davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

On XX/XX/XXXX I was refunded {$310.00} in several refund transactions. Cash App put my money in the wrong account ending in XXXX. I do not own this account nor do I know who owns it. They gave my money to someone else. This has left me in a financial bind. I am unable to fill my regular medications I've been on for 13 years since I had a XXXX XXXX XXXX with XXXX XXXX  in XXXX. They keep me alive and free from another rupture. It is imperative I get my money and they have been giving me the run around
Consumer complaint received 2021-04-14
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. (SC)

these 7 derogatory marks needs to be removed immediately.I have contacted Equifax numerous of times to removes these collections that has NOT BEEN VALIDATED!! if this is not removed in 15 days i will be contacting my lawyer to pursue a law suit.
Consumer complaint received 2022-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was solicited via email from Capital One Bank with a new credit card offer. The offer stated in plain language that this offer would not adversely effect my XXXX XXXX. I applied, and of course was approved, but then noticed that almost in real time, they gave me a derogatory mark on my XXXX XXXX just for applying, and my score dropped by XXXX points! I did not authorize the to make a negative mark on my credit, and they approved me for the card! It was clearly a bait and switch, as their marketing materials claimed that applying would not adversely effect my XXXX XXXX. This is very deceptive marketing practices and terrible customer relations. I feel deceived and did not get any benefit from this negative inquiry, nor did I authorize this behavior from Capital One.
Consumer complaint received 2021-09-24
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 (OH)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (TX)

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They claim I owe XXXX and have not show any proof of original sign contract. U.s. department of education located in Tennessee.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.
Consumer complaint received 2022-01-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc. (UT)

received a bill XX/XX/XXXX stating i owed {$500.00} dollars, no explanation of charges or what services were rendered or who originated them, i sent a couple of notes back to this person asking what the charges were for, no answer, finally i wrote on the bill if i didn't receive any information what the {$500.00} was for i would consider it a fraudulent bill, or more likely a scam, and don't send any more bills, they kept coming no explanation of what the charges were for, later received a communications from a collection agency sayin i now owed them {$500.00} no explanation of what the charges were for or who originated them, collection company was " express recovery services '' i then wrote them back stating i considered ti to be an invalid bill but would would be happy to pay the {$500.00} if they provided me the following information,, an itemized bill including the following : -service or merchandise that was provided -exact procedure that was performed -who performed the procedure -location of procedure -date and time of the procedure -reason for procedure i received no information whatsoever concerning this request later I received a letter from a so call attorney stating he was representing express recovery services, i again asked for the above information and received nothing. Concerning what the charges were for, enclosed with a second letter was a partial statement from some one unidentified showing i had paid them {$500.00} plus my insurance had paid them {$620.00} on the front of this statement they had written in paid {$400.00} in addition to that already paid, but nowhere was there any reference to me owing them {$500.00} i finally figured out who the originator of the debt was " XXXX XXXX XXXX '' where i had XXXX XXXX done in XXXX of XXXX, but i had never received a bill from them and verified everything had been paid, shortly there after i got a summons from the court i was being sued for the {$500.00} plus some additional charges the lawyer had arbitrarily added, i still was not told what the charges were for, i Don't know why they wouldn't explain the charges but i suspect they didn't know possibly because there was no record. 

i did pay the {$500.00} plus another {$120.00} for whatever because i was afraid of having a judgment against me, this has now effected my credit score. i didn't even know they were reporting this to them, i feel this whole thing has at best been a misunderstanding but more likely a way to use intimidation to get me to pay, as an XXXX XXXX XXXX i feel this is an attempt at elder abuse and should be treated as such i can provide added documentation if required
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Conn's, Inc. (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

I called to National Credit System to get a discount and the answer I got was rude and they said I had to pay the bill for the maximum amount. I didnt have right to call to negotiate ; either it paid everything or didn't call then. The proof that they sent me that the collection debt was mine, was an apartment inspection paper and that they could not contact me. I still kept the same email and i kept the same phone for 1 year, I asked for a copy of the contract or email that the apartment complex try to contac to me to see the veracity and they refused. 
I spoke that time with a XXXX XXXX costumer service and when I called back to talk with someone else they said here we dont speak XXXX
Consumer complaint received 2021-09-24
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: TRUIST FINANCIAL CORPORATION (FL)

XXXX removed Regional Acceptance from my credit report just recently and I had a dispute with XXXX to remove this closed account but they said it will remain. How can they not remove it when its removed off of XXXX. It is suppose to be removed from all credit reports.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AutoNation Enterprises Incorporated (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting Act XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX  Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

