davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management has willfully and continuously violated my rights as a federally protected consumer, since the creation of this account on XX/XX/2022. This is a fraudulent account in which Midland used my personal information without my consent in order to extort a monetary benefit, claiming that I owe an alleged debt. It was not clearly and conspicuously disclosed to me that the alleged debt information may be communicated to 3rd parties and I was not given the opportunity, before the time that the information was initially communicated, so that I could direct such information NOT TO BE COMMUNICATED IN ANY WAY. 

Without my consent, Midland has been reporting this fraudulent account since XXXX of XXXX to XXXX, XXXX, and XXXX consumer reporting agencies, causing significant damage to my consumer credit file, ( see attachment ). I have been denied credit based on the reporting of this collection account on my consumer report, ( see attachment ). On XX/XX/2022 I sent Midland a debt validation letter that was received by an individual on XX/XX/2022, ( see attachment ). Midland failed to respond to the debt validation with the information requested and continued collection efforts during the 30 day dispute period. On XX/XX/2022, only a few days after receiving my dispute, Midland updated the collection balance, status, and failed to give notice on my XXXX consumer report that this account was disputed, ( see attachments ). This is considered communication and is prohibited during the 30 day period for validation. Midland failed to cease communication as instructed in the debt validation letter and continued to update the collection status to all 3 consumer reporting agencies on XX/XX/2022, ( see attachment ), and has failed to validate the debt or show reasonable evidence that I owe Midland Credit Management any alleged debt. I have never signed a contract with this company, had any goods or services provided to me by this company, and never given them access or permission to use my social security number or any other of my personal information.
Consumer complaint received 2022-07-21
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. (FL)

I feel personally targeted by Experian when it comes to my credit reporting. Over the years Experian have constantly report my account incorrectly and often time randomly drops my score for no logical reason. Hence why my score with Experian is the lowest out of all the 3 credit bureaus. Recently, on XX/XX/XXXX Experian dropped my score by -15 points after I reported my new address. There was nothing else going on with my report that would have triggered such a negative score drop. Also, Experian refuse to update the balance on my XXXXXXXX XXXX XXXX after I paid it off. The statement on this card closed since XX/XX/XXXX, XXXX sent the updated balance to all 3 bureaus and balance was properly updated on XXXX and XXXX within 3 days- Today XX/XX/XXXX still no update from Experian. In prior months, Experian would update this card 's balance within 3 days, ironically now that it's paid off, Experian refuse to update the information sent to them, why??? I'm tired of disputing items, just report things correctly and stop dropping my score whenever you feel like it.
Consumer complaint received 2021-03-24
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: Experian Information Solutions Inc. (TX)

I've been disputing this account for. Early 5 months and they fail to provide factual documents of doing an investigation such such as who they talk to what day what time and documents. Instead they just say verified a few times they said who verified it when I called but when I called the company they stated they didn't verify it and forwarded information to the company stating it should be removed because it's not accurate. Now they saying the same company again XXXX XXXX verified ans they sent me the documents that was sent to the credit bureaus that said it should be removed because it's not verified. I just want an answer which is proof or method of verification vs sayinf verified and keeping inaccurate info on my credit report. I'm taking all the necessary steps so if it's verified please show supporting documents if you can't. Then please remove inaccurate info. I'm tired of getting he run around. I've contained documents to follow up with the things you guys tell me. Not to mention which I've highlight in previously letters that that case number isn't even a real number. Which is another inaccurate detail
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (AZ)

Unrequested EMAIL communication from Wells Fargo Credit Card ( WFCC ) SECURITY/FRAUD DEPARTMENT SHOWING DENIED TRANSACTIONS AND ASKING IF CHARGES WERE VALID ( THEY WERE NOT ) WHILE PERFUNCTORILLY AND AUTOMATICALLY CANCELLING CURRENT CREDIT CARD WITHOUT CONSUMER RECOURSE OTHER THAN THE HASSLE OF NOT HAVING CARD WHILE WAITING FOR SLOW, SNAIL MAIL OF REPLACEMENT CARD MAILED TO ANOTHER COUNTRY.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

