davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, my wife and I sent a letter to Equifax, XXXX, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX and XXXX XXXX. The other four we should have received have not arrived yet.
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Mercantile Adjustment sent myself a letter stating An alleged debt was owed giving me 30 days to respond DISPUTED. I request that the 3 pages enclosed be validated completely answered in 30 days or it will be construed as an absolute waiver of all claims to enforce the alleged debt against me and your implied agreement to compensate me for a court costs and attorney Not copies actual contracts with my wet ink signature, alleged XXXX XXXX and myself { contract }, XXXX XXXX, Myself and Mercantile Adj { contract } Be advised.73 American Jurisprudence { AM Jur } 2nd sect 93 third party debt collectors can not substitute { subrogate } themself into or on to a contract { transaction } if they weren't on the originally and specifically named in the contract { a Stranger } A third party Collector is not named on the alleged original contract between myself and alleged furnisher so they can not claim that anyone owes them money, which puts you at fraud. 3 pages enclosed
Consumer complaint received 2022-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case XXXX XXXX XXXX is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im XXXX XXXX and XXXX didnt want to dispute transaction I didnt made. XXXX on XX/XX/XXXX that i wasnt aware of. Please help me transaction was made thru XXXX. Someone open my acct and change the info of one my XXXX recipient. Please please help me. Contact me at XXXX XXXX
Consumer complaint received 2018-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUNTRUST BANKS, INC. (TX)

I have an outstanding loan with XXXX / SunTrust in respect of a loan from last year. 

I submitted a request online and followed up with a phone call today. I spoke with a customer service person and, when he said he could not help, with his supervisor " XXXX ''. Both were civil but condescending and not helpful. 

I was requesting a copy of a pay stub or pay stubs that they have and confirmed they have. I submitted the pay stubs as part of my loan application. 

Since then, I have changed jobs, no longer have access to my former work email, and do not have a copy of the pay stubs. My former company has given me a XXXX but has not been agreeable to provide copies of pay stubs. 

As a customer and owner of the personal data in the pay stub, I asked XXXX to provide a copy, provide access, or confirm data in it. They refused to do any of those things and said that the information does not belong to me and that they will retain the document but will not give me a copy of it. 

I believe that's inconsistent with their policies, my rights in the data, and of course it is ridiculously poor customer service. I have made all of my payment on time and, in fact, I have prepaid a large portion of the outstanding loan. Due to events outside of my control, I no longer have copies of my pay stubs but as a responsible borrower and taxpayer I would like to have copies of my own pay stubs. 

Accordingly, I am making this complaint. I would like LightStream/SunTrust to provide me access to pay stubs and my own personal data submitted together with my loan application. 

XXXX
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

Amsher the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Illinois XXXX Date of Birth : XX/XX/year> SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u.

Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXX XXXX XXXX, Illinois XXXXMY ONLY DATE OF BIRTH IS : Date of Birth : XX/XX/year> I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within XXXX  days of receiving this dispute letter.

Furthermore, please provide me with written confirmation of the
actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute.

Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ).

I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. 

Please contact me via mail at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

I HAVE CONTACTED PHOENIX FINANCIAL NUMEROUS TIMES YET THEY STILL FAIL TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT FILE. I HAVE NEVER DEALT WITH PHOENIX OR ANY COMPANY IT REPRESENT. I HAVE NEVER BEEN CONTACTED BY PHOENIX INFORMING ME OF A DEBT AND GIVING ME THE RIGHT TO DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT DOES NOT BELONG TO ME.
Consumer complaint received 2018-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, XXXX and Trans Union credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

I have two Walmart accounts : a MasterCard and store card. Both accounts are closed. I noticed several ACH debits from my XXXX XXXX XXXX accounts that did not match up with payments I had made on my credit accounts. I disputed the transactions with XXXX XXXX XXXXwho later said that Walmart MasterCard and store card verified I authorized the ACH debits. I was told my XXXX XXXX XXXX that once Walmart credit told them the ACHs were authorized that they cancelled the dispute. They instructed I call Walmart credit, which I did. The agent for Walmart credit said that XXXX  of the XXXX  I disputed were payments made to my account. They had no record of any account I owned being authorized by me for any credit account I own. However, the representative told me there was nothing else they could do other than have me file a claim for the XXXX dollars of ach debits taken from my bank account through their ACH debits and have those payments placed on my account.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (TX)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. Sincerely, XXXX XXXX   Enclosures : Identity Theft Report Proof of identity Notice to Furnishers of Information
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (CA)

I was charged XXXX for someone to repair my credit and remove the medical bills which my children had insurance for all of XX/XX/XXXX-XX/XX/XXXX There are also 2 evictions in my report i have reported because my id social and birth certificate was stole 2 different times in XX/XX/XXXX and XX/XX/XXXX. It seems like someone is trying orderstuff i never approved for such as credit cards. Ive been back and forth with Experian and XXXX XXXX XXXX deleted the collections. I need the evictions and all medical bills removed i have proof of identity theft and i have the beginning of the police report. My identity has been used for several years and nothing has been done about it. Please help. XX/XX/XXXX-XX/XX/XXXX my address was XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2018-12-07
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I recieved a notification that my credit had been pulled. I immediately called the company and they verified that my social security was used for an application that did not match my name or my phone number. They told me they would remove it but they have not done so as of XX/XX/XXXX. I dont know how they allowed an application to go through when it had my social and another person 's name, when asked for my tried to verify me as the applicant they asked for my middle name, but I dont have one, the phone number listed also was not mine. This company has terrible security issues if it allows such things to happen.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. ()

I currently have over XXXX Chase Ultimate Rewards points, which are worth at least {$7500.00}. 

Around XX/XX/2018 ( 4 months ago ), when I tried to access my Chase Ultimate Rewards account ( or even activate the 5 % bonus on Chase Freedom ), I would get shown this page that says " We are unable to complete your request at this time '' ( image attached as well ) : XXXX : XXXX At first I thought it was just a temporary error ( which isn't uncommon for Chase ), but after 2 weeks this was still happening, so I called customer support. They opened a ticket, got escalated to their tech team, but when I would call back to find out what happened, they told me that the case had been closed. This happened 3 times, and each call has taken a lot of time to explain the situation and verify a bunch of information. 

Going from ultimaterewards.com and chase.com have the  same result. 

I'm not able to use these points by phone either, because the operators for the Travel Center are not able to access my account/points neither. 

I've tried every browser, both XXXX and XXXX computers, and the XXXX Chase phone application. They all send me to the page that says " We are unable to complete your request at this time '' On XX/XX/XXXX, I looked up some people that work in Ultimate Rewards on XXXX, and cold called a VP of Customer Relations. He acted like he was helpful at first, and we exchanged some emails. He eventually said I can buy a flight/hotel using Chase Sapphire and if I give him the details, he will deduct the appropriate points and credit my credit card for the purchase. 

Long story short, he wasn't able to fix anything. 

I can see that I'm still collecting points, but I haven't been able to access it. 

I travel a lot, and it's become a huge inconvenience that I'm not able to access these points which I intended to use for travel. I need to get this issue resolved ASAP.
Consumer complaint received 2018-12-07
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. (HI)

My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am trying to put a fraud alert due to recent data-breach with Equifax and so far no luck. Very un-ethical business operations from Equifax and they should be accountable as they allowed my XXXX data into bad-hands. Thank you.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX I requested a Wells Fargo credit card. I received an email saying my card had been approved. When I went online ( XX/XX/XXXX ) to create my online presence, I noticed on an obscure page that my last name was misspelled. When I called them, they confirmed that the card was created with my name misspelled. I asked them how they could check my credit rating ( which I saw that they did ) with misspelling my last name? How did they validate that I was the rightful owner of my SSN and credit history/report? I was told they can't fix it until I receive a letter from them in about 10 days to prove who I am. But yet they issued the card with my name misspelled and not matching my credit report. 

I would like for your agency to look into this as this is inappropriate behavior. 

Thank you! 
XXXX XXXX Wells Fargo Application reference number XXXX
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

I filed a claim with Chase bank on XX/XX/2018 because I made a purchase to a company called XXXX XXXX on XX/XX/2018. Since the company did not deliver all of my product, I filed a claim with my bank informing them that I have not received my product. On XX/XX/2018, Chase reversed the claim stating that they received information from the merchant stating that the provided the product, however I provided proof that the merchant agreed to refund the money, and they still will not refund my money. Chase claims team is incompetent.
Consumer complaint received 2018-12-07
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: EQUIFAX, INC. (HI)

My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

This collection was reported in my XXXX XXXX account and I do not know anything about what it was for. The company never sent me anything about this debt of {$1000.00} and I would like it to be removed from my credit profile.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EXPERT GLOBAL SOLUTIONS, INC. (NJ)

XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by  failing to report complete and accurate information to credit reporting bureaus.