To Whom It May Concern : Upon review of my credit report, I discovered there is more than one account with your company with various account numbers and account balances. My records show that I have only one account with your company and that account number is XXXXXXXX XXXXAccount number XXXX XXXX XXXX Account number XXXX In accordance with the fair credit Reporting Act XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX Account number XXXX has violated my rights. 
The above are duplicate accounts and should be showing only one account. 
Late reporting from XXXX XXXX  15 U.SC 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX must comply with federal guidelines and delete all late and duplicate accounts.
Consumer complaint received 2021-09-24
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: JPMORGAN CHASE & CO. (PA)

Dear chase, I recently received a letter about a fraudulent account thats being reported on my credit report and it stated please provide more information about your dispute First and foremost I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2022-11-30
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: National Credit Systems,Inc. (FL)

XXXX is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per NATIONAL CREDIT SYSTEM. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of NATIONAL CREDIT SYSTEM showing.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I've been a customer for over four years with USAA and my checking and savings account has been restricted where I could not access it and it's been restricted since XX/XX/XXXX which is still restricted in the year XXXX my savings and checking account solo has nothing to do with my joint account due to the fact the joint account got compromised and USAA reversing credit reversing credits that they already had the investigation work on and allow the credit before I take it back I have no access I had already notified them of the spine we're fine we're meeting that computers are being hijacked by cyber which mine have I also told him that someone forward my general homeo somewhere else as well as hijack my telephone number I'm the victim and I can't get access to my money that I need right now they told me that the investigation will be done on XXXX XX/XX/2021 and he still not I'm still locked out
Consumer complaint received 2021-09-24
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. (PA)

I have attempted to resolve the following problems on my Equifax report. 

XXXX. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is paid in full XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (PA)

On Tuesday XX/XX/21 the debit card came in the mail from Chase Bank. 
A checking account was opened fraudulently online in my name on XX/XX/21. 
XX/XX/21 called closest local Chase branch and reported this. Also made an appointment to close the account on XX/XX/21 at the branch located at XXXX XXXX XXXX. XXXX, PA XXXX. 
XXXX to XXXX XXXX ( Lead Associate Operations ), she took my debit card, gave me a printout of what exactly I am to do next ( call all 3 reporting agencies, record case at www.identitytheft.gov, and advised me NOT to file a police report, which was a red flag to me ) XXXXcalled main Chase corporate office, spoke to XXXX at XXXX XXXX. Found out what date the account was opened and on XX/XX/21 the account was opened with {$0.00} another transaction on XX/XX/21 was for {$150.00}. I asked for a printout of all documentation in regards to paperwork signed to open the account and a statement of the account. She could not provide me with that, she transferred me to another department. That representative would not send me a statement or any supporting documentation of the account being opened. 
XX/XX/21 filed a police report at XXXX XXXX XXXX Police Department.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX account with Citizens bank. An account was opened in my name that I did not authorize. An overdraft fee and negative balance of {$44.00} was reported today, XX/XX/2022 to Citizens via phonecall. I am following the instructions of the representative from Citizens to report this fraud and she is closing the fraudulent account.
Consumer complaint received 2021-09-24
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. (PA)

This is happening every other month. I have CREDIT FREEZE on my account which doesnt allow anubody pull inquireys off my transunion or XXXX reports. Well he we go again and again. They should be regulated by the government because their customer serive is in XXXX were our laws dont exist and tgere employess are so rude and ignorant. All there taught id to say no.
Consumer complaint received 2019-07-29
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am victim of Identity Theft. Someone tried to open many credit card accounts with various banks. All accounts are closed and removed from my credit report except HSBC BANK. I had filed FTC complaint Report # XXXX providing details of HSBC bank along with account details. I had sent dispute letter to HSBC bank dated XX/XX/2018 stating I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). 

HSBC bank has not taken action to remove disputed credit card details from my credit report. Details of the account are as follows : Account Name HSBC BANK Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/2018 Credit Limit {$2700.00} Kindly ensure HSBC Bank gets all the details pertaining to my account removed from my credit reports.
Consumer complaint received 2019-07-29
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: Peter Roberts & Associates, Inc. (MA)

On my first complaint I asked this company to validate this debt because I need to know whos account this is before I make any payments on it. This company is claiming that I made a {$20.00} dollar payment arrangement with them on XX/XX/2016 and that they spoke to my daughter on the phone because I do not speak English. First of all I do speak English very well and second I did not make any payment arrangement with anybody in this company, this company is telling me that two {$20.00} dollar payments were made by me when I fact I have never made any payments to them. One payment on XX/XX/2016 and another payment in XX/XX/2016, I want the original contract from this company bearing my signature on it, I do not want any statements or any itemizations like they told me that they are going to mail to me, I know what the FCRA says and an itemized piece of paper or any statements is not enough to validate a debt or this debt for that matter. Like I said this company and the hospital where this debt came from are breaking the law by sharing personal health information. I want this account expunged from this companys files and deleted from all credit reporting agencies that it is being reported to now. I need the original contract bearing my signature that obligates me to pay this company or delete the account.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX