davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

Accident case # XXXX Badge # XXXX XXXX XXXX lost prevention released charges when car obtained XXXX case # XXXX for report for charge Notified XXXX follow up car XX/XX/XXXX spoke with XXXX ticket # XXXX Returned key on XX/XX/XXXX day of car returnable started accident/incident report in office with worker and he was to fax paperwork in for me XXXX claim # - XXXX XXXX XXXX XXXX department XXXX * XX/XX/XXXX called, incident and impound report # XXXX XX/XX/XXXX spoke with XXXX XXXX  rep # XXXX XX/XX/XXXX spoke with XXXX XXXX rep and he stated the car is not showing as returned case # XXXX escalation and conversation with customer service XX/XX/XXXX billed by XXXX XXXX, XXXX XXXX denied charges spoke with XXXX about the charge XXXX gave me XXXX  reference number for issue # XXXX XXXX supervisor XX/XX/XXXX case # XXXX XXXX Supervisor XX/XX/XXXX drop off date on XXXX  reference number # XXXX XX/XX/XXXX XXXX  charged XXXX on my credit card disputed with XXXX XXXXXXXX, notified XXXX of this charge The XXXX charge is for 5 weeks of having the car miles show only drove XXXX miles XX/XX/XXXX -- XXXX rep customer service billing on phone with XXXX XXXX states I am being charged because the car was impounded ( it was not ) XXXX supervisor at XXXX is saying they are billing me impound fees -- case number # XXXX opened by XXXX supervisor to stop sending request of payments from me. 
Going forward my insurance closed the payments needed for the coverage I had through XXXX and I received a bill in the mail XX/XX/XXXX for XXXX which included my deductible of {$750.00} which payments were set up through XXXX, which a payment plan has been initiated with a downpayment and auto payments set up. 
I just received a bill from XXXX  on XXXX XXXX dated but received XX/XX/XXXX at the same times received a collections notice for the amount of {$4400.00} which if you previously see I spoke with someone and the case number referenced # XXXX initated for a XXXX  supervisor to stop sending request for this amount, which is now through collections which is why I am contacting you because on the back of it says to contact XXXX if any issues Kindly, XXXX XXXX
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (KY)

I called the XXXX XXXX XXXX with another finance company on a 3 way call the week of XXXX XXXX. We asked for a payoff balance with a 7 day accumulation. I was given a balance of {$1100.00} which XXXX XXXX XXXX sent and XXXX on XXXX XXXX. The week of XXXX XXXX, I received a payment receipt stating that I had a remaining balance of {$560.00} and that the payment submitted did not pay off my account. I called and spoke with the branch manager of the XXXX XXXX location on XXXX XXXX at XXXX XXXX est. I explained the situation to her and she stated she has no record of anyone in the office giving me this information an does not know how we came up with that calculation to pay. She also proceeded to rudely explain to me how interest is accrued and stated that I should know the amount of my loan and what I 've paid thus far. I asked if she was going to investigate who gave me the mis-information and she stated she would " handle her business ''. I asked if there was a way I could file a complaint and she gave me the regional manager number XXXX XXXX and falsely told me that he was in XXXX. I spoke with XXXX XXXX at XXXX and explained the situation to him and he also stated the remaining balance and said if their was some kind of record of the call where I was giving the wrong pay off balance or notes he could reference maybe he could do something but until then there was n't anything he could do for me. I reached out to XXXX XXXX at XXXX XXXX XXXX to see if the call was recorded from when we received the pay off balance and it was not. He did state XXXX from XXXX called him and said that we were given the wrong pay off balance and that I still had a balance on the account. At that time XXXX XXXX explained to her there was nothing he could do about that. I called XXXX XXXX back and gave him this new information. He again stated there was n't anything he could do for me, and all I could do from here was file a complaint with their audit company.
Consumer complaint received 2020-08-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2020-08-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

