davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CO)

My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO  XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws. Furthermore it appears my account may have been transferred again to another collection agency who i have never heard of. ( Southwest Credit ). That is a double FDCPA violation because not only didnt XXXX  not send me a final bill and damage my credit, Southwest Credit never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX   and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$210.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In addition I spoke to XXXX XXXX with Southwest Credit on XX/XX/XXXX to advise my concerns with them damaging my credit by placing this alleged debt on my 3 credit reports. I also indicated to Mr. XXXX my intention to file my complaints to the proper agencies and I would not make any payment without their removing the erroneous negative trade lines on my credit reports AND send me proof of debt to include the accounting on how the alleged balance was calculated. I previously open complaints against XXXX / XXXX in which they never answered to and Mr. XXXX revealed that XXXX noted the account instructing to continue collection efforts even though they ignored to answer to the official complaint and to provide me with final bill breakdown. This is a violation of my rights to dispute a debt. 

DEBT. SOUTHWEST CREDIT  XXXX XXXX XXXX XXXX TX XXXX Reference /Account number with Southwest Credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (OH)

Hello, I have contacted Chase 3 times attempting to resolve this problem. Each time, I am placed on hold for over 40 minutes and no one answers. The customer service reps have difficulty understanding me and have a poor connection on their phone. The reps transfer me to their credit department and I am left hearing very loud distorted heavy metal music, while on hold for 40 minutes.

Anyways ... my credit report shows the following incorrect information for my Chase credit card.

# 1 - The are remarks from Chase stating " Account is in dispute ''.

# 2 - The payment history shows from XX/XX/XXXX to Present. 

I have never disputed this account. Why are these remarks listed on my credit report? Also, the account was in XX/XX/XXXX. The payment history from XX/XX/XXXX to present should be reported.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, there was an unauthorized withdrawal in the amount of {$1800.00} from my chase bank saving account. Reported to chase bank & closed compromised account and created a new saving account immediately. Banker in chase branch promised it wont happen again as the account now set as high alert. On XX/XX/2022, another unauthorized withdrawal in the amount of {$1900.00} from the newly created saving account. Chase bank has a very poor security system which has no protection to their customers.
Consumer complaint received 2022-07-18
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

I recently pulled my credit and noticed that Knight Adjustment Bureaus is reporting a debts on my credit file that I no longer owe or have a balance. Knight adjustment bureau is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting Knight Adj bureau to remove this debt off my credit file Knight Adj Bureau Account # XXXX - XXXX XXXX. XXXX Accounts # XXXX - XXXX
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (PA)

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 : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I have been discriminated against due to my race and name. Applied for investment home mortgage loan provided all the necessary paperwork, healthy savings account info, all my assets, and current up and running business profit and loss reports along with business bank statements. I was provided with a mortgage commitment by the letter 2-3 days prior to my closing the underwriter decided to ask for more paperwork which was also provided for them. Then the decision the underwriter made was to deny my loan with no proper reason, just with the excuse that my company was not profitable which is not true. All reports were provided with large profit balances statements. If someone can please help me investigate this.
Consumer complaint received 2020-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX I used the zelle feature offer through my financial institution mobile app to send {$700.00} to purchase a puppy from a website called XXXX. The money was sent to XXXX XXXX associated with telephone number XXXX. {$500.00} was for the purchase of the puppy and {$200.00} was said to pay for the flight to fly the puppy to me. Upon making the payment I did receive confirmation from XXXX that the payment was received and that the puppy would be given a vet check and then a carrier services/XXXX XXXX  would be handling the flight and delivery everything to this point seemed legit. On XX/XX/20 I then received phone calls/text messages from a individual from XXXX who said they were the pet carrier agency that would be handling the flight and delivery of the puppy, but asked the we send {$1200.00} for insurance and that the money would be refunded once the puppy was delivered. This didnt make any sense and the person we were speaking too could not provide me their email address or company website. I told them that we didnt have that money nor were we prepared to pay that and I would need to figure something out. They also sent an e-mail from XXXX confirming the same information. We were never advised by XXXX XXXX that we would have to pay this fee in order to get the puppy nor do I have that amount of money to pay even if it would be refunded. I then reached out to XXXX to ask for a refund since I would not be able to pay the {$1200.00}. She responded that she already paid for the flight and would not give a refund. I asked for proof of the flight payment and advised that if the flight was already purchased that I would just like the refund for the puppy. She has now stopped responding to my text messages and calls. I submitted a request to XXXX through XXXX to request a refund which she did not respond to. I called my financial institution Chase Bank to request assistance in filing a fraud case and was advised that they can not help since I authorized the payment and payments through XXXX are not guarantee. I don't agree with that. XXXX is an option they offer through their mobile application its not a sight that I am using outside of my banking how can they do nothing knowing that this is fraud. Additionally if they are now aware that this person is fraud, why can they not contact the other financial institution so they are aware or to at least try to get a refund on my behalf. I feel this is unfair practices to offer a payment option they do not guarantee or provide any assistance to help recover my money. I am a XXXX XXXX XXXX student who is now out {$700.00} that I can not afford and no one will help me. THIS is FRAUD. Can someone please help me? How can Banks offer this payment option and do nothing to help?? If the Banks can not help, shouldn't there be some liability on XXXX??
Consumer complaint received 2022-09-16
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. (PA)

I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC report
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (MO)

Order XXXX was placed to Nordstorm, they shipped said order by XXXX XXXX. XXXX XXXX tracking. The said package arrived in a small box. However, upon opening the package, only one item was in said package. This was a tshirt/tank top. I advised nordstrom via chat and was told a refund would be issued. However, they denied the claim and stated the package was delivered. The delivery was never in question, what was in question was the items packaged. I only have one item. They need to refund the items not included. They have an issue with the warehouse.
Consumer complaint received 2020-05-18
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)

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

These debt does not belong to me. Ive tried to dispute twice i would like further input on these accounts. Its on all three credit reports. 

1 ). Account number XXXX Balance Amount {$570.00} 2 ). Account number XXXX Amount {$310.00} 3 ) .account number XXXX {$230.00} 4 ). Account Number XXXX {$280.00} XXXX ) .account number XXXX {$480.00}
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax ( and only Equifax -- the other two CRAs don't have this issue ) lists a former address as my current ( they are missing my two most recent addresses, and list a former address in another state as current ). I would not care, except this is causing issues with financial institutions/applications. 

I have made repeated attempts to directly address the issue with Equifax, including ( 1 ) filing two disputes ( XX/XX/20 and XX/XX/20 ) with them to have the information corrected and providing substantiation and ( 2 ) calling their GCC team, who are distinctly unhelpful ( their call center automated system doesn't verify properly ; and seems designed to shunt people to cheaper servicing options -- this would be fine if their automated/online systems worked ). GCC simply reads back that my former address is still listed as current without providing any clarity as to why they haven't corrected the address ( based on the information I provided as well as all the info the banks have been directly submitting to Equifax ( my addresses are properly reflected with those companies ) ). Curiously, Transunion almost immediately update my report with my new address after I updated with the financial institutions -- unclear what's the deficiency with Equifax.
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (NY)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-17
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. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

My balance transfer convenience check for XXXX due XX/XX/XXXX was charged to my account on XX/XX/XXXX. A 5 percent fee of XXXX was then charged because the loan was otherwise interest free thru XXXX, XXXX. Another promotional offer is on my account where all interest is deferred and interest will be waived if the balance gets paid by XX/XX/XXXX. My account payments and credits were applied to the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. This makes the XXXX 5 percent check fee much too expensive as well as misleading. XXXX, who gave no last name initial, said on XX/XX/XXXX about XXXX XXXX  that my payments could not be re-alloacated to the balance due XX/XX/XXXX. I just authorized another so-called minimum monthly payment which no doubt will reduce the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. XXXX said there is no Supervisor to review my complaint because XXXX is an " Escalation Specialist # 5. '' He said I should have known better than to accept the Balance Transfer Convenience Check that they sent in the mail. The terms say payments are applied to the lowest interest rate first. Since the XX/XX/XXXX loan interest is deferred and subject to full waiver, it makes no difference to them that I am currently paying zero interest on that loan.