davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/19, I closed an account with XXXX XXXX XXXX after being notified of monthly fees that would start with account after qualifications were no longer met for credit for said fees. I followed the instructions/procedures to close the account and prevent said monthly fees to be billed. 

The monthly fees were billed despite my efforts and a late payment has been on record since. I have attempted to resolve the error verbally with XXXX XXXX XXXX by contacting their Customer Service directly and through Experian dispute channels, but no update or acknowledgement has been furnished.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOGICOLL, LLC (KY)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Logicoll , LLC for committing identity theft. I have never given Logicoll , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Logicoll , LLC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced and Logicoll , LLC continue its collection efforts, I will file for litigation for actual damages caused and Logicoll , LLC will be held criminally liable for aggravated identify theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of these documents herein and of its notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-07-19
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. (IA)

On XX/XX/2021, the attached letter was sent to TransUnion. The letter indicates a dispute which has since been resolved with the original creditor and a request for a freeze. On XX/XX/2021, an inquiry appeared on my TransUnion report despite my request for a freeze and sufficient verification. TransUnion has violated FCRA by not honoring my freeze request when XXXX  and XXXX did.
Consumer complaint received 2020-08-01
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: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX I saw a new credit card in my online banking with Chase that I did not apply for. I called Chase immediately and they told me it had been opened that day via online. They took a fraud claim and advised me the account was closed and it would be removed from my credit report ( XXXX ). 

XX/XX/XXXX I received a letter from Chase stating they completed their review, determined I was not responsible for the credit card account, and would ask the credit reporting agency to remove this account from my credit report. 

XX/XX/XXXX I saw the hard inquiry from Chase from the fraudulent credit card still on my XXXX credit report so I called Chase. I spoke with XXXX who was completely unhelpful, told me he would email another department to see when the inquiry would be removed and I would hear back from them and he couldnt give me a timeframe to hear back. I also tried to dispute the hard inquiry through XXXX but they told me they dont handle inquiry disputes and to contact Chase Bank. 

XX/XX/XXXX Hard inquiry still on my XXXX credit. report So I tried to call Chase again. I received a recording saying they were not taking phone calls ( due to Covid ) but I could email them so I emailed them. 

XX/XX/XXXX I received a call from the Chase Fraud Dept. who told me to get the inquiry removed, I had to call their Credit Bureau Dept. at XXXX, XXXX EST, Monday-Friday. This rep told me to advise that dept. to check the notation on the fraudulent account from this rep. dated XX/XX/XXXX. 

XX/XX/XXXX or XXXX, XXXX As instructed by the Fraud Dept. at Chase, I spoke with someone in their Credit Bureau Dept. This rep stated she would resubmit a request to the credit bureau to remove the inquiry and would send me a letter in 7-10 days. 

I then received a letter from Chase dated XX/XX/XXXX stating that they asked Experian to update the XX/XX/XXXX inquiry to a soft inquiry and also encouraged me to review a copy of the credit report to confirm this update. 

XX/XX/XXXX I just got a new Experian credit report and the inquiry from Chase from XX/XX/XXXX is still showing as a hard inquiry.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (DE)

Synchrony Bank could not reach me regarding a credit card. They called my father. I have not lived with my father for decades. I reached out to them and told them to stop. Not only is my father not on the account, that is not the phone number listed anywhere on my account statement or application. This is a violation of my privacy and horrific customer service. 
It happened again last month ( XX/XX/2023 ) and as recently as last week ( week of XX/XX/2023 ). My father said they have left multiple nasty messages. I have called them TWICE today ( XX/XX/2023 ). The first agent was unhelpful and rude. I hung up. I called back. The second agent attempted to accuse my father of lying, but quickly changed course when I noted what number not to call. I once again reiterated they are to call the number provided and nothing else. She stuttered and would not reveal where they obtained my father 's information. I told them that I am recovering from XXXX and perhaps that's why they could not reach me. The agent then asked if I brought my phone into XXXX. It was an incredibly idiotic and insensitive thing to say. She claims they are sorry and have noted never to call my father again. I told her I am filing the complaint today and that if it continues I am filing another complaint. 
The document I attached shows the correct last 4 digits and email address of how they should be contacting me. None of those items is my father 's phone number.
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 I went through Pay Pal to make the final payment on a work of art jewellery XXXX from XXXX XXXX plus shipping final payment is XXXX which they have put on hold because they want my selling information such as shipping and delays info on my products. I do not sell any items ship or otherwise-I have told them at pay pal PayPal , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX many times I can not make them understand, customer service tells me that they can do nothing until I submit what they want And I Can not, I Do Not Sell on pay pal!!! the records on my account show only outgoing payments no inbound- can they not read? this is harassment! I want that payment sent. this is what they send me and I tell them I do not sell on pay pal You can include the following info as notes to help us understand your account activity better. 
A detailed description of the items you've sold. 
How you ship your products including information on delays. 
Any information on the products you sell and how you sell them. 
Transaction Amount : {$XXXX} Transaction ID XXXX Date of Transaction : XX/XX/2020 2020
Consumer complaint received 2020-09-23
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: Santander Consumer USA Holdings Inc. (TX)

I emailed Santander via their website requesting full validation of the debt. Sander did not provide me with any validation as they stated they need to speak to " me ''. I provided them with what I needed. The bill has been paid directed to the collection agency. Santander is reporting incorrect dates " Las payment made XX/XX/XXXX ''. I have not paid them anything since XXXX. The collection had been at XXXX XXXX XXXX for 2 years. Santander refuses to give me full validation. I need these documents to show how old the charge off is. I requested the validation on XX/XX/XXXX. I received an email on XX/XX/XXXX stating they needed to speak with " Me ''. No validation gas been received to date. The agent 's name is XXXX XXXX XXXX.
Consumer complaint received 2020-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have reached out to this company numerous time concerning this debt. This company intentionally, recklessly, neglectfully, and without due regard put this debt on my credit file without verifying that this debt belong to me. I have sent out numerous of certified letters with return signature required asking this company to verify this debt and this company refused to. This company intentions are to collect on a debt that they do not know who the debt belongs to. This company is in the business to make money and their intention is to make money by any means necessary and that even if they have to break the law to do so. This company bought a screen shot image of a debt from a company that did not provide them the actual contract with the person who owe the debt actual signature and legal document that provides who the debt belongs to. This debt is not mines and I have provide to the company that the debt does not belongs to them and they do not care because, as I stated before. They are only in the business to make money and someone have to provide that to them. The intentionally, recklessly, and neglectfully put this debt on my credit file without doing things the federal way through the outline and law that the Fair Credit Reporting Act has provided and they have violated numerous of laws within the Fair Debt Collection Practices Act. This company has harass me, made false claims to take legal act again me and to be representing as a legal and law firm. This company has stated that they are going to sue me in court, and changed their number up to make it seem like a different company. This company has use threaten words against me and the list goes on. I have sent out so many letters to company asking for them to do the right thing and they this collection off my credit file and place it on the person who owe the debt. I am in fear for my life with this company with the threaten manner they have stated to me and the tone that this company have my phone number and part of my name but other wrongfully information that they can try to cause me harm, This is why I am reaching out because this company need to be held accountable for the trauma they a have caused me mentally and physically.
Consumer complaint received 2022-03-19
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. (OH)

In accordance with the Fair Credit Reporting act, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXXXXXX XXXX XXXXXXXX. Acct # XXXX 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. States a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This shows up on my XXXX XXXX account. I happen to be checking my credit and found this notification to be addressed. The person below is NOT me but the last four digits of the social are mine. Is this breach real? 

Dark Web Alert Compromised XXXX XXXX XXXX Date found on dark web XX/XX/2022 Additional info found with this breach Identity Information Drivers License Number : XXXX Drivers License Issue State : pa First Name : XXXX Last Name : XXXX XXXX Number : ( XXXX ) XXXX Contact Information Address : pa XXXX I do not know this person XXXX and/or the phone number identified. The drivers license also does not belong to me. I found this information only on XXXX XXXX as a result of checking my credit. It does not appear anywhere else, but I felt the need to address it since it is recent. 

How does this affect my credit and/or history? I can't seem to identify where he might have breached my account. 

Please help.
Consumer complaint received 2022-03-01
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. (MS)

Equifax is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.
Consumer complaint received 2019-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Accounts, LLC (TX)

The debt showing on my credit report by XXXX XXXX XXXX and Capital Accounts LLC are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

American Credit Acceptance FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

American Credit Acceptance was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding as Violated the FDCPA on my account which the debt collector has re aged my account which is way pass the 7 year time line for deletion. Midland Funding also trying to send me a settlement offer for debt that as been re-aged. Therefore, changing the dates on my credit report hoping I will pay. As a result, please inform Midland funding i'm not XXXX I will not sue in civil court. I will file a criminal complaint against managers and supervisors of Midland Funding.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I place reservation for 2 tickets to XXXX, AZ. With XXXX XXXX. I cancelled them an hour later. Amount was {$780.00}. Around XX/XX/XXXX I looked at my Citibank statement online, and noticed 2 purchases for airline tickets for {$480.00}, and it said XXXX XXXX on the statement. When I contacted Citibank, I explained I had made a purchase of 2 tickets, but cancelled them, and not to XXXX XXXX. The person said I should cancel card and report fraud. Around the XXXX I called to see why the charges were still on statement. They transferred me to fraud division, and they said I made the reservations, and so it was not fraud. I called XXXX XXXX, and they explained that the frights were cancelled and Citibank should have gotten their refund. They told me I made the reservations in XXXX XXXX pounds, and that is why the charge was {$480.00}. I called the credit card company again, and explained the mix up that made me think it was fraud. They reversed the one charge for {$480.00}, but not he other one. On XX/XX/XXXX I called credit card company and they said I owed them for {$480.00}, and would not give me a refund. They also said they didnt get a refund from XXXX. I called XXXX XXXX and they sent me a email on XX/XX/XXXX stating that two refunds in the amount of {$480.00} were refunded to my MasterCard, and they gave me ticket # s, and  tracking # s to give to Citibank. When I called and gave them to XXXX at Citibank, she said she would forward them to the right dept. on Sunday, XXXX XXXX, I pull up my Citibank app, and Charges were still on there, and they had a note that my account was closed. I had told them that they lied to me, and they got their refund on XXXX, but I get one, and they want me to pay for the other! I also got a letter from the Securty Operations Service Team stating the investigation is closed and since it was not fraud, the disputed charges would not be removed. How was I to know I that I did it in XXXX, and when I saw the statement for two charges for a different amount then the XXXX, and XXXX XXXX on the online statement, I naturally thought someone had gotten my card and charged 2 tickets to XXXX.
Consumer complaint received 2019-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America reversed a fraud claim - at my direction. The charge was re-instituted on my credit card, and I paid the approximately $ 2,500- {$3000.00} fee. Bank of America recognizes that I have paid said fee. 

However, pursuant to my conversations with the merchant, Bank of America apparently did not repay the Funds to the merchant. The merchant is threatening to send the balance to collections if I dont pay the due sum ( which I already have ). Bank of America has been contacted multiple times and has refused to resolve the issue, despite months of phone calls/complaints/etc ... 

At this time I consider Bank of America as having stolen the balance of this $ 2,500- {$3000.00} amount from me personally, and consider that they are refusing to resolve the problem. I have spent over 6 months trying to resolve this issue, and tens of hours on the phone of my time, yet Bank of America has done nothing but make false promises and transfer me from department to department.
Consumer complaint received 2018-10-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NV)

I changed my home owner insurance on XXXX because the insurance was way to expensive.I called the company which is vanderbilt mortgage.I told them i switch and want them to stop taking escrow out since i pay my own taxes and now my own insurance and they told me to cancel it and put in escrow.they took money in XXXX. and XXXX.I am on a fixed income and need the extra money which now stands at $ XXXX.they should not take the money when there is nothing to use it for.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NE)

Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.
Consumer complaint received 2019-09-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Health Corporation (IN)

to this bureau. 
Open Account # 1 {$1400.00} Balance XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor {$1400.00} High Balance XX/XX/2019 Opened Date XX/XX/2019 Last Reported Payment by .insurance coverage paid total bill. Check balance shows zero outstanding charges or balances. Total collection agency this was an unlawful act and no notice was made at all. Hospital officials total agreed with me and confirmed that