davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (VA)

My name is being listed incorrectly! 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My savings account went from {$42000.00} to XXXX in 60 days. I do n't know what happened. 
I went paperless with my bank statements about 6 months ago, and logging into my account, is usually a nightmare because of my password-for some reason, I ca n't remember it or WIFI is down and life happens and I end up not checking my statements. If I do need money from my savings, I always use my bank ATM or my mobile phone. All the unauthorized transfers come from a strange ATM, which my Bank additionally charged me banking fees for. Why would I use a strange ATM when I can do it for free on my phone? I usually transfer a large sum at once because I want to ultimately not spend this savings & invest for my future, however after a 5 year high conflict divorce with a XXXX criminal, I am very cash poor & have debts. The unauthorized transfers are done in slow, daily increments of $ XXXX {$1000.00}. I really think my bank should have contacted me to verify if there was fraud based on the irregular transfer activity. When I phoned to make the dispute, CHASE REP was very re-assuring. Then three days later a REP contacted me, in a very smug disposition, over the phone & denied my claim based on the fact I apparently checked my balance on my XXXX/XXXX/15. I may have, but this inquiry did not detail the transfers in question -- only my balance. All I do know is CHASE has had a data breach. I was also a victim of XXXX data breach. This is a high-tech cyber crime and my bank has provided no documentation on how they reached their decision despite my phone request for such evidence. The denied the claim by Monday after submitting my dispute on late Thursday. I think the only law my bank knows they have to abide by is resolving the dispute within 10-45 days. So they just deny and provide no evidence? I asked for additional dispute claim for the period after my " inquiry '' on XXXX. The Claims REP said it would be denied immediately. No evidence was ever provided to me, they did send me a letter, which was a joke! Chase is denying the claim dispute for transactions from XXXX, but fails to provide any written evidence for the full claim dispute despite my request for XXXX claim investigations to be fully documented on evidence once their decision was made. Please help me. I am wiped out. I was divorced after 15 years of marriage to a crook who stole our home 's equity by triple mortgaging it, he paid bills with credit cards and made our finances appear equal with debts/assets. He placed the house title in his name & took XXXX hidden mortgages out on the home. I learned this on my own while divorcing him. My savior was my grandmother who passed away two years ago & left me this money to help me stand on me feet again. Now I am probably going to be homeless within a year. Please help. Thank you
Consumer complaint received 2023-04-05
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. (WI)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Municipal Collections of America Inc. (IN)

I received a " notice of liability '' from XXXX XXXX regarding an alleged automated speeding penalty. I wrote a letter to them and never heard anything back. Then, I got a collection letter from the entity described below : XXXX  XXXX XXXX XXXX XXXX, ill. XXXX ticket number XXXX date XX/XX/21 acc # XXXX amt {$230.00} fax # XXXX agent : XXXX XXXX There are three problems with this alleged debt. First, I do not admit to driving the automobile at the time the automated ticket was generated. Second, the amount the city claimed I owed them ( {$170.00} ) is in excess of the statutory amount for the fine under XXXX XXXX ' Codified Ordinance XXXX. Third, the amount the collection agency alleged I owe is in excess of the amount claimed by XXXX XXXX. 

The collection agent is claiming I owe them more than the alleged original debt and both the amount of the original debt is in dispute and my liability are in dispute.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax is seriously messing up on verifying the information on my report. I just learned that XXXX XXXX XXXX and XXXX are still on my account, XXXX items that have been removed on other credit reports because there was fradulent activity, yet Equifax claims to have found the magical proof others can not. I have also been in contact with XXXX companies who told me they are doing their own investigation and those investigations are incomplete or they did not send me any results. Equifax is continually violating my rights and the law under the FCRA by not taking investigations seriously and I doubt they are investigating anything at all.
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (CO)

I had XXXX at XXXX for my dog  in XXXX of XXXX. I have never received a bill or a statement saying I owed anything. The XXXX was XXXX that I paid in full. I received a letter a few days ago in XXXX of XXXX from Transworld systems inc. never heard from them before, called and they did not give me an option to dispute nor does it say in the letter that I can. I even contacted XXXX  and no one has got back to me. I dont understand how I could owe {$100.00} when I paid {$3800.00} in full 4 years ago. I think this is a scam. I even emailed Transworld to tell them I have no debt with XXXX and they never responded. The past due/collections is already on my credit report.
Consumer complaint received 2015-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center (AZ)

Nations Recovery Center did not notify the credit reporting agencies after I settled with them on XXXX XXXX, 2015. I am looking to refinance my car and because they did not report payment to the agencies, my credit has not improved. Today 's date is XXXX XXXX, 2015. 

