davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (ID)

I have been a solid Chase Visa client for some twenty years, and have always paid my due payments on time. Because of that, my credit score is over 800 points. In XX/XX/XXXX, I have noticed massive amounts of charges coming from a company called XXXX. The charges were made from fifty-three ( 53 ) XXXX rides between XX/XX/XXXX - XX/XX/XXXX, to the tune of {$650.00}, which translates roughly into one XXXX ride more than every other day for these three months. Since our ( my wife, kids and I ) usual pattern is to use XXXX perhaps once every other month or less for $ XXXX per ride, upon examination of my statement in early XXXX, on  XX/XX/XXXX I called VISA 's fraud department to report the fraudulent use of my card. 

On XXXX XXXX, XXXX I received a letter from Visa 's Fraud department acknowledging the fraudulent charges, temporary removal of charges associated with them, pending investigation, which should have been a normal and final resolution of the case. 

To my delight, on XX/XX/XXXX I received a letter from XXXX stating that during the investigation it was determined that the charges were fraudulent and they will be permanently removed. 

Unfortunately in XX/XX/XXXX, for very unknown to this day reason, all the fraud charge removals were reversed and I received a XX/XX/XXXX bill with {$650.00} charged back to my card!

In XX/XX/XXXX I had at least five long discussions with various people, mostly from now " Recovery Department '' who must have been given an order to deny fraud claims, perhaps, so XX/XX/XXXX could look better on their books? I talked to ( XXXX ) XXXX from XXXX, then was told to call XXXX XXXX   at extension : XXXX ( who promised to send me a proof for the claim validity and never did ), then the other two I do not remember, and now XXXX at extension : XXXX. All sr. Specialists II, Fraud Department, or Recovery Department. 

On XX/XX/XXXX I received a letter from XXXX, Sr Specialist II, Fraud Department where hse states the following : " We have reviewed your claim again ; here is what we found. Our latest review confirms the " previous finding that the transactions are valid ''. After calling and talking to her she has promised to send me a proof based on which she made that decision, but instead, on XX/XX/XXXX, I received the same letter from a new Sr. Specialist - XXXX ( XXXX ext. XXXX ). 

I am lost. 

Consequently, after countless phone calls with the Visa Freud " Recovery '' Department in XXXX and XXXX, being extremely, extremely frustrated with their total disdain towards me and utter lack of response or providing any proof that would validate the charges ( they have told me that they have received it from the XXXX ), I  have resorted to filing this complaint and starting to consult with the legal professionals. 

Kind regards, XXXX XXXX
Consumer complaint received 2020-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

A on authorize hard inquiry was made on my XXXX  credit report by Capital One on XX/XX/2018. I have contacted Capital One as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO Bank, N.A. (CA)

Bank of the West has been reporting a charged off amount of {$2800.00} since XXXX on a credit card that I opened with them in summer of XXXX. The credit card was a secured card, with a limit of {$500.00}. A rental car company over charged my account for the cost they said my insurance at the time would not cover. The charge was only a small amount so I'm not sure how Bank of the West got {$2800.00} from that. The same company also charged my debit ( checking account ) card for {$1300.00} then enlisted XXXX XXXX to collect on that account. XXXX XXXX then put the account ( checking account ) on all three credit bureaus as a collection account. They then charged interest every month for as long as the account went unpaid. In XX/XX/XXXX, XXXX XXXX XXXX was removed from my credit report but in XX/XX/XXXX, the amount that they could not collect on, along with the interest that that accrued was added to the existing balance of charged off credit card account. I disputed this information with all three credit Bureaus, and not only did it come back verified, but the amount also increased every time from {$1500.00} to {$1700.00} to {$2600.00}. The payment ledger that reported ND for the last five years was edited and updated to reflect CO going all the way back to when the charge-off was first opened. It is currently being reported with late payments as well as a statement claiming " {$2800.00} written off. {$2600.00} past due as of XX/XX/XXXX. '' The account was closed in XXXX. I'm not sure how a closed account can suddenly be charged {$2600.00}. The new company that has taken over for XXXX XXXX XXXX is a company called " XXXX XXXXXXXX XXXX XXXX. '' They sent me a letter on behalf of Bank of the West to collect on the checking account debt in which they stated the amount owed on the checking account is {$1300.00} along with {$700.00} dollars in overdraft fees. In reality they're adding in the interest charges accrued from XXXX XXXX as well as other fees they fabricated. The account was frozen and put under investigation and soon after closed at my request. Therefore, there could not be any overdrafts or other fees. 

