davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (FL)

XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my XXXX bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past four ( 4 ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each XXXX closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a sixteen ( XXXX ) XXXX old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.
Consumer complaint received 2015-12-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Thaxton Investment Corporation (SC)

This company sent a live check to me which was cashed and I never applied for nor signed a contract with them. I was and have been unemployed since XX/XX/2015. they have reported to the credit bureas that i owe them XXXX on XXXX seperate lines. I have been harrassed by them coming to my home and communications by phone and mail. I have told them I have no account with them since we have no legal contract or any application. I think this company is some sort of scammer to get people of meager means to commit to them by sending out a live check to you even though they dont qualify for it due to thier finacial state. If you ca n't help me at least look into this type of lending practice
Consumer complaint received 2021-09-02
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. (MI)

Equifax reported negative inquiries on my consumer credit report from other companies. Equifax obtained information from someone else and took information from someone else without my knowledge. 
Under the U.S. Code 15 1681 ( b ) - Permissible purposes of consumer reports its against the laws and a violation. I did not give my written consent or permission to Equifax to report those inquiries to my consumers credit report. No consent is identity theft and identity fraud
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

HRRG collections contacted me about XXXX medical bills they say I owe XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I asked them to send me the statements since my I was insured and the bills exceeded my max insurance deductible. I still have n't received anything in the mail. the other day outsource contacted me about the same dates. saying I owe {$1300.00} and HRRG is saying I owe {$2500.00}. HRRG then called me today saying what I owe and when I asked why there was difference the woman got hostel and started yelling at me then I asked for the medical bill so I can take it to my insurance company and ask why I did n't get notified and why it exceeds my deductible. and the woman starts yelling at me and saying that sent this last year she was screaming something I need to contact someone else about and the company I do n't know she was yelling at me so much I did n't understand. I just want proof of what I owe and why. Not to be treated like a child and screamed at. both companies are claiming there collecting for the hospital. and when I to the HRRG lady this she said she mistaken she was collecting for the doctors not the hospital. at that point i hung up just seemed like a scam.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (CA)

Real Time Resolutions XXXX I do not understand why this account is reporting XXXX on mine and my husband 's credit file. There is also a late payment on XXXX that is being reported that is not accurate. Please update and correct my credit file immediately or delete these accounts of our credit files!
Consumer complaint received 2023-04-05
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX I contacted what I thought was XXXX computer support. The website had XXXX 's trademark and looked completely legit. Upon reaching a tech, " XXXX XXXX '' I was told that my XXXX account had been hacked and I had to follow the steps he told me to do in order to close the accounts that had been open in my name. I did what he told me and was assured this would resolve the problem, My compalint was honored by XXXX and they refunded {$6900.00}. However, through my XXXX XXXX adnadditional XXXX was transferred and i was duped into opening an account with XXXX to buy bitcoin as I was told this was XXXX of the accounts opened illegally in my name. I put in a claim to Chase and this particular claim # XXXX was denied even though at the time of the claim, they credited my account. On XX/XX/XXXX I was informed they denied it and would be debiting my account by {$540.00} on XX/XX/XXXX. I made a police report and a report to the FTC at the time of the scam which I have attached. At this time, I haven't heard about the XXXX other charges in the amount of {$510.00} yet. I actually have the texts from the " so called '' XXXX techs who scammed me with employee numbers etc. The phony website was removed that day. I went down that rabbit hole.
Consumer complaint received 2020-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, I tried logging into my chase account through the chase app and was denied access. Due to Covid-19, I waited until the next day so I can speak to someone in regards to my chase log in information. Today, XX/XX/XXXX, I was told by a representative that I am no longer a chase member and my checking/savings account was closed indefinitely. A decision made by Chase without my acknowledgment. I tried asking for reasons as to why this was happening? I have a clean record and money was consistently deposited on a weekly basis so my account was very much active. Their was response was, " Chase has the right to withhold information and not tell you why your account was closed. '' This is absolutely absurd! I decided to do research and thousands of Americans are faced with the same situation. Honest people with thousands of dollars being toyed with because Chase felt the need to close accounts without giving reasons as to why. I, like millions of Americans during this pandemic, am receiving my unemployment insurance benefit through Chase. This is extremely inconvenient and unjust. Our tax dollars bail out banks such as Chase constantly and we can't even get a solid explanation as to why our checking/savings accounts are being terminated. Something must be done about this.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$27000.00}.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (HI)

A debt of what was recently said to me of {$810.00} was a result of an overdraft fee from 2006 by a bank under FDIC. A phone call was received by company who was tasked with contacting me to deliver a summons or something to that effect provided me with the information of the attorney 's office that accepted the case. When I proceeded to contact this office a representative of this office did not fail to enforce understanding upon me of severity of paying the amount in full or be taking to court. However as I requested detailed information of the matter by rights of the first initial contact received, the representative refused to provide any information. As a military service member I then proceeded to take the matter to the Judge Advocate General who in representation of me attempted several times to speak with any representatives in that office and none answered or return a call on the matter.
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage / Quicken Loans gave me a Loan Estimate on XXXX XXXX which caused me to select them over other lenders and initiate my loan with them. On XXXX XXXX, 10 days into a 30 day close, so too late to start with a new lender, they dramatically raised the rate and origination charges.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XX/XX/2023
Consumer complaint received 2021-02-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Experian Report dated XX/XX/XXXX, XXXX shows I'm late XXXX, XXXX, XX/XX/XXXX. This report also shows I'm was late XX/XX/XXXX. 

Experian Report dated XX/XX/XXXX, now shows I was on time all of XXXX. They completed deleted my late payments. And this report states I was on time XX/XX/XXXX. 

Why does this company keep changing my past due dates? 

More recently, after my dispute with Experian dated XX/XX/XXXX, they changed the date this account was first reported, from XX/XX/XXXX to XX/XX/XXXX. Again, why does this company keep updated and changing the dates on my report? 

Furthermore, not XXXX nor Experian have supplied me with the information used to verify and validate my profile the way it is being reported to the credit bureaus. In addition XXXX states they no longer are in possession of this loan. If they are no longer in possession of it what do they keep incorrectly updated my file? 

Lastly, this account and case was dismissed by a Florida judge because after 11 months they refused to submit any documentation that substantiates their claim that I was in breech of a contract. 

This matter has been escalated to Florida Attorney General XXXX XXXX XXXX Consumer Protection Division and I'm actively interviewing attorneys to proceed with litigation.
Consumer complaint received 2023-04-05
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. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX
Consumer complaint received 2017-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (KS)

I sent certified letters to discover card requesting verification and proof of said credit card account on XX/XX/XXXX, no disputes were filed with any of the credit reporting agencies, XXXX XXXX or XXXX Discover card did not report the dispute nor respond in the required 30 days, verified. Again in XX/XX/XXXX again another letter send to Discover Card requiring them to send me the verification of proof or the said Discover account and all transactions with signature etc. Nothing again reported to the XXXX credit bureaus and letter was sent certified and again no response within the require 30 days. Again on XX/XX/XXXX letters sent again on verification and proof on said account by certified letter. A gain no respons with said verification of prrof and no reporting to the credit bureaus with in the require 30 days by the FCRA 623 ( a ) ( c ) Discover card instead has sent the said account to XXXX XXXX Attorney at Law XXXX XXXX XXXX, XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX XXXX in an effort to bully me and my position on the said account by Discover Card. XXXX XXXX had all of a sudden filed the dispute for Discover Card with the XXXX credit bureaus after 6 months, beyond the 30 days require by law and after much stress on me and causing harm to my credit. Discover card has still not provided any original proof of my original signature nor has cooperated in sending me all copies of the said purchases, detailed with what was purchased and dates. Discover Card can bully most consumers and destroy their credit and charge outlandish fees to the consumer. Clearly Discover Card has no remorse for their actions nor lack of ability to furnish any actual original proof Of said account. The law firm is clearly trying to use scare tactics and I remain firm in my resolve against both Discover Card and their illegal misuse of the system disregarding the FCRA 623 ( a ) ( 3 ) FDCPA section 807 ( 8 ) FCRA 623 ( a ) ( c ). XXXX XXXX has court seeking judgment against me XX/XX/XXXX without providing any original proof of said account and I will not let this law firm or Discover bully me as I have shown up three times all to be moved to a later date causing me more missed time at my job, more stress and longer credit damage. Discover Card is a deceitful company to the consumers and defrauds and misuses its place in the Credit Card world to the consumers.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-04-05
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

National Credit Systems , Inc. of N.C. 
XXXX XXXX XXXX System XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for National Credit Systems , Inc. of N.C. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXXXXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

National Credit Systems , Inc. of N.C., has invaded my individual privacy under 15 U.SA 1692 A.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX  XXXX / XXXX / {$1600.00} XXXX XXXX XXXX / XXXX / {$15000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MA)

I had Filed for chapter XXXX XX/XX/XXXX and was discharged XX/XX/XXXX. I had been disputing items on my credit report about things that was not correct and every time I dispute it something else is wrong. now this time it is saying that the accounts are charge offs after I filed for bankruptcy. I do n't think they should be reporting charge offs on accounts that were closed with a bankruptcy because they were sold off after I had filed. and if they were charged off and sold it should state that the date before I had filed. I t also says debt included in chapter XXXX on XX/XX/XXXX it was not included in XXXX it was included in XX/XX/XXXX with all my bills I handed over and it should also state by consumer 's request not XXXX request.