davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX is reporting a remark on my Transunion, XXXX, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

This is their last opportunity to resolve this issue before I submit a complaint with the court as I will be seeking remedy for these violations. This company LVNV FUNDING is not following the procedures of the FDCPA as they did NOT send me a notification about this debt before reporting it on my consumer report. If the believe that they have then I demand to be shown proof by providing the certified green receipt bearing my signature about XXXX business days prior to the initial reporting of this alleged debt. Next, they did NOT send me any verifying and validating information about this alleged debt when I requested it. I specifically asked for the purchase agreement and they decided to send me billing statements which proves nothing. LVNV FUNDING is a collection agency that is purposely violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( XXXX ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (DC)

On I XX/XX/2023 I applied for an CHASE XXXX XXXX credit card and I Was Denied Access To My Open End Consumer Credit Plan. In accordance with the Equal Credit Opportunity Act CHASE has violated my rights. In accordance with Security Exchance Commissions this is considered Securities Fraud. I summited CHASE an Application/Security of value and did not get anything in return.

I will be Attaching my supporting documents.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

My old email and phone number have been compromised. This resulted in credit accounts being created, used, and accessed in my personal name without my permission. I have not approved application or any of these negative charges now showing on my credit report. I do not understand how someone was able to so easily access my information and open these accounts. I declare that I do now have ownership of any fraudulent activity used under my information and I request it to be removed.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Back on XX/XX/2021, I contacted Equifax & submitted legal documentation regarding the 5 public records ( bankruptcies ) they have listed on my consumer report which Equifax obtained from XXXX XXXX. I informed Equifax & provided documents stating that these 5 public records needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, Equifax has refused to remove those accounts. At the same time that I contacted Equifax, I also contacted XXXX XXXX directly and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from the XXXX XXXX on XX/XX/2021 via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the 5 public records referenced on my Equifax consumer report have now been removed from their database. Additionally, XXXX XXXX also responded via hard copy through the US Postal Service via mail dated XX/XX/2021, again stating that the 5 public records have been deleted / removed from their database. Therefore Equifax immediately needs to delete / remove this now fraudulent public records from my consumer report within their database.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My car was broken into on XX/XX/2023 my cell phone and debit cards where stolen .and my driver XXXX license. I reported to police as soon as I could but I didnt have a phone to use, when o them called capital one the first time they said they were not able to file a claim because it was after fours and nobody was available this happened 2 days in a row when I borrowed a phone to use. Then few days later when borrowing someone else s phone again I was able to file a claim however I spent over an hour on the phone only to be told that they would not process my claim due to me lacking iD verification or a recognized phone number. So now its well past 2 or 3 days. I finally borrowed money to pay for have an old phone of mine reconnected to my number and was able to call and activate my new card and regain access to all my accounts and check emails. This is when I learned that they had closed my account and denied my claim for aprox. {$1500.00} in fraudulent charges yet they had refunded almost {$200.00} in unauthorized charges on a separate claim they had had me file that day. This is. about the time I read a couple emails I hadnt been able to receive until I had got a new device to use, and saw them. There were several of them asking me to verify some suspicious charges that were from the XXXX around those dates, I didnt even see these emails until the 14 th aprox. Now I had escalated these claims to the bank they still followed thru with closing my account and saying In the notice they sent me that they are entitle to close accounts at any time for any reason. Then I as told over the phone by an agent that the charges had been in line with previous spending patterns and that they were infact valid and claim is now resolved. They also said they had caught lying because, I had said that nobody else knew my pin # and the pin had been used. However thats not what I had said, I had said the pin to my account was on and in my phone and my phone had been stolen my Email and bank accounts had, both had been compromised the thieves had changed my pin and passwords and well as. ThEn a few days more and I recieved a check for XXXX $ from my closed checking account and a notice stating claims were officially closed and blah blah blah this is XXXX situation is causing me extreme Stress and I have bills I cant pay, Im constantly in a state of worry over ever since this occured
Consumer complaint received 2021-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE AUTO FINANCE THEIR IS NO WAY POSSIBLE I WAS LATE THE DAYS YOU WERE REPORTING - THIS CAR WAS TRADED IN AT THE DEALERSHIP. THIS IS NOT OUR FAULT YOU HAD NOT BEEN PAID BY THE DEALERSHIP FOR THIS CAR. PLEASE SEE DOCUMENTATION TO SUPPORT MY CLAIM. PLEASE CHECK YOUR RECORDS. I AM GIVING YOU 30 DAYS TO FIX THIS AND IF NOT I WILL HAVE TO PROCEED WITH LEGAL ACTION AGAINST YOUR COMPANY AND THE DEALERSHIP.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$6000.00}, {$960.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

3. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account.
Consumer complaint received 2022-08-06
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have violated my right 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 an account without any written instructions
Consumer complaint received 2020-11-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT WORLD SERVICES, INC. (KS)

Thank you for your recent contact dated : XXXX XXXX, 2020. 

