davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

I was sued for a debt by A collector claiming to be the current creditor, we went to court, and the court concluded that I do not owe the debt. The court gave me paperwork to send to the XXXX credit reporting companies, XXXX deleted the account, XXXX and XXXX noted that I made A dispute, but LVNV funding claim that I still owe the amount, even with the court order. I have been denied loans and my credit score is affected by this, and this company LVNV funding will not give up. Please look in to this matter and see what can be done, Thank You
Consumer complaint received 2015-07-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Systems, Inc. (FL)

I did not know i can request an annual requested from XXXX to my dismay I then saw an entry from revenue system inc I then decided to call and inquire. I was told by a XXXX that NO RECORD FOUND he had me repeat name numerous times then transfer the call to a XXXX who is NOW XXXX who stated NO record found to read info on report and stated NO record to give phone # she will assist with credit report error. she XXXX XXXX called same day XXXX weeks a go in XXXX XXXX to say NO RECORD. I ask for the phone # of vendor, ac #, date of report and why the vendor NOR THEY NEVER wrote a LETTER to demand debt NOW UNABLE to give information an file this false report. I got NO ANSWER. She XXXX stated THIS WILL STAY ON THE REPORT I WILL NOT REMOE IT. I ASK FOR DETAIL INFOMATION AGAIN she XXXX XXXX stated if I continue to demand information I will NOT TELL YOU hung up. I then disputed the debt. 
I am in receipt of the report it stated that the DEBT is verified to be removed in XXXX XXXX. 
I then call the Revenue Systems Inc spoke again to XXXX he then acted extremely slow and asked same questions over and over again when I ask to speak to representative XXXX I was told that XXXX will call back that it is a Flood Insurance, ask for insurance co name, phone, detail of debt he REFUSE to provide. only XXXX can answer you. Upon calling back XXXX NOW stated that my husband took policy. I told her my husband died more then fourty years ago, NEVER CAME TO USA UNDER WHAT Authority SHE CAME To that CONCLUSION I WAS TOLD THAT I TOLD IT TO HER THAT HE TOOK POLICY AND HAS A LEGAL SIGNATURE ON THE DOCUMENT FOR FLOOD INSURANCE XX/XX/XXXX REQUEST AGAIN COMPANY NAME PHONE I WAS RUDELY TOLD SHE WILL NOT TELL OR GIVE ANY INFO AND IF I AM UPSET ABOUT THIS THAT IS JUST TOO BAD AND IF I CONTINUE TO ASK SHE IS GOING TO HANG UP AND THE REPORT STAYS. 
CHECK WITH FEMA I AM NOT IN A FLOOD ZONE. I AM A VICTIM OF FALE REPORTING FOR PERSONAL GAIN AND ABUSE OF FALSE REPORT WITHOUT MERIT, FAILURE TO PROVIDE EVIDENCE OR CONTACT MADE BY XXXX. PREDITORY AGENTS AND ACTED IN BAD FAITH UNDER THE FAIR CREDIT AND REPORTING ACT TO CAUSE HARM AND DENY ACCESS TO REASONABLE INSURANCE RATES WITH ANY COMPANY AND CAUSE INEBILITY TO GET CREDIT. THESE PEOPLE HAS DELIBERATELY ACTED TO CAUSED HARM TO ME.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$160.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX  {$260.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Account on Equifax Credit Report Dear Equifax Information Services, I hope this letter finds you well. I am writing to formally dispute inaccurate account information that is currently appearing on my Equifax credit report. It is of utmost importance to maintain accurate and fair credit reporting, and I kindly request your assistance in addressing this matter. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Account Status : Charge Off Date of Inaccuracy : XX/XX/2023 Account Information : Creditor Name : First Progress Account Number : XXXX Account Status : Charge Off Date of Inaccuracy : XX/XX/2023 Upon reviewing my Equifax credit report, I have identified discrepancies in the account information provided above. Specifically, the reported account status is inaccurately listed as [ Incorrect Status ]. This misinformation is adversely impacting my creditworthiness and overall financial standing. 

I take my financial obligations seriously and understand the significance of accurate credit reporting. I am committed to addressing any legitimate financial responsibilities I may have, but it is equally crucial to ensure that my credit report reflects correct and up-to-date information. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough investigation into the validity of the account information in question. I kindly ask that you conduct a comprehensive review of the accuracy of this account with the respective creditor, [ XXXX XXXX ]. Should it be determined that the information is indeed inaccurate, I respectfully request the immediate correction or removal of the account from my Equifax credit report. 

Enclosed with this letter are copies of supporting documents that illustrate the inaccuracies present in the reported account information. These documents include statements from the creditor, payment records, or any relevant communication that substantiates my claim. 

I am aware that the FCRA mandates credit reporting agencies to conduct prompt investigations and provide written responses to disputes. I kindly request that you keep me informed about the progress of this investigation and provide written confirmation of the actions taken to rectify this matter. 

I appreciate your dedication to accurate credit reporting and thank you for your attention to this issue. Please feel free to contact me at XXXX or XXXX if you require any additional information or if there are further steps I need to take to facilitate this process. 

Thank you for your assistance in promptly addressing this matter and ensuring the accuracy of my Equifax credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/23, I opened a complaint against Equifax for not allowing me to manage my credit freeze online. On XX/XX/23, Equifax closed the case without resolving my issue. As of now, I am still unable to freeze or unfreeze my credit file as needed. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.
Consumer complaint received 2022-01-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CT)

On XX/XX/XXXX, I paid my first payment on my XXXX XXXX XXXX to Ally Bank. After making this payment I was instructed to choose the date I would like my monthly payments to come out on, I selected the 4th of every month. The next day on XX/XX/XXXX, a payment of {$340.00} was withdrawn from my bank account by Ally Bank, resulting in my account becoming negative {$270.00}. When I called to request they refund me, I was blamed for choosing the wrong date, and then told that the only thing they can offer is a check within 15 days, and they suggested I call my bank to put a stop payment on the amount. I informed the woman that the payment had already left my account so a stop payment wouldn't work, she assured me I was wrong. She told me to chose which resolution I wanted, the 15 day check or to call my bank. The woman was rude, again told me she was sorry but there was nothing she could do. I informed her that I have other bills that need to be paid, and she again offered me a 15 day check. This is my first experience and it was awful, and now I am behind on other bills because of their carelessness. After calling my bank, I was informed a stop payment couldn't happen due to it being out of my account.
Consumer complaint received 2023-08-11
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: DISCOVER BANK (NY)

DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. 
They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. 
DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! 
DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
DISCOVER CARD IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (OH)

I am the trustee of a trust set up by my brother-in-law who passed away XX/XX/2023. I received a letter from Discover, dated XX/XX/2023, informing that an application, number XXXX, was denied due to no credit record available. I did not apply for this card. I know his daughter and granddaughter do have his personal information. XXXX suggested I file a report.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
Inaccurate name : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (UT)

Robinhood has put a bogus restriction on my account. They have hundreds of thousands of my dollars frozen. I have repeatedly tried contacting robinhood through phone and chat support and have been told there is nothing the support team can do. Unbelievable that Robinhood feels it can steal clients money.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

I never gave written consent for any debt collector to report on my consumer report. Congress never defines credit report yet Im being denied my credit because of a credit report number. Let me correct that. Title 15 U.S.C. 1681 ( 4 ) 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.Title 15 1691 Scope of Prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The consumer has an open ended credit plan but due to information on my consumer report that I never gave consent to report it seems my credit is blocked. They have been misleading the public by calling themselves bureaus when they are nothing more than agencies.
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

I received this call on XXXX/XXXX/16. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. I was told to call XXXX, which is strange because my caller ID displayed the number XXXX. This leads me to believe that this is a spoofed number. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.
Consumer complaint received 2023-08-11
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: JPMORGAN CHASE & CO. (CT)

We canceled our card with Chase back in XX/XX/XXXX. We had a XXXX balance from XX/XX/XXXX statement all the way through to our XXXX statement where they put a yearly fee of {$49.00} on the account. I immediately contacted them via their website on XX/XX/XXXX at XXXXXXXX XXXX that this account should have been closed by them months ago and to remove the yearly fee. On XX/XX/XXXX at XXXXXXXX XXXX  they responded. Part of the letter they sent through the message board on their website was " We closed your account, as you requested. We'll refund your account. '' I just received the new statement for XX/XX/XXXXXXXX XXXX XXXX. The refund shows ( dated XX/XX/XXXX ). There is a notice on this statement that says, " Your account is closed and no longer available for use. '' This tells me that they accept that the account was closed when the yearly fee was posted on XX/XX/XXXX. However, there was also a CHARGE from XXXX dated XX/XX/XXXX ( posted XX/XX/XXXX )! 
I called them and said that if the account was closed then they should not have accepted the charge from XXXX for the amount of {$210.00}. In other words, the error is by Chase. They told me that I had to go to XXXX  and have them reverse the charge and charge my other card ( not a Chase card ). I told them that this was not my mistake and their website gives me the option to dispute the charge based on the fact, in my mind, that it is their error. Later, I contacted XXXX. They agreed with me that if they reverse the charge it will automatically cancel my subscription! They also said that if Chase reverses it, their computer will automatically charge the other card on file. No harm done to the subscription. 
This morning, I was alerted that there was a new letter from Chase on the website. Chase 's system does not have the option for the refund for Chase 's error so they coded it as that I " believed the merchant didn't provide the services... purchased ''. 
Therefore, when they went to verify it came up that I DID receive their services and they declined the dispute. 

I would like to know if there is any way to make Chase fix their mistake and clear this charge from my closed account.
Consumer complaint received 2023-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upgrade, Inc. (FL)

Upgrade continues to call me over and over Mutiple times in one day. In the past 2 days they have called me and left messages 8 xs. I have already explained to them that I am having trouble paying and am out of work due to a XXXX.
Consumer complaint received 2023-08-11
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (AL)

I contacted Holloway Credit Solutions to attempt to resolve any debt owed them for my daughter 's medical bills. I first spoke with the original creditor, XXXX When I contacted Holloway, I spoke with a lady that identified herself as XXXX XXXX. She continued to increase the amount of debt owed. We started at {$1100.00} and at the end of the conversation, she stated I owed over {$4500.00}. Her exact words were " you should take it out of your XXXX if you have XXXX '', in a very threatening manner. She also stated " we 'll keep reporting you to the credit agencies every week unless it 's paid in full ''.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OR)

On XXXX I was reviewing my checking account when I noticed abnormalities. I found that when I used my debt card to make phone payments and other transactions that instead of taking the money out of my checking account which was well funded U S Bank would make a fictitious account in the exact amount of the charge. Next they would charge this fraudulent account ( I say this because I never authorized any other accounts ) a fee of {$19.00} which isn't explained so that when they did attempt to pay the bill there would be insufficient funds ( by {$19.00} ) and I would be charged a overdraft fee.

On one instance on XXXX I got a {$620.00} bill from my home security company, instead of taking the funds from my checking account ( which held over {$4000.00} that day ) after the fees this {$620.00}. bill cost me over {$800.00}.

There were many other examples of this but when I brought it to the attention of XXXX XXXX at US Bank they blocked my access to my account history. They changed the fees to unexplained amounts but the account balances both before this transaction and after still show {$860.00} difference for a {$620.00} charge. They have denied me access to my moneys in my account ( theft through fraud ) for years and have actually hacked and made my files inaccessible. I need help dealing with this institution. I want ALL fees returned, an amount equal to what has been removed ; with interest, attorney fees paid, and a {$100000.00} tax free cashiers check as punishment. Doesn't sound like much but at this point I'll settle without court. If I have to argue this the all costs will become much higher. 
Thank You, XXXX XXXX