davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I signed up for a security monitoring service named XXXX  On XX/XX/XXXX I received an email stating that XXXX is becoming XXXX XXXX XXXX On XX/XX/XXXX my security monitoring contract ended with XXXX I advised XXXX XXXX XXXX on XX/XX/XXXX that if they could not lower my rate I did not want to continue with the service. They sent me an email invoice and told me that the contract would be attached within a couple of days. The contract was never attached, I called back and still no one was able to assist with the contract. At that point I advised that I no longer wanted to move forward with the deal. 
XXXX proceeded to continue to attempt to charge me for the amount XXXX even though I am no longer under contract and advised that if they could not lower the amount I am leaving. 
I reach out to another alarm system provider and was advised that I could not use the system with any other service because the system is locked. I have attached text message conversations between XXXX and me that shows where they told me after a year I would be able to use the equipment with any other provider. Which has now proven to be false. 
So then I notice that XXXX started charging a debit card that I did not have on file. I used the card for a one time purchase at XXXX and did not have it listed as a form of auto draft for monthly payments however XXXX decided to charge my debit card that I did not authorize for payment multiple times in the amount of {$44.00} 3x 's within one week. 
I reached out to Chase who reversed the funds and returned the money back to me, then they reached out to XXXX who provided them with a signed contract from me to prove that I agreed to the amount they were charging. Chase then charged me in the amount of XXXX x 's 3 again, so now I am out of money that I do not owe XXXX. I never signed a new contract with Brinks and do not know how they could have provided Chase with a contract, I advised XXXX in XX/XX/XXXX that I no longer wanted the service if they could not lower rate. I reached out to XXXX and they said that they do not send contracts to banks. Chase is now telling me that they can not give me my money back. In a nutshell I do not have a contract of service with XXXX, I did not authorize the use of my debit card for payment and I can not use the monitoring system with another company as they and XXXX stated to me. Please see all attachments.
Consumer complaint received 2018-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (LA)

I sent a debt validation letter to Franklin collection services asking for the original signed agreement an my hippa release an they never responded an continue to report to my credit report. They continue to put unvalidated information on my credit report an have all my medical information without my hippa release. They put 8 collection on my credit report {$930.00}, {$660.00}, {$460.00}, {$380.00}, {$350.00}, {$300.00}, {$190.00}, and {$140.00}
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX Original creditor {$840.00} Open balance ok for one, I have never had a credit limit of that much ever, also I had a XXXX  XXXX account, why would I have two, I think this is fraud or a scam, but it's not me, I closed my XXXX XXXX account with a XXXX limit in good standing. This is wrong and it is dermaticly impacting my score. So I would be greatful if you could help me remove it. It's not mine and I have never had a credit limit that high ... ever!!! 

Thank you, XXXX XXXX
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Account in great standing. 
issue : 65 pts off for an open accounts that is in great stading?

65 pts to XXXX We found 1 change to your Equifax credit report. 
New Accounts XXXX  - CARD SERVICE Account Opened Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time. 
Between XX/XX/XXXX and XX/XX/XXXX, your XXXX  - CARD SERVICE credit card was added to your report. This account was opened on XX/XX/XXXX.
Consumer complaint received 2018-07-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (SC)

Prior to accepting the payment the company was to delete the account from my credit. Instead they took the funds, and continued to report on the debt as paid in full with a {$0.00} balance which still shows up on my credit as if it is an open tradeline. When I reached out to representative XXXX XXXX XXXX explained that they were well within their rights under the FDCPA to continue to report as often as needed. I then explained that this account should have ceased reporting as of XX/XX/XXXX but continued to report after XX/XX/XXXX which is more than a year later. This practice in itself keeps the statute of limitations extended.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (MS)

The company is reporting late payments on my account that was not late. 

XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

During the time period XX/XX/XXXX, through XX/XX/XXXX, XXXX XXXX XXXX credit card holder, an XXXX female XXXX XXXX, was in a XXXX XXXX recovering from XXXX XXXX XXXX XXXX. Due to this, the credit card holder was unable to make payments in a timely fashion. The credit card holder contacted the XXXX XXXX XXXX Customer Service onXX/XX/XXXX,  requesting to have the late fee reversed. The credit card company, XXXX XXXX XXXX, refused to reverse the {$38.00} late fee.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-07-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

I attempted to pay in full my debt from an old apartment that I had left and did not receive a final bill, because the office personal gave me a wrong move out date, a month prior to the actual move out time. I later saw the debt showed up on my credit report without any bill received to date from the Apartment complex. Multiple attempts to pay this debt in full have proved futile. The manager of Pro Collect refused the money order of the full amount on XX/XX/XXXX, and also XX/XX/XXXX. When I hand delivered on both occasion the full amount of XXXX on a money order, he refused the amount and threated me stating, " I am calling Fountains of wood meadow right now and tell them not to accept the payment from you ''. I tried to explain to him that I never got a bill from the apartment people, and I don't think it is fair to me, hence the money order was drafted in The Apartment complex name. The Debt Collector at Pro Collect, went on further to state, '' by the way you have owed this debt too long, and I wont make any money off it '' He refused the money order of the {$570.00}, told me I needed to pay him. I further explained I needed to obtain a home, and because of this I have been rejected multiple times. Currently they have been re-aging the account on my credit report. The date reflected currently is XX/XX/XXXX, when the debt was incurred XX/XX/XXXX, 4 years ago. I had to notify Pro Collect not to Contact me, due to the enormous phone call volume in the past.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (FL)

This company has a bunch of misleading information about my credit for other Banks and needs to be deleted from my report did not give them permission to store my information on their system they need to delete the fraudulent items immediately I called them up many times with no answer I talk to one person there who was very rude and belligerent and abrasive these people are causing me not to have a bank account and causing me financial hardship
Consumer complaint received 2021-06-23
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. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I have contacted Lanier collection agency concerning several medical bills they claim belong to me. I have requested debt verification on several occasions and they were unable to verify the debt. I would like them to stop reporting false information to the credit bureaus.
Consumer complaint received 2018-07-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

I fell 3 years behind in payments due to severe XXXX injury & hospitalization from the XXXX war while on XXXX XXXX in the XXXX XXXX. 

I paid only XXXX for the home in XX/XX/2007. This date and the original purchase amount is also reflected on ALL of the original financial documents ( deed, etc ). 
M & T bank took over the loan and literally ADDED each and every payment ( plus interest ) that I fell behind on to the XXXX original purchase price. They, as a result, fraudulently ballooned the Home loan to almost {$590000.00}! 

M & T bank then put my payments from XXXX/month to almost $ XXXX/month and literally erased all 8 years of equity ( on time payments ) that I made on the loan. 

M & T bank then claimed that I must sign the agreement to pay almost $ 4000/month or face absolute & certain foreclosure. 

M & T bank ALSO INCREASED the number of years to pay the loan back to 30 years! 

I could not keep up with these payments and M & T filed foreclosure. This is fraudulent predatory lending. 

The length of the 30 year loan should have been extended by only 3 years in order to keep the monthly note the same, $ XXXX/month. The 8 years of equity ( 8 years of house note payments ) should be credited towards this loan in full. The original purchase price of XXXX for this Home should not have been changed.
Consumer complaint received 2018-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EMORY ENTERPRISES, LLC (TX)

I already did a recent dispute on the non-payment of a fraudulent charge placed on my report. The FCRA commented upon the completion of the dispute in which the charges are still in effect on the account. The original creditor, XXXX XXXX, claims I owe {$300.00} placed by the XXXX XXXX XXXX for a trash fee that was accurate info due to the fact there was no trash left in the apartment and the was not the stated charge reason. The original charge stated by the creditor was said to be a {$150.00} for a absent written notice of ending the lease where the original creditor threatened to place that amount on my credit report. I've sent supporting documents to XXXX   already showing the fraudulent charge and would like further investigation on the charge filed on XX/XX/2017 from the XXXX XXXX XXXX account that was intentionally placed there to damage my credit as said so. A good result would be if I could please just get this removed off my report Thank you for your time.
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

I checked my credit report and out of no where I have this collection in my report from " Midwest Recovery Sys '' opened XX/XX/2019 for {$1400.00}. I have never had any business of any kind or service with this company. I do not recognize this account.
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc. (MN)

In XX/XX/2018 I began receiving letters from this company claiming they were collecting a debt for XXXX XXXX. They advised that XXXX sent them paperwork stating a balance was on my account due to XXXX employees falsely reporting a rental car stolen that I rented & failing to close the pre-authorization to collect the balance before falsely reporting the car stolen. XXXX XXXX XXXX XXXX collected approximately XXXX $ via phone & stated it satisfied the debt & they would send the debt verification documentation to me. The company never verified they have authority to collect the debt, sent any debt verification documentation or informed me of a right to dispute before I began demanding documentation in XX/XX/2018 because XXXX claimed they still had a XXXX $ balance despite XXXX XXXX XXXX XXXX stating they collected that debt ( plus hundreds of dollars in excess ). XXXX finally sent a record of the balance owed & it shows that XXXX XXXX XXXX XXXX collected hundreds of dollars more than XXXX alleges is owed. When called to find out what XXXX XXXX XXXX XXXX was doing, the call center reps began to act as complete fraudsters or scam artists by completely fabricating details, threatening to tell the court 's false information/alleging the criminal court 's had contacted them with false court dates/court information in order to intimidate me into paying more money. It should be noted, that XXXX employees fabricated statements to law enforcement in VA & MN in order to frame me for felony arrests by alleging I stole a rental car after the VA employees intentionally falsified information in the corporate database to have me maliciously prosecuted due to negative relationships between the employees & myself. That false report of a crime lead to XXXX XXXX XXXX XXXX contacting me alleging they were collecting the balance the employees intentionally left on the account to frame me for a crime. XXXX XXXX XXXX XXXX rep, XXXX XXXX, stated during the payment processing that the paperwork she has seen/conversations had w/XXXX ( allegedly/possibly, the parent company of XXXX XXXX XXXX XXXX ) shows the employees stole the car & framed me. I agreed to pay the balance of the contract in good faith after learning that the employees at XXXX had intentionally failed to collect payment in order to frame me for a crime. 
XXXX XXXX XXXX XXXX has called repeatedly, in a harassing format, demanding payments yet has refused to provide requested documentation of debt, authority to collect debt etc.
Consumer complaint received 2019-03-20
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

One Main Finacial continues to delebratly damage the credit of a co-signer that signed a loan with me on my behalf. They call myself and the cosigner XXXX continously I am only a payment and a half behind. However I continue to make my regular monthly payments I asked One Main could I refinance the loan under my name only and they said no. Mrs XXXX my cosigner called me and said one-main has been calling her and harrassing her about late payment. Also I was told by one-main that we were not seriously in delinquency. However they have began to report this to the credit bureau. Mrs XXXX has perfect credit and she is upset about it. This company calls during hours when I ( XXXX XXXX ) is at work. My supervisor asked me who is that calling interupting you at work. I said One-Main Finacial. I have been harrassed and threaten by One-Main- Finacial. I was told one time by an employee if I didnot make a payment I could be sued or they will go after XXXX and that I would be the cause of her credit being damaged. Althoug I make a payment every month. This continues this is not fair
Consumer complaint received 2023-04-07
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. (MD)

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : XXXX XXXXXXXX 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 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 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 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, and XXXX XXXX XXXX XXXX 

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.
Consumer complaint received 2021-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, ENHANCED RECOVERY CO L ( XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.