davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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: AMERICAN EXPRESS COMPANY (FL)

My husband has an AMEX platinum card and when we got married, we applied so I could have the credit card under his account. During this time, american express kept emailing me saying that I was missing information to activate the card despite the fact that I was logging in and adding all of the necessary information. They had sent out a card and I had it in my possession. In that time my husband had paid off his remaining balance so we could start fresh and keep track of our charges together. I noticed when I signed onto my app that there was still a remaining balance. I come to learn that I had my own separate account that was opened all the way back in XXXX. I had never had a card up until XXXX and the charges that were present on the account was the annual fee XXXX years that I had never paid because I didn't even know the account existed. I have an excellent credit score and for the credit cards that I have THAT I KNOW I HAVE, I pay on time every single month in full. Why would I have a credit card open and not use any of the perks or spend the required amount to get the bonus points? It makes absolutely no sense and so I filed the card as fraudulent around XX/XX/XXXX. The case got denied and so I escalated the case and it was re-opened and denied yet again in XX/XX/XXXX. Now I have {$1500.00} of owed money that I refuse to pay and it is affecting my credit score. I really hope you can help me. The card is no longer active.
Consumer complaint received 2023-04-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services (PA)

The above named account t had been brought current, or paid up to date on XX/XX/XXXX. They never reported my payment to the account, nor to the credit bureaus. They are purposely ruining peoples lives by repeatedly ignoring federal and state laws protecting us from such actions. They are furnishing inaccurate. Invalidated to all XXXX credit bureaus including XXXX, XXXX, and XXXX. My car is not in reposession, and I demand that it be removed as soon as possible as its is a violation of 15 usc 1692g. This also constitutes fraud amongst other federal and state violations for abuse of credit reporting etc. Congress created these laws to protect consumers. Can you guys protect me? Or are they above the law?
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (PA)

I actually closed the credit card over a year ago, but the company still continues to charge me random fees and then inflated late fees on these fees. Sometimes the random " carry over charges '' are as low as {$.00} which they will charge me a {$41.00} late fee on. Every time I pay off the random carryover fees, they come up with a new one. I have now incurred hundreds of dollars in fees on a credit card that I paid off and closed well over a year ago and it never seems to end. I have called them several times, they always tell me it's a mistake and they will resolve it and it continues to not be resolved.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (MO)

I received notices in the mail from an attorney claiming that I owe debts to Midland Credit Management. I have no knowledge of these debts. I sent separate notices, pursuant to 15 USC 1692g Sec. 809 ( b ) to Midland Credit Management, by certified mail with return receipts, disputing these debts as I have no contracts and do not owe the accounts that Midland Credit Management has reported to the major credit bureaus. I asked that they send me the original contracts as I requested and they did not provide me with anything on any of the accounts that they are fraudently reporting. I believe that the false information reported is defaming my character and the company did not follow the FDCPA in investigating these matters as my disputes went ignored and the accounts stayed on my credit reports.
Consumer complaint received 2022-09-22
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: Mortgage Research Center, LLC (TX)

XXXX supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate XXXX file XXXX Ftc report XXXX All documentation was submitted via usps to XXXX address numerous times the last being XX/XX/22 XXXX refuses to remove unauthorized hard inquiry by XXXX XXXX of Veterans United home loans Since vendor refuses to cooperate XXXX said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC (NY)

A XXXX XXXX illegally carried over an old debt from a utility bill that they never filed in court under the 3 years of statute of limitations that ended in XXXX. Nor did they report credit agencies. Within the 5 to 7 years. They waited after statute of limitations expired to charge off the debt to XXXX XXXX in XXXX to restart the credit reporting for an additional 7 years illegally. Secondly the amount is incorrect the original Amount from account # ( XXXX ) address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. is {$2800.00} but the added the same account XXXX XXXX number with a higher amount {$4900.00}. At a new address XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They illegally carrying over old balances to new balances and extending the statute of limitations. With a higher late feels and interest.
Consumer complaint received 2022-09-22
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. (IN)

Based On, 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later than XXXX business days after the date of receipt. 

It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( XXXX ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Todd, Bremer & Lawson, Inc. (FL)

I received a collections letter for XXXX  XXXX XXXX  which is the XXXX  I attend. I have a full scholarship and have not been asked to pay anything. I am not aware of this debt or what is it for.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I have been contacted by Wells Fargo Auto four times now, and none of the representatives will listen to what I have to say. This was a fraudulent loan. I have a lawsuit against XXXX XXXX XXXX as well due to them reporting assets that I do not have. 

