davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX   Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX Circuit Court, Sept 2004.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, Experian or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-04-11
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. (AZ)

Dear XXXXXXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( XXXX, XXXX, and Equifax ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( XXXX, XXXX, and Equifax ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( XXXX, XXXX, and Equifax ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you
Consumer complaint received 2021-12-06
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX 2021
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

XXXX XXXX  XXXX XXXX XXXX CT XXXX OH XXXX XXXX : Notice for Proof of Claim Account : NATIONAL CREDIT SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of  indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you  send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NJ)

The facts are as follows ( 1. ) I opened a Blue Business Plus Credit Card ( Last 5 digits - XXXX ) in XX/XX/2019. I opened this credit card in order to take advantage of the introductory 0 % APR offer. 
( 2. ) My first statement was XX/XX/2019 which required a minimum payment of {$42.00} by XX/XX/XXXX in order to keep my promotional rate. 
( 3. ) My checking account was hacked while I was abroad for my birthday in XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and therefore I was unable to make the payment. 
( 4. ) I called American Express in XX/XX/XXXX to explain the situation and reinstate the introductory rate. The customer service representative was unable to refund the fee but confirmed that he was able to reinstate the rate. 
( 5. ) Throughout the summer, I carried a balance on the card, assuming the 0 % interest rate was in effect. 
( 6. ) On XX/XX/2019, I saw that I have been charged {$810.00} ( see attached ) in interest for the last 3 months and immediately called American Express. The agent told me that the promotional rate was never reinstated and therefore I was charged the interest. When I asked for the account credit for the mix-up which was the fault of Amex, I was denied because there was never a request put in to reinstate the promotional balance. 

This is a clear bait and switch. Its an unethical con where the firm tell 's consumers that a 0 % APR is in effect, and then charges them a predatory interest rate of 22 % because it increases the bottom line. The firm purposely tells its agents to mislead consumers so that it can profit off of them.
Consumer complaint received 2018-03-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (ND)

Back in XX/XX/XXXX I was received a phone call from Transworld Systems stating I owed on an old auto insurance policy with the company I still have insurance with. They claimed to have sent me letters to an address I had lived at 5 years prior. The lady wanted me to pay over the phone and I told her I dont give my credit card out over the phone as Ive had my info stolen before doing such. I told her to send me a bill and I would send them a certified check. A month later I received a letter explaining the debt I owed but no way to send them a payment. I tried going on their website to pay the debt but that didnt work either and so I sent them an email asking for a registration code to get on their website. Finally on XX/XX/XXXX about 2 months after sending that email I finally got a letter with the registration code to log on their website. Tried using the code and it didnt work.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

: From XXXX I asked three credit bureaus XXXX, TransUnion, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the credit report.
Consumer complaint received 2019-08-27
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. (AZ)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$2100.00} on the XXXX XXXX   XXXX XXXX XXXX partial account number XXXX. ( Please see page 17 attached from my credit report. ) I met with the apartment complex manager and I was granted permission to be released from the lease. I had to move from the apartment due to health issues. The apartment manager asked that I leave the apartment in immaculate condition, which I did, so that they could advertise and rent the unit as soon as possible. They were able to rent the unit immediately. I did not sign an agreement to pay them anything. There was no contact whatsoever from the apartment complex until ( 6 ) years later! I believe this collection to be fraudulent and this incorrect reporting of a collection is harming my credit score. These line items need to be removed. I have contacted the ( 2 ) bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-12-06
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Been trying to speak to credit bureaus to dispute portfolio recovery but they say they verify its mine. They can not verify its mine because its not. Now I get phone calls and bill letters to pay them XXXX or I go to a Court Trail near my Residence. I have reported this Company twice to your branch and I still have gotten no were. Please have this Company verify me or remove this XXXX from my credit reports. Thank you
Consumer complaint received 2021-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-08-27
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: ERC (MI)

On XX/XX/2019 a Certified letter was created and sent to XXXX Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named Enhanced Recovery for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that XXXX is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to Enhanced Recovery demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from Enhanced Recovery. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from XXXX informing me that the company ( enhanced recovery ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to XXXX and my dispute remains unchanged This is NOT what I requested from either XXXX or Enhanced Recovery. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by Experian for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX   account # XXXX
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IN)

I was scammed by a phone call pretending to be electric company and immediately reported the incident to my bank. My bank claimed that even though the payment was still " pending '', they could not stop the transaction. 
Date : XX/XX/22 Amount : XXXX
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are two delinquent charge off accounts on my XXXX and Transunion credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to XXXX and transunion that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 days.
Consumer complaint received 2021-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

On XX/XX/2021 a Tax Disbursement was made to the incorrect property in the amount of {$2200.00}. After receiving a letter in the mail stating my property taxes were not paid I reached out to LakeView to find out what happened. I was informed that the incorrect taxes were paid. Instead of refunding my escrow the original amount they then pulled another {$1100.00} from the escrow account. I have contacted the company multiple times from XXXX to now XXXX. Those that assist see that its not right and {$2200.00} should be refunded to escrow and thats as far as it goes. I got the same answer from management. Nothing has been refunded to this day. I need the {$2200.00} refunded to my escrow account.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (TX)

I had received a promotion in the mail from Chase offering {$500.00} to open a checking and savings account with the exception of having XXXX in savings and direct deposit in checking ( {$25.00} ) in which i followed through and provided a check in the amount of {$15000.00}. ( XX/XX/2018 ) The account was set up at Chase ( XXXX XXXX ) XXXX Texas location and was given a direct deposit slip to provide to my employer. A few days later I receive a letter stating they would be closing my accounts so I went to the branch office and spoke with the branch manager ( XXXX XXXX. XXXX XXXX he called Chase to see the reasoning behind the issue and stated they do not have to give an explanation or reason as to why they have chosen to close the account. This has made me very upset and feel as if they have provided false advertisement and misleading.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

On XX/XX/XXXX I deposited {$870.00} into the Navy Federal ATM in XXXX XXXX, Wa. Once the cash was deposited, a screen came up saying transaction canceled. My funds were neither deposited or returned to me. I contacted Navy Federal immediately, again on XXXX, and again on XX/XX/XXXX with no resolution. The agent on XXXX said they had the timestamp of the transaction. I also stated to them that these ATMs have cameras, provided the exact # of bills and denomination types, my physical features and features of the car I was in as it was a drive up ATM. It is unacceptable to not have this resolved. The agent on XXXX stated the responsibility was on the branch but refused to connect me with the branch. ( This branch is the XXXX branch, a XXXX hour round trip ) and the drive up ATM is a standalone ATM. I would like these funds deposited to my account today.
Consumer complaint received 2021-12-06
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.