davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX 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, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-01-11
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX ), XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$310.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-01-29
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. (NC)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!
Consumer complaint received 2019-08-25
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: JPMORGAN CHASE & CO. (WI)

I have disputed several transactions and sent documentation to Chase Bank via fax and Chase claimed that the forms with supporting evidence were not received even though I have successful fax confirmation from third parties. 

Dispute transactions are : The XXXX XXXX for {$300.00} XXXX for {$300.00} XXXX XXXX for {$240.00} Hue for {$92.00} XXXX for {$260.00} These transactions were disputed and the merchant did not provide clear evidence that contradicts my disputes and the bank did not process my response to the merchants documents.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account name : XXXX XXXX XXXX : # XXXX
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: ALLY FINANCIAL INC. (IN)

I attempted to deposited a XXXX check at Ally Bank in order to wire it my title company so I could purchase a house. Ally Bank 's website indicates that they hold checks of that amount for 5 days with graduated deposits. Meaning the first day you get XXXX dollars, the third day you get XXXX dollars and the 5th day you get the whole amount. In my situation none if this was followed. They received the check on XX/XX/XXXX and it is now XX/XX/XXXX and XXXX dollars have been deposited in my account.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MN)

In the past XXXX we have moved into several different rental properties. Each time, we returned our cable internet equipment per the agreement. We noticed that the branch office where we were returning equipment was becoming increasingly defunct and disorganized, each time becoming more and more frustrated with their services. Each time we returned equipment, we were told that all we needed to do was leave it with the customer service employee at the front counter and every single time we did. 

Over the past XXXX years, XXXX XXXX has attempted to report a debt on my credit report to XXXX. The other credit reporting agencies will not accept their request because it clearly lacks sufficient basis in fact for reporting. Yet, XXXX repeatedly allows this vague report of my credit as a collection. XXXX has been repeatedly told and warned that the debt they are claiming has no basis in fact yet they continue to report the debt to my XXXX ( only ) credit. 

The collection agency has also been repeatedly warned and told that the debt is not legitimate. I do not owe them any money for any equipment or any services and any claim that I do based on the incompetence of their employees is absurd. If the equipment is lost, it was lost in their possession not mine. Consumers have no use for cable internet equipment after the service has discontinued.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (PA)

{$550.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I have requested this company to send copies of Agreement with your client that authorizes you to collect on this alleged debt.

Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not reached back out to me within 30 days. Therefore these debts are indeed invalid and inaccurate. please remove and delete this immediately. A copy of my FTC will be attahed.
Consumer complaint received 2019-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (FL)

A collection agency under the name " Southern Management Systems '' has reported a " past due '' debt of {$730.00} on my credit report. I received no written notice that they were placing a debt on my credit report and I do not have any unpaid debts with this company as I have never done business with them. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

This company reported to the credit bureau a 30 day late payment when there has never been a 30 day late payment. In addition, they said I had a late payment this month. They never attempted to debit the payment, instead they deposited the payment amount into my account. After 3 hours on the phone and several transfers, being hung up on, etc. they still could not solve the problem. One of the most corrupt and incompetent companies I've ever interacted with.
Consumer complaint received 2020-11-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate account
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ARS National Services, Inc. (HI)

There has been no judgement filed against me, I was not served by ARS, I asked for validation of debt and they sent me someone elses personal file which was not mine. ( Obvious error ) call me and threatened to call my employer, they know where I work already ( but Im an independent contractor ) but Im the voice mail they threaten to call my company to embarrass me. Ruin my reputation and force me into answering by using scare tactics
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (CO)

Frequent repeated calls at odd hours using an auto dialer coming from many different locations... 

this is a debt from XXXX XXXX that i don't recognize and is most likely due to fraud... 

I've included Screen Shots of the latest 2 calls ... as you can see these calls come almost exclusively at odd hours intended to harass... 

XXXX lists the Company as : Company : RECEIVABLE MANAGEMENT SE Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (VT)

Receivable Management Services has begun sending me letters and phone calls about a debt related to XXXX ( XXXX ). The first time they called, I informed then that the debt was not valid and no legal binding contract was signed. They submitted a validation and returned back to me an invoice for less than XXXX XXXX  in euro dollars. However on their latest call to me on XX/XX/11, they attempted to collect over {$100.00} dollars. the conversion of XXXX euros to USD is roughly {$47.00}. Additional XXXX via email claims I owe them XXXX. However they shut off online access, and I have no way to reconcile how they come up with that figure, and RMS will not send me the accurate account history either. The account with XXXX was a pre-paid account and they continued to bill me and can not show how they come up with their figures. I must just trust what they decide to email back to me which is then different from what RMS wants to send back to me. When dealing with XXXX  directly, they suddenly demand i send it to them via wire transfer claiming i only owed them ( XXXX ). Then when i told them to get bent that i would never wire any company money, then the amount changes to XXXX. So do i owe XXXX, XXXX, XXXX ( invoice RMS sent me as " validation '' ) or their $ XXXX they told me on the phone Saturday? nobody has the right amount! 

Additionaly this all started because XXXX would not let me back into my account to ever cancel services. Something they are known as you dig into online reviews. So in the end, they stopped my online access, prevented me from canceling, sent me bills for services i did not want or need, submit the account to RMS for different debt amounts, fail to provide accounting records to review their claim.
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - Transunion, XXXX, and XXXX. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX/XXXX  XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021
Consumer complaint received 2019-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

On XX/XX/19 at XXXX XXXX I received a call from a company claiming to represent XXXX XXXXXXXX XXXX   credit card collections. 
After I had told her I had a lawyer and was filing bankruptcy she began to ask more questions, I told her my lawyer would handle it, and she still kept asking questions so I just hung up. 
But They called before XXXX on a Sunday, and from what I understand that its against the law to be called before XXXX or after XXXX on a Sunday. 
Call was received from the following number +XXXX  ( XXXX ) XXXX This is after I have been called repeatedly throughout the weekdays days for this specific debt over and over multiple times a day. 
And now its even happening on sundays outside of hours.
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( Experian, XXXX & XXXX XXXX to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mandarich Law Group, LLP (NY)

I have disputed validation of debt several times with XXXX XXXX resurgent capital and now another Mandarich law group claiming to have validation I owe a debt. I requested validating evidence with my signed contract and anything to show the debt is indeed mine. Today XX/XX/XXXX I was sent an unsigned contract with no name on it from Mandarich law group claiming to represent XXXX XXXX who has refused to validate said debt. XXXX XXXX seems to no longer exists as they have never answered a single letter I send them for proof. The contract shows an online account under the name XXXX. This is not me. They have no proof this debt is indeed mine. I want this removed immediately from my credit reports. Please investigate this matter.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX.
Consumer complaint received 2020-05-29
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. (CA)

AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.
Consumer complaint received 2019-08-11
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. (OH)

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX  & Equifax ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

On XXXX I notified CITI of a billing error involving a charge on XXXX from The XXXX XXXX. I received notification my dispute was opened the same day. On XXXX CITI sent an email stating they heard back from the merchant and would be reviewing the details and get back to me within 10 days. 
On XXXX CIT sent an email claiming to have sent a secured message regarding the status of the dispute requesting information. There is no record of this secured message being sent through CITI.com. However, on XXXX CITI sent a confirmation of receipt of the billing dispute details requested. No other messages regarding the status of this dispute have been provided by CITI, nor have any of the documents provided by the merchant been forwarded to me. 
CITI acknowledged the dispute, receipt of all details regarding the dispute, and receipt of documentation from the merchant. However, CITI failed to provide the merchant response or continue to properly proceed with this dispute as required. This resulted in CITI charging the disputed amount of {$110.00} back to my account without notice or providing the required documentation. This is a violation CITI routinely makes.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

i have disputed these items and i havent received any documents or results from their investigation and it has been more than 60 days. the only information received was that they verified the bankruptcy with the court and thats a lie. i submitted the court letter i received from court and i still didnt get the items deleted.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION (PA)

Bank is attempting to force me into an overdraft situation by charging me fees but not allowing me to deposit or withdraw to account. 

Bank is violating Truth in Savings Act by not allowing access to statements. 

Bank took over {$200.00} in fees and provided no services.