davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Credit & Finance, Inc. (TN)

I received a threatening letter from Atlantic Credit and finance incorporated threatening to sue for debt if I do not contact or pay. For one, this company has never sent correspondence to me until now, two, I informed the person that called I am XXXX and have no way to pay as I am waiting on social security and have absolutely no income. This same alleged company has called my household multiple times with blocked caller or unknown caller on caller ID and immediately ask for social security number. I do not give this information over the phone to random callers. 

This letter was received via XXXX today XX/XX/XXXX and demands payment or contacting a number they give but never answer by XX/XX/XXXX or  they will hire an attorney to sue. As I said, I have informed them in the past I am XXXX, I can not work and I have absolutely XXXX income until my social security XXXX is approved.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I attempted to login into my account, I was locked out. My password was changed. I called Bluebird and was informed to change password and sent a new card. Only to discover my account was wiped out of {$2300.00}. The money was sent to some person I have never heard. They stated they would have to investigate. Fine, after the investigation they denied and insisted I must have completed this transaction which is completely not true. On XX/XX/XXXX I called back for answers, When asked, the fraud supervisor what steps were used to investigate he stated he does not know. When ask which information or documents were used he stated he did not know. I don't believe they truly investigated. They would know I did not do this they didn't even know where the money was picked up or sent. They never checked the location where the transaction was completed when logged in, or try to find out anything about the person who's name the money was sent to. I have never even heard of this person. The money transfer service stated the store was located in New York I don't know anyone in New York. They are basically trying to tell me Im just out of my money how is this even right?
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau has failed to comply with the Fair Credit Reporting Act, XXXX USC Sections 1681i within the time allowed by law, and the inaccuracies about my accounts are continuously reported on my Transunion Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}
Consumer complaint received 2021-10-25
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. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2023-01-18
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. (MD)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-11-30
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. (TX)

On XX/XX/XXXX, I sent XXXX a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to XXXX, I called XXXX XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to XXXX again, I have not gotten a response in regards to this issue
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (HI)

On XX/XX/2015 XXXX XXXX XXXX collected a debt that occurred with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX via phone to ask for the negative collection statement to be removed as it has been 3 years since the event occurred, but they informed me that I would have to contact XXXX XXXX XXXX to remove it. Once I contacted XXXX XXXX XXXX, they informed me that they could not locate the account information or show any record of me being in their system or being in debt with them at any point in history. I would sincerely appreciate any assistance or guidance on what I should do to get this removed from my credit report. 

As shown on credit report : Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX
Consumer complaint received 2021-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

Previous request was closed as duplicate, ich is not!!! THIS DEBT DOES NOT BELONG TO ME! LVNV reported balance of {$620.00} which is not mine. It was reported and deleted from XXXX and XXXX now refuse to delete from my XXXX credit report account. I need this resolved ASAP. This has a financial impact on my XXXX credit report!
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I  have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the XXXX companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} and XXXXXXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}. Please remove.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (IL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  XXXX  # XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A STATES I HAVE A 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 NUMBER WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (CA)

Applied for {$45000.00} personal loan for a major purchase and was approved via an email and when I called in to verify the company said it was a marketing email although I just applied for that amount. So much for paying for that operation. See attached email.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

Refusal to provide validation of debt by way of a signed contract bearing my signature in 30 days constitutes a deletion per FCRA. I have sent them and the credit bureaus a letter requesting validation. Capital Accounts have reported to all 3 major credit bureaus that I allegedly owe a debt to them for a company by the name XXXX XXXX XXXX. I have sent them a validation dispute letter with certified receipt # XXXX ( see attachment ) and no response. 
I also reached out to XXXX XXXX XXXX and they stated that they will get back to me on this matter. They later responded by saying they no longer have this account and that their record shows a {$0.00} balance as of XX/XX/2018. They also responded by sending me a Notice of Security Deposit Letter that was addressed to a XXXX XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. In which, I never resided at nor knows a XXXX XXXX. It's funny how they just give anybody with the same name information without verifying if I am that person. Capital Accounts are incorrectly reporting information on my credit file that belongs to someone with a similar name and some unknown person by the name of XXXX XXXX. 
I am tired of going back and forth with the credit bureaus when it's Capital Accounts LLC 's  responsibility to report accurate information to them. At this point, I will not hesitate to take legal action against them for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act - Defamation of Character Please keep in mind that these violations of the law carry a fine of {$1000.00} per violation.
Consumer complaint received 2018-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have a previous issue with XXXX XXXX, Experian, and XXXX. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, Experian and XXXX have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 someone Fraudulently used my Debit card associated with my Chase Checking Acct to withdraw {$4000.00} from the teller. In addition the criminal called into Chase to transfer {$3000.00} from a linked college acct into the checking acct and bought nearly {$3000.00} Bitcoin on debit card as well. 
After reporting these events to Chase fraud Dept the afternoon of XX/XX/2020, they have since investigated the claim for the {$4000.00} cash withdrawal and stated NO Fraud involved and are NOT reimbursing the Money. It was brought to their escalation dept who re reviewed the claim and again stated No fraud involved. 
I have spent countless hours on the phone, had several meetings with my local branch client reps, filed a Federal Trade Commission identity fraud report and police report. 
The Police detective investigating this pulled the bank 's video tape and it revealed an masked XXXX XXXX male making two {$2000.00} withdrawals at the teller posing as me, a caucasian male with a very greek name of XXXX XXXX XXXX. 
The escalation dept told me their investigation is complete w/o any further appeal process. I was also told it was my prerogative if i wanted to pursue this further with the police dept. 
I am a XX/XX/XXXX working throughout this Covid pandemic and needless to say I don't have additional available time to spend on this let alone the unnecessary stress this and Chase Bank has caused me. 
In addition to this Chase has not been transparent with the info they have investigated so as to let me know what other identity info was used other than a PIN number so that i can further protect myself. 
Chase has failed me in so many ways.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

EXPERIAN has failed to respond to me I reached times even through CFPB to resolved an still sending me requested information. Failure to respond XXXX calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY 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 XXXXXXXX OPEN CFPB COMPLAINT THAT STILL HAVENT BEEN RESPONDED TO ME XXXX, XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credence Resource Management, LLC (FL)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately
Consumer complaint received 2021-05-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2018-02-13
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: Stanislaus Credit Control Service, Inc. (GA)

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Consumer complaint received 2024-02-05
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. (AL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

A Transaction was made on my Chime account that I didnt authorize. The transaction was made by the social media platform XXXX in the amount of {$480.00} dollars. I called Chime to dispute the Transaction numerous amount of times and they denied my claim and continued to tell me that the transaction was legitimate without any real evidence of me making this transaction.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (OK)

Not only was the debt collector i did speak with abusivive, harrassing and rude, but there is a specific phone call i am referring to. XX/XX/2020 the debt collector was abusive and inferred me being a child after telling him this was not my debt, was condescending and rude. 
XXXX XXXX also decided to call me frequently during work hours after i disclosed not to. XX/XX/XXXX. And i was never given written notification or phone information to dispute the debt within 30 days. XXXX XXXX is with tekcollect. His extension is XXXX. I was harrassed into paying off half of the debt. They would not give me phone call logs from these dates
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITY NATIONAL BANK (NY)

I called City National Bank to close my Visa card on XX/XX/XXXX XXXX days before the annual fee was due ). I spoke to my relationship manager ( XXXX XXXX XXXX and he confirmed he would close the card. 

On XX/XX/XXXX, I get a notification from the credit bureaus that my credit score dropped from XXXX to XXXX XXXX! ) because I am late on a payment to CNB. I called them multiple times to remedy the situation but have not received any responses.