davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (CA)

XXXX XXXX XXXX billed me for services I did n't authorize Since day one I asked for proof of authorization and I will gladly pay this off. All they have is an itemized bill that XXXX XXXX made up and sent to them. No signatures or anything on mybehalf. 

I spoke with XXXX XXXX today. She is a manager in the billing department and the one who has been handling my case. 
She let me know that as of today they only have an itemized bill. This has been the case since day one. 
She always states that they requested proof of authorization from XXXX XXXX office and they are still waiting for it. I asked if theres a timeline or deadline given to their office and she said no. 
So I am just supposed to allow this to remain on my credit for as long as they want to i guess. 

I called back and asked to speak to another manager. They connected me to XXXX XXXX on XX/XX/XXXX @ XXXX He provided me with a record of dates of when I called. ( listed Below ) He then said that I needed to write a written letter within 30 days of them receiving my file which was on XX/XX/XXXX to let them know I 'm contesting it. But if you look at the dates, I called 2 days after it was submitted to their office and no one let me know about this written protocol. 

I 've always been told by XXXX XXXX that once the Dr office can not prove authorization then all negative marks on my credit will be removed. 


XX/XX/XXXX Date claim received at Capital Accounts Calls by me to Capital accounts for updates and information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital Accounts XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letters can be sent to : XXXX. XXXX XXXX XXXX TN XXXX XXXX Initial billed amount : {$2500.00} Current amount due : {$2700.00} Collection sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-11-01
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. (MS)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-01-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that 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 matter as soon as possible. Thank you.
Consumer complaint received 2023-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I notified Equifax on XX/XX/2023 that I am a victim of identity theft and that my accounts have been compromised and tampered with by the identity thief. Equifax responded via CFPB, complaint # XXXX on XX/XX/2023 stating the items were verified as accurate. There is no way the items can be verified as accurate because they are indeed a result of identity theft. The information is not accurate or complete. I am exercising my rights to a reinvestigation under the FCRA.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Consumer complaint received 2023-11-09
Product: Credit 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. (NJ)

On XX/XX/2023 I dropped off my new equipment to be serviced to XXXXXXXX XXXX XXXX XXXX. There was a manufacturer defect which they promised to take care of since it was under warranty, equipment was purchased less than two weeks prior to this.

Equipment was fixed and I noticed that my Chas

e Visa debit card was charged {$3100.00} for the repairs. Since I was told that this will be covered under warranty, I was surprised so I gave him a call, and they promised to reimburse me the full amount.

About two weeks went by, and nothing happened about receiving the refund from XXXXXXXX XXXX XXXXXXXX XXXX. So I decided to call my bank Chase and open up a dispute. We disputed an amount of {$990.00} because it was what they thought it was fair due to labor cost, they said that parts cost will probably not be refunded since the work was performed. 

This was about XX/XX/XXXX. We did receive the {$990.00} from our dispute. However the vendor contacted us and told us that they were deducted XXXX from Chase and whether we had opened two different disputes, we said no we only open one dispute for XXXX. After speaking to Chase every day for almost 2 weeks trying to figure out where this extra {$1000.00} came from, they realize that they had erroneously done a chargeback of {$1000.00} to XXXXXXXX XXXX XXXXXXXX XXXX along with the {$990.00}. 

Weve been in contact with Chase for many weeks almost every day and been told that XXXX XXXX XXXXXXXX XXXX will be refunded their {$1000.00} by the end of XXXX and that the dispute was already resolved and it was in Visas hand to refund XXXX. Its now XXXX and they still have no idea where the {$1000.00}, Chase says that Visa has the money and visa says that we have to take it up with Chase. 

How this affects us is, XXXX XXXX XXXX XXXX has promised to refund the full amount of {$3100.00} however because they were overcharged by Chase with an erroneous 2nd dispute that came in as a chargeback, they can not refund us that remaining {$1000.00}. 

To summarize, weve only received {$2100.00} because the other {$1000.00} is in limbo waiting on visa to refund XXXXXXXX XXXX XXXXXXXX XXXX. So that XXXX  can refund us.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

I have a home mortgage with Suntrust Bank. They keep emailing me sensitive private information via unsecured email. This creates a risk that I can have my identity stolen or became a victim of a fraud. I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information. I have already requested that they stop doing so, and I was told that they would stop, but they keep emailing me said sensitive private information via unsecured email. 

I filed a complaint with CFBP, case number XXXX. 

The Company replied that they removed my email address form their system and that I would not receive any emails from them.

As a result, CFBP closed my complaint. 

However, despite what the compamy replied, I received earlier today the same message as before emailed to me at my email address that they claimed they removed from their system. 

I attach a screenshot of an excerpt of such an email, in which I manually redacted out the said sensitive private information.
Consumer complaint received 2021-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report
Consumer complaint received 2021-11-01
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. (TX)

I reviewed my most recent XXXX XXXX report dated XX/XX/XXXX, and on the report Equifax reported the following incorrect information to XXXX  XXXX  : : Credit card usage - 24 % Debit - {$29000.00} Credit limit - {$110000.00} The correct information is as follows : Credit card usage - 22 % Debit - {$29000.00} Credit limit - {$130000.00} Equifax under reported my credit limit by {$12000.00} and a 2 % increase in my debit usage which has a direct impact on my credit rating. 

I have now spent 3 days and over 4 hrs ( XX/XX/XXXX - XXXX ) on the phone with Equifax XXXX XX/XX/XXXX most recent ) trying to get this issue corrected. All I get from Equifax is that this is not their problem as they have now verified with me no less than 5 times that the amounts they have on record matche what I have on mine. So, in their opinion, it is a XXXX XXXX problem and they can not and will not help me with it. 

According to XXXX XXXX, the information they show on their report, is exactly what the credit bureaus report. Nothing more and nothing less.. 

Just to add to this complaint. It should be noted that all of the information XXXX sent was correct.
Consumer complaint received 2021-01-21
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: Experian Information Solutions Inc. (FL)

The three Bureaus continue to report medical accounts and have not yet provided me with any proof with my signature that shows this is an account I should be liable for. Please assist with removing this as I will seek legal advice.
Consumer complaint received 2021-11-01
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. (FL)

Hello, my name is XXXX XXXX, and 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. 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. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (IL)

SST bought my loan. Originally from XXXX. I never signed into a contract with SST. But I did want to repay XXXX asap. Since they helped me and clearly needed the money back badly. Because they would have no other reason to sell off my 100 % positive history loan to another servicer. 

So I saved up and made an offer to SST : Accept near full lump sum payment ( Payment in full, only waiving some interest off the end for not spacing it out in many payments. ) in exchange for marking my account positively as " closed/paid in full ''. 

SST agreed to my offer terms. Accepted payment. But then horribly failed to deliver. Marking my account as " closed/paid in settlement '' instead of " closed/paid in full '' as agreed. 

SST posted to XXXX, XXXX, and XXXX at a minimum posted negatively against our agreement. SST withdrew 2 additional payments from my bank account. Each time causing overdrafts because I did not agree to and did not plan money being stolen against our agreement. 

I did not consent to my loan being transferred to a shady, lying, and stealing company. I did not and would not consent to a brand new account with only 1 month ( short/damaging ) history posted to my credit accounts. 

I did and absolutely would not send a large lump sum complete repayment waiving only partial interest in exchange to be slandered negatively. 

Since SST has not honored the terms of our agreement I am requesting an immediate l refund of my lump sum payment amount in full. I am also requesting they delete their tradeline from anywhere posted. 

Please immediately launch a deep investigation of and shut down this scary, shady, lying, and stealing illegal scam operation. With XXXX review ratings of only XXXX, XXXX  unaccredited, we can easily confirm SST has a consistent pattern of malicious illegality against consumers. Upset they're suddenly hit with fraudulent activity by SST. 

My 3 part proposal is simple : Return my payment, delete tradeline, and no further contact.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Charge off account-XXXX XXXX Certificate of indebtedness. 
This account has been charged off and is considered a certificate of indebtedness. Per 26 CFR 108, IRC section 108, and 29 US code 108- a certificate of indebtedness is considered income and income can not be reported on my credit report and must be removed. Under IRC section 108, and 26 U. S. Code 108-income from discharge of indebtedness, a taxpayers cancellation of debt is included in gross income unless specific exceptions apply. 

Right to opt out-Law 15USC-6802-6805 Privacy act of 1974 Per the FCR Act 15 USC 1681 section 602 a " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission and this is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX credit reporting. Please delete this account from my Transunion report per Privacy act of 1974, and 15USC-6802-6805.
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

The company had me do a wire transfer on friday XX/XX/21 for a refi closing that was to take place at XXXX today XX/XX/21. The money has been transferred to them and they never sent the paperwork to the title company. The title company has tried to reach them for 4 days and has received no answer or return call ... .I have been calling them all day and getting no answer or return call. PLEASE HELP!!! Mr Cooper or Nationstar is the company that has stolen my money and now refuses to do what they said they would do. XXXX XXXX OR XXXX XXXX - neither will do what they stated they were going to do.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (CA)

An very obviously fraudulent charge was placed on my gift card. I started a claim but they seem to deliberately slow things down hoping I just give up Got a {$500.00} gift card ( number is XXXX XXXX XXXX XXXX ) which magnetic strip was compromised. Called them to let them know and ask for a replacement card. Received replacement card ( number is XXXX XXXX XXXX XXXX ) tried to use it, magnetic stripe worked but transaction got declined. Called in and was told that my card XXXX was used in-store for a {$490.00} charge at a XXXX XXXX  that I have never been to. 
Charge is very obviously fraudulent and the blame is on gift card provider since card XXXX was supposed to be disabled at the time of the fraudulent transaction at XXXX XXXX, since transaction " happened '' after I called to let them know about the defective magnetic stripe. Charge was not even possible anyways since as mentioned magnetic stripe was not working. 

Since then, I have complied with all requests from cardholder services but they are not taking care of this issue and obviously try to slow things down waiting for me to give up. 

Extra Detailed Info Date of last interaction with business : XX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

There have been times where I will see multiple overdraft fees on my accounts. Not just with my current open account, but also with previous account in the past with this particular bank. Every time that I would call to speak with a representative, they are also able to give an explanation for the fees being accessed. From that point, I would try my best for the fees not to be applied but then again, I will have the fees. My question is what is going on and where is my money?