davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Advantage LNS Inc. (TX)

A full walk through was completed when I moved out of this apartment with the leasing staff present. No damages were mentioned, charged, or recorded. XXXX XXXX XXXX nor the new owner of this alleged debt has not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting for years. The apartment complex was also provided my forwarding address. National Credit Audit did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. That itemized list that was typed up on a word documents. It was not in the leasing companys letterhead. Nor was it dated or signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit burueas to VERIFY this debt? The evidence submitted I believe was fradulent. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. My apartment carpet was also undamaged and stain free. 

I am requesting this company provide the following evidence : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists all damages. 
Notice of any alleged debt from National Credit Audit to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.

Or delete this from all 3 credit bureaus! I have sent them several letters requesting them to verify this debt over the past 6 months with no response to date!
Consumer complaint received 2019-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Coaf XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

I have follow-up with BMW Financial Service and consumer reporting agencies ( XXXX, XXXX XXXX and XXXX and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. 

This letter is a formal complaint that BMW Financial Service gave inaccurate and incomplete credit information as reported for my account with XXXX XXXX as CREDIT BUREAU reporting agency. 

Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated BMW account : Name of company that reported the late item ( BMW FINANCIAL SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT XXXX PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). 

When BMW FINANCIAL Services as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their account.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (MS)

Since XX/XX/XXXX, I have been back and forth with XXXX about unauthorized inquires being reported on my XXXX credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/XXXX, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XXXX. The following inquires have been disputed as unauthorized several times and remain on my XXXX  credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Dual XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.
Consumer complaint received 2020-09-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

On XX/XX/20 I was informed by the lender representative via phone call that I would not receive my closing credit of {$2100.00} fifteen minutes prior to scheduled closing. After that call he called me back and stated that I would instead owe {$1100.00}. I was assured by the lender representative in prior communications to specifically discuss clarity of closing credits that the there would be no more than a $ XXXX {$300.00} variance if any at closing from what was represented on the original closing disclosure. In multiple calls with the representative prior to closing he made it clear that there was nothing that could be done to honor the original closing disclosure I signed on XX/XX/20. The closing disclosures initially provided by the attorney did not reflect documents signed on XX/XX/20. 
The closing attorney did notice an error regarding property taxes that negated the {$1100.00} the representative said I owed but did not reinstate the {$2100.00} credit on the original signed closing disclosure. The closing disclosure was then revised a second time to show that neither party would be credited at closing.
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been consistently paying all my Capital One accounts for 24 months straight and at the beginning of the CoVid 19 pandemic I had financial hardship as most of the world and I still made every payment! 

Capital One consistently denies me an increase on my already strained credit limits and is limiting my purchase power!
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

i not able to open account on any bank don't know the reason and the banks don't tell me why i try to fix the problem but don't know how i have lost my wallet 4 years ago and now look like have many account and also have many collection account but i sure is no my
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I paid my collections with the understanding that all the derogatory marks would be removed and none of it would show on my report. They are still showing and its hurting my credit score. I honored my agreement and I would like them to honor their part.
Consumer complaint received 2020-09-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (CA)

In XX/XX/2020, The professional Credit Service is trying to collect money from me on behalf of ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) for the service I did not receive. I have been trying to dispute this wrong billing directly with XXXX but they disregarding my dispute and is continuing to hold me accountable to pay {$300.00} for the wrong service they performed on me. They have now sent my unpaid bill to be collected by the collection agency, I tried to dispute with the Professional Credit Service but they couldn't fight and get me fair response from XXXX. 

I went to urgent care on XX/XX/XXXX to XXXX in XXXX XXXX, CA, for a COVID test, the doctor who saw me ( DR. XXXX XXXX XXXX ) did not do the Covid test but they performed another kind of XXXX XXXX XXXX on me without my approval and now charging me for it!. I have been fighting this battle since XXXX this year and now I'm being forced to pay for something I didn't want. 

I fear that if I do not pay, they will ruin/impact my credit. I have a well reputed job, I have an excellent credit score and I believe in paying all my dues on time but I do not believe in getting billed wrongfully and being forced to pay. 

Hope you will consider my complaint and take the necessary action and support me. 
Thank you
Consumer complaint received 2021-01-25
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. (FL)

I sent a dispute to the credit bureaus XX/XX/2020 In the results I got back I was informed that my XXXX XXXX account which was showing late payments were updated to they were never late ( 100 % good payment history ) Now when I pulled my new credit report today I noticed that these items were reinserted showing as late again and the company just simply changed their name on my credit report and reported them as late again. This is fraudulent in my honest opinion because they didnt follow the law pertaining to reinsertion and they also changed the name that they were reporting it under as if playing some type of game with me and my finances as I am being harmed badly by this unlawful reporting. My life, my finances, my credit report is no joking matter
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

**second submission be because first one isn't showing Complaint Number XXXX I just received an alert that XXXX XXXX XXXX XXXX has been added to my consumer reports. This is defaming my character, as well as causing emotional and physical stress, anxiety and restlessness, therefore causing me to have XXXX XXXX XXXX among other health issues, and causing harm to my credit worthiness
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2021, an unauthorized transaction was made on my Chase Sapphire Credit Card for {$570.00}. I called Chase Fraud afterwards to report the charge as fraudulent and got my credit card cancelled and replaced. 

In the following credit card statement, Chase reversed their position and held me liable for the charge, even though I had clearly stated that I had not authorized the transaction. The reason for denial was because there was merchandise that was delivered to an address associated with me. I was not present at that location and did not receive delivery of the allegedly associated package. 

On XX/XX/2021, I reported the incident to my local police department and obtained a copy of the written police report. I provided Chase with a copy of this police report. Once I returned to the original address where the merchandise associated with this fraud was located, I refused the package and had USPS return the package to sender and mark it as " REFUSED ''. 

Chase continued to refuse to credit the transaction and continued to hold me liable. As explained over the phone several times with the Fraud Department, this was a transaction that I did not authorize. Also explained before over the phone, XXXX has reported that the transaction was made under a guest account with a fraudulent email address that does not match any of my known email addresses. I received no receipt of the purchase from the sender nor did I authorize this transaction.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX dropped my score. Update my file with wrong And outdated information.. they have no car win the world to hurting people like me. I work for my money, and I worked hard to pay of my own bills. This agency should not be handling credit information for the American people. They simply do not check accuracy, and they dont care what goes on the report and what hurts people. Im buying a house, I paid everything off. As it should be reflected correctly. Why in this universe would my score drop XXXX point with false information.? Why would they not check for accuracy? This is unlawful! This if fraud my reporting agencies. This should be legally dealt with!
Consumer complaint received 2020-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

An account was opened fraudulently in my name in XXXX. I was unaware of the account being opened until recently ( XX/XX/XXXX ) as a result of applying to re-finance my mortgage. I immediately  reported it to the issuer ( Synchrony ) and was just told they are denying my dispute. I did not open this account and my credit score is now being affected adversely.
Consumer complaint received 2020-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I never got anything saying i was sued in 2017 and i would have took it to court due to having XXXX. also why wouldnt i get notice before them garnishing all had in checking and savings account. i would have set up payment plan to avoid that
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Consumer complaint received 2023-01-31
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. (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.
Consumer complaint received 2020-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America ( BOA ) Home Mortgage - Due to a computer glitch BOA took 2 payments out of my non-BOA checking account on XX/XX/XXXX for my XXXX house payment. BOA has acknowledged there have been computer issues. I called BOA and they told me dispute one of the charges so I did. Instead of applying one of the payments to my mortgage payment it was applied to principle abatement. I've called multiple times to get my payment applied to my XXXX mortgage instead of principle abatement. I've spent approximately 15 hours on hold/talking to BOA to correct this to no avail. My payment is there, BOA needs to apply it correctly.
Consumer complaint received 2017-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (NC)

I have disputed this account on X/XX/2017 with the credit bureau. I have disputed this account also in X/2017. I also offered and sent this {$50.00} check to the company to pay off the debt and they refuse the payment and sent the check back to me. The company is refusing to cooperate with me.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (GA)

1. Issue number one is that XXXX billed my credit card without my authorization. The Department of Veterans Affairs ( VA ) has been paying for my XXXX subscription for the past two years. I tried to renew through the VA for 2023 but XXXX told me that I could not renew my premium account while it was still active. I was not planning to renew out-of-pocket because I could not afford it. However, I had forgotten that XXXX had my credit card number from a prior subscription. XXXX billed that credit card and has refused to reimburse me. This is a joint credit card with my wife being the primary user. My wife, XXXX, filed a dispute with Ollo Card Services but the dispute was denied.

2. Issue number two is that Ollo Card Services submitted this information to the Credit Bureaus which caused our credit scores to drop.