To sum it up, Bank of the West is in violation of my consumer rights. Not only are they reporting false information intentionally, but they are also punishing me every time I dispute this information by increasing the debt. I am now in a situation where I have to move due to safety and health concerns and I am unable to do so without paying an extremely high deposit or getting turned down all together.
Consumer complaint received 2020-02-27
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: GOLDEN 1 CREDIT UNION, THE (CA)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly  DELETE all information which can not be verified.
Consumer complaint received 2020-02-06
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (IL)

I have had an account with PayPal since XXXX and this account had never reported to any credit bureau. In XXXX of XXXX at 60 day late payment was reported to all 3 credit bureau and I was NEVER notified of this change. I had no idea that Synchrony Bank had purchased Paypal and would start reporting to the credit bureau. 

I believe that Synchrony Bank did not do a good job at notifying its Paypal customers that they were going to start reporting. My account has been closed since XXXX and had recently been paid in full. Now that this late payment has been reported, I can not get the financing needed to purchase a car and a home. This had put major stress on my family and I believe the late payment should be removed. 

They did not appropriately notify their clients of this change and this is not right. I never received an email or anything in the mail pertaining to this issue.
Consumer complaint received 2020-02-06
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: Southern Credit Recovery, Inc. (LA)

i send southern credit recovery a money order on XX/XX/2020 as long with a letter to notify when they recieve the letter and money order to remove this item from my credit report.i have the copy of the money order in full for the item and would like for it to be remove quickly because it is hurting my credit.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Opened an account for debit card. For minor daughter at Bank of America. Account was set up to decline all in event of not enough funds in account. The bank charged {$70.00} in fees. The bank credited {$35.00} after calling the call center. The bank would not credit the remainder. The call center changed the account with my wife. The new account is {$4.00} a month for a service fee and no {$35.00} service fees for insufficient funds. This is not the account that was opened in XX/XX/2019. The call center said that the {$4.00} monthly fee could be waived by going to local branch in XXXX New Jersey. The original account was for debit card use only. No checks are used for this account. Bank of America charged service fees for an account set up as DECLINE ALL. Bank of America charged fees and did not comply with the overdraft protections by law. My wife was not on the original account. Bank of America changed the account over the telephone and sent new account information through the mail. I find this is unacceptable to change the terms of an account and keep {$35.00}.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (UT)

I am disputing a nearly {$300.00} from a fraudulent XXXX delivery order I did not place on my Discover card. I received the items. I can't use the items. Most are for medical use, such as XXXX XXXX XXXX  and are not returnable. I was initially credited, but the decision was reversed in the merchant 's ( XXXX ) favor because they proved I received the items, which I did, but again, I have no use for them whatsoever. In their report, it clearly shows that the order was placed from a Pennsylvania IP address. I am in Utah. XXXX should have much better security to prevent something like this from happening. The order was placed in the early morning so I had no chance of catching it in time. I am extremely disappointed this outcome and response by XXXX. I am disappointed in Discover as well. I am not sure how to proceed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Collection Account Reporting by XXXX XXXX XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding inaccurate and potentially unlawful reporting practices on my credit report. I believe these practices violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX  Account Balance : {$7800.00} Date Reported : XX/XX/year> Date Opened : XX/XX/year> Account Status : Open, Placed for Collection Details of the Complaint : XXXX. Balance Discrepancy : The reported balance is {$7800.00}, while the highest balance is listed as {$7700.00}. This inconsistency suggests potential errors in reporting, which directly impacts my credit score. I believe this inaccurate reporting violates FCRA guidelines. 

XXXX. Questionable Collection Reporting : This account was reportedly opened on XX/XX/year>, only XXXX month prior to being reported as Placed for Collection. Reporting an account so quickly without thorough validation raises concerns about XXXX XXXX Internationals adherence to FCRA requirements for accurate and substantiated reporting practices. 

