davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OH)

In late XX/XX/XXXX i signed up for XXXX 's offer of one year free service. Prior to the end of that year of free service ( XX/XX/XXXX ), i ended my service with XXXX and switched to a different carrier.  However, XXXX erroneously charged me for one month of service in the amount of {$120.00}. In XX/XX/XXXX i disputed this charge by sending XXXX a letter to their disputes department using the address published on XXXX 's website. XXXX failed to respond. According to credit law, they had 30 days to respond to my dispute but failed to do so. They have now hired a collection agency called IC System to collect this fraudulent debt. I consider these tactics harassment. 

I have attached the following documents in a ZiP file : ( 1 ) XXXX 's 1 year free service offer ( Free offer details ) ( 2 ) My letter of dispute ( Dispute letter ), ( 3 ) Confirmation that i closed my XXXX service account ( Account closed ), ( 4 ) XXXX 's email invoice from XX/XX/XXXX showing XXXX disregarded my letter ( XXXX - Your XXXX bill is now available online_illegal harassment ), ( 5 ) email from collection agency IC System ( XXXX - Important Personal Message from I.C. System ).
Consumer complaint received 2022-03-28
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: LEXISNEXIS (NY)

LexisNexis are deceitful liars. I demanded they stop furnishing a bankruptcy that they were unable to verify as I have a letter from the court stating that they did not furnish information to any reporting agency. I also demanded a security freeze. I received a letter with a pin number for my security freeze. Then I received a letter stating they could not authenticate my identity to remove the unverifiable information, thus continuing to violate my consumer rights. They are liars because they were able to authenticate my identity with my drivers license and utility bill for the security freeze but somehow can not for the violation of my rights. I demand LexisNexis stop furnishing information about me and delete the unverified bankruptcy immediately.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX placed a collection for {$5600.00} on ALL 3 Credit Bureaus ... Experian, XXXX, and XXXX. I became aware of this in XX/XX/XXXX. 

WHAT HAPPENED : ** On XXXX i saw XXXX was on my credit report. Never having received anything to do with this company nothing, I sent a letter. ( see attached ). 
** On XX/XX/XXXX = I was SUED by XXXX XXXX. ( Still, I had never heard of them or from them ). 
XXXX XXXX XX/XX/XXXX = I responded. 

-- -- - After waiting out XXXX continuances for documents.On day of courtXXXX is no-show all while reporting still monthly to ALL 3 CREDIT AGENCIES. 

On XX/XX/XXXX = COURT DISMISSED XXXX XXXX case. CASE DISMISSED ... ( see document ) On XX/XX/XXXX = I write ALL 3 AGENCIES requesting they REMOVE XXXX XXXX  off my report AND THEY ARE REFUSING. 

PROBLEM : Experian and XXXX refuse to remove after receiving Court Ordered Dismissal. ************ Their reason to me= they continue to wait for XXXX XXXX response REQUESTING HELP FOR RIGHTS 1. I requested XXXX ; who I had never heard of get off my credit report. I was proactive and requested XXXX XXXX verifying and validate any debt they were accusing me of owing as well as verify who the heck they were. NOTHING THEN 10 days later= IM SUED BY XXXX XXXX. 

2. XXXX XXXX continues to report to all 3 credit agencies stating, I owe them moneyI say I do not, and the Court Agreed. 
THIS CASE HAS BEEN DISMISSED IN A COURT OF LAW PLEASE MAKE EXPERIAN, XXXX AND XXXX REPORT THIS DISMISSAL CORRECTLY AND REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Consumer complaint received 2024-02-14
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. (GA)

In accordance with the Fair Credit Reporting act. 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 Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (MN)

This is an invalid account- I have asked several times for information from Convergent supporting the validity of this debt and they have refused to give me demographics, dates of account open/close, signature to contract with original creditor, date of expiration, payments made to account and more importantly, my identification documents associated with this account. I would like this removed from my credit- this is the third time I have disputed with XXXX and next I will have to file for consumers assistance with credit reporting agency. I would like Date of account open Address associated with account Name on account Social Sec number associated w account Payments made to account Identification associated with account Contract signed/dated on account Date account expires off credit report Detailed explanation of account charges If you can not provide these than it is my right to ask for removal of this account from my credit report. Thank you for your time!
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get into Transunion credit freeze/alert through XXXX for the last two weeks in XXXX. I have a temporary suspension that they can not seem to lift. I have called at least 8 times and each time, they give me a temporary password and each time it fails. Sometimes, the code never comes. Sometimes I put the temporary password in and they ask for a new password but it still comes up " Temporarily suspended ''. Once I actually got in with a new password but tried to get in a second time but was temporarily suspended again. 
At one point last week they said that it has been " escalated '' and a Supervisor was supposed to call me back but after 5 days, nobody called back. 
So here I am with my credit frozen but if I need to unfreeze it, I won't be able to because of their issues and failure to resolve them. 
This is completely unacceptable. The time I've spent trying to get access to what is my information is now ranging in 10s of hours!
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CO)

phishing call from XXXX, claiming XXXX charge of an I phone from outside of the country wanted me to go to computer and fill out form for refund and got angry and said I would be charged if I did not, they hung up. There is no such charge on my XXXX account. XX/XX/2012 $ XXXX. First call was a warning to call that #, was given a name and an ID #, redialed and got further instruction.
Consumer complaint received 2022-03-28
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. (FL)

I am a victim of identity theft. I have filed numerous FTC reports about the issue. I have disputes these account with the credit bureaus. They have not removed them, and have not proven that they are mine. A signature or contract can not be produced with any of these accounts.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa 18XXXX XX/XX/2022 TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX To whom in may concern : Please remove the extended Fraud Alert on my credit report. I do not want it. To verify my identity and address, Im including a copy of my drivers license, social security card and a recent bank statement. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (PA)

On XXXX XXXX I was trying to add funds into my XXXX XXXX and it declined it went onto the td bank app instead to XXXX come to find out Im locked out my account. I called td asap since Im unaware as to whats going on in my account since Im outside the US. The rep told me my account was closed due to a XXXX  that was being disputed and told me go to a branch for my info. I returned back to the US on XX/XX/XXXX went to a branch for the rep there tell me to wait for a letter that she couldnt give more details. Now we in XXXX I called few days ago to td bank to follow up since my funds have been frozen due to the account closure. The rep that helped straight told me they was charging back XXXX  transactions that I had received apparently I cant accept payment unless they personal and that for me to go thru my statements and reach out to all who td is refunding back
Consumer complaint received 2021-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (NY)

Chime bank in connection with XXXX XXXX  was authorized on XX/XX/XXXX to send XXXX to a XXXX XXXX linked to my name. The account number was correct but within ACH Guidelines did not arrive within 5 business days. XXXX XXXX did all authentication they could and said the money never arrived. CHIME refused to due any research activity at all. They refused to perform an ACH trace or file a dispute. I called in excess of 15 times asking for trace and dispute and they repeatedly declared the money was at XXXX, blamed XXXX and exercised ZERO effort to contact XXXX to see if the money was even sent.
Consumer complaint received 2024-02-14
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. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MD)

My name is XXXX XXXX, a Federally protected consumer, and I am making this complaint against Hunter Warfield for committing Identity theft. I have never given Hunter Warfield any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe I am legally refusing to pay this debt Pursuant to 15 USC 1692c ( c ) .I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Hunter Warfield can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Hunter Warfield continues its collection efforts, I will file for litigation for actual damages caused and Hunter Warfield will be held criminally liable for aggravated Identity theft Pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mal fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention are both requested and required.
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE (TX)

Finance manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.
Consumer complaint received 2021-08-27
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX/XXXX-Date of Inquiry XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-01-11
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 (NY)

On XX/XX/2018 I made a purchase on XXXX XXXX XXXXs website with my Barclays credit card. The amount of the purchase was $XXXX for a shirt and pants. The item did not fit and it was returned to the seller. On waiting on my refund from XXXX XXXX XXXX they emailed me and said that they couldn’t issue me a refund because it didn’t comply with their return policy by assuming that the item was worn. They re-shipped the item to me but I refused the package because I know the item was never worn! I contacted XXXX XXXX XXXX and ensured them that the product was returned exactly how I received it and I proceeded to file a claim with Barclays Card services. On filing a claim with Barclays after about a month I received a letter from Barclays stating that XXXX XXXX XXXX said I never contacted them which was not true and the over all reason for the decision to not go in my favor was stated that “the primary has no proof the sizes ordered differed from the size that was received” which was far from the truth of why XXXX XXXX XXXX first contacted me. I re-opened the case and submitted the necessary evidence and documents showing that XXXX XXXX XXXX submitted untrue information. I hadn’t heard from Barclays so I contacted them about a month after. They informed me that the case still did not go in my favor because they cannot override the policy of the seller. Barclays said they would send me a letter and I’ve been waiting for it almost 2 months now. This is a completely unfair decision. XXXX XXXX XXXX still has the merchandise in their possession, in addition to the charged amount of $XXXX. Barclays has left the charges on my card and it has been accumulating interest! They have submitted zero evidence that the item was sent back worn except for XXXX XXXX XXXX saying that. I submitted evidence stating that the company has lied and they still made the decision in XXXX XXXX XXXX favor. I would think my card company would try their best to get me my reimbursement, instead they were very negligent and unfair in dealing with this matter. They have failed me as a long term customer and this matter needs to be rectified immediately.
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (OK)

I closed on my home XXXX XXXX. The property taxes were included in the closing costs. I was advised through mail that XX/XX/XXXX Fidelity Mortgage was selling their accounts to US Bank Mortgage which whom would be our new mortgage company. I receive a bill from the XXXX XXXX treasurer dated XX/XX/XXXX for property taxes. I spoke XXXX at US BANK Mortgage on XX/XX/XXXX whom stated the payment to the county was denied. I made a case/ticket with US bank for the taxes to be paid. Advised to call back in 10 days. Call back and spoke with XXXX XX/XX/XXXX she stated there was a approval to pay but no payment made yet. Call back in XXXX. Call back on XX/XX/XXXX and spoke with XXXX whom stated no payment made and needed to make another case/ticket. Call back in 10 days. Call back XXXX and spoke with XXXX whom stated on XX/XX/XXXX check was sent. Call back in 10 days to verify. Call back XXXX spoke with XXXX whom stated it was paid but needed a email sent of the property tax bill to pay the interest of {$69.00}. Email sent XXXX. Email again on XX/XX/XXXX to verify if paid, no response. Call back ok XX/XX/XXXX and spoke with XXXX whom transferred me to XXXX to verify if interest has been paid and was told the penalty and interest rates is now {$400.00} and check was sent to county treasurer on XX/XX/XXXX for the amount. Call back in 10 days for check to clear. As per my US BANK MORTGAGE app states the original amount was deducted from escrow on XXXX. I called XXXX XXXX treasurer on XX/XX/XXXX to verify and XXXX stated they have not received any payments from US bank mortgage. They stated if the amount is wrong they would send the check back to the mortgage company. As of XX/XX/XXXX my property taxes, interest and penalties have not been paid by US bank mortgage when I originally paid my property taxes on XX/XX/XXXX at closing.
Consumer complaint received 2021-05-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I have requested that Porffolio Recovery Associates provide me with a copy of the original contract in reference to account number XXXX. Portfolio Recover Associates has repetitively sent copies of bills. Im requesting a contract stating that I owe Portfolio Recovery the actual said debt of {$780.00}. I have been receiving the alleged bills since around 2016.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America at XXXX XXXX XXXX XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of {$350.00} of collection has been past due. I have expressed to them multiple times that the overdraft was fraud and some stoped my card. Also my Id and social as well.
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (CT)

I have filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021
Consumer complaint received 2024-02-14
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. (MN)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (NY)

This is my final attempt to dispute the information in my credit file which resulted from an alleged identity theft before I seek legal remedy. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (VA)

I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : 1ST CRD SRVC, Account Number : XXXX. 
I would like for 1ST CRD SRVC to show proof of verification that I owe them {$210.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.