davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MD)

Around XX/XX/2022, acting as an agent and a beneficiary of my brother-in-law 's company ( XXXX XXXX ), I was to make a {$20000.00} wire transfer to a banking account of a XXXX  company as a payment for their products and services. On XX/XX/2022, I received an email from the company, saying that I should make a payment to their US account at Chase Bank ( XXXX, bank address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). I wired the money and then was contacted by the XXXX  company that their email account has been hacked by an unknown individual and that they filed the case with the XXXX  police ( I have a copy of the report ). I contacted Chase Bank about the possible fraud but Chase refused to provide any information about the transfer and the XXXX account. Beneficiary on the account was the XXXX  company ( XXXX, which is an aviation company out of XXXX ) but it was not the XXXX  company who opened the account. I understand that a cyber criminal opened the account with Chase lying about his/her identity as a representative of the XXXX  company. I also contacted the FBI cyber crime division but there is no response from them whether there is any ongoing investigation.
Consumer complaint received 2020-07-20
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that  previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX   all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I closed a credit card account with XXXX  XXXX XXXX in spring 2019 with a XXXX  balance. Ive now discovered that its been reported to the credit bureaus as a charge-off for a {$19.00} balance. XXXX  XXXX XXXX never made an attempt to collect from me and I did not know a balance was due. I called them and was not offered an explanation for the {$19.00} balance or an opportunity to correct the situation.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

There is financial sleight of hand & malfeasance going on at wells fargo ( again ). I have had this happen previously, and finally decided to take the time to report it. 

Whenever I use my debit card, the amount is immediately subtracted from my account. So unless there is an outstanding check or ach payment, the " available balance '' shown in the wf app on my phone should be accurate. 

On XXXX, after transferring {$270.00} to another account, my available balance showed to be approx. {$13.00} in the wf app on my phone. I then bought {$12.00} worth of gasoline. There were no outstanding checks or ach 's. 

The next day in the app, wf showed transactions having " posted '' to my " ending daily balance '' in an amount that they say left me short of covering the {$12.00} purchase and the {$270.00} transfer. So they charged me two {$35.00} nsf fees. They also paid the two transactions and claimed my balance was now - {$180.00} when it should have been positive approx {$.00} or {$1.00} The " posted '' transactions on XXXX in wf 's version of things, show to have been made days earlier, so they had been already subtracted from my " available balance ''. I keep close track of my " available balance '', so I know they had been subtracted already. None of those supposedly posted transactions that day had been {$1.00} holds as wf said to me on the phone, they were authorizations made for the full amount and subtracted from my available balance immediately on the day they were made, then subtracted again from my " ending daily balance '' when they " posted ''. 

The wf app will not let me take a screenshot. What's that about other than preventing people from easily having evidence? 

How can they charge me an nsf for having made a transfer the previous day from one wf account to another wf account? They allowed me to do it because my " available balance '' was sufficient, then the next day they charged me an nsf fee based on debit card transactions having " posted '' that night. None of the newly " posted '' transactions were ach 's or checks, only debit card transactions. 

This means they are telling me that they didn't know those debit card transactions had been made until they " posted '' days later. 

They were very willing to credit me the {$70.00} in fees and did so. But they claim I was short by approx {$110.00} when I know I was not, and my balance shows XXXX while it should show + {$.00} or so. 

This is evidence of fraud on a massive scale, from a company that has been caught cheating their customers previously. 
Thank you.
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (AZ)

This is not a duplicate! I did not request proof of validation, my concern is directly what rent recovery solutions llc reporting to the credit bureaus. they reporting two different account names and 2 different original creditors. please respond only to my concern.

XXXX  say the account name is Rent Recovery Solutions , LLC , but XXXX  just report Rent Recovery Solutions, that's two different names technically.

Also on XXXX  Rent Recovery Solutions LLC reporting their self as the original creditors which is inaccurate On XXXX  Rent Recovery Solutions reporting The XXXX, both can't be accurate. 

How was my previous dispute concerning to these matters to the credit bureaus was verify as accurate, you fail to correct the inaccuracies or delete them!
Consumer complaint received 2020-07-20
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)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

According to law if the bureau has incorrect information or not the original debt collector then they are violating my rights and it should be cleared. Please verify, my original contract with wet ink. 
Please send creditor information, itemized receipt and proof of ownership
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I made a transaction at a JCPenney in XXXX, New York, in which I was prompted to apply for the JCPenney credit card for a discount at checkout. The cashier reassured me that the inquiry would be a soft inquiry and that it would not show up on my credit report if I did not qualify. I am a student so I ultimately did not qualify, but as I left the store, I received a notification from XXXX XXXX on my XXXX report stating that the inquiry was processed as a hard inquiry. 

I first called the JCPenney customer service line and the assistant told me that that situation should have never happened and told me that they would open up a case on my behalf. I gave them my information but as of late, I have not heard back from them. I called the store after I viewed the hard inquiry on my report, to which the worker who responded told me that they would look into it and that they would call me back the next day. I did not receive a call from them so I had called them that morning and that evening, to which I did not receive a response. The manager of that store called me the next day and said that they would do " everything in their power to resolve the issue. '' I came back to the JCPenney location a couple of times to see if there was anything that I could do on my part to expedite the process, the first time being told that they would be in touch and the second time being told by a worker that " there was nothing that [ they ] could do. '' I waited 2-3 days to hear back from the manager and had not heard back from them, so I had decided to pursue the manner with XXXX directly as a credit dispute. I first called XXXX XXXX consumer report line, to which they advised me to obtain a letter of deletion from the credit card company. I called JCPenney 's credit card company asking for a letter of deletion, and I gave them my information as well as my address so that they could send me a letter to have on file. I made this call a week after I received the hard inquiry on my report and the assistant on the line told me that XXXX and I would receive the letter of deletion in no later than 15 business days and that the hard inquiry would disappear by the end of XXXX. On XX/XX/XXXX, over 35 days since I had made this phone call, I called XXXX again to see if they had received the letter from JCPenney, to which they responded that they had not received a letter from them and that the status was still the same on my report.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I closed a credit card account with Bank of America in spring 2019 with a XXXX balance. Ive now discovered that its been reported to the credit bureaus as a charge-off for a {$19.00} balance. Bank of America never made an attempt to collect from me and I did not know a balance was due. I called them and was not offered an explanation for the {$19.00} balance or an opportunity to correct the situation.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have a Capital One credit card being reported by XXXX, XXXX and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Capital One, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states : a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I did not report this credit dispute with Capital One to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which Capital One has accepted but not updated the account as Paid In Full.
Consumer complaint received 2020-07-18
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX of 2016 Capital One Auto Finance recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with COAF, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining my credit.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I have the Experian credit monitoring service and several accounts have been paid off, payment history improved but I credit score has NOT changed I received emails from Experian saying dispute resolved but when I look at my file there are no changes to the disputed items Experian fails to provide a valid reason as to why this is happening all other bureaus report the account changes as well as credit score changes Also there are inquiries appearing on my credit report that are updated yet Experian fails to remove they are over 2 years old
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I have a an account with Synchrony Financial through their Amazon Store Card. The card offers XXXX XXXX back on Amazon purchases, as well as the option for promotional financing on qualifying orders. These orders allow for deferred interest for periods dependent on the amount of the order. 

When logged in online at https : //amazon.syf.com/, you can manage your account settings. One such setting is the way you want payments allocated. I have since the beginning selected the option to allocate my payments first to the non promotional balance of my account. The option reads as follows : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Almost every time I make a payment, the payment is instead allocated to my promotional balance. This results in me carrying a balance subject to interest, especially when I do not follow up with the payment. After all, I have made a selection clearly to allocate them to the non promotional balance. I would have no reason to expect it to be allocated otherwise. 

The most recent example was a payment made on XX/XX/2020, before doing so I made sure that my selection was the option I described previously. It was when I checked, but I saved it again to be sure. I made a payment for the exact amount of my non-promotional balance. On XX/XX/2020 I checked and it had been allocated to my promotional balance! 

I contacted customer service chat and had it manually allocated, but they told me gave me several unlikely explanations : that my selection would take 1-2 weeks to process ( even though there was no change ), that it was a technical glitch, and that I had selected a different option. 

Then they told me I would have to have it manually allocated each time, something they have told me before. If that is the case, the page with the allocation options is outright deceitful! 

I am tired of having interest charged or wasting my time on customer service interactions any time I want to make a payment!