davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (MT)

In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.
Consumer complaint received 2020-07-07
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. (CA)

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX {$21000.00} Opened XX/XX/XXXX XXXX XXXX {$15000.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  - XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX {$4000.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (VA)

I have reached out to this company on several occasions. They failed to provide validation of this debt. Sending me a copy of a bill or account summary does not validate a debt. I specifically asked them to send me the contract bearing my signature and they failed to do that. Therefore, they are not validating this debt.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-07
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. (KS)

I am writing in response to my previous request under complaint XXXX. You did not respond to that complaint because of address information. Please note, I have moved. My new address is XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX. 

Your full name including middle initial. XXXX XXXX XXXX Social Security number XXXX ( attached copy of card ) Complete addresses for the past two years : Current : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Previous XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX Previous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX  XXXX Date of birth XX/XX/XXXX Please see passport ID and card. 
Please see insurance bill dated XX/XX/XXXX You are in violation of 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( and Section 611 ( 5 ) ( A ). Delete these items or I will file a lawsuit against you. This is my original complaint below. On XX/XX/XXXX I sent a verification letter to Experian requesting verification on three accounts. ( see attached letter ). Requesting Verifiable Proof USPS tacking XXXX XXXX XXXX XXXX XXXX I have attached a photo of the envelope with tracking as well as the USPS tracking that shows it was delivered at XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX, Experian wrote me back saying that the accounts were verified, but delivered no such proof. On XX/XX/XXXX I wrote back ( tracking XXXX which was delivered on XX/XX/XXXX at XXXX ) Your report states : This item was updated from our processing of your dispute in XXXX XXXX. Please be advised that updating is not the same as verifiable proof, and you failed to provide any such verifiable proof. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Experian had 15 days to respond. I did not receive a response until XX/XX/XXXX almost one month later. This is cearly over the 15 day verification limit. Please have Experian delete these accounts. On XX/XX/XXXX I sent a FCRA 611 ( a ) regarding USBK Court XXXX  XXXX reference XXXX. Tracking number XXXX XXXX XXXX XXXX XXXX that was delivered XX/XX/XXXX. On XX/XX/XXXX, I finally received a response where Experian says this was verified but does not say how AND THEY HAVE EXCEEDED THE 15 DAY TIME LIMIT AND THIS MUST BE PERMANATLY REMOVED. On XX/XX/XXXX. I sent a verification letter to experian XXXX XXXX XXXX XXXX XXXX under FCRA 611 ( a ) ( 7 ) to verify USBK Court XXXX  XXXX reference XXXX that was received on XX/XX/XXXX. As of XX/XX/XXXX, I have not heard about this, and Experian has exceeded the 15 days THIS MUST BE PERMANATLY DELETED.
Consumer complaint received 2020-07-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lake City Credit (PA)

I received a phone call at the beginning of XX/XX/XXXX from a man identifying himself as an employee of Lake City Credit. He said he was attempting to collect a debt from a company called XXXX XXXX. 
I explained to him that I had paid another company a portion of that debt before realizing that they did not in fact own that debt and that I suspected this company, Lake City Credit had acquired that illegitimate debt. 
He refused to acknowledge this possibility and threatened to report me to the credit bureau for being delinquent. 
I told him that I did not want him or his company contacting me again. 
I received a bill from this company about a week later. 
I wrote to them on XX/XX/XXXX declaring that they leave me alone other than to prove that they owned this debt and had a legal claim to collecting it. 
They responded with a list of payments and dates that I had made to a different company in XXXX. There was no statement from XXXX XXXX, or any other company. 
I received an invoice from them on XX/XX/XXXX, stating that if I pad {$610.00} immediately they would delete my account from all three credit bureaus. This account is not listed on my credit report. It is not legitimate, they are trying to cheat me out of money based on a credit card that I had over 20 years ago.
Consumer complaint received 2020-07-07
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: EQUIFAX, INC. (TX)

XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all ftc violations enclosed and listed here
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION (TX)

My vehicle became a total loss in XXXX of 2020. My insurance have issued a total of 3 payments in order to resolve the issue. However the checks are being rejected and no one has given a reason as to why. Also I relocated in XXXX of 2020, and I updated my current address at that time and Ive never received any correspondence of any type until XXXX, after I sent a few emails to total loss trying to get answers and I put all information that i assumed was needed in the email in hopes that things would her done & there would be no excuses. Still no response to emails or no contact to discuss the issue with the returned checks or emails I had sent regarding the delinquent amount on my credit report. Ive never spoken with BBVA total loss department, only collection who had no knowledge of anything that was going on.. I have call and sent emails. In XXXX was when i received a credit alert saying that {$3600.00} was 30 days pass due as of XX/XX/XXXX. I dont know what this amount is and Ive contact BBVA loan department and no one is able to explain and suggest transferring me to Total loss who never answers. Just recently Ive received a notice in the mail and Im still puzzled because theres been a third check reissued in attempt to pay out the loan and the delinquent notice i received this month doesnt match what is on the credit report. This is a lot to type m, all Im asking is that this mess get cleared up, payments applied like they should have been months ago and my credit is cleared up with this outrageous delinquent amount. I do not understand how all this can happen with zero communication. Im finding out that checks arent being applied because i call and the automated system give me the full loan balance, less the gap payment that was also under paid because of BBVA giving wrong information. I was not aware of a {$3600.00} delinquent payment that has be placed on my credit i have no clue what that amount could possible be and no one has called or sent any notice about it. BBVA has failed at handling this total loss.. they have been issued a total of 3 checks not 1 but 3, 3 different times, in the same amounts and they cant seem to apply anyone of them to pay this loan off. I have never had a delinquent payment over the coarse of the loan never! Ive paid the loan even during hard times.. Durning my layoff due to Covid I had 4 deferred payments and that has been paid. I was never delinquent.
Consumer complaint received 2020-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Ditech Financial has been adding unexplainable amounts to my mortgage and now that I was transferred to XXXX, they continue to send unexplainable charges and refuse to talk to me now that I was transferred to XXXX XXXX. Looking back on an activity record XXXX sent to me, in XXXX, XXXX, the balance of my mortgage was XXXX, they added XXXX taking it back up to XXXX with transaction note of " BK Cost Assess ''. I noticed this transaction as I was disputing a recent XXXX fee Ditech sent to XXXX to collect with no explanation. In addition to that, the added a {$15.00} charge claiming someone had to come and see if the property was occupied when I communicated with them often. XXXX can not explain it, Ditech will not communicate with this company or myself but yet, I am required to pay it. I have paid more than XXXX= on this XXXX home and they continue to gouge adding fees from XXXXe to Ditect, rolling over to XXXX. Young and desperate for a home, I was not keeping up with my balance until I took my finances seriously. When they send the bill, I paid, no questions putting my trust in them. Please review and assist in this matter or advise on what steps I should take to resolve this issue. Thanks.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2016 I had funds in my account Td Bank charged me overdraft fees XXXX times. XXXX $ XXXX {$320.00} my negative balance at the moment is {$280.00} meaning I do have my own money there and I did have money there the same day " it went to negative '' as Td Bank claims. Their customer service is ridiculously rude, they sound like bunch of scam artist at the branch and over the phone. I 'm a new customer with this bank, I just wish I did n't switch over to them from XXXX. When i checked my balance it was showing my remaining balance for example : ( {$100.00} ) so this ( ) means that its negative? Never seen this done at another bank. Usually if an account is negative you will see it in red with a - {$100.00}. I 'm very upset with this situation, I have no idea where to get help with this matter. Went into the branch they did n't help me out, called Td Bank they did n't help me out, asked for a supervisor she did n't help me out. I have no idea what to do, this is not fair.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. 

A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies. 

Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies.
Consumer complaint received 2015-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Re : Citizens Bank, XXXX XXXX, Ct. 
Acct # XXXX, XXXX XXXX XXXX of XXXX XXXX XXXXI have multiple personal and business accounts with Citizens Bank and have been repeatedly told that because of the total large amount of money I have on deposit none of my accounts will be charged a service fee. On FOUR separate occasions I have discovered that for months Citizens has been charging some of my accounts a service fee. Each time I talk to and email my representatives asking for the fees to be reversed, for a written letter apologizing and explaning what happened, and for a written assurance it will not happen again. The first three times the fees were reversed but I never got so much as a phone call, let alone the written documentation I requested. Today I discovered that CitizensBank again has charged the above acccount a {$25.00} service fee on XXXX, XXXX, and XXXX/XXXX/15. I am not sure if they have charged my other accounts or my wife 's accounts on other dates.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report.

Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated.  Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of my credit report.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen and used my identity and has obtained a Car XXXX XXXX XXXX. Government Loans small business loan distributing 1099 forms. XXXX XXXX XXXX XXXX has forged govt docs /child support enforcing A lien on the XXXX XXXX XXXX he obtain to be Legally under his name. XXXX XXXX XXXX XXXX and his mother XXXX XXXX XXXX filed motions and suits using my identity. They were obtained by the two individuals, signed and dated. My mother XXXX XXXX is also involved as her number and address appears on my credit reports. Her address is XXXX XXXX XXXX XXXX XXXX. Those 3 individuals have obtained and opened my mail IRS mail, Stimulus and att general mail, local Police dept and other personal mail but will not release it to me. I have filed several police reports. XXXX XXXX XXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX at XXXX yrs old this began in XXXX but the identity theft and att general Docs signed XX/XX/XXXX. This individuals embezzle the funds and obtained them through the legal system XXXX XXXX XXXX XXXX XXXX XXXX  by false suits and motions.
Consumer complaint received 2016-02-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

I deposited a check # XXXX for {$4000.00} XXXX to a XXXX account in XXXX WI. Funds to cover the check was placed in my account 4 days prior to the date the check # XXXX was to be credited to the account in XXXX WI.However Chase bank did not release the funds on XXXX XXXX information given by the teller. Instead Chase released the funds on XXXX XXXX Wednesday, a day after.. Because of this delay to release the funds Chase charged me US $ XXXX.for insufficient funds fee and the bank in XXXX WI. also charged XXXX for insufficient funds fee. I want chase Bank to return the fee to my account and to pay back the fee charged by XXXX XXXX in XXXX WI.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

Today I received notification that Citibank is reducing the limit on all my accounts to just above the outstanding balance and would not provide a reason. I have not missed any payments and the account is not delinquent. 

When I reached out to Citibank and asked how to request a review of this decision, I was told I can not apply for a credit limit increase until XX/XX/2021. I am not asking for an increase - I am asking for the reversal of a negative action on my account that is unwarranted.
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (LA)

In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from XXXX XXXX about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.