davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (AZ)

I do n't have an account with this AFNI , INC . 

AFNI , INC, XXXX, IL XXXX XXXX. 

AFNI , INC claimed that I owned them {$600.00} and reported this account under Collection ( XX/XX/2016 ) with three companies XXXX. This action is incredibly damaging to the consumer credit and damaging my employment opportunities. Most companies these days want to check a potential employee credit reporting before hire.
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Filing & Reporting, Inc. (FL)

GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (AZ)

I learned from a recent credit report that AFNI is showing as a collection account and is trying to collect a debt in the amount of {$150.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
Consumer complaint received 2023-03-22
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. (TX)

I submitted a letter to the XXXX and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$5400.00}
Consumer complaint received 2022-09-04
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. (HI)

TransUnion AND XXXX has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of Ed/XXXX  Dept of EdXXXX US Dept of Ed
Consumer complaint received 2022-09-04
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. (GA)

The Credit bureau stated XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-08-08
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. (IL)

I went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

From XXXX XXXX, XXXX until XXXX XXXX I was not employed and was not able to meet my mortgage payment obligation. I went to the agency that helped me obtain the mortgage, XXXX, and started a modification process with their help. Once I became employed again, I attempted to resume paying my mortgage and was informed by CitiMortgage that they could not accept payments and that I would have to continue the modification process. I have informed them several times that my intentions are to keep my house. 
I have had to start this process over twice now because CitiMortgage keeps closing the file insisting that I have not submitted necessary documents that I most certainly have submitted numerous times through XXXX and directly to Citi. There has not been one time that a requested document was not submitted right away. 
Also, since starting this modification process over yet once again, they have sent me letters stating that my file is under review and while in " Review '' status that all foreclosure activity would cease. They are not keeping their word as am I steadily receiving notices from the XXXX County Court involving the foreclosure proceedings against me. I feel that I am being treated very unfairly at this point. These fees are steadily rising and payments increasing and it will soon be to the point that I will not be able to afford to keep my house. All I want is fair treatment and the opportunity to resume my payments. 

Thank you!
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Central Portfolio Control Inc. (CA)

MY IDENTITY WAS STOLEN IN CREDIT ACCOUNTS, STORE CARDS, CAR LOANS ETC WAS OPEN WITHOUT MY ACKNOWLEDGEMENT I HAVE FILED A POLICE REPORT ALONG WITH AN IRS IDENTITY THEFT REPORT ALSO REPORTED IT TO XXXX XXXX
Consumer complaint received 2022-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

An account is reporting to my credit file under XXXX as a secured credit card with a maxed out balance, open and always paid on time. This account is now paid in full, closed and always paid on time. Attached to this complaint is a copy of my last credit card statement from XXXX showing the account is now paid in full, closed and always paid on time.
Consumer complaint received 2016-10-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P. (MN)

I have not been given credit for the payments I have made since XX/XX/2015. It appears more has been added to the report. I do not have a contract with LVNV and will be filing a counter suit in XXXX if they do not remove the derogatory remarks. I have not missed a payment and I assured them I would pay XXXX through correspondence. They refuse to correct the report. They bought the loan from XXXX who I am unable to co tact. I have disputed this previously,. To date I have paid {$920.00} and have proof through bill pay from my bank.
Consumer complaint received 2015-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (CA)

My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hello I am authorizing this complaint on my behalf .Cant believe you guys are taking advantage of me. I am very upset with Experian have not responded back to me about my investigation. I sent a letter to them and its been more than 60 days. I need the accounts deleted or updated .These are the items I am demanding to be deleted immediately.
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

Just before XXXX, I XXXX XXXX had my debit card number compromised. When i noticed a negative balance on his account a week later, i immediately reported fraud and was issued a new debit card. Chase reimbursed each transaction totaling almost {$1300.00}. 


However, Chase reclaimed this money on the flimsy defense that because i did not log into his online account during the fraudulent activity, it made me liable -- even though i reported fraud the moment he noticed it, well within Chase 's policy that requires its bankers 60 days to report fraud. 


There are many variables as to why someone would log into their account or not. For me, I had a surplus of money in my account and my bills were paid, so i did not need to check his online accounts as frequently that week. Instead, i freely spent my hard earned money on gifts and social engagements during the holiday season. 


But when i logged in a few days later and noticed his account was drained, he did what anyone would do -- he closed his account and reported fraud. I have since made a police report as well. Also may i add i was never notified by chase of fraudulent activity i found it myself and reported it from looking at my online information. 

Chase 's reasons for not reimbursing XXXX XXXX based on online login patterns are suggestive and unsubstantiated. The patterns Chase should be concerned with is that of blatant fraudulent activity that Chase should have been monitoring to alert him. Chase has an obligation to protect their customers from fraud as a member of the FDIC. 

Even the Branch Manager Vice President, XXXX XXXX, immediately recognized that transactions on a debit card issued solely to myself were being made in both XXXX and XXXX sometimes within hours of making purchases in his my of XXXX, XXXX. Also, the charges in these XXXX other states were always made at gas stations -- sometimes several in the same day -- for similar monetary values of {$100.00}. These are patterns of fraud that is evident in concrete FACTS. 


To think that Chase is more concerned with the subjective patterns of login activity instead of obvious patterns of fraud is downright absurd. Chase is violating their own policies and practices -- the 60 day reporting policy for fraud, the zero liability as a Visa card holder, and the membership Chase holds with the FDIC. 


Due to Chase 's unethical business practices, i had to borrow {$880.00} from family to cover my XXXX 2017 mortgage payment so that he does not default I am appalled at the conduct of this bank and expect Chase to reimburse me so that I may recover my funds as soon as possible. 

But even still, Chase REFUSES to reimburse me. 

Chase Claim # XXXX ( Document Included ) Police Case # XXXX XXXX XXXX XXXX XXXX ( Document Included ) Chase Acct. # XXXX Ive also included my bank statements which show transactions in both states at both times.
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oracle Financial Group LLC. (NE)

Multiple harassing calls from OFG LLC ( XXXX ) asking for XXXX XXXX. XXXX is my wife 's ex-husband 's wife. My wife and ex-husband have been divorced for 20+ years. I 've asked them to stop calling, I 've attempted to explain that XXXX has n't ever lived at my place or had my phone number, but nothing seems to help. I 've told them multiple times that future calls will be considered harassment, but they continue to call, asking me to leave a message for XXXX or to put XXXX on the line. Representatives are rude and belligerent, making crude remarks and cursing at me.
Consumer complaint received 2023-03-22
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX and Experian are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}
Consumer complaint received 2022-09-04
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 with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello. 

my problem is since XX/XX/2020 with this company. 

Me account is ( block, rectricted ) Me account is under review. 

I use this website 1 year or more and i have level 2 verify identity, but now i can use me account. 

Company is Coisnbase.com for trade, sell and buy criptomonedas. 

I send them a lot of tickets without reply.
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (IL)

Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. and sign there affidavit and its still not resolved. They want even more info. this account is from fraud.
Consumer complaint received 2024-02-24
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. (CA)

I am writing to follow up on my previous correspondence regarding the delayed processing of my accounts opening with Credit Bureaus. Despite my previous communication, I regret to inform you that the issue remains unresolved, and the accounts opening process has yet to be completed.

As a prospective client, the continued delay in opening my accounts are not only frustrating but also reflects poorly on the efficiency and professionalism of your organization. I have submitted all required documentation and have complied with all necessary procedures, yet the delay persists without any explanation or indication of progress.

I understand that administrative processes may encounter occasional setbacks ; however, the prolonged delay in this instance is unacceptable. It has not only inconvenienced me but has also hindered my ability to engage in business transactions with your company in a timely manner.

I urge you to prioritize the resolution of this matter and expedite the processing of my accounts opening without any further delay. Timely action is crucial to restoring my confidence in your company and facilitating the commencement of our business relationship.

Furthermore, I request that you provide me with regular updates on the status of my accounts opening and the steps being taken to rectify the situation. Clear and transparent communication will help alleviate concerns and demonstrate your commitment to resolving this issue promptly.

I trust that you will take immediate action to address this matter and ensure that the necessary steps are taken to expedite the processing of my account opening. Failure to do so may compel me to explore alternative options and escalate this issue further. I am asking for your assisstance to correct these accounts in my credit file : 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 2023-03-22
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax is holding me XXXX. As of XX/XX/2020 I have tried 4 times to temporarily lift a credit freeze as part of a home purchase. They keep giving me the run around about how they can not lift the freeze even though I pass all of the security questions. They keep sending me to an overseas call center and refuse to let me speak to a supervisor. 

In contrast, both XXXX and XXXX have been great. 

I do not appreciate how a company which I did not choose can be preventing me from having a credit report run. They should be shut down!
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (PA)

American Express, via their web site for customers, offers valuable rebates programs for various merchants. My wife and I have a household account with AMEX, with my card the primary, and her card the secondary. My wife has been consistently going to the web site, being presented with offers for merchant discounts and rebates, which she registers for and then specifically shops at those merchants. The registration shows the primary accounts as " registered '', as this is always how the AMEX site presents the XXXX cards - balances, miles, etc. are always shown under the primary account, with subtotals for the XXXX individual account numbers. As things turn out, for this marketing program, and it appears this only, the secondary account does not gain any of the benefits. This is very unclear and inconsistent with the managing of the cards historically. My wife has now spent money on items expecting the rebates/discounts, in most casts on items she would not of otherwise purchased. I believe this is a misleading and deceptive marketing campaign by AMEX - especially since we pay for both cards, the web site normally aggregates under the primary number, but for this one program, they treat the secondary card as worthless. At this point, not only do I feel we should be credited the expected discount, but I feel a refund for the purchases are due as we were enticed to spend on things we would not of otherwise chosen. I absolutely believe we are victims of a UDAP violation.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several 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 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 2022-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once