davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I sent a letter certified mail to LVNV FUNDING LLC on XX/XX/2023 to ensure that this alleged debt is accurate and legitimate. LVNV FUNDING LLC received my letter certified mail on XX/XX/2023 ( green receipt attached below ). I demand LVNV FUNDING LLC respond immediately and send me copies of the : 1. cardholder agreement 2. documents that validate this alleged debt 3. all account statements I'm exercising my rights under the FDCPA
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i was looking to rent a house. this person had a house up for rent i paid {$160.00} for my son and i for a application fees. after i completed the application he then told me i was aprove and to send him a {$1.00} for the security. after i XXXX  him the money he than said to go ahead and send him the first months rent when i tired to send him the money it wouldnt go though. my second time trying to send the money i call me bank which is bank of America the and they told me it was a scam.at this point i already send XXXX so right away i put in a scam claim on XXXX and on monday XXXX i reach out to bank of America because i have'nt heard anything from them about my claim then i was told i wont be getting my money back
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to you regarding fraudulent information listed on my credit report under the account name " XXXX '' and account number " XXXX ''. Upon reviewing my credit report, I discovered that there is an account associated with someone named XXXX XXXX, whom I have no affiliation with or knowledge of. This erroneous information is severely affecting my ability to secure housing and obtain other financial opportunities. 

I demand that you take immediate action to remove this fraudulent account from my credit report. It is imperative that you rectify this situation promptly to prevent further damage to my financial standing. I have attached relevant documentation proving my identity and highlighting the discrepancy in the information provided. 

Furthermore, I would like to emphasize the urgency of this matter as it is directly impacting my ability to pursue my financial goals, particularly in securing housing. Therefore, I am setting a deadline of 14 days from the date of this letter for the removal of the fraudulent account from my credit report. Failure to comply with this timeline will result in me taking legal action against the credit bureaus for their failure to address this issue in a timely manner. 

Please be advised that I will hold you liable for any fees incurred as a result of seeking legal counsel and pursuing legal action. I expect a swift resolution to this matter and request confirmation of the removal of the fraudulent account from my credit report within 14 days of receipt of this letter. 

Thank you for your immediate attention to this matter. I look forward to a favorable resolution.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax is incorrectly reporting an account for the XXXX XXXX XXXX ( XXXX XXXX ). The original credit reporting agency ( CRA ) is the XXXX and XXXX XXXX ( XXXX ) building located in XXXX, Ohio. The account is reporting as a closed collection account for child support and updates every month as a closed collection account til this day. I have sent in a dispute letter listing the violation the XXXX has committed against me. XXXX is reporting my personal information unlawfully to third parties, and Equifax is improperly reporting information it shouldn't had in the first place.
Consumer complaint received 2022-03-15
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: GOLDMAN SACHS BANK USA (OH)

Hello, i purchased a online drop shipping course on XX/XX/2021. The company claims the info in the videos contains " sensitive material. '' However, the person who teaches the course, is also teaching it for free on XXXX. The person has multiple videos on his channel and even has a video titled " Complete XXXX  tutorial for beginners XXXX  '' Upon purchasing the course i only have watched the first video and realized the guy is teaching this for free on XXXX. So upon realizing this, i contacted the company for a refund and the customer service rep stated if someone has watched less than 20 % of the course they issue a refund and stated that i have watched 42 % of the course, which is not true. I can login in the website and all videos have a tracker of which ones i have watched. Only the XXXX one has been watched. Once the rep told me he won't issue a refund, i filed a dispute on XX/XX/2021 with my credit card company. Since then i have been laid off, contracted XXXX twice and XXXX XXXX and had to move because of job. By this time it was around XXXX and i realized i never got an email stating the resolution of my dispute. So i contacted my credit card company again and they filed a new dispute. After filing the dispute, i got an email stating my dispute has been cancelled because there is already a dispute pending. From what i understand, dispute must be resolved within 90 days, it obviously has been longer than that. I contacted the credit card company again and they filed a dispute again. I submitted the documents necessary proving my case, i will be attaching the same document here as well. After 2 months, i received an email stating my dispute has been denied because there isn't enough evidence. Which is surprising considering i have attached a lot of evidence regarding the matter. i contacted my credit card company again and asked them to provide me with documents that were used to make this decision and they emailed me the same email I received originally stating there isn't enough evidence. You would expect the company to ask for specific relating to the matter but no its just a vague sentence. I asked them i would like to appeal the decision and the credit card rep told me they don't do that and i would have to file a dispute again. From what i understand, according to the law i have a right to file an appeal but somehow they don't do that here. I will be attaching a document with more specifics in the below section which contains all the evidence proving my point.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.
Consumer complaint received 2022-02-10
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. (DC)

According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps.

Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.
Consumer complaint received 2023-03-17
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. (NY)

On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. XXXX sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, Equifax sent me a letter stating that the investigation results would be removed. And XXXX never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.
Consumer complaint received 2017-04-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

This CC is about 8 to 10 years old. I did a dept consolidation last year to clear all my dept and this was not part of my dept, i knew nothing of this dept. In a process of getting a mortgage loan it showed up on my credit as collection. I have a problem with it being on my credit and i am willing to negotiate and come to an agreement to pay it off. Even though i never received any notice from Midland Funding LLC for the past 8 years. 
After several attempts to negotiate on a amount to pay it off, they keep refusing. i am getting frustrated because its on my credit and also affection my ability to buy a house.
Consumer complaint received 2024-03-06
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. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2022-10-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2023-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc. (NY)

XXXX card is using my personal information as a product to sell. They have sold my information without showing a contract with XXXX XXXX, they have also discharged this debt have been fully Credited. Following being credited, XXXX XXXX has sold my personal information to numerous debt buyers like National Enterprise Systems , INC, who are now threatening my life by threatening to re-report old, previously deleted, fully credited accounts as delinquent and late with current payments. Totally deceptive. I believe National Enterprise knows this account has been fully credited and they still purchase unlawful debt. They threaten to take your livelihood which is based on good credit depending on the ignorance of a person with their credit report. These accounts were credited in XXXX, and deleted from my credit report. However, discover continues possess to sell personal information for profit. Enslaving my personal information, enslaving myself, I can not prevent XXXX from selling my information, no matter how much they have fully credited, they seek to be re-credited again and again using the power of a large corporation.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The XXXX XXXX credit card account was included on Schedule F of a discharged chapter XXXX bankruptcy in XX/XX/XXXX and there is no balance owed. Also, this account closed in XX/XX/XXXX. I have opened a complaint with XXXX  and have disputed this account twice. ( XX/XX/XXXX and XX/XX/XXXX ) The creditor is aware of the bankruptcy and updated the information in XXXX however, every other year the come back and update my file as if the account closed within the past 30 days, claim Im 120 days past due, and state that I owe XXXX. XXXX  refuses to remove it although Ive furnished documentation. They say the company says its accurate.
Consumer complaint received 2019-07-31
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: Midwest Recovery Systems (PA)

I have filed a report with the XXXX as well. A few weeks ago, I received a notification from XXXX and XXXX that someone had reported collections on my credit report. Mind you, I have never received any documentation as to this and I don't have any open medical bills or unpaid debt. I looked and found out that it's from Midwest Recovery Systems. Currently, they are claiming I owe for 4 accounts which goes like this ... {$2800.00}, {$290.00}, {$280.00}, and {$97.00} for a total of {$3500.00}. They are claiming that its for a day that I was seen somewhere which is impossible because on that particular day I was moving and driving 3 hours away from where I had lived. I also told them that I have always had medical insurance because I am on welfare so I don't owe them any money and they lied and fraudulently placed those accounts on my credit report. I got a message from the XXXX  and Midwest Recovery Systems yesterday XX/XX/2019, in which they stated, " Midwest Recovery Systems has further reviewed your account. We have sent notification to the credit reporting agencies to delete this account from your credit report. Attached to this response you will find a copy of this deletion notification. '' So, I called XXXX to verify this and to verify that they have received the deletion pdf 's and they told me no, they do not have any such thing. What a surprise!!!! I am going to inform the XXXX that Midwest once again lied and has shown that they are frauds and since they aren't accredited, they should be shut down. I will attach all of the proof that I have.
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

These creditors were removed from my experian, and transunion accounts because they couldnt prove the debt was ever mines but somehow remains on my XXXX and i dont understand how its proven to them and not the other two bureaus : XXXX account resolutions Account resolution corp Wakefield and associates I never heard nor have i ever received notification of debt from them
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (SC)

Requested credit increase. 
Credit bureau reported score of XXXX. 
Wells Fargo denighed request for increase, blaming credit bureau. 

