davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Happy Money, Inc. (NY)

I am a victim of identity theft. The companies XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, HAPPY MONEY INC, XXXX XXXX CORPORATE, all claim to have miss placed or have not received my FTC report after being sent though fax and mail several times. The accounts are still on my report and affecting my progress of purchasing a home for my family. I am depressed and stressed by the lack of empathy with each representative I have spoken to. They either transfer me five or six times, give me other numbers to call and act as if they are not able to assist even when the fraud department handle fraud
Consumer complaint received 2017-11-06
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. (TX)

On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.
Consumer complaint received 2021-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I contacted Capital One to obtain proof of collection/charge off. The account was paid off and is showing charged off on my credit report. Capital One was unable to help me with this and stated that I would need to contact the credit bureau. Contacted the credit bureau and they stated I would need to contact the creditor. No action has been taken and false information has been reported on my credit report.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

i was charged a monthly fee of XXXX dollars but i have a XXXX in my account. which then lead to a over my balance incurring a NEGATIVE XXXX cents on my checking account but i was charged XXXX dollars fee to cover the XXXX cents. i think this is excessive. i call them and asked for a refund but i was told it is valid. i think this is excessive. they were saved by the Obama administration and should have been bankrupt but this bank practices is beyond consumer satisfaction.
Consumer complaint received 2021-09-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Unsolicited credit card offer ; called Capital One to request being taken off mailing list and was told that this will continue for 45 more days. Unacceptable as I have already permanently opted out from these kind of solicitations.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

In the past the XXXX XXXX dept. WAS ALERTED IN DIFFERENT WAYS ... 
Have latest XX/XX/XXXX paid rent {$450.00}? got confirmation yet the bank should be fine it didn't go thru and never alerted me.i had signed up for alerts.had to repay. 
He past chase banker allume gave me 3 cards and spread my money on 3 cards when I should of got 1.also when I went to another branch to look into it.he a XXXX male took my Id and keep it.etc
Consumer complaint received 2021-07-06
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. (NC)

XX/XX/2021 i had a Hard inquiry on my credit report from XXXX XXXX  i would like to have it removed an have the address of where the application was made or where the card was being mailed to so i can have a clue of who has my information.
Consumer complaint received 2021-07-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (VA)

This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on my credit report!
Consumer complaint received 2019-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Recovery Management (TN)

XXXX XXXX will not stop calling or remove my name or my wifes name from owing them. I have attached a list of creditors from our bankruptcy I would like them to stop calling and remove us from all 3 credit bureaus.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/XXXX, I observed I had a negative report on my credit history, reported by XXXX XXXX credit card through a XXXX Credit card. I filed a dispute through XXXX  and a month later, XXXX XXXX  removed the report from my credit history. 

XX/XX/XXXX, I observed Midland Credit Management, had placed the same account in collections and had falsely reported it to my credit report. I contacted Midland via phone and by certified letter, disputing the account. I also explained what XXXX XXXX  had done and how they had erased the report from credit history. I was told that I owed the debt and that they would not remove anything from my credit history. I requested validation of the alleged account, which they advised they would send. 

By XXXX, I had not received anything validating the account, which I again spoke with Midland via phone and they stated they never received my letter requesting they validate the debt. The representative did advise they sent me the validation paperwork, to my current address, which the XXXX conversation with the representative revealed they had the incorrect addresses, I never corrected them, because in my letter it advised of my correct address. However, this conversation with the representative he all of a sudden had my correct address, which I asked how was it that he had my correct address if they never received my letter, which I received no response. 

Since XXXX I have sent two additional letters requesting for Midland to seize any collections attempt and erase the false information from credit reports, as they are negatively affecting my credit reports. I have not received any response from Midland.
Consumer complaint received 2017-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

I have never received anything prior to a collection showing up on my credit report. The law states that consumer should be notified 30 days prior to listing anything on credit profile. This company is stating they are collecting on behalf or XXXX XXXX I have no contract signed with XXXX or XXXX XXXX. Per the HIPAA Law it protects my personal health information from being released to anyone not listed. This is reporting and has impacted my credit negatively. If this issue can not be resolved, I will exercise my rights under FCRA and sue for any damage this has cause me in obtaining credit and will contact XXXX XXXX for XXXX XXXX whom is responsible for enforcing the Privacy and Security Rules.
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I have applied for a 30-year fixed refinance on my variable mortgage loan to the bank who has been caring my existing loan for the past 9 years. My payments have never been late during this time. However, I was declined based on " delinquent accounts, '' and " many inquiries. '' In 2011, after the mortgage crash, I was forced to short-sale XXXX of my XXXX homes. And, these short-sales caused me a tremendous drop on my credit rating ( from XXXX to XXXX ) despite my credit history. 
My next question is the following : Why if I have been checking with banks for lowest mortgage rates, these inquiries have recently caused my credit points to drop from XXXX to XXXX when I had not done any credit application, have only looked for information on possible refinancing, and have paid off many of my accounts including my car loan? Why should the consumer be penalized when looking?
Consumer complaint received 2021-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2016-07-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (CT)

I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from both of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$2000.00}.
Consumer complaint received 2021-07-06
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 (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (PA)

I had a gym member ship with XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ), formerly XXXX XXXX XXXX formerly XXXX XXXX XXXX since XX/XX/XXXX. With the pandemic I put my membership on hold in XX/XX/XXXX and formally cancelled or so I thought, in XX/XX/XXXX via telephone to their front desk representatives. I did not receive one phone call and only found out of the debt collection with a email that I utilized years ago when I first set up the gym membership. As soon as I found this out I immediately contacted XXXX  to explain the situation, but they ( XXXX XXXX XXXX insisted that I provide phone records ( consumers do not keep such information ) to show who and when I cancelled with. Before contacting me they put me in collections and put a derogatory remark on my credit. No mail correspondence was received at my home address as well. To remove myself from collections I paid the agreed upon {$59.00} on XX/XX/XXXX that XXXX requested and I also asked for follow up confirmation that our engagement was completed but have yet to receive. Currently I still have a derogatory remark on my credit and have not received confirmation of engagement being completed with XXXX. I was a customer there for 6 years and paid monthly on time, and did cancel when I no longer needed the gym service earlier in the spring. Since XXXX  employee I worked with over the phone did not cancel properly, I was put into collections and had a debt collected unfairly. Anyone that had a membership with XXXX  and put it on hold/cancel during the pandemic should be advised of the bad actors at this company and negligence in their pursuit to collect unowed monies. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Admin Recovery, LLC (GA)

Admin recovery , LLC called me today XXXX/XXXX/XXXX at XXXX. I blocked the number because I have spoken with someone from this company in the past and asked them to stop calling me. Someone named XXXX then called my husband 's cell phone at XXXX XXXX and told him that they were a debt collector and needed me to call and left his phone number XXXX XXXX XXXX. My husband texted me the information and I called the number back. The guy was very rude when I told him that I was on the do not call list. He asked for my last 4 social numbers and I provided it to him and then he started yelling at me. I told him it was illegal to call my husband who is not a joint owner of any debt of mine. We got into a shouting match and I told him to remove both my and my husband 's number from his registry. He said it was not illegal and that he would keep calling until the debt was resolved. I hung up in his face after that. I think it is illegal for this company to be calling anyone besides me about my debt. They ca n't call my husband or my family and I want this to stop, hence the complaint.
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE Credit Card Slate is reporting missing payment and credit card default under my name, I was only and authorize user in the account so I can do some shopping for a friend due to he was disable, but I have never sign any agreement on me be responsible for this account, I have done a dispute with XXXX, XXXX and XXXX and they have not done any changes on my report, also I have sent letters and faxes to Chase directly and they have ignore my request. I have ask for a validation of the debt under FDCPA section 809 Validation Of Debt ( 15 USC 1692.g ) ( B ) and they have ignore my request, I been denied credit and opportunity due this reporting, I will like to please enforce this law now and also get a judgment of {$1000.00} for damages due to this, I have taking time of my life and pay for faxes and latter plus postage to fixe this problem and I still have not any response from Chase Slate Card.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  XXXX XXXX Balance Owed : {$600.00}