davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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: ID Analytics, Inc. (PA)

To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately.

This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-06-27
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. (VA)

The accounts listed are unknown to me. My information was stolen and I have been complaining for years. SEND ME PROOF OF MY SIGNATURE WITH THESE ACCOUNTS SO I CAN SUBMIT IT AS EVIDENCE OF FRAUD. REMOVE THESE IMMEDIATELY!! 

XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$470.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX - XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX Opened Date XX/XX/XXXXBalance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX Opened Date XX/XX/XXXX Balance {$0.00} Bankruptcy Discharged CH-XXXX Reference Number XXXX Amount {$0.00} Bankruptcy Reference Number XXXX Amount {$0.00}
Consumer complaint received 2023-01-28
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: Advanced Resolution Services Inc. (PA)

To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX said I opened a account with them in XXXX. I did not they claimed I owed XXXX dollars, then in XXXX reported on my credit i didn't pay them. After contacting them several times they had no answers for me. Finally in XXXX they agreed to remove remarks and debt owed that was not mine. Now they sold a debt that isn't mine to another company who now states I owe them XXXX for the original debt of XXXX due. Fraudulent account reported on my credit a number of times with different amounts
Consumer complaint received 2024-02-22
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. (NJ)

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have 30 days to complete your investigation once you get this letter. If you can update me even sooner, that would be great
Consumer complaint received 2023-01-28
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)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX  XXXX Bankruptcy Discharged Reference # : XXXX.
Consumer complaint received 2020-06-27
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: SUNRISE CREDIT SERVICES, INC (VA)

I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I had a low income checking account with Chase Bank. I have been having some financial issues, and for the first time in my life over drafted with Chase at the beginning of XXXX. ( Over the course of XX/XX/XXXX + XX/XX/XXXX ). Chase reversed the fees. I explained part of the problem was that I do not have regular access to my email account. I need text message notifications if I overdraft. I used to regularly receive text message notifications, until they randomly stopped. They said that in the future I would receive text message notifications. 

The following weekend I over drafted with no text message notification for my over draft fees. Because of this I received 6, {$34.00} fees over the course of 2 days. ( XX/XX/XXXX and XXXX ). This totaled to {$200.00} worth of fees for overcharging {$120.00}. I called Chase to rectify the issue. They informed me that I had hit my limit on over charge reversals for the year, even though the week before was the first time I ever over drafted. This is because you get over charged for every small charge. This is more punitive for low income people such as my self. I only had one bank account. No savings. No credit card. So I received charges for negligible amounts of money that I could have borrowed from friends had I received notification my account was empty. Instead Chase charged me an excessive amount for overdraft fees. The person I spoke to the week before from Chase did not notify me that I was approaching my limit with fee reversals. I would not have thought to ask that since this was my first time. I am not sure what their limit is, but lets say its 10. Its very easy to get to that point when you are using a debit card for purchasing stuff that cost a negligible amount. They charge you multiple amounts a day. I explained this and also reiterated my frustration with the fact that I was under the impression Chase would start sending me text message notifications if I over drafted. If this happened I only would have been charged {$34.00} not {$200.00}. {$200.00} is an excessive amount for me. My paychecks are regularly less than {$700.00}. 

They only reversed one fee, so in the end I was charged {$170.00} for overdrawing {$120.00}. I closed my chase account shortly after deciding it would be safer to carry my money around in cash, risking Chase just deducting fees that could no longer be reversed. In addition to the fact that Chase should notify customers of overages with text messages they should also notify their clients when they are approaching fee reversal limits. When I used to be able to afford to maintain a savings account, I occasionally would get charged for exceeding withdrawal from my savings limits. Their customer support/clerks would notify me if I was approaching my limit for reversals for the year. This sort of transparency was very helpful to a low income person who trusted their limited amount of money with Chase Bank.
Consumer complaint received 2023-01-28
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. (FL)

I disputed an incorrect account balance to my XXXX XXXX account on my XXXX consumer report. XXXX investigation included incorrect account balance information and did not correct my account information. Due to XXXX non compliance with the Fair Credit Reporting Act, I will seek punitive damages for each day my credit strong account continues to report inaccuracies
Consumer complaint received 2021-02-22
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. (CA)

There are 8 accounts that are appearing on my credit report that do not belong to me I have already reached out to the bureaus and have not received anything back. These accounts DO NOT BELONG TO ME they are not mine I have not applied for these nor have I signed for these. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$2000.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5200.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$8400.00} Opened XXXX XXXX, XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX - Acct # XXXX XXXX {$2200.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2017-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION (AZ)

Syndicated Office Systems is attempting to collect a medical debt ( {$440.00} -   XXXX   2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Syndicated Office Systems fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all   XXXX   credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Consumer complaint received 2024-02-22
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. ()

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a new checking account with XXXX online in XX/XX/2020 and made an electronic deposit for {$1500.00} from my XXXX checking account. They collected the funds then immediately froze my online Chase account for suspected fraud. When I called they verified my customer information including my existing user ID with Chase and unfroze the online account. They advised that regardless of my verification, the new checking account was going to be closed and the money I deposited electronically was being returned to my XXXX account. That was totally false as Chase gladly collected funds and kept my money. I have had a relationship with Chase for many years with Chase credit cards. This account should have not been close for fraud. They did not give me an opportunity to resolve this as I took action right away when I noticed my online ID was frozen. I did not receive notification by mail or any notification of where my funds were or how I could get my money back. When I called Chase they refused to send me a refund of my money and would not let me send in proof of my identification to verify. This new account was opened by me and should have not been closed as it was valid. I tried to take advantage of a {$200.00} new account offer and it was forfeited due to negligence of Chase. Four months later I was advised I had to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this caused hardship hardship for me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but they would not give me my money in the branch. They told me the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and Chase should be penalized for their poor business practices.
Consumer complaint received 2017-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

On or about XXXX XXXX, XXXX, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced XXXX, Experian and XXXX. 
There are no problems shown in the XXXX or Experian reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a credit report.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter regarding inaccurate or unknown items on my credit report. To this day over 35 days later I have not received a response yet. these accounts remain on my credit profile unverified and falsely reporting inaccurate information ultimately tarnishing my reputation. I consider this to be harassment and unjust. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items and supply original creditor information within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands,
Consumer complaint received 2020-09-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CT)

I been receiving phonecalls at workplace..And The man was rude..and said that he will garnish my paycheck if I don't take care of the debt..I keep repeating to pls not call at my Job ... and they keep doing it..This debt is more than 16 years old and they keep sending letters also..
Consumer complaint received 2023-01-28
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. (FL)

I disputed an incorrect account balance to my XXXX XXXX  account on my Equifax consumer report. Equifax investigation included incorrect account balance information and did not correct my account information. Due to Equifax non compliance with the Fair Credit Reporting Act, I will seek punitive damages for each day my credit strong account continues to report inaccuracies
Consumer complaint received 2018-03-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

I was called morning and night while being threatened to have my vehicle taken away from me during financial hardship. I was still able to make the payments and get it resolved but was still harassed. I was told all late fees would be removed and they were not removed. I was told I would not be called outside of normal hours and was constantly called outside of regular hours.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute the accuracy of XXXX XXXX  on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX  There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.
Consumer complaint received 2023-01-28
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. (TX)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/23. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX