davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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: Receivables Management Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-06-08
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: ERC (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-06-08
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 have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2017 my Chase bank account had online fraud most likely from my laptop computer. The amount was {$1300.00}, which was the exact amount I had left In my account. They were able to transfer the full amount of money that I had left in my account to a bank called XXXX. About two weeks later I was able to get my money back from Chase, after going through the claims process after they believed someone was able to hack my online banking information. 

Yesterday morning I woke up and Chase had taken the full amount from me again. After sitting on the phone with Chase for over three hours, they first lied to us and said it was because of husband 's paycheck then we find out they actually have decided that they decided the fraud happened on my device and that means I am the one that sent all of my money away. When I ask who my money went to or what, all they will tell me is a credit card. I have never had a credit card! 

This is obviously online fraud and someone was able to hack into my computer, into my online checking account. But because Chase believes I did it, I am now left with no money in my account to pay my mortgage, bills, and many many other things. I have talk to every person they said I could talk to. They told me they had no more help for me and I could would just have to deal with it.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OK)

Me and my mom use to have a card with XXXX XXXX cleared off years ago, I tried to find out what is wrong but stuff on report they claim that equifax was sent notice of being fixed even sent my idea and requested a call but equifax and XXXX XXXX said they could do nothing tell this is fixed so I am again sending equifax a request as we mailed that copy of bills showing address and license of myself and it still is off even sent copy to XXXX XXXX to proof it was myself, not sure why this can not be fixed over the phone or what is going on one blames the other mean while darn card gets denied for reason that should not exist and number for my house been sent correctly to all parties plus my cell number been the same for over 12 years so I am confused obviously if they see my license it should be correct and will resend this to equifax and XXXX XXXX  again, not sure if issue when equifax got hacked and old stuff on my report, but this been sent to equifax 4 times and now XXXX XXXX XXXX time or so. Own house number XXXX XXXX XXXX XXXX home XXXX or cell no text XXXX only for text XXXX noted on letter with my address verification to bother parties.
Consumer complaint received 2021-11-04
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: Experian Information Solutions Inc. (MI)

I have noticed some inquiries on my credit file that Im not aware of I contacted the bureaus they told me contact the creditors I did all that & I have been dealing with this mess for at least 3 months now. I have not heArd anything back from the bureaus or the creditors. I sent letters telling them to send me written documents verifying my ID signed contract and all showing who could do this to me and they never responded. Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inaccurate inquiry
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Repossessed car in 2019, the company sold the car. The repossessed car loan was XXXX. The company adds charges to the loan to this day and says I owe XXXX for the repossessed car 4 years later. Fraudulent reporting to credit bureaus. Fraudulent charges.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

I went to the bank to make a withdrawal from a Citibank ATM Machine and noticed that my account balance was incorrect on my receipt. The bank was closed so the next day I went to the bank and a bank employee told me that there had been two ( 2 ) separate wire transfers out of my account- each in the amount of {$40000.00}. I did not initiate these transfers and I did not authorize anyone to make these transfers. I filled out the papers that the bank required me to complete and had them notarized. I also went to the local police department and filed a Victim 's Report ( Case Report # XXXX ). I then returned all the forms to the bank with a copy of the police Victim 's Report. They told me they would investigate the matter and would be in touch. On XX/XX/XXXX they sent me a letter that advised me that they were denying my claim. I have since found from employees at my bank that the same thing happened to numerous other customers at the bank.
Consumer complaint received 2021-06-01
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. (NY)

XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL (CA)

As an XXXX year-old citizen, I know very well my vulnerability to covid-19 pandemic, so I got onlineto purchase face masks in early XXXX. The seller was XXXX.It charged me {$160.00} for 3 masks plus 2 as a reward. When FDA announced 66 XXXX mask-manufacturers, I emailed the seller twice, warning him I would cancel my order if his merchandise were made by any of the 66 XXXX mask-makers. But he just ignored my requests for verification of his goods. This is why I returned his package unopened on XXXX XXXX and emailed the USPS tracking number XXXX to his agent XXXX XXXX , asking for a full refund, which she promised to provide once the return package arrived. Unfortunately, my three consecutive emails were declared unable to deliver by XXXX, disconnecting my continued requests for the refund. 

So I had to try to ask Paypal for help.Paypal promised me that the refund depends on my providing the USPS tracking number for investigation. However, Paypal some time later claimed that my return package was delivered to a wrong address, to which I strongly disputed, telling Paypal that the return address had been copied character by character on the seller 's package 's upper-left corner. which, common sense can tell, must be related to the seller. Paypal argued that the return address should be XXXX XXXX XXXX XXXX  XXXX, XXXX, FL.XXXX, which was given to Paypal long after I turned to it for help. 

However, as Paypal has insisted on its argument in favor of the seller, I had to refer my case to XXXX  for its assistance. But XXXX  of XXXX XXXX XXXX has taken no action so far. On XX/XX/XXXX, I tried to call XXXX and talk to a lady representative, who told me to try emailing to XXXX instead. I did, but there's no response as of today. 

On XX/XX/XXXX, in the wake of my threat of turning to XXXX, XXXX XXXX, agent of XXXX responded at last. Talks were resumed with little result.I warned her that it would be a crime if her company intentionally gave a customer a treacherous return address. But she ignores my advice. 

I have got online and kept talking with Paypal agents in the last two months. A few of them sounded willing to help, but no action was taken. An agent named XXXX advised me to directly appeal to Synchrony Bank, to which Paypal is related.she went so far as to provide me with the Bank 's checking account and its routing number as well. However, since the last four digit of my Paypal credit card she provides ( XXXX ) is different from my record ( XXXX ), I can't help wondering if her information is true. 
It might be a crime for me to take action hastily. 

Conversations between Paypal and XXXX would be provided at your request.
Consumer complaint received 2023-03-20
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: Cascade CISS Holdings, LLC (NY)

Good day, i was looking at my report and noticed and an unauthorize inquiry that i didn't give authorization for, please can you kindly take this of my credit report? ( delete ) According to the F.C.R.A ( Fair Credit Reporting Act ) legall this unverified and Unauthorized items must be remove,
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (AL)

This company is reporting a collections account on my credit report to the credit bureaus. I have not received any written notification from this company to allow me the time to verify the accuracy of this debt and therefore they have violated my right to a 30 day timeframe to dispute. 

I sent a request to the credit bureaus stating this and this company responded to the credit bureau that the debt was valid. 

They are not willing to cooperate and follow due process therefore causing me much stress and harm to my otherwise clean credit report.
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

LCA Collections in XXXX GA combined two bills with different dates of service XX/XX/18 and XX/XX/18 in the amount of {$45.00} each which were turned over on XX/XX/18 and combined the two in order to collect {$90.00} and that is how it is reporting on my credit report. Please investigate this improper collection practice due to the fact anything {$50.00} and below should not report to credit bureaus. Thank you.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX I wrote I letter to the credit bureau advising them my credit report shows incorrect information in the form of my name being incorrect, incorrect addresses listed, and inquiries that do not belong to me. 

It has been past the 45 day timeframe and this information has not been removed from my credit report.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (SC)

This complaint is regarding a collection account in the amount of {$95.00} held by Online Information Services XXXX Inc. of XXXX, NC. 
I was never contacted by this company regarding this account. I was made aware of this collections account after a routine review of my credit report. 
I initiated contact with the company by telephone on XX/XX/XXXX in order to gain further information regarding the account. I was unable to gain the necessary information to validate the debt through the phone communication. I verified all of my contact information with the collection company and asked why I had not been contacted regarding this debt prior to it being reported to the credit bureaus. The representative stated that attempts had been made to contact me. I disputed this claim. I stated that due to the nature of my business, my credit standing is of the upmost importance. I explained that my all 3 of my credit scores are in excess of XXXX, and that I have not missed a single payment in over 30 years. I pay my bills. 
At this point, this was the only communication I had regarding this debt from this company or the utility company from which the debt was acquired. 
On XX/XX/XXXX, I sent a request for validation of debt letter to the company via certified mail. Records show that this request was received by the company on XX/XX/XXXX. 
As of this date, XXXX, XXXX, XXXX, I have still received no communication from Online Information Services XXXX XXXX regarding this account. 
Due to the mishandling of this account by Online Information Services , Inc. and the failure to comply with the FDCPA I am requesting that all references to this account be deleted from the 3 credit bureaus.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

I.Q. International Data is a debt collector for XXXX XXXX XXXX XXXX XXXX which has increased alleged the amount owed with six percent daily interest for years without any contractual agreement with my signature from XXXX to XXXX. In violation of FDCPA 1692e ( 2 ), where the collector claims an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ). I would like these practices to end not only for me but for all hard working Americans that have dealt with this type unethical profiteering behavior.
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

This is my 11th complaint that I am filing against EQUIFAX. There were two [ 2 ] deleted inquiries from my EQUIFAX credit report after my disputes and now EQUIFAX is liable to compensate me with monetary remedy. 

The two inquiries deleted were : XXXX XXXX XXXX XXXX XXXX XXXX By deleting the inquiries off my report, EQUIFAX is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, EQUIFAX rightfully deleted the inquires. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
-The term consumer means an individual. 
-The term investigative consumer report means a " consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. " Pursuant to 15 U.S. Code 1681o, EQUIFAX is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. I have been going at this case for over 100 days now and I will not stop until I get compensated as EQUIFAX is liable by law to pay my invoice. I will attach Exhibits to this complaint that prove the deletion of the inquiries following my dispute.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

I moved in 2015, then I was automatically placed in collections, which I paid. I was never notified of the ability to dispute the debt and never given an opportunity to have the debt validated by the company. Now it is a paid collection account impacting my credit adversely. I have tried to dispute the debt, and haven't received any response from the company.
Consumer complaint received 2018-02-12
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: LEXISNEXIS (GA)

I am writing to dispute the following information in my file. Attached please find copies of the credit reports and court documents. This item : Judgment ( docket # XXXX ) on the lien amount for {$69000.00} recorded on XX/XX/XXXX is improperly designated to the wrong XXXX XXXX. The social security numbers of both mine and the correct XXXX XXXX XXXX Not match as seen on attached Complaint & Note dated XX/XX/XXXX, which would have made me XXXX years old. I am requesting that the lien be removed from my report immediately.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (PA)

On XXXX XXXX at XXXX XXXX. I tried to deposit my cash amounted to XXXX dollars in my KeyBank account. The atm counted the money and showed it all went alright until it said unable to process transaction, see attendant inside. It was a Sunday so there was no way of going inside. We called KeyBank immediately and followed a complaint. I called the KeyBank at XXXX XXXX XXXX, XXXX as soon as they opened early Monday morning. They assured me that they would balance the atm and call me to let me know the status. A provisional credit was issued and I thought everything was going well until I followed up and they said they didnt find anything. I am now down XXXX dollars and dont know where to go from here. I now dont trust KeyBank and feel they did me wrong.
Consumer complaint received 2021-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (FL)

There is a medical bill that is reporting on my credit file showing it opened in XX/XX/2020 with XXXX XXXX  XXXX XXXX XXXX. I have not had services with them in almost 7 years. They need to stop reporting this as being new because that is NOT THE CASE!!!
Consumer complaint received 2021-02-03
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. (NV)

I looked at my credit profile and noticed that there many accounts that I don't recognize nor did I authorize many of these companies to run my credit. I placed a fraud alert as I believe someone is using my identity. Please remove them immediately. Thank you.
Consumer complaint received 2021-02-03
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. (NV)

I looked at my credit profile and noticed that there many accounts that I don't recognize nor did I authorize many of these companies to run my credit. I placed a fraud alert as I believe someone is using my identity. Please remove them immediately. Thank you.
Consumer complaint received 2021-06-01
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: FIRST HOME MORTGAGE CORPORATION (NY)

XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.