I wrote to you on XXXX XXXX, 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Consumer complaint received 2017-09-26
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. (NV)

I have hard inquiries on my credit report, that I did not authorize. Hard injuries such as XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX ( XXXX XXXX ) and XXXX cable ( XXXX XXXX, XXXX ) are all unauthorized hard inquiries, As I just recieved a copy of my reports recently I noticed these injuries on my report and put a fraud alert on all three of my reports I contacted Equifax and XXXX about these items being unauthorized I informed them it was identity theft has played a part in them being unautherized inquriies and accounts. Accounts such as XXXX XXXX XXXX XXXX and XXXX cable is identity theft and should be taking off my credit reports. Letters and letters of the Law have been sent to all three bureaus. XXXX XXXX was the only one that has resolved the matter.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

When I try to authorize my identity 8s says to identify existing mortgage loan thru a multiple of companies.also to identify loan for a vehicle for another set of companies. I have never applied for either. So I'm think someone somewhere isusing my identity to obtain property.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I talked to transunion reps about inquiries on my credit report as I did n't ask for my credit to be ran. I am trying to tell them I did n't authorize these but they are failing to delete them.
Consumer complaint received 2017-09-26
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. (TX)

XXXX/XXXX/2017 i have ( 3 ) inquired i call trasunion because im victim for XXXX they told me can be remove
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days
Consumer complaint received 2021-04-30
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: CL Holdings LLC (NV)

I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked XXXX to investigate this issue properly. I asked for them to please ask the credit company Jefferson Capital Systems who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked XXXX to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company jefferson captial systems just writes that the debt is valid and XXXX just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. XXXX is just using a computer generated system to get a response from jefferson capital and all they have to do is say " yes '' the debt is valid and XXXX reports this!! XXXX and Jefferson capital should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when XXXX isnt following the law. They should not be allowed to control a debt score if they dont follow the law
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX date of inquiry ( XX/XX/2021 ), XXXX  date of inquiry ( XX/XX/2021 )
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

This is their last opportunity to resolve this issue before I submit a complaint with the court as I will be seeking remedy for these violations. This company LVNV FUNDING is not following the procedures of the FDCPA as they did NOT send me a notification about this debt before reporting it on my consumer report. If the believe that they have then I demand to be shown proof by providing the certified green receipt bearing my signature about 5 business days prior to the initial reporting of this alleged debt. Next, they did NOT send me any verifying and validating information about this alleged debt when I requested it. I specifically asked for the purchase agreement and they decided to send me billing statements which proves nothing. LVNV FUNDING is a collection agency that is purposely violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
Consumer complaint received 2020-02-05
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: ACIMA CREDIT, LLC (IN)

Acima Credit has reported to credit bureaus that I owe them over {$2000.00} for a mattress set, purchased in XXXX of 2018. This is incorrect. I wished to return the product due to the companys dishonesty in business. I was advised through email that they could not take the mattress set back, however I could donate it to charity and provide Acima Credit as the donators and the issue would be resolved. Acima credit told me to get a copy of the donation receipt and email it to them which I did and I was emailed back and advised that the issue was resolved and I no longer owed them for the mattress set. Now I am seeing this debt in my credit report and it is not right.
Consumer complaint received 2015-10-13
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Acceptance Solutions Group, INC (OH)

Despite being set up to make payments through direct payroll, the lender continues to withdraw from my checking account. On XXXX/XXXX/15 after daily NUMEROUS threatening calls, and voicemails I was connected to XXXX the manager who was able to resolve the double payment issue and credit my checking account within 1 hour. On XXXX/XXXX/15 the lender was paid through payroll and again withdrew from my account. Throughout the month of XXXX I was told the payment was not received through payroll but for a specific dollar amount this could all stop/go away. On XXXX/XXXX/15 the amount was {$180.00} to make it all go away. I said this was not a viable solution and that I had been assured by XXXX she would personally oversee my account. Also on XX/XX/XXXX I was told by XXXX that XXXX was not in the office but if I did not want to settle for {$180.00} ( this is in addition to the XXXX x XXXX paid on XX/XX/XXXX from payroll and withdrawal from checking ) he would have her assistant reverse the bank withdrawal. As of today I am still missing funds. Throughout this ordeal I have been lied to - XXXX claiming to be XXXX a supervisor on a subsequent call. XXXX to whom I spoke with on Sat. XX/XX/XXXX - she said she could not help. then on XXXX XXXX I was told I would be transferred to XXXX 's assistant and that she could reverse the withdrawal from my account. I was transferred to XXXX - she immediately dropped my call. I am not sure what the scam is but I have been harassed, lied to and insulted.