davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express set my due date as XX/XX/2019 which is XXXX XXXX bank holiday so banks are closed. I could not set my online bill payment for that date so payment would be XX/XX/2019. They advised on XX/XX/2019 that I would need to make a phone payment on XX/XX/2019 in order to avoid a late fee and negative credit reporting. They should honor the next business day as the payment so I didn't have to pay a phone pay fee to avoid a late charge.
Consumer complaint received 2021-05-25
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

A collection item from XXXX XXXX  appeared on my credit report that did not belong to me. I disputed the item with all three credit bureaus and all three confirmed that it was not mine and removed the item from my report. Now the same account has appeared again but is being reported by Portfolio Recovery Assoc. I once again disputed this item but Portfolio is claiming their information is correct and is refusing to remove it from my report. This is not my account and needs to be permanently removed.
Consumer complaint received 2021-05-19
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. (NY)

There is an incorrect past address on my Equifax credit report. 

I tried to alert them to this by clicking on the appropriate web page link, but the link did not work. They did not include a phone number to call to correct the problem.
Consumer complaint received 2020-08-29
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. (GA)

I have filed two different times a complaint against equifax, equifax placed a fraud alert on my credit report without my consent, I did not ask equifax to place anything on my credit report, they did not ask my permission I want the fraud alert alert removed, equifax phone system when you try to call does not always gets you to a person that can help you, I have been hung up on, I want this FRAUD ALERT taking off my credit file, equifax stil has not took all the inquiries off my report either, this needs to be corrected by equifax, please have equifax remove this fraud alert as I did not give no one permission to add this to my file .abd the inquiries that is still on my credit report.
Consumer complaint received 2020-08-29
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: ERC (TX)

I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX  ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-04
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the fraudulent items in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the invalid name XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action
Consumer complaint received 2019-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

Have been dealing with XXXX XXXX for 15 years!! We have had NUMEROUS problems with getting incorrect information, Improper distribution of loan payments, Unauthorized payments taken out of bank, Harassing and threatening phone calls ( sometimes as many as 7-8 times a day!! ), Changing terms/payment amounts without notice just to name a few. When we call or speak to someone from Navient, we will set up payment agreement, but then the next time we speak to someone, there is no record of any agreements. They have multiple call centers across the US and there is either no centralized records or improper documentation of the call. Most recently my wife set up payment arrangements on XX/XX/2019 however they claim this was only monthly payments and did not work to bring the account current, from what the claim were missed payments!! Often when we do make a payment ( There are 3 loans ), they would only distribute payment to 1 or 2 of the loans, causing the third to become late/delinquent. In XXXX I was deployed with military and due to issues with pay ( Not paid ) we were unable to make the payment. We called to make them aware and set up something  and are just now being told that no payment was made in XXXX!!
Consumer complaint received 2019-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding, LLC C/O Resurgent Capital Services Ref ID : XXXX Account # XXXX LVNV Funding, LLC C/O XXXX XXXX, XXXX Our account # XXXX Original account # XXXX I sent a dispute request to each of the 3 credit bureaus in XX/XX/2019 for validation of an account discovered on my credit reports, with LVNV Funding, LLC. After receiving a notification from the credit bureaus explaining that the account was validated, I contact the 3 bureaus to find out what evidence was used in the investigation and if I could obtain copies. Each of the bureaus explained that documented evidence was not provided and is not required for the bureau to obtain. I was then referred to the organization reporting the account to the bureaus. 
On XX/XX/2019, I mailed a letter to XXXX XXXX, XXXX requesting valid proof that I authorized and/or agreed to the terms and the initiation of this account. I also asked for all documents, including electronic records or images, which bear the signature of the debtor and which concern the debt being collected. This includes an agreement that bears signature of the alleged debtor where he promises to pay the original creditor. I also asked them to state whether or not they have this documentation to provide. ( Doc attached ). 
On XX/XX/2019, I received 3 letters from LVNV Funding, LLC. 2 letters came from LVNV Funding - C/O Resurgent Capital Services and the 3rd came from LVNV Funding - C/O XXXX XXXX, XXXX. The first letter from LVNV Funding - C/O Resurgent Capital Services, dated XX/XX/2019, stating they received my request and a review of the inquiry has been initiated ( Doc attached ). The second letter from LVNV Funding - C/O Resurgent Capital Services, also dated XX/XX/2019, stating that they verified the debt and included an account summary which didn't validate that this is my debt ( Doc attached ). The 3rd letter from LVNV Funding - C/O XXXX XXXX, dated XX/XX/2019, stating that the account has been placed with XXXX XXXX XXXX. it also included offers to settle the account.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

Last week, several transactions were made from my XXXX account without my authorization. Money was sent to a country I had never sent money to before and to people I did not know. Although I have previously used XXXX to send money to XXXX, this time, the platform was used to send money to XXXX country I had no prior connections with. XXXX failed to protect my data stored in their app and did not conduct adequate security checks, as shown in the documents attached. Additionally, they refused to help me with this matter. 

The folowing amouts where taken from my Wells Fargo Bank Account. : XX/XX/year> - {$100.00} XX/XX/year> - {$890.00} XX/XX/year> - {$250.00} XX/XX/year> - {$110.00} XX/XX/year> - {$1600.00}
Consumer complaint received 2019-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans is erroneously reporting two ( 2 ) thirty ( 30 ) day lates on me and my wifes credit report, which caused me not to be able to refinance my home loan.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2022, my identity was stolen. The identity thief opened an account at XXXX and made purchases. Three of the purchased items were shipped to my home address. The identity thief opened a line of credit for {$15000.00} at CitizensPay to pay for the purchases which totaled {$1400.00}. I stopped shipment of 1 item and a credit was issued for {$960.00}. CitizensPay is billing me for {$450.00}. CitizensPay has reported this debt to the Credit Bureaus. CitizensPay requested and I sent them the following documents 5 different times : Completed, signed, and notarized Identity Theft Victim 's Complaint and Affidavit ; Copy of my driver 's license ; Copy of Florida XXXX and XXXX XXXX for period XXXX XXXX to XXXX XXXX, XXXX  ; Copy of XXXX Police Department Report for Incident XXXX ; and, Copy of Federal Trade Commission Identity Theft Report # XXXX. 
CitizensPay has denied my claim 3 times. Accounts were opened at other banks including one that financed purchases made at XXXX. All other banks have identified these accounts as fraudulent and have closed the accounts. I requested that CitizensPay deactivate the account for {$15000.00} line of credit and they refused.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I recently noticed an unrecognized credit inquiry from ( see below ). According to our settlement agreement, all such inquiries were to be removed, and I would like this matter addressed promptly to ensure my credit report is accurate. 
Fraudulent and false inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX of XXXX XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX this XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of XXXX XX/XX/XXXX XXXX this XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX Dispute this
Consumer complaint received 2022-03-31
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. (LA)

Hi I am submitting this XXXX 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 n i made this clear for 60 days straight with XXXX  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 .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (FL)

RE : ( XXXX XXXX XXXX / XXXX XXXX ACCOUNT NUMBER XXXX I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I haveThis Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO ( XXXX XXXX XXXX / XXXX XXXX ACCOUNT NUMBER XXXX XXXX SENT TO XXXX XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft. suffered due to not being able to obtain credit.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021 my XXXX account, which is linked to my Chase debit card checking account was charged in the amount of {$810.00}. This was an accidental purchase. I had been browsing concert tickets for curiosity sake. It was never my intention to buy them. Later that same day, I noticed an email from XXXX with a purchase receipt from XXXX. I was shocked because I never made the purchase! I immediately contacted XXXX  to see how I could reverse the transaction. I called XXXX  various times but never got to speak to a person. I received an automatic reply email from XXXX. I had emailed them stating that I did not make the purchase and asked what I needed to do to get a refund. On the automatic reply they did not provide further instructions just generic information about timelines for refunds. I decided to contact my card issuer, Chase Bank and dispute with them since I was getting nowhere with XXXX  directly. Chase made my funds available immediately. I no longer worried about it. This morning, on XX/XX/2021 after the concert had already passed, Chase denied my claim and put the charges back on my debit card account. I called Chase who told me there was a process to follow with XXXX and I needed to go through them. XXXX customer representative are IMPOSSIBLE to get a hold of. They never responded to my initial attempts to contact them about the issue. Now I am being held responsible for {$800.00} dollar concert tickets which has already passed. I'm not in the position to pay this amount for concert tickets. I did not make this purchase.
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

Hi, On XX/XX/2022 I took action and disputed a charge with Chase Bank from a company called XXXX. This online service did not provide the service that was paid for. I paid {$550.00} for a service that was not delivered on time. When it was finally delivered, I was delivered a solution that was completely incorrect and was told by the expert from the website " I tried to do the work, but .... ''. Again, they were making excuses and admitting they were not able to do the work. However, no refund was given to me. I disputed the charge on XX/XX/XXXX. On XX/XX/XXXX, i get a notice from chase telling me that my claim was denied. I called XXXX and ask why and if I can appeal. They tell me that the merchant denied the claim and I can appeal if I send more proof. I send Chase the instant messages with the company and proof of them not completing the services. I get a new notice on XX/XX/XXXX and was told that the merchant still denied my claim and I have to file a police report. I am upset because a lot of money was spent for an online service that was not provided. I was scammed by this company and Chase is not doing anything even though the proof demonstrates this website scammed me.
Consumer complaint received 2019-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Credit Acceptance now reporting on XXXX thats my loan. 
That is identity theft the use my name and S.S through a application.XXXX  XXXX thats his debt he also file bankruptcy for this loan.They will not remove it off XXXX. 
I file a police report also
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank XXXX XXXX recently started charging an interest rate fee on foreign transactions. I did not receive proper notice of these charges. Now I am being charged small amounts monthly. Unlike other credit card companies, I'm unable to allocate my monthly payments to directly pay off my foreign transactions. The only way to stop getting charged these small amounts is to pay off the entire balance. There is no recourse, there is no way to stop the fees, and I was never aware that I would be charged. This seems like dishonest practices to nickle and dime customers.