davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Litigation for fraud filed against XXXX approx 6 months ago. Around this time XXXX XXXX refused a phone payment stating account holder " is in litigation ''. Then XXXX XXXX stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with XXXX XXXX. Account XXXX requested several times a copy of statement and asked for account status in past 6 months calling in to XXXX 's customer service line. XXXX never informed of any account status or balance and never sent statements. XXXX XXXX has reported account holder30, 60 and 90 days late to Experian and account holder believes XXXX XXXX and Experian violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from XXXX XXXX in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. Experian has been made aware of the situation and continues to report the delinquency.
Consumer complaint received 2022-07-11
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Credit limit : {$700.00} ), XXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX Credit limit : {$250.00} ), XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$250.00} ), XXXX XXXX Account Number : XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX  ( Account Number : XXXX, Date Opened XX/XX/XXXX, High Balance {$2000.00}, Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX  ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (NY)

XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LAST FOUR : XXXX XX/XX/2018 AD Astra Recovery Servic XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Ks XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 
Name of Account : Provide Physical Proof AD Astra Recovery servic, FOR THE AMOUNT OF : {$620.00}
Consumer complaint received 2022-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one/ Venture Credit card makes it all but impossible to dispute an unauthorized charge that I disputed. The ability to get them documents has been INTENTIONALLY unfixed for at least 2 years. There's is NO WAY to go to the website to view their secure communication without them first sending you a link to it. 
I had to been erroneously put into quarantine by XXXX XXXXXXXX XXXX, which they said they would pay for. I was charged for an illegal detainment on in their XXXX for 5 days ( could have been 5 more days ) {$1200.00} on XX/XX/XXXX. The only notification of the infestation was the email and txt the investigation. I found it strange that this was the ONLY response I got on the dispute, was after it was too late to respond, on XX/XX/XXXX. Their website, according to another further customer on XXXX writes, it has not been able to UPLOAD ANY DOCUMENTS FOR 2 YEARS. I can prove this creme status, because I am a XXXX XXXX and this would be a known and easy issue to fix. 

After this, I closed my card until this can be settled but there is still a balance with that company.
Consumer complaint received 2018-10-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (TX)

I started new employment on XX/XX/XXXX. The first day was great, I met many people and they all were friendly and offered any information I needed to start with the company. The second day there were a few men walking around the hallway to the office building and then started to get angry people who would not look at me in the office. I realized these men were talking to the people in my new office. Within a week the employer had a meeting introducing a collection agency as a preferred vendor. The company had given the collection agency, XXXX XXXX, a list of all the managers clients to call, to sell their collections process. The business card we were given has a phone number : XXXX and a website : XXXX. The account representative was : XXXX XXXX, phone:XXXX, email : XXXX and no address. The new coworkers were now not even looking at me. Very few were even talking to me. On XX/XX/XXXX I received an email from my brother in California who is a XXXX XXXX XXXX XXXX XXXX XXXX ( retired 20 yr veteran XXXX ). He said every five years they do a check on him which includes his family. XXXX XXXX XXXX XXXX XXXX is the agency name. They came and used the office in the building across the hall from my office. They were in and out of the back office door wearing black pants and shirts with long hair, driving big black cars. Prior to the gov agency, It also appeared they had some sort of video in my apartment because there was reaction to everything I did and said. When I started to write this complaint on Tuesday night, several cars left the parking lot of my apartment community. It seems the people in my office are much better, at least will speak to me. It seems quiet now, I think most of them have left. Back in XX/XX/2018, my personal bank account was compromised. Someone had the debit card number and withdrew over {$900.00} from my bank account between XXXX and XXXX, the funny thing was the ATM withdrawals were from my own bank and Wells Fargo bank ATM 's. The account I have in collection is with Wells Fargo which I do not have an account number for as it was changed by them when put in collection. I was receiving phone calls at my previous employment where the ID on the phone showed : XXXX and XXXX. Most of the time is was a silent call, sometimes it was for LIFE insurance. These people did the same thing as far as telling everyone around me something to get everyone to hate.
Consumer complaint received 2022-07-11
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 instruction.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