Can only conclude increase was denighed, due to my being a female.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check at the chase branch when I got there the teller said the system was down and gave me a XXXX number to call which I did the person at the XXXX number said the system was not down and I needed to speak with the branch manager I called the branch manager and nothing no show of my deposit reflectes on my account I want my money and I would like to close this account ASAP and take my banking elsewhere
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (MI)

I'm currently being garnished for a credit card that I have no idea ever existed. The attorney XXXX, XXXX and XXXX was sent a letter asking for information about the credit card and they never supplied that information to me. I ask for a copy of the signed contract and a complete forensic accounting they used to calculate the debt. To this day I have not received any information regarding the account. They have not provided me any proof of any account existing in my name. Court documents show an account number that was whited out with a completely new account number written over it. No Contract included or any validation of any debt amount or when the contract was signed. This is fraud on behalf of LVNV funding and it's collecting arm Resurgent Capital Services attorney XXXX, XXXX XXXX XXXX 

What I've requested from Resurgent on XX/XX/21 was : -signed application -the entity suing me purchased the right to collect on the debt -the balance claimed as being due is calculated properly -the loan has not been rendered unenforceable due to the expiration of the statute of limitations
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

Hi, I opened an account in XX/XX/2017 with TD Bank. After opening it, I went back to my home country and realized the card and the bank account have my last name misspelled. 

For that reason, I couldn't set up home banking for a while, and because of the $ XXXX monthly fee for printed statements ( that nobody told me about ), my balance went below {$100.00} and I started getting charged for monthly maintenance. 

I've been able to create an online banking account now but I need help with getting credited back the maintenance amounts that you deducted, also because I can't use my money or my card at all. 

After this, they credited my account, the system still sees that my balance was low at some point ( which happened thanks to their actions ) and it now the deductions don't stop happening even though my balance is {$100.00}. They keep deducting a unjust maintenance fee, and I can't fix it since I'm not in the US to go to a branch and they refuse to fix it over email.
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NV)

I have asked for chase bank to please modify my loan because the adjustable rate is going to make me lose my house! I was paying XXXX ( i make XXXX a month ) but now it is XXXX a month. i have asked since 2007 to please modify my loan and filled out the papers at least 12-14 times. my payment has gone up XXXX in the last 6 months? ... i am XXXX from all this stress and worry! i am so scared i will lose my home! PLEASE ehlp me!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was recently released from the XXXX XXXX XXXX after a XXXX XXXX XXXX XXXX, and there are things on my credit report that I am not responsible for for things and particular in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The main thing that is really affecting me is the {$7000.00} car loan for a XXXX XXXX. I was not around during these purchases I do not live in the same state these purchases were supposedly made in and the ID they said they use is my old expired Illinois one these purchases were made in California while I was in XXXX in Illinois. I was clearly the victim of identity theft, and these things are hindering my life even more, please get the credit bureaus to remove them. I have disputed some things that they have removed, but these are the lingering items that I dont understand why they just wont remove. As Ive been disputing them, there have been more hard inquiries piling up on my account, making my credit score worse I did not authorize the inquiry of my account or give permission to anyone before XX/XX/2024.
Consumer complaint received 2023-06-29
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: FIRST NATIONAL BANK OF OMAHA (CA)

My wallet and personal info was stolen in XX/XX/2023. I had filed a police report wit the local police station. The thief was able to access my personal information and was able to verify the activation of the card with the customer service agent on XXXX occasions. There are fraudlent charges on the card in XXXX and XX/XX/2023. 

The credit card company is not removing the fraud transactions and is making me liable to pay for the amount. 

I have filed XXXX police report with report numbers XXXX XXXX - XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

i have just discovered that i am a victim of identity theft and i have supporting documents to support my claim on these fraudlent accounts, someone has used my personal information to obtain goods and services using my personal information. i have no knowledge of these accounts nor have i opened any of these fraudlent accounts.