davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TN)

Began receiving letters demanding payment of {$29.00} around the end of XX/XX/2017for a " Toll Violation '' which is stated to have happen on XX/XX/2017 at XXXX XXXX on XXXX XXXX of XXXX Georgia from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I informed them that I 1 ) had not been in in the XXXX area on said date nor had I been there in at least 7 to 8 Years and 2 ) that said vehicle had Never been there 3 ) vehicle in is kept in garage ( in TN ) and not driven except to licensee it yearly. And 4 ) since the debt was not legitimate, I would not be paying it. The company totally ignored my correspondence and have continued to send " Demand For Payment '' letters about monthly. I have not contacted them further on this matter since they have not addressed any of the information I supplied to them. I have had an increase of unknown phone calls but since I do not answer calls I do not recognized I can not be certain they are responsible.
Consumer complaint received 2022-04-28
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account XXXX, XXXX  Account 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-05
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. (IL)

I contacted Experian, XXXX  and XXXX  on XX/XX/XXXX requesting they send documentation verifying the accuracy of a XXXX XXXX  account on my profile. I never received documentation, just a updated report saying " this account has been verified ''. On XX/XX/XXXX, I sent a second letter requesting documentation confirming validity of the account. I received the same responses as XX/XX/XXXX from each bureau.On XX/XX/XXXX, I sent a third letter and did not receive a response at all. On XX/XX/XXXX I sent a letter requesting method of verification of the XXXX XXXX  account and did not receive a response. I contacted XXXX XXXX  to resolve the account since it was affecting my score. I was told that they did not have my account it was with a company called XXXX XXXX. I contacted XXXX XXXX and was told they didn't have authority of my account and that I had to contact XXXX. After being transferred between the 2 companies, I was still unable to find out who had authority over the account. I spoke with a rep named XXXX whose extension was XXXX at XXXX XXXX and another rep at XXXX XXXX who got a manager over the phone and he told me that he couldn't do anything because my account was not with XXXX. Two weeks later, I contacted XXXX XXXX again and was told the account was with XXXX XXXX XXXX XXXX XXXX XXXX I contacted this company at XXXX and spoke with XXXX XXXX. I paid the account and expressed that this payment was not an admittance of ownership but that of a weary consumer who was tired of getting the run arounds. I made the payment and was told XXXX XXXX  is responsible for removing the account since they are the ones reporting. I called XXXX XXXX  the following day on XX/XX/XXXX and was told again that they do not have my account and thus could not give me any information.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXXXXXX XXXX to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XX/XX/XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-12-09
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: ERC (TX)

i have been disputing incorrect info on my credit report for 3 months now every time i do this they say they verified the info but when i ask for docunments from the creditor they can not provide them to me our the brueasso has these stay on my credit when they cant validity the info they are reporting
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

XX/XX/XXXX I invested {$200.00} into Bitcoin on Coinbase after I verified my Bank Account and Identity. Was advertised as 2-3 days before I would receive my Bitcoin, ended up being transferred into my Coinbase account on XX/XX/XXXX

During that time before the Bitcoin was credited to my account, I also added a debit/credit card to the account that required additional verification ( Address, SSN, etc. ) After I input that information, Coinbase locked me out of me account. The reason they gave is that I was under-age, except it was a false accusation because I have been of-age since XX/XX/XXXX. 

I tried to contact them multiple times a day, emailing regarding a single support ticket as well as XXXX  to them multiple times a day ( because XXXX is one of the only platforms they seem to semi-respond in ). I ended up stopping my XXXX, noticing that I was getting nowhere, and I just waited. 

My account was locked for almost 3 months, and within the first 2 weeks of the account being locked I had to stressfully watch my bitcoin turn into almost {$400.00}, which I would have turned into a different currency and gotten a few thousand for a car down payment. I took a lot of emotional damage from not having access to that money especially because they wrongfully accused me of being underage and I had to watch the money I invested lose value. 

When my account was finally unlocked, my bitcoin was worth less than the initial {$200.00} I invested, which is basically Coinbase stealing my money. Coinbase has still not responded to my emails, and only unlocked my account. It's been almost 2 weeks since my account was unlocked. I trusted the company to respond to me and to fix the issue, but they never did.

All I want is the {$400.00} worth of Bitcoin that I had. I lost thousands in profit from my account being locked when all of crypto went crazy. All I'm asking for is the {$400.00} worth of Bitcoin I once had. Currently the bitcoin in my account is worth {$190.00} which is STILL below my initial investment of {$200.00}.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (CA)

The problem that I'm having with this company is that I never got a notice of this debt until I saw my credit report and saw an account in there so I proceeded to call the phone number listed for that account and they told me that is for an account that was supposed to be paid for about more than a year ago but they never sent me a notice with a chance to my home address to pay before I was placed in collections, and now that I know that I have that debt and I'm willing to just pay it so it can be removed out of my credit report but they're just saying that they won't remove the account out of my credit report because is company policy, but the problem is that I never got a notice that I was gon na be placed in collections because they sent the notice to the wrong home address so basically I was never aware of this debt and they just placed me in collections unfairly and now its affecting my credit.
Consumer complaint received 2021-06-02
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)

I attempted to purchase a credit report from what I thought was Experian s official sight. After foolishly giving up all of my information I realized it was a fraud site, XXXX.Experian.com The site then crashed and reported a message of a unfixable system error. I then realized it was a fraud. Nothing has happened yet but they now have everything. At least I need a record that I reported this.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing a collection account with XXXX XXXX XXXX. As per regulations, they are obligated to provide me with their errors and omissions policy number, the original contract, and any other relevant legal documentation supporting the collection. Additionally, I request that they delete this account from my credit report. Compliance with these requirements is crucial for resolving this matter satisfactorily and accurately. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WY)

I recently opened an account with Chase. I was referred to them by a friend.I'am highly disappointed, with lack of customer service i received this morning. One of the managers thought it was ok to hang up on me. While i was trying to regain access to my online account so i could link it with XXXX. Acoording to Chase they can't verify my account with my phone number or email until i have been a customer for at least 30 days. I have never heard of this with any other institution.This has been a major inconvience. I was directed to go into a local branch. However I'm out of town. I'm dismayed that the managers answer was tto hang up on me. Chase greatly lacking customer service over the phone. I have an amazing time opening my account in person. This is not a great start.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

Dear Officer : I am currently American Express credit card use, last month i tried to transfer my AmEx Membership reward into my airline membership account to redeem reward ticket, but it looks like they frozen my account, and says " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria ''. I called them later, but they do told me it will take some times. But i am waiting so long about it, i just use my credit card normally, i do not think i did anything improper. Because they frozen my account, the reward ticket was gone. It really made me annoyed and that is why i asked CFPB for help. Please help deal with issue, it really made inconvenience and annoyed.
Consumer complaint received 2021-06-02
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: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I received a report from your organization, and surprisingly, I found some unauthorized inquiry as well as invalid information, and it's written below : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I notified the creditor who made the inquiry to remove it and told them to stop doing these kinds of things but as of now, there's still no response from them, As I believed this violates the Fair Credit Reporting Act. I'm asking for it to be investigated thoroughly and do something accordingly with regards to my credit report.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/2023 placed a call to chase bank regarding my chase sapphire credit cards current APR. chase is currently offering APR of 20.49-27.49 % to new customers i called to request a lower APR with them since i am a current customer. the website for chase states the following which clearly states request for LOWER APR via customer service ( please see below for link and verbage ). when you call they informed me they do not offer what the website claims and although other credit card companies allow you to lower the rate Chase on the other hand does not lower their rate regardless of the request. i filed 2 internal complaints with Chase credit card. this is deceptive and a clear violation of the fair lending act as this misleads consumer into thinking we can get a lower rate when in reality they do not allow for lowering the rate even though they offer lower apr on their website to new customers but not current customers. 

the advertising on their website is confusing and very misleading about how chase handles lower APR requests by consumers. 

The card issuer may and in some circumstances must compare the rate youre being charged with the rate the card issuer would charge you today if you applied for a new card. If your rate is higher than what you would be charged as a new customer, the card issuer must reduce your rate. However, this rate will not necessarily be as low as your original rate. 

" Chase reviews qualified accounts every 6 months and automatically lowers the APR if eligible. Chase will send a letter to notify you of any changes. Requests for a lower APR are not supported outside of this review process. 

Depending on your credit card issuer, if you ask for a lower interest rate, a customer service specialist might be able to submit a request on your behalf. Keep in mind that not every credit card issuer or bank accepts these requests and there is no guarantee that this request will be accepted. There are regulations that your bank or credit card company has to follow before they can increase/reduce your APR '' https : //www.chase.com/personal/credit-cards/education/interest-apr/how-to-score-lower-interest-rate-on-credit-card
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX/XXXX - XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc. (NY)

Creditor name Credit collection services violated my rights and unlawfully has reported to all three of the credit bureaus. How they violated my rights and unlawfully reported to my credit report because they haven't notified me of any debt so I may dispute the debt in which the debt comes to find out isn't mine. I haven't received any letter, email nor call from either them or liberty mutual in the debt amount they are trying to pursue. It has been known, I have been a victim of fraud which resorted to subject towards a credit freeze recently because someone is using my social security number to apply for various of things without my knowledge or permission. I am seeking to request due to the circumstances this collection to wipe off my credit report due to the violation rights and fraudulent activity.
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my  XXXX XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.
Consumer complaint received 2020-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc. (PA)

This is NOT MY DEBT. This is the second letter I received from ProCo. I responded requesting a validation of debt letter and never recived one yet they continue to send letters for debt that is not mine. I have had multiple conversations regarding this matter and explained why it is not my debt. I was tested to be a XXXX XXXX donor for my mothers XXXX. This should be charged to her insurance, not mine. I spoke with XXXX, from XXXX XXXX XXXX practice at XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA, in person when at an appointment with my mother and she confirmed this was to be charged to my Moms insurance. XXXX took the initial collection letter and stated she would make sure my Moms insurance received the bill and not me and I would not receive another notice. Not only did I receive another notice, I started getting phone calls and spoke with someone on XX/XX/2020 at approximately XXXX XXXX. The number dialing me was XXXX and I called back the number in the message, XXXX, reference number XXXX. I explained the whole story to her and she stated she put the notes into the system and if they need more information they will call me back. My brother and sister also got tested to be a XXXX XXXX donors and they are not dealing with this. I DEMAND you show me evidence of this being my debt ( Validation of Debt )! If I receive another letter or call regarding this matter, I will take legal action and inform the applicable regulatory agencies of the violations of the Fair Debt Collections Practices Act and the Unfair, Deceptive, Abusive, Acts, and Practice occurring. I will also be taking legal action against XXXX for not only reporting this as a debt but for wrongful death.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XXXX, XXXX, I canceled my auto and home owners insurance policy with USAA. At the time we also canceled the auto draft associated with our insurance account. The auto draft came from our Checking account which is also with USAA. On XXXX XXXX, XXXX, without our permission, XXXX XXXX charged our account via auto draft, over {$400.00} for funds due on the canceled account. This resulted in an overdraft on our account. 
I contacted the XXXX XXXX department who referred me to the USAA Checking services. When I contacted USAA checking services to file a complaint, I was told there was nothing they could do since it was USAA Insurance that took the money. Apparently at USAA if something illegal is done between divisions, they have no interest in addressing them. 
My wife and I did not authorize this charge or release of funds. USAA has illegally accessed our checking account.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

Today, on XX/XX/2023, I was Notified of a drop in my score on experian by XXXX points. I went to check it out because I pay very close attention to my reports. Checked XXXX and saw the same result. In addition to checking my reports regularly I havent received any mail in quite a few years regarding a validation of debt from a debt collector. The name of the company is southwest credit systems based out of Texas and they are in violation of CFPBs debt collection rule and are not abiding by the provisions of the FDCPA. I was never notified of this particular debt nor given the time to verify its validity. I was never spoken to in person, by phone, by us mail or electronic mail regarding this debt. I have been working on increasing my XXXX XXXX and diversifying my profile extensively and know better than to ignore the Initial letter. Placing a collection on my reports and dropping my score dramatically before going through the proper channels is an unfair practicing act on behalf of southwest credit systems. I would like this detrimental inaccurate information removed from my report immediately. Thank you.