davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P. (OH)

Fraudulent activity has been occurring ever since the XXXX data breach and I need help resolving with the Issues. I have attached a police report and I have disputed the items with the credit bureau.There is incorrect information on my credit report. My correct info is on the police report. My mailing address is XXXX. XXXX XXXX XXXX Ohio XXXX, my phone number is XXXX. Thanks
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NJ)

Hello, My name is XXXX XXXX and I am writing this as an appeal to my claim that was denied and to aid Chase in the investigation of the fraudulent use of my debit card. In XXXX of this year my card was hacked and I was robbed of XXXX dollars. I was made aware of this when Chase declined my card and I had to call in. I was told that my card was declined because someone was using it at the same time. They closed the card and I was issued a new card. We went through the transactions and I identified the many transactions that were fraudulent. Chase returned the money and began an investigation. Now months later they reversed it and denied my claim. I called to ask why because I know these transactions are not mine, and no one is giving me any information. I know these transactions are not mine because I have never been to any of those places. I am new to the XXXX area, I do not have a car and I do everything within my area. I see a name on some of those transactions listed XXXX XXXX I have no idea who that is. Also many of these transactions were used using a digital wallet on an XXXX  and I have never used or owned an XXXX. I have only had an android my entire life and use XXXX XXXX. One bit of information I was told was that my ip address is somehow connected to these transactions. I am not an IT specialist but I would assume that an ip address can be hacked, especially because I was told my card was closed because someone was using it at the same time. I recently filled out a police report because I want whoever did this to me to be held accountable and I want answers. I have called Chase numerous times to get answers and no one is telling me anything. I am deeply saddened as I have been banking with Chase for over 15 years and I trusted this institution to keep my money safe. I am honestly afraid to bank with them any longer and am considering closing my account. It is sad that I would rather go to a check cashing place than to put my money in the bank. I keep getting vague and different answers from different people. I would like to see the notes on this case so I can get some clarity and I want my claim to be reopened. I did not do this, I work hard for my income and saved because I am a contracted XXXX  and did not work this summer. I have rent and bills to pay just like anyone else and to do this to a loyal customer especially during a pandemic is reprehensible. Should I be seeking legal counsel? Please I need help, I need answers. Thank you Sincerely, XXXX XXXX
Consumer complaint received 2022-08-25
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)

I HAVE RECENTLY NOTICED SEVERAL ACCOUNTS THAT ARE CURRENTLY BEING FURNISHED THAT ARE RESULTING FROM IDENTITY THEFT AND ARE NOT AAUTHORIZED BY THIS CONSUMER
Consumer complaint received 2022-05-05
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681.

US DEPARTMENT OF EDU XXXX Has violated my rights US DEPARTMENT OF EDU XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX 
XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 a 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 7 years. 15 U.S.C. 1681 s-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.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I received a letter from Jefferson Capital dated XX/XX/21 stating I owe a debt in the amount of {$680.00} w/ a description of " XXXX MC '' and a settle offer for {$370.00}. The issue is I have no knowledge of such debt. It states due to the age of debt they are not allowed to sue me but I don't want any damage to my credit either. I didn't have any accounts owing anything. Please provide a copy of any contract I signed or please refrain from attempting to collect amounts from me. Thank You.
Consumer complaint received 2019-02-27
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I asked TransUnion to provide proof that I applied for credit due to numerous credit inquiries on my credit report ( have had prior freezes and alerts due to fraud ) and they told me that they can not remove them and that they all have permissable purpose. When I asked which permissable purpose that was, I just receive a regurgitated letter telling me the companies could pull at will, basically and I could do nothing about it - not so according to 15 U.S.C. 1681b. TransUnion told me they were closing my dispute and I could no longer dispute it.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (MI)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and XXXX XXXX  XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The week of XX/XX/XXXX, I made a call to USAA to inquire about graduating my secure credit card to a non-secure card. I was told by the rep I had to apply for a new card ( the rep never took into account that I already have 4 cards with USAA and was only inquiring about the secure card that I have held for 7 years ). I made a request to speak with management regarding this matter ( I was placed on hold for 6 min. ). Then I was told that a manager was not available and that one would contact me. I waited nearly two weeks for the call. On XX/XX/XXXX, I reviewed my USAA credit card account only to find that my credit limit had been cut in half ( from {$6000.00} to {$3000.00} ).  This card had not been used for 4 months due to my paying off my credit card obligations ( and having excellent payment history for the past 24 months and being out of work for 6 months during this covid pandemic ). In doing so USAA is liable for creating a negative effect on my credit history credit card utilization thereby causing harm to my personal credit. The representative took personal action to lower my high balance card due to our conversation. There is no way, that USAA can say that my limit decrease was due to credit when all of my other cards limit were not changed with USAA. I want my card limit restored.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WA)

I have a new loan with Loan Depot and have had two payments withdrawn from my checking account this month resulting in overdrafts. Customer service has been completely unhelpful as I have attempted to have one of the payments refunded. I had set up automatic payments to go out on the XXXX and has verbal confirmation that was in place. A payment went out on XX/XX/XXXX. I called to complain and confirmed the XXXX as the date for withdrawal, beginning in XXXX and told that would happen. On the XXXX XXXX ANOTHER payment was taken from my checking account. I called to complain again and asked for a refund ASAP but nothing has happened yet. I am again overdrawn on my checking account and have made two unexpectedly timed payments this month. My processing team has made inquiries to the servicing branch in NJ and has had idiotic responses.
Consumer complaint received 2020-10-14
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (SC)

The company sent me a letter stating that they would give me a 10 % discount on a debt. The debt was {$4800.00}, and according to their letter, they would allow me to settle the account for {$4300.00} ( a savings of {$480.00} ). The letter said I could pay online, so I signed up for an account, clicked on " offer letter acceptance instructions '' and followed the directions it provided to make my payment. I submitted my payment for the {$4300.00}. Then the next day ( today ) I checked the account, and it said I still owed a balance of {$480.00}. I called them and aside from being utterly rude and giving me the run around, they said that somehow I didn't check the right offer box when I made my payment so they will only consider it as a payment toward the entire amount. Basically, I made the EXACT payment they said would settle the account, but because I didn't check a box when I submitted the payment online ( a box which doesn't exist ) that I now have to pay the full balance. I have copies of the offer letter and a photo of the the payment instructions on the screen which doesn't have any " offer box. '' I followed 100 % of the instructions.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX TODAYS DATE:XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX CHARIOT XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX , FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers do not belong to me ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular EMPLOYEES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX
Consumer complaint received 2020-10-26
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. (FL)

An account listed as XXXX XXXX & XXXX Account XXXX on my credit report says I am an authorized user, which I am not. I filed a dispute Report NumberXXXX with Experian on XX/XX/2020. I called the credit card company on XX/XX/2020 at XXXX XXXX XXXX and tried to resolve this issue. At that time they confirmed that my social security # was not in their system as a card holder. They also let me know that they couldnt help me without the full account number, which I do not have. I have the same name as my father, XXXX XXXX XXXX and I am certain the account belongs to my stepmother ( she even confirmed the balance that I shared. She even tried to call XXXX XXXX and resolve, though they let her know that they dont write letters to account holders saying who is or isnt on the account, which I was hoping to use to prove I am not an authorized account user on this card.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (ME)

Received attached letter stating I applied for credit. I did not apply with this entity, as I already am well aware I would have to travel 200 miles, in order to obtain this. I did not attempt conducting business with this entity, and this is possible fraud. Please recheck your records.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account FEDLOAN SERVICING is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

I Paid vendor using this card to make an video for my business. And as part of the initial order the Vendor is supposed to send me the sample video and if i dont like the video they will refund the money i paid. 
But this vendor never sent me the sample video and not sent the full video. 
I contacted Bank to open dispute and Bank opened dispute and after few days they closed the dispute. When i asked Bank why they closed the dispute they said that vendor said that there is no error. This answer from Bank completely blown me away as the reason i opened dispute is that vendor didnt give me the service.. i did not open dispute saying its fraud ... all i am saying is i paid for this vendor and the vendor didnt fulfill the order and so technically i have to get my Money back. 

If Bank thinks the vendor provided service they should that proof from Vendor. Instead of asking that they are simply closing dispute. 

I tried to open dispute again but with futile efforts. 

Attaching the documents with resolution from Bank on both of these disputes. 

I am coming here for help.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

I applied for a Chase XXXX XXXX card on XX/XX/2021. The financial institution, Chase Bank, N.A. , INC denied my application after already entering into the consumer credit transaction. By placing my social security number on an application, creating a debt ( defined under 12 CFR 313.3 ) owed to the United States pursuant to 20 CFR 422.402, giving a security, this creates a financial asset. Pursuant to 12 CFR 360.6, Chase Bank N.A., INC is an investor ( defined under 12 CFR 360.6 ) in this financial asset. Chase Bank N.A. , INC has also accessed my credit report 4 times. This constitutes as unauthorized use pursuant to 15 US Code 1602p because everyone benefited from this transaction but me. After speaking to one of their customer service reps, he advised me that when I submit the application, I am giving them permission to access the account however many times they need to. After the information conveyed through this call, I went back to their application portal to find the terms and conditions, and no where in those terms and conditions does it state that by submitting the application, I give those permissions. This is fraud and 4 receipts from Chase Bank N.A. , INC are reflecting my consumer report. This is inaccurate information being reported and as a consumer my credit history is being impacted negatively.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (CA)

I got a phone call from IQ Data International in an attempt to collect a debt this morning XXXX XXXX at XXXX XXXX regarding a {$250.00} charge that I owed to XXXX at XXXX XXXX XXXX. I was a resident at XXXX ( Located at XXXX XXXX XXXX  XXXX XXXX, XXXX, Ca XXXX ) for a period of 13 months, and moved out on XX/XX/2020. According to IQ Data international, I owe {$250.00} to XXXX and now my account has been sent to IQ Data to be collected. I had already contacted the XXXX at XXXX XXXX XXXX management about this matter on XX/XX/XXXX asking them to call me back because I disputed the charges and did not understand the charges. XXXX has wrongfully charged me for 1 day extra on that bill, claiming they did not get the keys from me until XX/XX/2020. Also, they claim that I have not returned all keys to them so there is a lost key charge ( {$50.00} ). There are some additional charges on the account that I  was never told and I never agreed on when I had the manager over for the final walk through of my apartment. 
XXXX management has changed multiple times during my 13 months stay, and there is always a mismanagement of that place. XXXX owes me {$1500.00} for a client referral and has not paid me as of today. They referred my account to IQ Data International and this company called me this morning and the guys were super abusive on the phone. They were yelling and threatening me to pay or they will hit my credit asap. I told the guy I disagree with the charges and I am disputing and he started raising his voice and started became very hostile and abusive. Then I asked for a manager and XXXX came on the line and he was even worse than the first guy. Raising his voice yelling and threatening he will hit my credit and I must pay now. I told him I will be going to the XXXX to resolve the issue and he said they wont see me or they wont talk to me, which was not true. I went in and tried to talk to the new manager and they are gon na look into my case.