davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-05-04
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-29
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. (MD)

In accordance with the fair credit reporting act XXXX XXXX account # 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 which also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/XXXX We were victims of a fraud in which a person sold us a rental home and there was no home rental home. He/She/They advertised an item they did not have. 
XX/XX/XXXX Immediately phoned Capital One and they stated they would take care of it. 
XX/XX/XXXX Received a letter stating Notification that goods were as described and received in good condition. 
XX/XX/XXXX Called Capital One and advised the goods were most certainly not received as described and received in good condition and was told of the information that would be needed to resolve XX/XX/XXXX Sent via upload information to Capital One that was requested XX/XX/XXXX Capital One denied dispute saying we did not provide the appropriate information XX/XX/XXXX Called Capital One again to ask what we to send. Was given detailed instruction, which we followed to get the appropriate information. 
XX/XX/XXXX Capital One denied dispute again saying we did not provide the appropriate information XX/XX/XXXX Called again and this time was told by " XXXX '' that they don't resolve disputes that involve transfer payments. I asked why was asked to send all the information if there was never any intention of supporting the dispute. Asked to speak to XXXX 's superior and XXXX reported he did not have one. Asked again, why were told the day before to call back if we were denied again and Capital One would advocate for us. XXXX states there is nothing he can do and there is nothing more we can do to fight this fraud.
Consumer complaint received 2018-02-05
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. (FL)

XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE
Consumer complaint received 2022-10-14
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: JPMORGAN CHASE & CO. (MI)

I have been banking with JP CHASE bank for years nowAnd recently i applied for an apartment through my section 8 voucher and was denied SOI actually was told I had a felony which is a lie I went downtown XXXX and got a letter proving that was a lie on my CREDIT REPORT and that my CREDIT SCORE was really badSo that lead me to investigate my history of CREDITAnd when I start investigating I realized that not only am Im being discriminated against but also REDLINED by my BANK and CREDIT bureaus like XXXX and other companies like them have straight up DENIED me CREDIT!!!! I can prove it JP CHASE has never approved any of my application not 1 I am a single XXXX  woman that never ever HAD 1 credit card and Im XXXX yrs old and that makes me cry really hard because this BANK said they can never accept my application due to credit score.BUT they wont allow me to build any history with credit because they tell me NO to every APPLICATION. THAT IS DISCRIMINATION!!!!!!! I only have had a bridge card lately in life and on social security.This is absolutely WRONG.Due to HJR-192 UCC1-308 how is this at all lawful to deny me credit and then tell me its my credit why I cant get any loans. : ( why XXXX old XXXX  girls get XXXX limits due to their parents demographics of life Jp I feel used and I consider this bank XXXX and discriminating against meI tried calling asking the CHASE BANK what is the issue and I recently applied for a truck OF COURSE DENIED & on top of it GASLIGHTING ME telling me its my credit and they will mail out the reason for denying meWhich I already know its because of this so called REDLINED CREDIT.I spoke to several supervisor and was treated like a child and talked to like I was absolutely nothing and told basically nothing that was LEGALLY ACCEPTABLEI also have recordings of how they talked to me and the sad excuses they came up with WHICH was not at all LEGALAt this point Im out of option and I want to sue them because I TRULY HAVE NEVER HAD A CREDIT CARD in my LIFEBlack families should have some type of support from the bank I get that you guys have to use us so how could you actually help us financially but honestly its the LAWHJR-192 and to be honest how would you feel if you if you were treated this wayIm an XXXX woman but not that behind to see when an organization is discriminating against XXXX want the same equal rights as any other person on this planet.Whats truly sad is that this corporation actually feels that its ok to deny me please investigate CHASE BANK because I truly have been taken advantage ofUCC1-308 UCC3-603 UCC 3-306 UCC 3-104 15 usc1681 b Discrimination is not okay at all and if youre racist May god FORGIVE YOU!!
Consumer complaint received 2021-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (TX)

Disputed account with XXXX- XX/XX/2021 Received a response from Self Financial asking to email the resolutions team- XX/XX/2021 Contacted Self Financial Inc about an account on my credit report. I was sent an email stating that they could not find my account and to contact their resolutions team at XXXX with the account number or the last 4 of my social. I contacted them via email and was told that my account could not be found, because the email address that I was writing from is not what they had on file. I asked what needs to be done, and they asked for me to call Self and get it taken care of.- XX/XX/2021 I called Self Financial and received the run-around, saying that they could not find the account, after giving them my full social and personal information. The representative then sent me over to XXXX to dispute the account, and XXXX just updated the information. I have been getting the run around with this company for months with no means of verifying the debt is mine. I need this item deleted from my credit report immediately. - XX/XX/2021
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I called all 3 of my credit reports Experian, XXXX, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I paid the settlement with XXXX XXXX. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.
Consumer complaint received 2018-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I am not even sure of this information. I didn't even know they took over my loans. I never had XXXX XXXX either. I spoke to them once, was put on a forbearance, and never heard from them again. That is until this month, when my social security XXXX check was short. I guess they were able to take my money that way. I am in XXXX, with XXXX, who previously had my loans, or so I thought, I never had an issue.
Consumer complaint received 2022-04-29
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. (MD)

XXXX XXXX XXXX is reporting an account to my credit report ... .Everytime I dispute they verify it as a verified account.Its a fraudulent account.Its identity theft.Its not my account.I never had this card.I have been complainianng and they keep verifying the account.It is not my account.I want this account deleted from all of the consumer credit agencies.I can supply this agency and the company/bank with the police report the OCC and FTC XXXX 

I have contacted the federal court house in my city/state.So I can prepare myself for filing a federal lawsuit.I filed the complaints with the FTC, OCC and the police report.So I can create a paper trail for court. 

This is a violation of FCRA ... XXXX XXXX XXXX is reporting incorrect inaccurate and untruthful information on my credit reports ... .This account is not mines... 

I want a copy of the original credit card application, the statements for the history of the account.I am requesting this ... .XXXX XXXX XXXX can either supply it to me now or supply it to me through a federal subpeona.Once the Lawsuit is filed in Federal Court . 

Everytime you update the account its on the credit report ... So if i have too... I will file a lawsuit ... .Its only {$400.00} and you will have to come to court... .Then you will have to explain why you didnt follow through and investigate the account ... After letting you it was a fraudulent account.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (TX)

In XX/XX/XXXX I canceled service with XXXX XXXX XXXX XXXX, and was required to return XXXX boxes via XXXX. The boxes were returned, several months later I was advised by an XXXX XXXX XXXX Customer Service Rep that I had a past due balance due to unreturned boxes. I disputed this information, provided the location of the XXXX store that the boxes were returned to ( as per XXXX XXXX XXXX 's explicit instructions ), and the date of return. Upon following up with the company a few days later, I was advised that the charge for unreturned boxes would be removed from my account. 

Instead of being removed, this balance was sold to Afni, Inc. I noticed this balance on my credit report initially in XXXX. I disputed the amount as it was incorrect, and the report was removed. Afni, Inc. reinstated the charge on my credit report in XXXX fraudulently as a " new collection '' ( so that the credit bureau was not required to advise me of the reinstatement ), for the exact same amount due as the previous account ( {$970.00} ). I again disputed the charge as it was incorrect, and the report was removed from my credit report. 

In XX/XX/XXXX, Afni, Inc. fraudulently reported this same collection account to the credit bureaus for the third time, although it has been disputed and removed twice from my credit report thus far as it is incorrect and the balance is not owed. Again, the company fraudulently reported this as a " new collection '', citing that the account was " Opened XX/XX/XXXX ''. 

The practices of this company are horrific. First, not only was the balance reported incorrectly as my boxes were returned and I did not owe a balance, but even after being disputed and removed, the company continued to attempt to collect on an account that they knew was incorrect, aggressively reporting it to the credit bureaus as a " new collection account '' on multiple occasions and masking their tactics by disclosing a fraudulent " opened '' date, in an effort to collect a falsified debt. 

I would like this mark permanently removed from my credit report immediately, and assurance that it will not reappear as a " new collection account '' with a new reported " opened date '' of the company 's choosing, at a later date. 

Company in question : Afni, Inc XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Collection : XXXX XXXX XXXX XXXX Amount : {$970.00} Fraudulent " Account Opened '' date : XX/XX/XXXX XXXX
Consumer complaint received 2021-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (MD)

My medical provider had trouble collecting payment for insoles from my insurance. The debt was paid in full by me in XX/XX/XXXX. Despite the fact that no debt is owed Quality asset Recovery continues to report the debt as being in collections. This was disputed with the credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. They keep reporting the debt and causing significant impact to my credit.
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP (FL)

On several dates including today XX/XX/2018 unauthorized call phone calls with falsely indicated caller IDs ( XXXX County Court House and previously XXXX County Court House ) were placed to me, both my elderly parents, 3 brothers, and a sister-in-law. Recorded voicemail messages were left on several of these unauthorized cell phone numbers by a caller 'XXXX XXXX indicating my full name, pending case 'against ' me, 'case numbers ', and wishing me 'luck '. All of these recordings have been saved. My employer was also contacted and several co-workers were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, family, employer, and any found through skip trace. I also asked who she was collecting a debt for and she answered. I then advised that a company who misleads or falsely ID 's themselves, contacts third party releasing any information true or false to them, is in violation of Federal law. She hung up on me. My elderly parents were scared for me. The other contactees understand this kind of act but it makes the illegal means no less embarrassing, humiliating, or intimidating. These calls put my employment at risk.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

I opened my Chase Private Client account online in XXXX. The nearest branch was more than XXXX miles away from where I lived at the time. This account requires a minimum balance to avoid a {$35.00} minimum monthly fee. I've been charged hundreds of $ in fees since I wasn't able to maintain the required balance and Chase refuses to change my checking type to another type not requiring a minimum balance without me physically coming in to a branch. I'm traveling and work during business hours and unable to come in to a branch to do so and have made several phone, email, online message attempts to change the account, but Chase requires me to physically come in to change the account type while I'm being charged hundreds of $ in fees. If they're able to open an account online, why can't they close or change one. This is a perfect example of a big bank abusing it's customers and making revenue out of it.
Consumer complaint received 2022-04-29
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. (CA)

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


XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (FL)

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled. There was an authentication dispute that was never properly answered with proper documentation. XXXX XXXX is still posting the account as an {$380.00} collection balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (CO)

I received a letter from Capital Management Services , LP regarding a debt that I do not owe. I sent the following letter to Capital Management Services , LP : This letter is sent in response to Capital Management Services , LP attempt to collect a debt. Correspondence from Capital Management Services , LP was received via USPS on XX/XX/XXXX with a letter dated XX/XX/XXXX.  Consumer rights under the Fair Debt Collection Practices Act, Section 803 requires a response to the information received from Capital Management Services , LP within 30 days. Capital Management Services , LP should be aware of their obligations under FDCPA Section 809. 

Let Capital Management Services, LPs records show that I dispute having any obligation for this debt. Further, Capital Management Services, LPs statement that, This company has been engaged by XXXX XXXX  to resolve your delinquent debt of {$17000.00} is false. XXXX XXXX  records show that XXXX XXXX  has NOT engaged with Capital Management Services , LP to collect the referenced debt. ( XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX,  XXXX XXXX  MST ) Should Capital Management Services , LP choose to report this debt to a consumer credit bureau, it is important to recognize reporting information that Capital Management Services , LP knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 

Should Capital Management Services , LP pursue a judgment, the judge will be informed of the dispute, erroneous debt collection activities and credit reporting, and a request will be made to dismiss the case based on Capital Management Services, LPs failure to comply with the FDCPA. 

Also, be advised that I am keeping very accurate records of all correspondence with Capital Management Services , LP, written or otherwise. Given the number of consumer complaints filed against Capital Management Services , LP with the Federal Trade Commission, the State of New York Attorney General, and the Better Business Bureau, I too will not hesitate to file complaints with the Colorado State Attorney General ( violation of CFDCPA Section 5-16-107. False or misleading representations ) and the FTC regarding Capital Management Services , LP continued collection attempts. 



I have once again been contacted by Capital Management Services , LP regarding this erroneous debt.
Consumer complaint received 2018-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/XXXX, I applied for credit card with XXXX on their online website. I have an excellent credit rating of XXXX. On or around XX/XX/XXXX, I was informed in a letter that I was being denied credit due to the fact that I do not have a bank account with HSBC. There was no mention of this requirement whatsoever on their website. 

During the application process, I sent in my personal information. I believe it is unethical for a bank to ( 1 ) collect this information knowing I will be denied credit because I don't have a banking account with them. This should have been the first question on the application ; and ( 2 ) employ bait and switch tactics that imply that if I open a bank account, I will be approved for a credit card.