On WednesdayXX/XX/2021 I called evergreen professional recoveries to try and resolve a debt that I received in the mail and said I had 30 days to respond and take care of my debt in good faith. So I did just that I spoke to a man that asked me my name and said I have to transfer your call when I got transferred another man asked for my info and then asked about my spouse. He then said I owe XXXX and proceeded to say I had 30 days to pay or I was going to get sued by them. He didnt offer any resolution to my situation.I told Him I didnt have the money and if I could be put on a payment plan he told me no I then told them I would call back.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a text message from XXXX on XX/XX/2021. It said it was from Bank of America, and they detected fraud on my account. The text asked me to type YES if it was authorized, and NO if it was not. I typed NO, and the person called me. Then, I received a text that said press 1 to receive a phone call from a fraud representative. 

The person called me and said he was from Bank of America. He said they detected fraud on my account, and that someone was attempting to request {$3500.00} from me through XXXX. I logged into my Bank of America online account, and I told him that I didn't see anything on there. He said, " Yes, we can see it in our system, even though it hasn't appeared on your account yet. '' He directed me to use my mobile banking app and click on XXXX. He told me that I needed to send {$3500.00} to myself to cancel out the attempt. He directed me to use my own email address ( XXXX XXXX XXXX ), and add myself as a payer for XXXX to refund the fraudulent attempt. So, I added myself. I assumed it was ok, since I was using my own email address. He told me to send myself {$1000.00}, then {$2500.00} to myself. I noticed that the name on the XXXX said " XXXX '', and he said that was the name of the XXXX fraud representative that would be working on my case. The funds were deducted, and I didn't not receive them back. I received emails about it, which were also spam. 

I feel embarrassed, stupid, angry ... .. I'm an educated person, and I felt in my gut like something was not right. I should have listened to that feeling. But, this guy was good. He said all the right things, so I thought it was ok. 

I called Bank of America today XX/XX/2021, and they said that it was a scam, and that they are seeing spoof phone numbers and scammers using XXXX all the time. They recorded my case, but said it was unlikely that they would recover the funds because they do not know who the recipient was.
Consumer complaint received 2022-05-24
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: BARCLAYS BANK DELAWARE (DE)

XX/XX/2022 To Whom It May Concern : Charges have been wrongly charged to my account by the same merchant - 27 charges totaling {$12000.00}. 

The Fraud department stated that the Dispute department needs to fix this. 

The Dispute department told me that they could not help me because the ''case numbers need to be reopened ''. 

I was instructed by the Dispute department at Barclays to ask that someone please reopen the following case numbers so that each of these charges can be submitted for dispute. 

I have been trying for 2 months to get this resolved and my bill is due for {$12000.00} in 20 days. Please someone help me remedy this. 

There are 22 case numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please dont hesitate to contact me with any questions. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union wrongly denied my disputed charge. I was overcharged by a merchant in XXXX and submitted documents proving he charged me over ten times the agreed price. I spoke to the merchant about this multiple times, and he first said he would refund me only if I returned to XXXX, and then he pretended he didn't understand XXXX, though he understood it perfectly well when I was in the store purchasing the items. The merchant defrauded me. So I turned to my financial institution for help. I submitted a dispute to Navy Federal, but they performed only the most cursory of investigation, ignored the evidence I submitted, and then ruled against me. When I submitted additional documentation including a letter from a US merchant supporting the allegation that the amount I was charged was very far in excess of the value of the merchandise, they not only failed to refund me, they refused to even look at my case! They recommended that I talk to the merchant, the very merchant who defrauded me. 

The XXXX merchant and I agreed to {$1600.00} USD for a collection of handmade metal items. This is also the amount documented on the itemized invoice and the customs form. However, the merchant charged me {$16000.00}! When I brought this to the attention of Navy Federal, they refused to refund me! I subsequently submitted additional information, and they refused to even look at my case. They recommended that I talk to the merchant, which I had already done unsuccessfully. I have attached the document I submitted to Navy Federal with my second appeal. This contains the invoice, customs form, photo of the items, and letter from a US merchant supporting my case. 

I am a victim of fraud, and my financial institution refused to aid me. They are negligent in their duties under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and implementing regulation ( 12 CFR 1026.12 ). So I appeal to my government for help. I ask that you compel them to do their duty to treat me fairly in accordance with the law. Please use your authority to direct that Navy Federal refund me. As the act permits charges to be recovered against the financial institution for its failure to resolve a billing dispute, I ask that you direct them to do so for me.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COLLECTION BUREAU OF HUDSON VA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They reporting an account from XXXXXXXX XXXX XXXX which is against the law. They do not have permissible purpose nor do they a court order to be reporting anything to my report. I never done business with them nor do they have any sign applications from me. This is a form of identity theft on their behalf.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (TN)

I recently pulled my consumer report and noticed fraudulent inquires being reported to my profile. They were not authorized by me and I have no idea where they came from or who they belong to. 15 U.S Code 1681 section N states " any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or XXXX  dollars or whichever is greater. '' I am prepared to file for litigation on my behalf. The inquires will be listed in the letters attached to complaint. I also filed a FTC report. Thanks for your help in advance.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-20
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. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : 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 XXXX
Consumer complaint received 2021-03-23
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: Caliber Home Loans, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-12-27
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2019 Chase Bank closed 4 credit card accounts I had previously opened with their company. 3 or these credit card accounts were personal credit cards and 1 was a business card. My Chase credit card accounts were all in good standing at the time of their closure ( low balances, always paid on time, etc. ). I received no prior warning from Chase of any kind that they had an issue with any of my accounts. ____ Chase mailed a single letter ( dated XX/XX/2019 ) as notice for all 4 affected credit card accounts that stated " After careful consideration, we closed your credit card accounts on XX/XX/2019, because our affiliate is ending their banking relationship with you. '' No other details were provided. Chase refuses to provide any assistance over the phone until you are in physical possession of this letter. ____ On XX/XX/2019 I called the phone number listed on the letter ( XXXX ) and was told that they could not provide me with any additional details related to the closures. I was then told to contact a separate Chase department - the Chase Executive Office. ____ XXXX XX/XX/2019 I called the Chase Executive Office, who said they would open a case and notify me with the results within 7-10 business days. On XX/XX/2019 someone from the Chase Executive Office left me a voicemail, but only to say that they still could not provide me with any additional details related to the closures. ____ Shuffling customers around between different internal teams at Chase, building in significant delays at different points in the resolution process and refusing to provide additional information relating to customer issues all appear to be part of a company strategy to prevent customers from having their concerns addressed in a timely fashion.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I have wellsfargo credit card. 

Last month I had same balance and charge less for so called " interest fees ''. 

On XX/XX/21 Wellsfargo charged INTEREST CHARGE ON CASH ADVANCES {$78.00} now this month they charged on XX/XX/21 INTEREST CHARGE ON CASH ADVANCES {$96.00}. 

They can not pick and chose whatever interest fees they want. In addition last month my balance was more and they charged less. 

This predatory interest charges. 

Please see attached so you can see the discrepancy.
Consumer complaint received 2021-03-24
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. (CA)

TO PROVIDE METHOD OF VERIFICATION I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX, Transunion, and Experian agencies in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ) filed with Federal Trade Commission to be more specific, based on the FCRA 611 ( a ) ( 2 ) ( B ), Transunion, XXXX, and XXXX  were required to forward all the relevant information provided by Transunion, XXXX, and XXXX to the creditor for their investigation of my dispute. Please provide me a complete copy of all information that was transmitted to the data furnisher as part of their investigation, as requires by FCRA 611 ( a ) ( 7 ) : What certified documents were reviewed to conclude their investigation? Who did they speak with? What was the date? How long was their conversation? What was their position? What number did you call? What is the name of the employee that spoke directly to the creditor? What is the position of the employee that spoke to the creditor? This inaccurate reporting has caused me to serve financial and emotional distress. Please reply within 14 days to the above questions and delete the following items! 
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX