davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NC)

I would only like communication about this alleged debt through the mail or through CFPB. All other forms of communication about this alleged debt must Cease and Desist- to include phone calls, text messages, push notifications. This Cease and Desist also includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector, and not a 3rd Party 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 
6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
Consumer complaint received 2022-03-04
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. (IL)

I called all 3 credit bureaus about bankruptcy information show on my credit report under public record that I would like deleted and The operator told me that the information on they in seemed accurate, so I contact the bankruptcy court and they informed me that they do not report any information to the credit bureaus. So I once again disputed it but this time via certified mail and it has exceeded the response time allowed and I would like for the information to be removed from my report as it is holding me back from progressing in life
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (OR)

Outside ATM at XXXX, CA US Bank on XX/XX/2021. ATM malfunctioned keeping my card and the machine kept spinning around. 
Branch manager was inside, he came out and said there was nothing he could do. I had to file a dispute online, which I did XX/XX/2021. It showed still pending on XX/XX/XXXX, so I was required to wait until XX/XX/XXXX to file a dispute. 

The XXXXXXXX XXXX  in front of me had the same thing happen, yet I didn't know this. He was making an online dispute or I wouldn't have used the ATM. No note on the machine saying malfunctioning. 
XXXX branch manager for US Bank told myself and the XXXX XXXX this had happened to several others before us. I asked him why there was no note. He said there was nothing he could do about it. He lied and said the weren't their ATM machines. Customer service told me the machines are US BANKS. 
I have called twice to the branch and ATM and nothing has been done. It is NOW XX/XX/XXXX. 5 days of collecting money and interest off OUR money we didn't receive. The branch managers excuse was because of COVID 19, the machines had been overused. 
The drive through ATM at this location only allowed you to deposit money NO WITHDRAWALS.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report with Equifax. checking my file ive noticed alot of inaccurate information that needs to be removed. review the files an clear my credit report asap.
Consumer complaint received 2022-03-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (VA)

I am not liable for this debt with XXXX UNIVERSITY and do not have a contract with ACCOUNT CONTROL TECHNOLOGY. I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX  ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FIN SVC with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXXI Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX XXXX Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened  XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX am looking at filing a lawsuit against this company if it doesnt address the issues at hand.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

TERRIBLE! Experien is TERRIBLE! 12 phone calls, to 9 different numbers, over the course of an hour!!!!! On hold, got a real human, then on hold again! Phone system disconnects you too ... 

I called the number on their website and it doesn't work. I called the number on my credit report, and it doesn't ; t work. 

I filed a dispute online, BIT some of the items that I need to dispute are not able to be filed online!?!?! 

XXXX????? 

How am I supposed to resolve things?
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Requested from XXXX XXXX XXXX exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (WA)

I received a letter in the mail dated XX/XX/2021 from Synergetic Communication , Inc., stating that I owed {$1800.00} to a client with the name " XXXXXXXX XXXX '', and that the amount had been placed for collection. I have zero knowledge of this whatsoever, and have never had an account with " XXXXXXXX XXXX ''. The letter goes on to state that this alleged " debt '' is too old to be the basis of a lawsuit against me as the statute of limitations has expired. 

I have also received threatening phone calls, though the person on the line never gives the name of the company, stating that I owe money to a collection agency. These calls have even targeted my family members. I suspect these calls to also have come from Synergetic Communication , Inc.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent my detailed dispute to this company on XX/XX/XXXX with clear instruction on whats derogatory and needed deletion from my credit report. But to my surprise, this company neither investigated nor did they delete anything from what was erroneous from my report. This letter is a direct notification that I need this frivolous account removed from my reports. 
Attached here with is the dispute letter I sent to this company earlier. For yet another time, these accounts are frivolous and I need to be removed from my report asap : XXXX XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$10000.00} XXXX Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$13000.00} XXXX   Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$9000.00} XXXX XXXX/XXXX  Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$11000.00}. 
XXXX XXXX XXXX XXXX  ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance XXXX XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account XXXX XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$2600.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date XXXX XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} XXXX XXXX XXXX XXXX ; Account # XXXX ; Date Opened XX/XX/XXXX ; Original Balance {$4000.00} I am looking at filing a law suit against this company if it doesnt address the issues at hand.
Consumer complaint received 2019-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

This is in regard to the collection agency Eastern Account Systems, XXXX XXXX XXXX, XXXX, Ct, XXXX. My husband passed away in XX/XX/XXXX. In his files I found a notice addressed to him from EAS dated XX/XX/XXXX regarding a balance due to XXXX XXXX XXXX in XXXX, NY. I called the hospital 's patients accounts department, they told me that : the balance was paid at the time of service, they do not use EAS as their collection agency. I sent EAS a  certified letter stating this information, citing the Fair Debt Collection Practices Act, and told them not to contact me again. In XX/XX/XXXX I got another notice from EAS stating that our son showed a balance due to the same hospital. I called the hospital and was told they did not use EAS as the collection agency. I was routed to the agency they do use and was told there was a XXXX balance on the account. I wrote a letter same as outlined above. In XX/XX/XXXX, I received a third notice from EAS stating that my husband showed a balance due to the same hospital -- this time I did not bother communicating with them. EAS uses unscrupulous methods to try to get payment for debts not owed.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-01-17
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: CITIBANK, N.A. (MA)

I was charged an unrecognizable amount of {$320.00} on XX/XX/18 by an unrecognizable merchant. ( XXXX XXXX   ). I than cancelled the card and it went in as a fraudulent charge and was credited back to my account on XX/XX/18. Afterwards I realized who the merchant was and was charged the correct amount of {$210.00} on XX/XX/18 by recognizable merchant XXXX XXXX. Than for some reason the charge of {$320.00} went through on XX/XX/18 which I thought was permanently credited to my account but come to find out was only temporarily removed from my account. The credit card company ( CITI-VISA ) states they cant dispute this charge since it was filed as fraudulent and since Ive since used this merchant it can no longer be considered a wrong charge and cant be disputed. But it is a wrong charge. Credit card company suggests I work it out with the merchant which I have been trying to do since the beginning of XX/XX/XXXX. I have been wrongly charged twice for one procedure. Any help in resolving this issue will be greatly appreciated.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report please remove / delete the the following : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2019-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

This is a complaint from XXXX XXXX against Midland Credit Management for Midlands failure to provide requested information for the debt alleged. Midland has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, XXXX responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by XXXX. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2018-09-06
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. (NY)

My information was stolen during a burglary in XX/XX/2016 at my home, while I was overseas as a student. As a result my information was fraudulently used to open a number of accounts. This has caused a significant amount of stress as these accounts are reporting to my credit.
Consumer complaint received 2021-08-18
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 (PA)

the following accounts appear on my credit report, without any authorization, they are not mine. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX SVCS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

the following accounts appear on my credit report, without any authorization, they are not mine. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.