia. This information is crucial for my understanding and protection as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving the required information from you soon. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Garcadia Financial LLC (GA)

I have still yet to see Foursight Capital fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agency regarding my account.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TRANSUNION broke the law with not responding to me I have mail tracking proof and they verified my accounts which is against law 's usc 15 1609 fdcpa please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Bankruptcy XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX DELETE THE FOLLOWING ACCOUNT SHOULD BE ON TIME AND OPEN NOT CLOSED XXXX XXXX XXXX THIS ACCOUNT IS CURRENT AN ON TIME NEVER LATE UPDATE TO OPEN XXXX THIS ACCOUNT IS CURRENT ON TIME NEVER LATE UPDATE TO OPEN