XXXX. Lack of Documentation from Original Creditor : I have not received any documentation from the original creditor, XXXX XXXX XXXX XXXX  verifying the origination, history, and legitimacy of this debt. Under the FDCPA, I am entitled to complete validation of the debt prior to its reporting to credit bureaus. 

Requested Action : I request that the CFPB investigate XXXX XXXX XXXX for potential FCRA and FDCPA violations. Additionally, I ask that the CFPB require XXXX XXXX XXXX to : XXXX. Provide full and accurate documentation from XXXX XXXX XXXX XXXX verifying the debt. 

XXXX. Correct or remove any unverified or inaccurate information currently affecting my credit report. 

Impact on Consumer : This inaccurate reporting has harmed my credit score and may affect my ability to obtain credit. These errors have caused significant stress, financial insecurity, and frustration. 

Please notify me of the outcome of your investigation and any corrective actions taken. Thank you for your attention to this matter and for supporting consumers like myself in maintaining accurate credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (IA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These Remark have been detrimental to my life and credit health.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am submitting this formal dispute to correct the inaccuracies and Metro 2 reporting violations that appear on my credit report. The following accounts have been reported in a manner that directly violates the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 format requirements. 
XXXX  [ XXXX ] 1. Conflicting Account Status : Reporting the account as both " Current '' and " Closed '' is misleading and non-compliant with Metro 2 standards. 
2. Dispute Status Error : The status " Account Not Disputed '' is inaccurate and violates 623 of the FCRA. 
3. Late Payment Error : The account shows a 30-day late payment, which contradicts the XXXX balance and closed status. 
4. Inconsistent Reporting : Dates of last payment and activity are misaligned across bureaus. 
XXXX XXXX Account Number : [ XXXX ] 1. Duplicate Late Payment Marks : The account shows repeated 30, 60, and 90-day lates, suggesting inaccurate reporting. 
2. Inconsistent Dispute Status : Remarks indicate that disputes were resolved, yet the status remains " Account Not Disputed. '' 3. Misaligned Dates : Dates of last activity differ significantly between bureaus, undermining reporting accuracy. 
4. Balance and Term Length Issues : Term length and balance reporting are inconsistent, affecting the validity of the account.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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  personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Two hard inquires XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, fraudulent address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX pa XXXX, fraudulent telephone number XXXX, XXXX XXXX DELAWARE XXXXXXXX XXXX  XXXX BANKRUPTCY DISCHARGED Date Filed XX/XX/XXXX, a personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-31
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. (GA)

Subject : Dispute of Inaccurate XXXX  XXXX Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute the XXXX XXXX  bankruptcy entry listed on my credit report. The details of the entry are as follows : Reference Number : XXXX Date Filed : XX/XX/year> Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Joint Asset Amount : {$0.00} Basis for Dispute : Upon reviewing my credit report, I believe that there may be inaccuracies regarding this bankruptcy entry that could be adversely affecting my credit score. Specifically : 1. Joint Responsibility : I would like to clarify the nature of the responsibility associated with this bankruptcy. If there are errors related to joint responsibility or other details that inaccurately represent my liability, I request verification of this information.

2. Discharged Status : While the bankruptcy was filed, it was discharged on the same date, and I want to ensure that this information is accurately reflected in my credit report. It should indicate that there are no outstanding balances associated with this bankruptcy, as the asset amount is recorded as {$0.00}.

3. Impact on Credit Score : Given that this entry is present on my credit report, it may have a significant negative impact on my credit score. I request a thorough investigation into this matter to ensure that my credit report is accurate and fair. 

Requested Action : I request that you investigate this matter and correct any inaccuracies related to the XXXX XXXX bankruptcy entry on my credit report. Please provide me with documentation verifying the details of this bankruptcy, including any relevant judgments or rulings from the court. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you complete your investigation and respond to my dispute within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: U.S. BANCORP (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a XXXX XXXX XXXX debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above XXXX XXXX with a court hearing date of XX/XX/XXXX at XXXX am. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.