On or about XX/XX/XXXX I contacted LVNV Funding LLC, to dispute a debt they are reporting for XXXX XXXX. I am in formed them of my name : XXXX XXXX and also gave them my social and offered to submit ID and social security verification as an individual names XXXX has been using my social security number. When I called I was harassed by an individual name that XXXX who said that because the name that I provided did not match with the name on the account that she could not give me any information or take any steps to remove my information from my credit bureau. I explained to her that the reason that my name does not match his because this person took out credit with my social security number fraudulently and refused to take any steps. I requested a supervisor and I was placed on an eternal hold. this has been going on for 2 years. I put a lot of effort to clean up my credit so far have been successful with the exception of this particular agency. I feel that their misreporting and their refusal to address consumer disputes is in violation of the Fair credit reporting act.
Consumer complaint received 2017-06-23
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. (TX)

Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.
Consumer complaint received 2018-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

For my Bank of America XXXX credit card, I scheduled payment on the XX/XX/XXXX due date from my BoA checking. And I deposit the check which has enough amount to cover the bill pay. And BoA bill pay allows me to pay the credit card remaining balance on XX/XX/XXXX. And the guaranteed deliver date is XX/XX/XXXX ( confirmation # XXXX, I kept screenshot ). And the bill pay system never gave me any notice for 3 days!!! Then tell me the bill pay fails. And BoA starts charge me the interest charge which is really really disappointing. And later I notice that BoA system does not allow people bill pay amount larger than the balance in the checking. If I know it fails I can try ways to pay the credit card on time.
Consumer complaint received 2022-07-11
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 instruction.
Consumer complaint received 2023-03-20
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of these negative items are as follows : XXXX XXXX XXXXXXXX - Case Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately. 

The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately. 

XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay. 

I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I contacted TransUnion and XXXX  multiple times about them Reporting incorrect information on my personal Credit report. I summit documents and Certified letters asking TransUnion and XXXX to provide Valid information on the Investigation of Incorrect information on my personal credit report, I asked for manner as to how this accounts were verified, who verified and for proof that these accounts belong to me, and TransUnion and XXXX failed to proved information that the Law ( FCRA ) specified.
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-03-20
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/202XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-07-25
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. (TX)

The credit bureaus stated my account was properly investigated, but how is that possible if they're inaccuracies? The Date Last Active is inaccurate, and Date Last Reported is inaccurate. The Credit Type is inaccurate, The Account Status is inaccurate, The Payment Status is inaccurate, The Late Payment Status is inaccurate, and the Account type is inaccurate. This is grounds for removal in addition to violating my rights under : 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 an account without my written instruction.
Consumer complaint received 2022-03-12
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: JPMORGAN CHASE & CO. (TX)

Hello, I have had credit cards with Chase bank for many years and never had a problem. For security reasons, I have always had automated services for every single charge in my credit cards. 

On XX/XX/XXXX at XXXX XXXX, i received an automated text message inquiring if a charge of {$7700.00} was processed. I immediately answered NO and declined the transaction. Following, I went to the online site and disputed the charges. The Merchant was " XXXX XXXX  ''. I did not know if it was a real company or not. I asked for a new card. 

2 months later, I saw the balance back in my account. I was very surprised and called Chase. They stated their investigations confirmed that was an approved transaction. I was impressed as I had rejected it since the very beginning and disputed it. I appealed. They asked me to call the Merchant. The Merchant did not recognize me or any family member. We were not registered in their database and did not want to see the specific transaction on the date or time. They can not find a confirmation. 

Now, chase is asking me to pay.
Consumer complaint received 2021-05-10
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. (WI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (AZ)

Telephoned the collection agency in XX/XX/2018 and disputed the debt. Did not accept that I do not owe this debt. Have no idea why they are charging me and now it is on my credit reports.Just mailed out a certified letter asking for them to show me proof of the charges
Consumer complaint received 2022-07-11
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. (IL)

In accordance to the fair credit reporting act XXXX  XXXX of XXXX XXXX XXXX account # XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions