davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
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: Experian Information Solutions Inc. (MD)

This request is with XXXX XXXX  of whom I have received a " charge off '' code on my credit report. Please note, I am fully aware of my responsibilities of this debt and in no way shape or form am I attempting to suggest a settlement to clear the debt. It was not until the months of XXXX thru XXXX of 2020 my payments took on stand still given the financial hit that occurred outside of my control. Since before those months I have never missed a payment or had any reason to. During those months I was contacted by XXXX representatives whom I would ensure them that I am seeking possible debt consolidation and/or other means of payment given the current crisis and they implied " ok '' we will note your account. At no time was I aware that my account was going in negative status leading to a harsh score on my credit report. I was under the impression that the payments were either deferred and/or put on hold just as other debt collectors were doing at that time. In the middle of a new house purchase I was caught off guard and now even worse possible without a place to live. Since finding out I have paid the full amount to bring my account in current standings and am requesting the " charge off '' code be removed to continue payments in good standing. Although this has been investigated via the bank and noted as not being a bank error I am asking for understanding in this matter as I was not fully aware of what was taken place. My credit score was XXXX and dropped immensley to XXXX given this code. I ask for a fair chance at regaining my current status as it is in this matter. Please take this complaint into consideration as I have not unknowingly committed such degree. I have worked hard for my credit as it depicts who I am as a person and have been a committed civilian of the XXXX XXXX XXXX for over 10 years. Thank you in advance for even taking the time out to read this digression. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I was mugged on XX/XX/2020, resulting in my wallet and phone being stolen and my bank accounts being cleared out. I was able to recover most of the funds with help from the police, who also arrested a suspect. However, Chase Bank refused to refund the cash the perpetrator took out of my bank account via ATM because I couldn't prove I was not the one to take out the money. I had the police file a warrant for the ATM footage, and have circled back several times over the past year and a half and have not made any progress and am still missing over {$6000.00}. Police report is attached, along with outline of some charges and identity theft report I filed.
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (CA)

I received an account statement after I gave the company a cease and desist. I called to verify that I was indeed on a cease and desist list and verify that I was not to receive any more communication. At first they could not find my account in their system, and then they put me on hold. Then I was given the phone number ( XXXX ) XXXX XXXX and told that they were the only people that could help me with my account. I insisted that I just want to be put on a cease and desist list, and that I have no desire to speak with anyone. I was told that is not possible and I must call the number. So then I asked who was on the other end of the number. The support person did not know and could not give me any information on who she was requiring me to contact to take a cease and desist order. I asked if the conversation was being recorded, explained the serious nature of the request and asked If I could have a transcript of the call. She refused and insisted that I call the number. So I called the number. I was greeted by an automated system that told me I needed to answer questions to determine if I am eligible for something - an advertisement. totally inappropriate... Then it asked me if there is someone over XXXX XXXX XXXX in my household, press 1 for yes. I did not press anything. It asked it a second time. When I didn't respond it asked my my name and the reason for calling. Note : I still have no idea who I am speaking to .... Then before I could respond, it terminated the call. I am the victim of a crime. I am receiving anonymous threats. I am a party to multiple bankruptcies and fraud cases. This is harassment and it is totally inappropriate and it is reckless and dangerous.
Consumer complaint received 2020-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Financial Credit Network Inc (CA)

On XX/XX/2020 I called Financial Credit Network asking for pay for deletions. They stated that they wont pay for deletions since they have on file the current address. I feel they never sent the initial notification to me, They refuse to help me with this matter.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC (TN)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account. 
Remove any charges on the unauthorized account, remove my information from the creditors & collection agency 's database. 
Take steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Consumer complaint received 2020-09-11
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: STERLING JEWELERS, INC. (NJ)

I have got accepted for a Kay jewelry account on XX/XX/XXXX they sent me a email stated if I dont receive my membership information within 10 days to call well I did and the first customer service rep told me I had to wait until the XXXX I told her no someone used my card that I didnt receive it can she block my card and and do a fraud claim so she did so I called back on XX/XX/XXXX to see what is going on now they stated that I have to pay for the chargers {$250.00} that I did not do and these happen in XXXX somewhere i live in XXXX nj I dont drive or have a license and that I will get a late fees on all 3 of my credit report that seem so unfair that should be put on hold until they are done with the investigation I never heard of this in my life its a new account who in they right mind will spend the whole amount and the card was already activated and that shouldnt never happened period I should be allowed to activate my own card thats attached to my cellphone number that is listed if I knew this type of card does that I wouldnt never applied I have paid all my account in full never missed a payment now this card going to mess me all up and Im XXXX I wonder will they do this to a XXXX  person!!!
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

In XXXX I had a Bloomingdales Store credit card and In XXXX of XXXX I was at Bloomingdale and when purchasing an item I signed up for the Bloomingdale Credit card and I was told by the sales associate that my store account would merge with my new card. I was no longer living in XXXX  and my new address was in XXXX. I did not use my store card that day, I actually used the new credit card that the sales associate signed me up for. I did not have a balance and believe that the {$13.00} may have been fraudulently made. I also never received a bill that their was a {$13.00} dollar balance on it for over 3 years.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (LA)

In XX/XX/2021 I received a collection notice for {$410.00} from XXXX XXXX for a direct tv account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from Receivables Performance Management Llc trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by XXXX XXXX for {$310.00} to close the account and had been paid. However Receivables Performance Mgmt. continue to harass me stating that I still owe the remaining balance
Consumer complaint received 2020-09-23
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. (TX)

I am a victim of identity theft. I have obtained a copy of my credit report and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, I sent to all 3 bureaus which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I request that an extended fraud alert is placed on my credit profile. I requested a block all of the fraudulent information listed below from my credit profile, listed on my ftc report in pursuant to section 605 ( b ) of the Fair Credit Reporting Act. 
There has Not been no response from all 3 Bureau 's Is been 60 days from the time I notified all 3 Bureaus on the following accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Hard inquiry List .XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-09-12
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)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2024-11-25
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: U.S. BANCORP (MA)

Hi, I had three different banks contact me. 
XXXX XXXX XXXX XXXX XXXX XXXXUS Bank XXXX XXXX XXXX XXXXCitizens Bank XXXX XXXX XXXX XXXXXX/XX/year>. 

All were denied by the banks. 

They all had hard hits on my credit report and it appears someone is trying to open credit cards/checking accounts in my name. I did not apply to any of these.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (CA)

I am the victim of identity theft I have an identity, theft, protection company XXXX together we have submitted copies of the police report along with the identity, theft, affidavit, notarized to XXXX XXXX XXXX services and the original creditor, continental finance company , XXXX XXXX XXXX XXXX XXXX and they have refused to remove it from my credit report to date any follow up calls that we make they just indicate it is under review. They refuse to stop the negative reporting.
Consumer complaint received 2020-09-23
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: CITIBANK, N.A. (IL)

My XX/XX/2020 Macys statement contained a purchase, dated XX/XX/XXXX, under a fraudulent name ( " XXXX, '' not my first name ). Card was always in my possession ; I was not in the store since early spring. 

The fraudulent charge continued on my XX/XX/XXXX statement + a late fee + interest XXXX {$540.00} XXXX. 

XX/XX/XXXX and XX/XX/XXXX letters to me from Macys noted that they were beginning a fraud investigation and would suspend the disputed charges. 

My XX/XX/XXXX statement showed the reappeared charge as {$560.00}. 

My XX/XX/XXXX statement showed that the charges had been suspended. 

A letter to me from Macys, dated XX/XX/XXXX, refused my claim. 

My XX/XX/XXXX statement showed the charge was back less the late fee and the interest : {$500.00}. 

My XXXX statement shows the disputed charge still there : {$510.00}.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CA)

Ford motor credit is showing a 30-day late payment for the month of XXXX. That information is incorrect. I was on a COVID relief program and began making my payments as soon as that program ended. This information is false. My account is current with NO late payments.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (UT)

Zillow Home Loans [ NMLS # XXXX ] XXXX XXXX [ NMLS # XXXX  ] No actual quotes provided. After questioning company why they start spamming onto the cell phone at XXXX in the morning.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-23
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)

After reviewing my most recent annual credit report. I've noticed that experian is reporting inaccurate information on my consumer credit report. Collection item under the name ; XXXX XXXX XXXX original creditor : XXXX XXXX XXXX XXXX. 

Please see description in the attachment Account under the name XXXX XXXX XXXX has reported an inaccurate account without providing notification five business days prior to report in this account. A violation of federal law FCRA rules section 605b.
Consumer complaint received 2020-09-23
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. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My HSBC US XXXX payments since 2015 do not show anymore on my latest report ( attached - see page 5 ). These payments were all listed complete in the XXXX Report ( attached - see page 5 ). Note that other bank cards are showing all payments correctly.
Consumer complaint received 2022-01-29
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. (CA)

I live in San Diego, but I was in XXXX on XX/XX/XXXX. I was charged for XXXX food on XX/XX/XXXX ( XXXX XXXX XXXX - {$24.00} ) in XXXX XXXX while I was in XXXX. 

The thing is I placed charges on the same credit card in XXXX on XX/XX/XXXX thus verifying I was indeed in XXXX ; I also have receipts of plane travel to/from XXXX as well as the hotel I stayed at in XXXX on this exact date. Essentially, it would be impossible for me to eat at a XXXX restaurant on XX/XX/XXXX in XXXX XXXX and also be in XXXX at the same time. 

Once I noticed the fraudulent charge upon my return from XXXX, I called Chase to dispute the charge and request a new credit card. I then received a notice from Chase on XX/XX/XXXX letting me know that I would indeed be charged for the XXXX food ( XXXX ) on XX/XX/XXXX even though it is literally impossible for me to be in two different cities at once. 

I am filing a complaint because I did not make this charge. Again, I have charges on the same credit card in XXXX alongside plane/hotel receipts. Im sure I could even request surveillance footage of me at the hotel if need be. I am requesting the {$24.00} that was credited to my account indeed remain on my account as this truly was a fraudulent charge.
Consumer complaint received 2020-09-23
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: Resurgent Capital Services L.P. (NY)

There is a fraudulent LVNV account reporting on my credit. I have sent in a police report, an FTC report and despite my assertation that this account is FRAUD, LVNV continues to report the account on my credit. This account DOESNT belong to me and I am requesting immediate removal of LVNV from my credit
Consumer complaint received 2020-09-23
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. (TX)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.