I have repeatedly called them and they just leave my call on hold.
Consumer complaint received 2015-06-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Nations Recovery Center (MN)

We owed XXXX XXXX {$500.00} ; XXXX XXXX XXXX filed and obtained default judgment in XXXX XXXX Texas for {$5500.00} ; higher than the debt owed ; payments made were not included in XX/XX/XXXX. Now Nations Recovery Center in XXXX GA is threatening to garnish wages on XX/XX/XXXX for {$9400.00} and wants 25 % paid now which would be {$2300.00} or they will garnish my wages. This judgment is out of state and no longer on our credit report. We are not paying money again ; they would simply not count it and come after us for a higher amount ; numerous complaints on the web against Nations Recovery Center in XXXX GA. Complaints filed with FTC and XXXX Attorney General.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted Transunion numerous of times for the past month about unauthorized inquiries on my credit report. The first call I made the representative told me to contact those particular companies and dispute w/ them and she, the representative, will place a fraud alert on my profile. I have contacted those companies by phone and letters, sent certified mail, several of time. A couple of those companies told me to contact the credit bureau that its reporting on, which is TransUnion, and disputed with them. I have gone back and forth with trans union and the companies to resolve the issue and neither one is taking my dispute and request for removal of inquires that was n't authorized after several disputes, phone calls, and certified letters.
Consumer complaint received 2021-04-21
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. (CA)

There are two accounts on my credit report one is on my experian one is on my XXXX  I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXX  {$410.00} No Account Name - Acct # XXXX  {$570.00}
Consumer complaint received 2022-09-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. The date of last activity shows a six month difference in the reported dates across all three bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX Bank? I have written letters to XXXX Bank and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-08-12
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: Envios de Valores La Nacional Corp. (NY)

The money transfer agency gave me a rate and the amount that would be paid when the money is received in XXXX. It is less than the amount thats on the receipt I have. This is not the first time that this has happened. A few months back, when it happened the first time, I contacted the agency offices here in XXXX and filed a complaint. Ive contacted them again several times this time, but they havent resolved the problem.
Consumer complaint received 2021-04-29
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DSNB XXXX XXXX XXXX XXXX  XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-02-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D&A Services, LLC (VA)

The company claims I owe a debt to someone and I have no clue as to what it is for. I have never had any dealings with the original creditor and I have looked through old bills and files and have nothing from them either. The debt collector also claims I was sent a notice 35 days ago but I have received no letter from them previously and this first notice I received also did not include anything about dispute. The creditor should use certified mail if they even sent a first notice to make sure I received it.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear sir/madam, as I was going through my credit report onTransunion few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called XXXX XXXX. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX XXXX OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with XXXX XXXX XXXX XXXX XXXX or any of their affiliates. 
I am requesting that XXXX and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report
Consumer complaint received 2022-08-09
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: Debt Recovery Solutions, LLC (MD)

I discovered a collection account on my credit report from Debt Recover Solutions for a XXXXXXXX XXXX loan in the amount of {$1300.00}. 
Ito Debt Recover Solutions for all information related ot his debt which i dispute have received no response. 

By way of background we filed a complaint agains XXXX XXXX ( a tribe payday lender ) for for unfair lending practices with the United States Consumer Finance Protection Board ) back in XXXX after paying back a payday loan in full with interest and receiving another demand by XXXX for another 100 % payment. After receiving the complaint notice from the CFPB XXXX reached out to me and indicated they would be dropping the the additional Interest request and they would consider the matter dropped and account paid in full if we would mark the complaint at the CFPB as satsified -which we did. 

Thus is was surprising to receive the collection notice in defiance of our agreement five years later.
Consumer complaint received 2021-04-29
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  CARD XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-04-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you. 

XXXX will attach a copy of the bill if you want or call me with any questions at XXXX.