ARS Account Resolution is a debt collector attempting to collect upon a fraudulent account. In XX/XX/XXXX they reported this debt to the credit bureaus. No notice was given of purchase. No notice was given of my consumer rights in violation of the FDCPA and FCRA. 
XX/XX/XXXX I sent them a 93A Demand Notice via certified mail requesting validation of their claim and immediate removal of the account from my credit report. Under " Massachusetts General Laws 209 CMR 18.17 : Unfair Practices : A debt collector may not use unconscionable means to collect or attempt to collect any debt ... ( 11 ) For a debt collector to report to a consumer agency on its transactions or experiences with a debtor in the debt collector 's name. '' They failed to reply whatsoever. I disputed this account with the bureaus. ARS claimed validation yet none was received in violation of the FCRA. 
In XX/XX/XXXX I sent them a second 93A Demand notice via certified mail. They failed to reply again. 
In XX/XX/XXXX I sent a third and final 93A Demand notice via certified mail. Again no reply. 
I am asking for immediate removal of this account from my credit reports and investigation into this company for fraud.
Consumer complaint received 2023-06-23
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2018 I tried to make deposit at Citibank ATM at XXXX XXXX XXXX, NY, XXXX. 
Unfortunately I got error message and ATM caught my two checks ( one on {$1200.00}, second on {$1000.00} ) without any deposit on my account. Same day i called customer service and asked about investigation and provisional credit. Two weeks later I got {$2200.00} deposit ( provisional credit ) from Citibank. After two months constant calling to customer service and asking what is status of investigation they told me they can not find second check ( on {$1000.00} ) and they will close the case. I requested to reopen the case and investigate it once again. Three weeks later i received letter they didn't find a check on {$940.00}?????!!. I have no clue from where they got this amount but it wasn't from me, neither from real checks. I called once again a Citibank customer service asked what happened with investigators and investigation, why they are looking for check which doesn't exists. More over I was telling them from beginning how many checks and what is amount of the checks. There was no apology or any intention to resolve a problem. Citibank feels like king. They don't care about customers at all. 
Thank you,
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MN)

Chase has been discriminating me in new credit line approvals and credit line increased because I am XXXX by falsely reporting a charge off that is not longer on my credit report and claiming it is information from a credit bureau. Forcing no coercing me to open bank accounts with them as a means of increasing or approving credit. This is unethical as this claimed delinquency or charge off is not on XXXX as claimed and the lender nd has been used as a tool to limit me as a consumer
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE XXXX Account # XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX HOWEVER I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THIS LATE
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.
Consumer complaint received 2023-06-23
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; 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 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 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 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 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 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
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION  COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I HAVE A Maximum Delinquency of 120 days in XX/XX/2012 for {$8600.00} and in XXXX AND I WAS NEVER LATE PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENTS OFF XXXX XXXX XXXX XXXX XXXX  ACCOUN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT STATES I HAVE A >Maximum Delinquency of 30 days in XXXX HOWEVER I WAS NEVER LATE ON THIS ACCOUNT
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kansas Counselors, Inc. (TX)

XX/XX/2022 at XXXX Kansas Counselors XXXX called my workplace and left voicemails inquiring about my name. I have never once listed this number on anything medical or financial related, so not sure how it was obtained. This is not the first time they have called.
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I began tenancy at the XXXX XXXX  XXXX on XX/XX/XXXX. They quoted me one price and when I arrived to move in changed the price by over {$60.00} which I could not afford but did not have anywhere to go with my things loaded on the moving truck. I paid a prorated the month of XXXX as shown on my payment register. I also paid a security deposit of {$99.00} as shown as well. They discounted rent the first full month of XXXX. I paid rent and utilities every month. Rent amount was {$1800.00} and utilities varied each month. I gave 60 days notice in XX/XX/XXXX. They slipped a statement under my door indicating the amount I would owe in the month of XX/XX/XXXX when I was vacating. I paid the amount stated which was prorated plus utilities to ensure I was clear. A few days after my departure they sent me a notice indicating that I owed them {$470.00}. They confiscated my {$99.00} security deposit and placed the rest on my credit report. I contested because I gave timely notice, and they provided me with a statement of the amount that I would owe and I paid it. I departed on XXXX XXXX, XXXX. The apartment was left in good condition as was received. I tried to contact the Regional Manager who refused to fix the problem or accept responsibility for her unprofessional staff. I later took them to court. They could not provide any documentation but I could but the judge sided with them because they had an attorney. I have the documentation attached. All efforts have been made to clear this wrongful charge so I am asking CFPB for your assistance to get removed from my credit file. I
Consumer complaint received 2021-03-06
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: Experian Information Solutions Inc. (CA)

Good afternoon, I'm reaching out again today to follow up on an ongoing dispute that I've had with Experian. Late last year, unfortunately I became a victim of identity theft and had most of my information renewed because of the matter. I also had filed a police report for this for preventative measures in the future and for receipt. I've already notified the bureaus such as XXXX and XXXX about this circumstance and were quick to resolve the accounts in question that reflect the unverified item labeled XXXX. I've already filed disputes to all 3 bureaus, but it seems that Experian is still not removing this item despite the fact and also that the rest of the bureaus have confirmed that these items are unverified. I hope that CFPB can finally step into this matter. Please let me know if you have any additional questions about this. 

Thank you! 

Best,