davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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: Block, Inc. (GA)

on XX/XX/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to cash app them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through cashapp using my chase credit card and they sent me a tracking # via fedex. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " younglo '' on XXXX and message so I have no way of contacting them. Cashapp would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC (NV)

The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( XXXX  ). The repeated collection charge off is for XXXX ( waypoint ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (FL)

I XXXX XXXX Report XXXX XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company Comenity Capital Bank Program. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment
Consumer complaint received 2021-11-30
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: JPMORGAN CHASE & CO. (OR)

I was a loyal XXXX and Chase credit card customer and made MANY purchases every month with my XXXX card via Chase. XXXX day I noticed a charge I did not make and almost missed it because it was for such a normal amount ( {$12.00} ). I called XXXX, who told me i wouldnt be able to see the charge made on my account because it was on someone elses XXXX account named XXXX, and I immediately told them that the charge was not authorized by me whatsoever. I have ZERO other charges on my XXXX account for anyone elses name nor have I authorized my card to be used by anyone else. I then searched back on my Chase card and realized these transactions had been occurring monthly as a monthly XXXX account membership charge ( despite the fact that I pay annually ). I immediately contacted Chase to dispute the fraud and also thought I saw XXXX other charge I did not make. Chase opened a fraud claim and after weeks of waiting, I received information back that my claims were denied because I benefited somehow from these transactions. Not only did I not benefit, but I did not authorize these charges and neither XXXX nor Chase notified me or alerted me at all that these charges under someone elses name and on someones elses XXXX account were being made on my card. Horrible fraud prevention services entirely. 

Once my claim was denied, I appealed and contacted my local Sheriffs Department and made a police report. I notified Chase of this police report and emailed them all pertinent information. Throughout this process, I contacted both Chase and XXXX numerous times who kept telling me to dispute the charges with the other company ( Chase would say to contact XXXX, XXXX would say to contact Chase ) and both just sent me in circles, but never once did either company actually assist me in any way resolving these charges or taking responsibility for not having notified me of someone else having the ability to use my card. My appeal with Chase was then denied. 

I did not make the following charges to my Chase XXXX card NOR did I authorize anyone else to make these charges via XXXX or Chase and I did not in any way benefit from these charges : Charge XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} x XXXX months = {$230.00} XXXX total disputed charges XXXX
Consumer complaint received 2022-02-10
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)

While checking my credit report, I notice an account from XXXX XXXX  XXXX XXXX I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than XXXX days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXXXXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2020-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I am working towards Public Student Loan Forgiveness and my qualifying payment calculations are incorrect. 

On XX/XX/XXXX I spoke with a member from Fed Loans who recommended I request a manual recount, which I did. However, was told at time it may take " awhile ''. Manual recount requested of all months since going into loan repayment ( XX/XX/XXXX ). I never received any information on this being completed and no documentation of this in my account. 

On XX/XX/XXXX called again, was told the case was closed and they recounted for the few months I requested ( not all months as indicated ). Count is still grossly off including multiple loans having different number of qualifying payments. 

My payments have been on autopayment, therefor all loans should have the exact same number of qualifying payments ( was told on first phone call that this problem happened A LOT because autopayment made it falsely look like the full loan payment wasn't made if it was applied differently to multiple loans ). 

Awaiting another manual recount at this time. However, current counts are still grossly different than my personal counts. They are at best 20 months off, at worst 56 months off. 

There were a few brief periods of forebearance, 1 month and then another period of 1 day which should not account for such a gross discrepancy.
Consumer complaint received 2022-02-10
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. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-11-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), for their improper handling of a fraudulent account that is the result of identity theft. This account is linked to an apartment lease in Virginia, a state where I have never resided. I am a resident of New York, and this debt does not belong to me. 

I have taken the necessary steps to notify XXXX that this account is fraudulent. I provided them with an FTC Identity Theft Report and affidavit to support my claim. Despite this, XXXX has refused to cease collection activities and is demanding irrelevant additional documentation, such as a lease agreement for my current address. This is not feasible as I live with my grandparents in New York and do not have a formal lease. 

Violations of the FDCPA FCOs actions violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1.

15 U.S.C. 1692d : Harassment through continued collection attempts after receiving evidence of fraud.

2.

15 U.S.C. 1692e ( 8 ) : Failing to acknowledge and communicate that the debt is disputed.

3.

15 U.S.C. 1692f : Using unfair practices by imposing unreasonable demands that go beyond what is necessary to resolve the issue. 

Their refusal to accept legally sufficient evidence of identity theft, such as the FTC report, and their continued collection efforts demonstrate a lack of good faith.
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (IN)

On XX/XX/2021 National Credit Systems , Inc sent me a letter claiming that I owe an " alleged '' debt. Scanning over the letter, I noticed National Credit Systems , Inc violated many of my federally protected consumer rights. 15 USC 1692c ( a ) states " without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given written consent nor gave permission for National Credit Systems to communicate with me in connection with an " alleged '' debt. No consent equates to Identity Theft. I have since replied with a letter to cease and desist all communication with me pursuant to 15 USC 1692c ( c ) and to pay attached invoice.
Consumer complaint received 2021-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid 1 dollar to transunion, to check credit score a week later they charged me 27.99 as I went to call them they told me I signed up for a subscription witch theres no way I signed up for anything XXXX a 1 dollar credit report, as I called them to ask them to take the subscription off and I did not purchase it they told me they cant, and I have to keep it for a month, as I ask how come if they said it started after the free 7 day trial some substitution starts, I said to them well if it didnt start yet than take it off she still replied we cant, I ask for a supervisor and she hung up, I called back three times after they get my info they will leave you on hold for 15 20 mins than hang up, so I called back the next day and talk to a woman that said she take it off and I was all set than another charge came, I am now just so upset they can do this, so I called back 2 days later after another charge came and the lady again said theres no way they give refunds, I told her this is fraud she said have a nice day and hung up on me, so after reading up online I found thousands and thousands of people had the same issue, so from learning from them I went to the website and did it online and still was charged and noway to take it off besides the evedince of my calls, I also been getting tons of phone calls from XXXX XXXX and when I called them back to talk to a supervisor I have learned that transunion is there coparnts and you have to log onto there site and go to share personal information and take it off, I just cant belive this is a credit place and to do this this is unbelievable, I am contacting a attorney I dont car if its 30 bucks and 27.99 I'm taking this to court or am asking what I can do this is crazy how many people they been doing this to and customer service is a joke, please help
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (LA)

For the last 2 years I have been fighting a vehicle loan ( regional ACCEPTANCE ) that's been on my report ( XXXX and XXXX ) that isn't mines it is a fraudulent account I have submitted police report ftc report etc over and over and the company ( XXXX and XXXX ) they hit me with invalid ftc report number a ftc representive has even submitted XXXX they never remove it instead just send dispute to company ( regional ACCEPTANCE ) claiming its my debt and then comes back verified I have even reached out to the company stating it was idendity theft still to no avail.
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

attached is the letter from XXXX XXXX XXXX XXXX stating from manager that she would delete the account XXXX XXXX XXXX from my XXXX Experian and XXXX ... .... reports after i have made and have made my payment of XXXX $ that we settled for and it was paid on XX/XX/2022. pls remove from all XXXX, XXXX and Experian reports. thank u.
Consumer complaint received 2022-02-11
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: CITIBANK, N.A. (IA)

In XX/XX/XXXX my Best Buy credit card was charged a XXXX fee. When I got the statement in XX/XX/XXXX I immediately disputed this charge. My credit limit was 6,000 and I did not owe a balance and had not used the card in over 13 months. 

Three months later Im sent a letter stating that the dispute department deemed this charge to be mine. When I called I asked for a receipt with my signature for them to produce and once they do I will happily pay the XXXX charge. To date they have never produced such a document, I then called the credit card customer service number and the representative indicated that I call the merchant directly. I called the merchant and they provided my credit card a pro-rata refund of XXXX dollars. I then notified Citi XX/XX/XXXX that the XXXX charge was fraudulent and they needed to either dispute it with the merchant or again send me a receipt with my signature on it. I heard nothing until I came today ( XX/XX/XXXX ) and they sent me a letter stating they reduced my credit limit from XXXX to XXXX dollars and the second letter was a statement saying I owed XXXX as they charged me a late fee and interest when I never got a billing statement in XX/XX/XXXX or a receipt with my signature on it. 

I called them today and spent 3 hours on the phone filing yet another dispute that I filed for a second time on XX/XX/XXXX and refused to waive the late fees and interest as well as reinstate my credit limit of {$6000.00}. They also reported me 1 time 30 day late with the 3 credit bureaus ( which I filed disputes with them too ). I yet again advised that if they provide me a receipt with my signature on it for the original XXXX dollar purchase I would happily pay them. The supervisor advised that she had to reopen my dispute from XX/XX/XXXX. 

Its perplexing to me that I had to fix the initial fraudulent charge and Citi can not honor their fiduciary responsibilities by protecting me from fraudulent charges to which I never made and they can not produce a receipt with my signature to prove their claim that I made this initial transaction on a card I had no balance on and paid off each month ( the last time I used I bought 900 dollars of stuff ). They also tell me they can not fix my credit balance and that I would need to reapply with them for credit to get my prior credit limit and then to threaten me with collections if I did not pay the late fees and interest on a charge I never made and had to fix as they did nothing.