davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-16
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. (FL)

Re : Inaccurate Accounts & Inquiries your companies are reporting on my credit report. I am leaning towards filing a law suit and a police report against your companies XXXX, Experian , & XXXX. These companies has violated several laws within The Fair Credit Act. I have attached the appropriate letters below. I am not a credit repair company. 
Remove the inaccurate accounts and send me a new copy of my credit report with the inaccurate accounts and inquiries removed. 
The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. The companies are listed in the letter below. Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. I have received a letter claiming that i owe debt to the companies listed in the letter below. Since this is an error and the accounts are listed inaccurately by your companies, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail.
Sincerely XXXX XXXX
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (VA)

Today repeated attempt to get replacement card. They won't deliver replacement to my po box . I think they did original. And they won't accept my physical address with with # XXXX at end even though they did one or the other in the past. 

Other banks keep physical address on file. But deliver to po box .

Post office does not deliver to physical address.

So what am I to do?
Consumer complaint received 2024-03-23
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: PENTAGON FEDERAL CREDIT UNION (VA)

I am in active XXXX  XXXX bk and I have provided all the information to Pen Fed including my case number. The representative advised me that they wont stop until they verify Ive told the truth because customers lie. Ive sent the information since Monday the XXXX and they were notified by my attorney since XXXX. It is causing me great distress
Consumer complaint received 2019-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

First Federal Credit Control sent me a notice of an alleged debt to XXXX  XXXX. I am unaware of any debt owed to XXXX  XXXX. I do not believe I owe any medical bills/debts as I am a Medicaid/XXXX  recipient. However, weather I owe this alleged debt or not is not my complaint. First Federal Credit Control reported this alleged debt to at least one of the three major credit bureaus in violation of the FDCRA. According to the FDCRA I have 30 days from the date of notice to respond asking for debt validation. First Federal Credit Control letter is clearly dated for XX/XX/2019. First Federal Credit Control reported this alleged debt effective XX/XX/2019 which is in clear violation of my rights and has caused my perfect credit rating to suffer. I am XXXX years old and do not have any outstanding medical debts or any other unpaid debts for that matter. First Federal Credit Control insufficient proof of this debt before reporting this erroneous debt to the credit bureaus may cause me denial of credit, adequate housing and higher rent/deposits. First Federal Credit Control would have known that this alleged debt is erroneous and inaccurate if they were not in violation of my consumer rights and followed the federal law and they are aware of this.
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

On XX/XX/XXXX, I sent a payoff request for XX/XX/XXXX via the loan company 's website which was acknowledged and forwarded to the proper department. XX/XX/XXXX, I sent an email seeking a response to my original email. XX/XX/XXXX, I filed a complaint with the XXXX. XX/XX/XXXX, I received a response to the XXXX complaint from the loan company stating they are required to respond to all complaints but that it was an unofficial response. XX/XX/XXXX, I emailed the president of the loan company seeking resolution. 

This company is also notorious for not processing payments in a timely manner. The most recent example- I mailed my XXXX payment on XX/XX/XXXX and the payment finally posted to my account on XX/XX/XXXX.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been disputing an inaccurate late payment with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 and again on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. I still have absolutely nothing from any of the bureaus ; No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2019-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

shows multiple credit inquries on my credit report which I don't know nothing about. and I tried disputing multiple times but no help. and my there 2 account in collection one in XXXX and 2nd XXXX XXXX XXXX XXXX i didn't open these account or had any knowledge about these account these are fraudulent accounts
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (IL)

someone opened an account with Amazon and then opened a Chase credit card. The account went delinquent and we did not receive collections letters until the point of it being sent to an attorney office. 

I do not have an account with Chase for Credit Card or an Amazon Account. I have tried to make contact several times. and now they have referred this to an attorney. 


My request for information have not been addressed.
Consumer complaint received 2024-02-10
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. (PA)

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 # 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 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 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

After reviewing and trying to have items removed from my credit file I have come to a dead end with the companies as well as the credit reporting agencies. I really need the inquires, a chapter XXXX that I have no idea of and accounts that were open that i wasn't aware of. I have been going through this for years and this is stopping me from living a better life for me and my children. Some things have been removed due to the fraud, but there are still items that i need removed. The jobs I'm applying for are having credit checks for employment and items on my file are really hurting me. I didn't know where to turn to so I'm here.
Consumer complaint received 2021-02-09
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: Total Card, Inc. (MN)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXXXXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX  XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered on my credit report. Upon reviewing my credit history, I noticed several inquiries that I have no knowledge of and have never benefited from, nor have I applied for any of the associated credit accounts. I would like to request your assistance in investigating and resolving this matter promptly. 

The inquiries in question are as follows : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I can assure you that I have not engaged in any of these activities, and these inquiries are unauthorized. This situation is highly distressing to me, as it may impact my creditworthiness and financial standing. I take my credit report seriously and have always maintained a responsible approach to my financial commitments.

I kindly request that you conduct a thorough investigation into these inquiries and provide me with a detailed report of your findings. Additionally, I would appreciate it if you could remove these unauthorized inquiries from my credit report as soon as possible. It is of utmost importance that my credit information remains accurate and reflects only the activities that I have undertaken.

Please keep me informed of the progress of your investigation and any actions taken to rectify this issue. You may contact me via the provided email address or phone number listed above.

I understand the significance of maintaining the integrity of credit reports, and I trust that your esteemed organization will handle this matter with the urgency and attention it deserves. I eagerly await your response and resolution to this matter.

Thank you for your time and understanding. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-08
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: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX Wells Fargo XXXX XXXX staff introduces a traveling credit card, I got Introducing the Propel Card paper ( see attached file XXXX.for To qualify for the 30,000 bonus rewards points, ) and online apply and got new card # XXXX that 3 % travel ( item ) : Airline, passenger railway, hotel/motel, timeshares,, XX/XX/XXXX I pay {$1200.00} to XXXX XXXX XXXX AZ that is timeshare Owner Resort Maintenance fee belong Travel ; But I only got 1 % rewards points. I sent Message to Wells Fargo, before they said only phone talk. XX/XX/XXXX talk XXXX still no answer. XX/XX/XXXX I sent Message why I dont see Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and insist on ask Message reply. XX/XX/XXXX XXXX XXXX reply Message how important it is for you to be able to find out when your promotional 30K rewards points will reflect on your account. XX/XX/XXXX I spend more/over {$3000.00}, but still dont see bonus points. XX/XX/XXXX I sent Message again my Credit card # XXXX already use over {$3000.00} until to XX/XX/XXXX, please keep the honor as Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and deposit 30K bonus points to my reward account. But XX/XX/XXXX XXXX XXXX reply Message If you currently have an open Wells Fargo Credit Card account, or that was closed within the last 12 months, you may not be eligible for introductory offers on new credit card accounts., I dont agree description, XX/XX/XXXX I talk with Mr . XXXX XXXX who said within 15 months apply 2 credit cards, new credit card cant get bonus offer. I tell XXXX branch introduce Propel Card paper dont show you mentioned 15 or 12 months reason, If you delete bonus offer for my new card, you must notice me before, or dont accept my application. He said No, No, No., think didnt need. I also mentioned XX/XX/XXXX pay {$1200.00} timeshare Owner Resort Maintenance fee, only get 1 % rewards points, he terminated phone. XX/XX/XXXX XXXX calls said send 15 months description paper to me. I find Wells Fargo already amend/plus 15 months item to webside. Why now become 15 months, because I apply another card # XXXX in XX/XX/XXXX that just is 13 months. I claim them pay 30K bonus points and less XXXX points ; and also remind Consumer notice Wells Fargo dishonest and immoral way. Of course have other story for this card. 
Thanks,
Consumer complaint received 2018-11-18
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: Middle Georgia Management Services (GA)

XXXX {$2000.00} You can not collect a debt twice ... 

... grave errorfalse claim and reportingI want this account removed, and reported to credit bureaus immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2019-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have previously sent a letter to the lender and servicer along with attached proof and documents which indicate that the Assignment and transfer document recorded in XX/XX/2009 was fraudulent executed by XXXX XXXX. In addition, in XX/XX/2009 an affidavit was executed by XXXX XXXX that appears to also be fraudulent and in addition, XXXX XXXX claims to have knowledge of the complete loan and information and warrants it to be correct as presented for a XXXX foreclosure application. I have repeatedly requested validation of standing and legal chain of title given these two documents. Bank of America fails to ANSWER the very direct question if the documents were signed fraudulently by people who did not have authority to execute them as represented in the documents. In short - are the documents fraudulently executed? I am providing copies of the Transfer and Assignment document, the affidavit, and documents which show prior depositions and records of robo signing in lawsuits across the country. Were the documents executed in fraud? 

Prior responses refused to directly answer the question but instead manipulated the question into arguments that the foreclosure court had answered the question or that a quiet title suit filed and dismissed settled the issue. Please note that the court did not have the information on the fraudulent documents in the XX/XX/2009 foreclosure hearing and therefore did not review the fraud issue and in the quiet title suit that was dismissed the issued was not addressed because the lender and servicer transferred and assigned the loan during the middle of filed litigation without notifying the owner and the attorney representing BOA. BOA had failed to answer and address the quiet title issued during the 90 day period of time and were arguing against a filed judgment motion. AGAIN, I am requesting a direct answer as to the legal authority of both the representative that signed the documents and weather the documents are fraudulently executed.
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/18 Chase notified me that they were closing all my credit cards that I had with them. 

Chase fraudulently informed me that this was due to " our affiliate ending it's banking relationship with you ''. I do not have, nor have had a chase bank account in nearly 20 years. 

Additionally at least one account ( my freedom card ending in XXXX for example ) was opened prior to chase taking over the credit card account and at no point did I agree to the terms of the card, specifically those governing the closure of the account without forewarning and arbitrarily - therefore I am not bound by those terms.
Consumer complaint received 2019-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I spoke with Portfolio Recovery Reps more than 30-45 days ago, and agreed to pay the account in full and I was instructed that they would ask the credit reporting agencies to remove the entire tradeline from my credit report within 30 days of account being paid. Listen, time has passed and it still hasnt be removed and I been instructed to check the policy on online that stated that they would remove it. When should I expect this to be removed? When do you report to the credit bureau? Please kindly escalate this issue immediately up to the chain to ensure this is remove within the next 24-48hrs as its hindered my chance to buy or rent a house for my family. Again, please send me an update that this is in the process of being removed as promised. Thanks! XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is reporting erroneously that this account is open. 
I have no open account with Portfolio Recovery. 
I have no contract with Portfolio What is a factoring account? 
I have disputed and it has come back verified. 

I wrote to the BBB of Virginia on XX/XX/2018 and has been assigned case # XXXX The BBB response was as follows : " We have reviewed your complaint and see it is outside the realm of assistance provided through BBB. However, in order to be of some assistance, BBB has forwarded a copy of your complaint to the company. BBB did not request a response from the company, therefore, no further action will be taken by BBB and has closed your file. '' What??????!!!!! 

So, I paid them, and my account shows open and reporting, hurting my credit, and the BBB refused to help me and is useless.
Consumer complaint received 2019-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and XXXX detailed of all those fraudulent information. These two companies and Capital One and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, XXXX and all companies that included in my credit report and reported to XXXX and XXXX to remove al fraudulent records in my account. They are affecting my credit report.
Consumer complaint received 2019-04-08
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)

My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and TransUnion detailed of all those fraudulent information. These two companies and XXXX XXXX and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, TransUnion and all companies that included in my credit report and reported to XXXX and TransUnion to remove al fraudulent records in my account. They are affecting my credit report.