davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (IN)

Our bank ( Ally Bank ) notified us of a transaction ( XXXX via debit card ) on XX/XX/XXXX in the amount of {$1500.00}, which was the result of our credit card number being stolen. On XX/XX/XXXX we immediately reported the fraud to our bank, which required us to wait until the transaction posted to actually file the claim. 

We filed the claim, and was advised the timeframe to completion was 90 days. We were not given a credit during the time they were doing their review, so our family was out {$1500.00}, while XXXX and Ally were investigating. 

Ultimately, XXXX and Ally came to the determination that the transaction was authorized ( even though it absolutely was not ). We have been in contact with XXXX who will not release information to us, and only the bank. Our bank is telling us XXXX will not issue a credit to our account. 

Ultimately, this was an unauthorized transaction, and we should not be held accountable for fraud. I believe both XXXX and Ally are at fault here - due to XXXX falsly claiming this transaction as an authorized transaction, and Ally for not properly advocating for their consumer and not properly crediting our bank accounting for the unauthorized, fraudulent transaction. 

I have attached notices sent to us by Ally related to this dispute. We have made multiple phone calls, and written inquiries to Ally- you may need to ask them for copies of those interactions. We have also asked for any and all evidence related to this claim, which they ( Ally ) has failed to supply.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections. 
3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.
Consumer complaint received 2023-03-28
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)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 BANK XX/XX/XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nobilis Credit Management, LLC. (TX)

On XXXX XXXX, XXXX i receive a call from that number and a person name XXXX start telling me about an account and i explain to him that for him talk to me with respect and i will talk to him, but he was calling me theft i tells him i am a disable person due to an accident i have on XXXX but he continue with bad actittude. I hang out the phone and he call back as soon i answer he said you beleive this was gon na stop here, now you will have a lesson because i am a thief that i use an excuse of XXXX to stole from people. I try to talk to him and give me the name of the company but he dont wants to give it to me, instead he continue calling me thief and hang out the phone. I try to call the primary company and they said that Nobilis Credit Management LLC have this account. 

I ask him if he wants my documents from my accident on XXXX to this days and he can see i lost my job due to 3 major surgeries on my lower back. And that i finish with 10 screws due to this accident. This is not a corrwct way to talk to people, yes we have a responsability to make the payments but not in this conditions of threat and making false allegations on a person.
Consumer complaint received 2021-09-08
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: EQUITY LOANS LLC (NY)

I have these items that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/EQUITY PRIME MORTG Account Number : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX/XXXX Account Number : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX XXXX Account Number : XX/XX/2020 This is not mine.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-09-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank received an order to cease and desist for two accounts they alleged were mine, the letter also requested for the name and address of the original creditor pursuant to FDCPA. Chase bank confirmed receipt of my cease and desist order on XX/XX/XXXX, where they stated they stop contacting me. Chase Bank also provided a false and misleading document as verification, stating that the past three billing statements sent to me separately will confirm my account. 

FDCPA states that when you request the name and address of the original creditor, that they must cease collection of the debt until they obtain verification or a copy of a judgement. I affirm I have not received any proper verification or a copy of a judgement stating that I owe Chase Bank the alleged debts. Additionally, Communication by definition in the FDCPA 'means the conveying of information regarding a debt directly or indirectly to any person through any medium. ' Chase Bank has continued for the past 12 months to communicate with several credit bureaus information which failed to be verified. Chase Bank is ruining my credit score, and hurting my reputation and ultimately limiting my ability to engage in commerce and provide for myself and children. 

To make matters worse, Chase Bank closed my account and I received notice XX/XX/2020. Chase Bank is engaging in discrimination. I exercised my right given to me under Title 15 Chapter 41 as a consumer, to request verification and the name and address of the original creditor. Instead of following the Federal laws, Chase Bank discriminated against me and took an adverse action against by closing my account. 

Chase Bank failed to verify the debt, they continue to report false information, are discriminating against me and harassing me through third part debt collectors.

Chase Bank also has sent me several emails relating to my consumer report. effectively violating the cease and desist order again. Since they processed the order on XX/XX/2020, I have received over 15 emails from Chase. I have also received over 10 " Billing statement '' attempting to collect a debt.

I have kept a record of the several Federal violations, fraud and criminal activity Chase Bank is engaging in. I am prepared to sue Chase Bank for their continued efforts to extort, rob, harass and oppress me. However, I would like to handle this matter in good faith and hope that Chase Bank will too.
Consumer complaint received 2022-05-02
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: Stern Recovery Services, Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-06-03
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. (CA)

This stuff that XXXX  has on my credit is not mine. It's student loans on there and I never ever been to college. I told the man that sounded like he was having a hard time understanding what I was trying to explain to him to me seemed like he was reading from a piece of paper. I do not have any student loans XXXX is giving me arid time about getting this stuff off. I was told to mail a dispute and I did never heard anything back. please get this taken care of. These student loans and the stuff showing from XXXX  XX/XX/19 & XXXX? XXXX XXXX XX/XX/19, XX/XX/19 & XX/XX/19 I did not apply for a XXXX XXXX or XXXX card
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. ()

On Friday, XX/XX/XXXX at XXXX in the XXXX, I sent, according to the bank 's instructions, a transfer form for XXXXusd to my investment account in XXXX XXXX ( broker 's account ) After all day Friday with no response, I contacted the bank 's customer service to get a response. At the end of the same day, they tell me that the bank does not want to make the transfer because the money had entered less than 10 days ago and the amount was very high. 
Accessing what the bank indicated to me, on Tuesday, XX/XX/XXXX, I again request the bank transfer for XXXXusd via email and the bank does not respond to me again. 
Being today, XX/XX/XXXX, I keep trying to receive a response from the bank and I still can not use my money. Nobody responds. 
I understand that it is my right as a user to have my money. At the time of opening the account, the bank did not specify that it could not receive and send transfers. Nor did they tell me that at some point I would not be able to have 100 % of my capital
Consumer complaint received 2021-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
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 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Capital One Auto report my car as repo when it was paid off in full and I have the payoff letter and paid off I was never late proof : XXXX  is reporting Account was in dispute- now resolved - reported by subscriber. 
Merchandise was taken back by credit grantor ; there may be a balance due. This is not true and I have written proof. XXXX abd XXXX removed this information but XXXX will not. 

Date Last Active : XX/XX/2020 XXXX/XXXX/2020
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (SC)

Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors attempting to collect a medical debt on behalf of XXXX XXXX XXXX. I nor my property have not received any services from Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX and we are not a party to their agreement with XXXX XXXX XXXX. I have not agreed to pay/tender anything to Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea how Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX received our private medical information. I did not sign a medical release of information to Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX. 
Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX violated our H.I.P.P.A. rights once again and is attempting to collect on an alleged debt that does not belong to me nor my property. I have previously experienced unfair treatment with Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX ; also filed with the CFPB complaint no. : XXXX. 
While in the process of this dispute ; Paragon Revenue Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX flagged my credit files with inaccurate/unverified medical debt collection information. Please be advised Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX are not Holders in Due Course. Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX provided an unverified debt collection letter via mail dated XX/XX/XXXX. XXXX validation notices were mailed to Paragon Revenue Group DBA XXXX XXXX XXXX XXXX, XXXX physical and mailing address. ( See attachments ) The letters were received via USPS postage XX/XX/XXXX and XX/XX/XXXX. Please note in the highlighted section on the letter provided by Paragon Revenue Group my validation notice was received at both addresses before XX/XX/XXXX. Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX did not validate their alleged debt and flagged my credit files on XX/XX/XXXX, and XX/XX/XXXX proving they do not honorably allow their alleged clients to dispute the validity of their debts before placing their accounts with the bureaus for collection. 
XXXX XXXX dba collection XXXX for Paragon Revenue Group DBA XXXX XXXX XXXX XXXX XXXX XXXX sent a copy of proof of stolen medical information that has absolutely nothing to do with Paragon Revenue Group DBA JXXXX XXXX XXXX XXXX XXXX XXXX. 
NOTE : XXXX XXXX 's envelope ( also attached ) was stamped XX/XX/XXXX by the post master and the letter is dated XX/XX/XXXX.
Consumer complaint received 2018-11-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc. (IL)

I received a letter dated XX/XX/2018 from the collection agency. On XX/XX/2018 at XXXX they were already calling me trying to collect the debt. Pursuant to the Fair Debt Collection Practices Act I have 30 days to dispute the validity of the debt. I have just sent them a certified mail disputing the claim, but they have not received it yet. They have no right calling me before the 30 days is up.
Consumer complaint received 2020-12-12
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. (UT)

My Equifax and XXXX  report have my XXXX XXXX account stuck in a past due status. It was paid off in full when it was 60 days past due but it is still stuck in a 60 day past due status. XXXX has updated it to paid as agreed, but when you look at XXXX  and Equifax, they show the account as : account delinquent 60 days past due. 

This is hurting my credit score and it shows that I am currently delinquent.
Consumer complaint received 2018-07-30
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. (TN)

XXXX IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.
Consumer complaint received 2018-07-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bronstein & Weiss Arbitration (TX)

XXXX XXXX consistently calling repeatedly threatening me at my home and My Job. Attempting to collecting a debt with no specific info but he specifically says hes going file detained order to lock me up and freeze my bank account. He is ruthless aggressively threatening and extremely intimidating me daily calling at least 8 times a day!!!!!! Harassment at my Job and Harrasing my Husband!
Consumer complaint received 2023-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (DE)

In accordance with the fair Credit reporting act XXXX Account # XXXX has violating my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1981 Section 604A 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 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I XXXX XXXX do not owe any company any money. I do not have a signed contract with any collection company. I request you delete this collection off my credit report. Delete delete
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (LA)

There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from TD Autofinance named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (GA)

Credit Control LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been sending me collection notices in the amount of {$420.00}. I am not familiar with this company or this debt. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights according to the FCRA.