I have told representatives from Wells Fargo Auto what XXXX XXXX XXXX did, and it fell on deaf ears. Once I complete my lawsuit against XXXX XXXX XXXX, I plan on filing a lawsuit against wells Fargo Auto for not looking into my checking accounts in which they should have done before granting this loan, as I banked with them since 2015.
Consumer complaint received 2023-05-20
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. (VA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX  XXXX Balance : {$17000.00}, Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : US DIST CT, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

There was fraud on my Care Credit account I did not make several purchases. I called them and they have a dispute in progress I have made a payment so it will not go into collections the amount is currently wrong. It should be less than {$800.00} which is the credit limit. I lost my wallet and card and someone was using all my cards and making purchases and paying other cards off to continue to use them.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$23000.00} XX/XX/XXXX XXXX & XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX BANK XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX I made a check deposit through mobile deposit banking. I was made aware that government check deposit funds into your account the next business day. However my check was placed on hold and I have been on the phone with customer service girls dept for 2 days straight. Ive spent over 8 hours on the phone being hung up on, told nothing can be done, or told they can do some thing but at certain times, Ive begged for them to call the correct departments that can verify my check but they say they cant. Then Ive called my branch that couldnt do anything other than to ask that holds dept contact the issuing bank, XXXX XXXX, the last 5 people Ive talked to said it was taken care of and home would be released within the hour. Well your came and went and no release still. I called back yet again and was told the senior department head declined my check release of funds!!!! I have never ever ever gone through so much ridiculous junk in my life and have absolutely no way out of. I was unable to get my check back from chase so that I could go to XXXX XXXX myself to cash it. Ive begged and pleaded and have been lied to, transferred, hung up on etc for 2 days straight. I will close this XXXX account and I will tell everyone I know on every social media platform how absolutely horrendous Chase bank is! I have to wait 10 days to get MY MONEY! What a complete and utter disgrace. The stress alone and caused me to get XXXX XXXXXXXX. I will never have anything to do with any Chase products of any sort.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX has incorrectly reported to the credit Bureau that I was 30 days late due to their mistake with my auto payment. It was set up originally and they over charged me then stopped debiting my account and every time I would set up the auto pay they would stop it. I notified them on several occasions. They also had the wrong mailing address. I have contacted them on several occasions about these errors but they have done nothing to correct. Now my credit is impacted. I have two mortgages with them and this one does not get processed properly. They need to correct my credit and reverse the charges.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The XXXX XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of EDUXXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXXXXXX % XXXX % XXXX % XXXX % XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to file a complaint regarding a case of identity theft that I have recently discovered. I believe that my personal information has been compromised and used fraudulently to open accounts without my knowledge or consent. I am seeking your assistance in resolving this matter and protecting my rights as a victim of identity theft. I have contacted all three major credit reporting agencies, including XXXX, Equifax, and XXXX, to place fraud alerts on my credit reports and request a copy of my credit report to review for any further fraudulent accounts or activities. 3. Notified Financial Institutions : I have reached out to my bank, credit card companies, and any other relevant financial institutions to inform them of the identity theft and request that they freeze or close any accounts associated with it. 4. Contacted the Federal Trade Commission ( FTC ) : I have filed an identity theft report with the FTC and obtained an Identity Theft Affidavit. Supporting Documentation : To support my claim of identity theft, I have enclosed the following documents. Identity Theft Affidavit from the FTC Request for Assistance : I kindly request that the Consumer Financial Protection Bureau investigates this case of identity theft and assists me in resolving the matter. I seek your guidance in ensuring that all fraudulent accounts are closed, any unauthorized charges are removed, and my credit report is restored to its accurate and rightful state. I understand that the Consumer Financial Protection Bureau has the authority to intervene and take appropriate actions to protect consumers in cases of identity theft. I kindly request your utmost attention and prompt action in resolving this matter and providing me with the necessary support and guidance. Thank you for your time and consideration. I eagerly await your response and resolution of this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX XXXX  XXXX I am writing to formally dispute the debt that you are claiming I owe. I request that you provide the following information for verification and validation of this debt : XXXX. **Purchase Agreement** : Please provide a copy of the original purchase agreement between you and the original creditor showing the transfer of the debt. 
XXXX. **Cancellation of Debt** : If the original creditor has canceled the debt, please provide documentation to confirm this. 
XXXX. **Chain of Title** : I request the full chain of title for the debt, including any assignments, sales, or transfers from the original creditor to you. 
XXXX. **Payment History** : Please provide details on when the last payment was received on this account, including the date and amount of the last payment. 
XXXX. **Judgment** : If there is any judgment against me regarding this account, please provide documentation to substantiate this claim. 
XXXX. **Statute of Limitations** : Kindly confirm whether the statute of limitations on this debt has expired. If it has, I request that you cease all collection activities immediately and update any credit reporting related to this account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information and expect a prompt response. If you can not provide adequate documentation, I request that you cease collection activities and remove this account from my credit report. 
Please consider this letter a formal request for all communications regarding this matter to be in writing. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX