davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
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)

I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

BJS CREDIT CARD WHICH IS NOW XXXX  XXXX : I AM DISPUTING THE CASH ADVANCE BALANCE TRANSFER FEE OF {$150.00} PLUS ANY LATE FEES AND/OR INTEREST CHARGED TO MY ACCOUNT. THE BALANCE TRANSFER REQUEST WAS NOT HANDLED IN A REASONABLE TIME FRAME. THIS FORCED ME TO OBTAIN ANOTHER LENDING SOURCE TO PAYOFF MY XXXX XXXX  ON TIME. DOZENS OF MESSAGES AND PHONE CALLS WERE MADE TO CUSTOMER SERVICE AND TO SUPERVISORS IN THE BALANCE TRANSFER DEPT. WHICH PROVIDED NO REASON AS TO WHY THIS TRANSFER TOOK 8 WEEKS TO COMPLETE. SINCE THE BALANCE TRANSFER WAS NEEDED TO AVOID ANY INTEREST ON MY XXXX XXXX, I OBTAINED ANOTHER LENDING SOURCE. THE SECOND LENDER APPROVED MY BALANCE TRANSFER REQUEST AND SENT THE MONEY TO MY XXXX XXXX. BJ 'S BALANCE TRANSFER STILL HAD NOT GONE THROUGH AT THAT POINT. WHEN IT FINALLY DID GO THROUGH, MY ACCOUNT AT XXXX WAS ALREADY PAID IN FULL, SO I PAID BACK THEIR TRANSFER IMMEDIATELY IN THE AMOUNT OF {$5300.00}. SINCE BJ 'S BALANCE TRANSFER MONEY WAS RETURNED, THERE WAS NO REASON TO CHARGE A FEE, ESPECIALLY DUE TO THE LENGTH OF TIME FOR THE TRANSACTION TO COMPLETE. I HAVE NO INTENTION OF PAYING A FEE TO BJ 'S FOR SERVICES THAT WERE NOT PROPERLY HANDLED. I HAVE REQUESTED MANY TIMES FOR BJ 'S TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$150.00} PLUS LATE FEES AND THEY HAVE IGNORED MY REQUESTS. THIS ACCOUNT HAS BEEN FLAGGED ON MY CREDIT REPORT AT XXXX XXXX AND OTHER CREDIT BUREAUS AND IS DAMAGING MY GOOD CREDIT. I HAVE ADDED A CONSUMER STATEMENT REFERRING TO THIS ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HAD A LATE PAYMENT TO THIS COMPANY IN ALL THE YEARS I WAS A MEMBER. 
THIS BJ 'S ACCOUNT HAS NOW BEEN TRANSFERRED TO XXXX  XXXX.
Consumer complaint received 2021-04-13
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: BARCLAYS BANK DELAWARE (SC)

A duplicate charge was made on my account on XX/XX/XXXX by XXXX XXXX in the amount of {$44.00}. I contacted the local XXXX store and they informed me that because it was purchased online, I needed to contact my credit card company. 
I have contacted XXXX XXXX XXXX Mastercard on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I was told to submit dispute online, which I did. Then I was given a phone number for the Purchase Dispute Dept. which I called. I was also, told I would get an email, which I did not. 
I requested today ( XX/XX/XXXX ) to speak to a manager and was told by 2 different people that a manager would return my call in 24-48 hours and then I was told 7-10 business days. 
I am not receiving consistent information and the company is not making ANY progress to the resolution.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit XXXX XXXX XXXX this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized XXXX of XXXX XXXX, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2021-04-13
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. (IL)

I have requested the following companies to validate their claim that I owe them and they have failed. I am not aware of any agreement that exists between myself and these companies. Please remove these accounts from my credit reports XXXX {$790.00} act XXXX XXXX XXXX {$470.00} act XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To whom is may concern : I XXXX XXXX have been a credit card holder of capital one for at least 5 years. Starting XX/XX/XXXX someone has been trying to steal my identity. Someone would call into Capital One customer service and change my address request new/replacement credit cards be sent out to them. We are XX/XX/XXXX and this is continuing to happen right now today over a course of 4 months. Capital One has failed to meet the satisfaction of a customer by proctecting a customer from such indents and to keep such indents from occurring. Each call the fraudster has made they have been Successful at getting my address changed and replacement credit cards mailed out to them. Despite all measurements I have taking diespite all measurements Captial One has taking with noting my account and placing restrictions on my account. By the time I have changed everything back to my information and I have received my new cards only to have them canceled and the fraudster having other cards mailed out to them. I have placed fraud alerts in my credit files I have all credit files frozen and locked. But so some reason the fraudster is still able to gain access to capital one and get my information changed and new/replacement cards mailed out to them. Capital One has failed to keep a customer information safe and secure. Capital One does not take this matter seriously. And are continuing to put my information at risk by allowing this to continue. Despite telling me my account is heavily noted and nothing can be changed or requested without doing a extensive verification check to confirm identity.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

My XXXX score dropped 25 points due to Navient reporting my account as closed. Per my XXXX credit score, it was reported XX/XX/18. When I checked my score XX/XX/18 is when I noticed it had dropped. My loan in currently deferred, so it should not show as closed, as that is inaccurate reporting.When I check XXXX XXXX, which using a different scoring module, it shows open, as it should. I have called Navient and was told they " have nothing to do with that ''
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

This is not my first time having significant issues with this mortgage company. 
I recently made several major extra principal-only payments toward my loan. Still, the mortgage company did not apply them correctly and did not address numerous e-mails regarding this issue I sent to them using their own secure messaging system. Furthermore, they refuse to provide me their physical address only a po box so there is no way I can serve them or send them registered certified mail. 
I need your help as my first communication with them was over XXXX weeks ago and there is a monetary dispute of over {$5000.00} they refuse to address.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX and AR XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. Thank you.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

HRRG calls repeatedly, several times an hour, but spoof their calls. Calls look like they're being placed by XXXX XXXX, XXXX, XXXX, XXXX, XXXX, etc ... .. 
If you want me to pick up the phone, you may want to be honest about where your calling from.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (WI)

I have an account with TD Retail Card Services for my XXXX account. The account was setup for Auto Pay to pay from by bank account, but it seems that the auto-pay gets cancelled frequently if the payment against a purchase is complete and the company then charges late fees and negative credit reporting. Calling the Card company multiple times does not help as they give the same run around. If the account is checked it shows as the Auto Pay is setup and the only time when you are aware that the auto pay does not work is when the late fees are charged against the account. When the auto pay is being setup it is never stated that the auto pay gets cancelled if the payment against a purchase is made and we need to setup the auto pay again
Consumer complaint received 2022-08-27
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: Consumer Portfolio Services, Inc. (AZ)

in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Federal Credit Control, Inc. (OH)

The debt collector, First Federal Credit Control , XXXX, repeatedly called using different telephone numbers and did not leave a message. When I called back the numbers the party that answered did not identify themselves as a debt collector until I gave them my name, then kept demanding personal information. I received a notice from First Federal Credit Control on XX/XX/19 regarding an alleged debt vaguely identified as University XXXX XXXX XXXX, account # XXXX. On XX/XX/19 I sent a letter to the collection agency requesting information to identify the original creditor, a copy of the last billing statement, and the authority of the collection agency to collect the debt. I also requested that the debt be treated as in dispute until I received the information requested. To date, I have not received a any information. Last week I noticed that the alleged debt had been reported to a credit reporting agency without being reported as in dispute. On XX/XX/19 I sent a letter to the collection agency instructing them to immediately remove the collection notice from any credit reporting agency to which it reported it. I also instructed the collection agency to cease all communication until they provided the information I requested, including any information required under the Fair Debt Collection Practices Act. I have noticed that the collection agency used the same account number for this alleged debt as they did with different alleged debt that is also in dispute. I have filed a complaint with the credit reporting agency.
Consumer complaint received 2021-04-13
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. (TX)

fcra violatons : remove not mine XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX - LIVES XXXX XXXX XXXX, TX XXXX SINGLE FAMILY PO BOX XXXX XXXX, TX XXXX POST OFFICE BOX
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

The checking account I have is with J.P Chase Morgan Bank. Here is a timeline of what exactly has happened over the past few weeks. 
XX/XX/XXXX around XXXX - I had arrived at the XXXX train station in downtown XXXX . I had a decent amount of cash on me and I saw a Chase ATM so I decided to deposit it into my account since I don't normally carry cash on me. I walk up to the ATM, take out the cash from my wallet, and the proceed to count it to make sure the ATM would correctly count it as well. I confirm it is XXXX dollars. I then proceed to insert the money into the ATM. I can hear it counting it from the outside and then the ATM displays the amount asking if it is correct. I look and see that it is, so I hit confirm. After I hit confirm, the screen displays the message " I'm sorry but this ATM is no longer in use, please remove card ''. It releases my card and I take it out. Waiting there for my money to get sent back out, it doesn't. I wait about 2 or 3 minutes and then begin to panic because that was all of the money I had. I go on my phone to check my account to see if it was deposited and I still only had XXXX dollars in it. I got no receipt and an ATM had stolen my money. I then scan the ATM for a number to call which was the service number. I call immediately to let them know. I filed a claim and was then told it would take up to 14 business days to even get a credit for the money that their faulty machine stole. 
XX/XX/XXXX - I had finally received the credit of XXXX dollars into my account. 
XX/XX/XXXX - I receive a letter in the mail stating that my claim was closed and that there was no money deposited from me at that ATM that day. Furious, I call the number on the letter asking why. Basically was accused of lying. I then asked if they looked at the cameras on the ATM because it would show me clear as day counting money, depositing it, and then freaking out after it stole it. I was told they don't look into ATM videos for claims and that I would need to subpoena the video in court. So now it is XX/XX/XXXX and they are soon about to yet again steal XXXX dollars from me all because they can't click a few buttons and watch a video. I will also have to hire a lawyer and take this to small claims court to get what was rightfully mine in the first place. This is theft and stress that I shouldn't even have. I have bills to pay and money is not something to be played with.
Consumer complaint received 2018-08-24
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft, on XX/XX/2018, I presented a dispute to the 3 major credit reporting agencies via mail of accounts on my personal credit that I never benefited from nor authorized, yet after 3 calendar months I have received nothing in resolve.
Consumer complaint received 2023-07-25
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
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. (PA)

Ive made contact with XXXX, Equifax and XXXX  and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.