davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # DEPT OF EDUCATION/XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number :, XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (CA)

The XXXX XXXX XXXX XXXX does not have a record of our original contract and is trying to collect {$5400.00} on a membership which we quit back in XXXX XXXX XXXX 

The issues are that the card that was being automatically charged had been closed due to fraud, and also the home phone line was discontinued as we were no longer using the hard-wired telephone and transitioning to an all mobile phone plan. XXXX claims that they left messages, which can not be done to a phone line that has been discontinued, and also that they sent emails, which they are not able to provide us with proof of said emails. And there were no hard copy statements mailed to our home, less than XXXX mile away from the XXXX location. 

Additionally, I personally visited with staff to discuss the issue because my ex-wife had claimed that they were rude to her on the telephone to offer a resolution just to remove this scar on our credit report, offering an amount of {$2000.00} to make the problem go away, and this was refused. At this meeting, the person in charge of memberships stated to me that there was a lapse in accounting methods at the club because of a transition to a new accounting software. Also at this meeting, this same person looked into whether any of my family 's membership fobs had registered at the front desk after XX/XX/2016 and could not find any member log ins into their system. I was offering the {$2000.00} as a good faith gesture but am now incensed and will fight the collection claim as I see it as bad business practices, extortion, and an attempt to defame our credit. 

You will note on the member profile billing office pages that they have the incorrect email address " XXXX '' identified, perhaps this was the issue why no emails were received as the proper email address is " XXXX ''. The email was misspelled and perhaps this happened in the migration to the new software. 

I believe that if there was an inquiry audit into the bookkeeping and collection practices at XXXX XXXX XXXX XXXX, that there would be ample evidence of bullying, poor record keeping, horrible or non-existent customer relations and communications, bad business practices, and defamation of credit to their past members who have left the club. 

The attached paperwork sent to us, along with the amount due, does not display one communication letting us know that our debit card was not successfully paying the amount ( after the fraud occurred and we were issued a new card ), there are not hard copy letters of communication about an amount due with our home address on them, and there are no copies of any emails sent to us. And, they do not have our original contract on hand. 

Sincerely, Unsatisfied Customer
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or about XX/XX/2022 I received a notification from XXXX XXXX that my account was closed, due to information received from Transunion stating I placed a fraud alert/identity theft on my report, which they then closed my account without confirming whether or not this was true or not. I was informed that I called them ( XXXX XXXX and stated I did not open the account, which I have my letter of congratulation confirming proof that I applied and was approved with a credit limit of {$500.00}. I then called TransUnion which confirmed that, there was not a fraud alert, nor identify theft put on my credit file. At this point XXXX XXXX closed my account. I called XXXX XXXX XXXX team and they informed that because the claim was closed, they could not re-issue my a new card. I informed that I was advise that TransUnion request them to re- pull my credit to confirm the mis-information. XXXX XXXX to do so. TransUnion refused to send them correspondence advising that it was an error. This created a negative impact on my report. This same case scenario was occurred with my XXXX XXXX which, has also closed my account. TransUnion has refused to assist me in correction the issue. I have add credit freezes to by credit report in the past, and this has never created any issues as such. TransUnion also attempted the same behavior with XXXX back and they were the only one that sent me correspondence same issue, and I caught it in time and they did not close my account. This has recreated a financial mess. I am simply requesting that my accounts be reinstated, and my credit score which dropped XXXX points be restored.
Consumer complaint received 2016-09-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

The bank we have a home equity loan with charged us approximately {$1700.00} for a six week lapse in homeowner 's insurance. They based the insurance on the value of the XXXX mortgage ( approximately {$450000.00} ) instead of the value of the home equity loan ( approximately {$38000.00} ). Furthermore, our bank ( USAA ) is an insurance company and knows that they are overcharging for this insurance. Clearly, USAA has overcharged us for insurance and has taken advantage of us. Also, USAA has reported the failure to pay the {$1700.00} for insurance to the credit agency as a past due bill, when it clearly is in dispute.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2023-04-03
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX*Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$790.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (MS)

i notice a alleged debt of XXXX on my credit report from Paragon Revenue Group on XXXX that i don't owe, so i sent them a letter requesting the validity of the alleged debt with my USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX, and i haven't heard from them concerning this matter.i have attach a copy for your reference below.
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

Deposit of stimulus check from XXXX XXXX XXXX block on Thursday XX/XX/21 before 8 pm place hold on check until XX/XX/21 access to no money for that amount of time chase bank deposit into there atm machine verified check of XXXX $
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had a collection account at XXXX XXXX XXXX that I owed to Capital One for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called XXXX and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than XXXX days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take XXXX days????? Why does it take XXXX days?? They did n't take XXXX days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I attempted to purchase a vehicle from a " company '' called Chase Auto Sales on XXXX Chase Auto Sales LLC XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX After speaking with the " salesman '' a few times, I wired money from my XXXX XXXX account on XX/XX/23 to a Chase Bank account ( which I assumed was legitimate for a company to have ) The routing number was XXXX XXXX XXXX and the account number was XXXX XXXX XXXX. Within a few days, the seller was no longer responsive and I began a case though my bank at XXXX XXXX who after multiple calls to Chase Bank XXXX was not able to resolve this issue. 

When I spoke with Chase Bank fraud dept on XXXX they said they were not able to help me because I was not a Chase customer, although they did verify the this was indeed an open and working account- but that was all they would help me with, and could not take any action on this account.
Consumer complaint received 2022-01-19
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: BARCLAYS BANK DELAWARE (KY)

On XX/XX/XXXX we booked through XXXX 4 tickets from XXXX for XX/XX/XXXX, with their insurance " XXXX cancel for any Reason guarantee ''. On XX/XX/XXXX we called and cancelled the tickets and they told us refund is on the way. No refund so we called on XX/XX/XXXX, they told me refund will be in 2-3 days and I did request them to send confirmation of our cancellation by email. Until XX/XX/XXXX no refund, and we called, not a physical person is answering. So we have to call our credit card " Barclaycard '' for dispute on XX/XX/XXXX. On XX/XX/XXXX our credit card was rebilled, as XXXX states that no record that we didn't receive service. And they said that we can have 80 % refund to Barclay. We feel very frustrated to deal with both XXXX and Barclay. XXXX is lying about everything. We have been trying to contract them for multiple time through phone. No physical person will answered the phone. And because of non refund that's why we ask dispute from Barclay. Then from Barclay side, the investigator didn't check with us at all when they got one side the fake story from XXXX. And when I try to call Barclay, the rep on the phone will never transfer me to investigator. The reason is because they are in back office.
Consumer complaint received 2023-04-03
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-08
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. (OH)

I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX I
Consumer complaint received 2022-01-19
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: Conn's, Inc. (TX)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Conn XXXX Inc. has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in Exhibit A and information associated with Conn XXXX IncXXXX XXXX must be removed.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Advance America, Cash Advance Centers, Inc. (TX)

THIS ACCOUNT WAS INCLUDED IN A CHATER XXXX THAT WAS CONVERTED INTO A CHAPTER XXXX. THIS COMPANY CONTINUES TO TRY AND CONTACT ME AND HAS PLACE THE ACCOUNT ON MY CREDIT REPORT. BK XXXX
Consumer complaint received 2022-01-19
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)

I RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY XXXX XXXX XXXXXXXX ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I have asked if I could get my student loan payment lowered. In 2014 I was involved in a fire and suffered XXXX XXXX XXXX with that being said I lost my job which was in XXXX XXXX  and had no income. Due to the lack of income I incurred numerous bills which I am still trying to catch up on. I called Navient a couple of times and asked if I could have my payment lowered but they told me that was not an option, so my loan was put into forebearance which incurred alot of interest. I am struggling to pay credit card debt and my monthly student loan which is {$250.00} a month, please help.
Consumer complaint received 2017-05-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (GA)

Allied Collection Services  last reported to my credit on   XXXX   XXXX   XXXX    . I do not owe a balance to this collection service. This agency continuously reports to my credit, negatively affecting my credit reputation. I request the debt to be removed from my credit report because the balance is paid.
Consumer complaint received 2015-05-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Citi Financial Mortgage - Illegal withdraw of money and failure to return money in a timely mannerI refinanced my loan with Citi Mortgage. I had my previous loan with Citi as well. The refinance closed XXXX following a 4 month process that required me to involve various managers regarding a failure of mortgage service to process my loan. My problems are listed below:1. Single Point of Contact - this was not followed. I was given the numbers of XXXX mortgage agents that I dealt with. Neither returned my call in a timely manner. 

2. Fraudulent Withdraw of Funds - Following the close of my refinance 7 days later, Citi withdrew the previous mortgage amount of {$2000.00}. Upon calling Citi about this erroneous withdraw, I was given the runaround. See below as to what follows:XXXX - I was told they could not refund my money for 21 days. I told them they withdrew money for a paid off loan. Citi said they would look into refunding my money faster and to call back Monday. 
XXXX - I called back and Citi went through the same process. I spoke with a manager who would not give me a direct number to contact them. They said they would look into it and get my money back ASAP. They were to return call me back that afternoon with details. 
XXXX - After not receiving a call, I called again to check and received the same story : they would look into my problem. I said this was unacceptable and stated repeatedly that they had taken my money for a loan that was paid off. After finally ( 45 minutes ) making it to a manager, she looked into my loan and said they applied the money they withdrew to my new loan. I told them this was unacceptable as the money was mine and my new payment did not start until XXXX. They then told me they would redress the situation and overnight my check back to me. 
XXXX - I called to check on the status of the supposed overnight check and was told that they were cut and mailed XXXX - After not receiving my repayment, I called again to request a tracking number. I was then told that the check was not sent overnight. Rather, it was mailed and that I could expect it within 10 days. 

This is the problem : They withdrew money from my back account and have refused to refund it in a timely manner. I have received several 'answers ' and 'solutions ' to my problem but have not received a resolution. I have spent literally hours of my valuable time on the phone in order to redress this error on their part. They have committed a crime and they have not worked in an efficient manner to redress the issue. {$2000.00} of my money that was taken is now tied up in a bureaucracy that refuses to address the problem in a timely manner. 

From the failure at the SPOC to the illegal withdraw of money to my account, to the almost comical way they have attempted to return my money, Citi has taken advantage of me. Their fraudulent action must be addressed on an individual and institutional level or this will continue happen to many others.
Consumer complaint received 2015-09-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (FL)

I have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there have been attempts to open accounts from an address that is unknown to me in my credit files.