davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (SC)

I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. 
I have told Discover not to contact me any more and that I am considering filing charges against them.
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (CA)

At one time, we had a subscription to XXXX XXXX which we did not renew. We no longer receive the magazine. Lately a company named North Shore Agency, which identifies itself as a collection agency, has send numerous threatening letters giving us the " opportunity to reinstate our subscription in the amount of {$17.00} before further collection activity becomes necessary. '' I researched this company on the internet and there are XXXX complaints about people receiving such threatening letters related to magazine subscriptions people never had or did not renew. Obviously this is a scam.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (FL)

So I had an Amazon credit card with chase. Apparently, once you acquire an Amazon card it becomes your default card when you purchase. I made a purchase on the card unknowingly of course so I was late 40 days, which I paid the remaining balance today. I proceeded to ask Chase as to why did no one call me? Their response was well you were late in XXXX for an amount of 8 dollars, which I paid as soon I learned about. Oh we sent an email, they said. To which I replied, brother I have been a loyal customer barely used the card and when I use it I pay it off. Why would you not call me instead of ruining my credit? If you are able to use predictive analysis to know if I am shopping outside my area so Chase does n't loose money why does n't Chase call me? It must be better to charge me the 50 bucks on late fees and ruin my credit so they can charge a higher interest rate. To add insult to injury I was told by various representatives that Chase is not responsible for calling their customers.
Consumer complaint received 2015-06-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have XXXX complaints about all XXXX major credit bureaus ( XXXX, XXXX and Trans Union ), that show they are not taking the proper precautions to protect individual 's identities, and have practices that cause consumers who have been victims of identify theft to pay for services that they are entitled to get for free. 1 ) All XXXX are using very outdated SSL security on the websites that one must use to enter social security information, which means an unsophisticated attacker can easier capture SSNs in transit. 
2 ) In order to get a free credit freeze when consumers who have proof of identity theft MUST send that proof by regular mail, which includes the consumer 's SSN, to a XXXX for all XXXX bureaus, with an address that includes the bureau 's name and " credit freeze '' in the address name. This makes identify theft through the postal mail extremely easy! The postal service loses large quantities of mail each year. Also, this means it will take more time to place the credit freeze due to waiting for regular mail to make it to/from the credit monitoring bureau. For those reasons, I felt the need to pay for the freeze service that I was entitled to get for free. 
AND, I could not find any place on any of their websites where I could contact them to raise these issues.
Consumer complaint received 2015-06-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My credit card was closed by Bank of America due to a security breach and a new card was issued. The new card was then subject to fraud within XXXX day of using it. There is a credit balance on the original card and the Bank has been unable to refund that balance or transfer to my new card for over a month. I have made XXXX calls lasting over XXXX hours in total and each time have been told the balance would transfer in XXXX days. It has not happened.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (LA)

in 2010 i just graduated from XXXX and rented a room on a 30 day trial run to see if i could make it as a XXXX. they had a small business which rented rooms to XXXX XXXX and another XXXX. a lady selling credit card machines invited us to all group together to use XXXX terminal and each have a specific number for each of our transactions the lady sat us down all together and verbally told us there were no commitments until 30 days and if we closed after a XXXX period of time the contract would be voided. if i sent her a picture of the empty room in which i did close with in the designated time before i became locked in the contract after the 30 day trial. everyone of us shared the terminal and we returned it within the specified time frame when the salesperson came to see my closed XXXX. i had not had a XXXX and did not even have a rental agreement for the room.which also was on a trail basis.i did n't even meet certain guidelines for even being able to get the offer of a terminal .that 's why she said it was a trail run.because i did n't qualify until i had the correct paperwork and XXXX which i could not afford to do. I was not the only person w a contract and if i did n't use the terminal alone there should be others that can verify the verbal agreement of the trial 30 day term.please try to help.the representative did not tell us the truth when we signed the paper.she said that there would be no problems that she would guarantee us that we were not responsible if we could n't afford to stay open.i could n't even pay for my supplies.why would i obligate myself to a huge contract? and the rep knew that and she still trapped me into signing along with other people who signed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 2 personal credit card accounts opened at XXXX XXXX  on XXXX XXXX under the account number XXXX, XXXX XXXX opened on XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and XXXX collections account opened at XXXX XXXX XXXX with a balance of {$9500.00} under the account XXXX and XXXX with a balance of {$690.00} under the account XXXX. Also 4 inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my 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 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

I had service with XXXX. Contacted XXXX before I went on cruise and was assured that I will not be charged extra charges for my phone service. I came back off cruise and receive a phone bill for XXXX for charges XXXX claim came from XXXX cell towers. XXXX XXXX the charges were billed to my sprint account from carnival. No where in my contract about third party billing.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not promptly closing all current disputes on my credit report and removing associated dispute comments. Despite my request, Experian has not ensured that the information on my credit report is 100 % accurate, which is causing significant issues as I am in the process of purchasing a home. 
Under 15 U.S. Code 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy in the preparation of my credit report. Additionally, per 15 U.S. Code 1681i ( 5 ), any information found to be inaccurate, incomplete, or unverifiable should be promptly deleted or modified.

I have already identified unverifiable, invalidated, inaccurate, and questionable items on my credit report that your agency has not corrected. This has led to unnecessary delays and complications in my home purchase process.

I am urgently requesting that Experian comply with the FCRA by immediately closing all previous investigations, removing all dispute comments, and ensuring that all information on my credit report is accurate.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In XXXX I pulled my free credit reports. I noticed that Portfolio Recovery Associates had recently placed a collection account on my file. I did not recognize this account and initiated a dispute. The dispute came back as the account being verified. I called Portfolio Recovery to inquire about the account and they informed me that they could not take any action on the account until XX/XX/XXXX because they were waiting on the original creditor to furnish verification documents. Portfolio Recovery reported negative information to the credit bureaus before verifying the information. When I questioned the validity of the account they were unable to provide proper documentation. The representative did state that this account is a charge off that is dated in XX/XX/XXXX. This false reporting has caused me to be denied for credit.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CA)

the chevron credit card consumer are over XXXX member ship charging ( LATE PAYMENT FEE XXXX ) IN XXXX BIG HOLIDY PER YEA. XXXX X {$50.00} = {$50000.00} .ENESENCE CUSTOMER PAYING {$50000.00} X XXXX BIG HOLYDAY = {$300000.00} corruption indpend howmany member ship this corruption jus only CHVRON CREDIT CARD DOING THE BIG HOLLYDAY XXXX PLEASE STOP THEM .AND punishment customer services in XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I need your help addressing the false account information on my credit report. This situation has negatively affected my reputation, and I require your assistance. The way my credit report has been managed has put me in a difficult position, and the incorrect data has damaged my reputation. Please correct these mistakes so I can restore normalcy for my family.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

Equifax is blatantly reporting my current mortgage as " Included in Bankruptcy '' in XX/XX/XXXX. 
The account was just opened and attached is the current status of the account which is " Pays As Agrees '' as of XX/XX/XXXX. The account in question is : Loan # XXXXI am constantly correcting issues with my credit report with Equifax, who is the only credit bureau reporting this incorrectly and this has been on my file for over 30 days. I am filing this report as the first step in lawsuit against Equifax. The issue has affected my credit status and I respectfully ask the CFPB to investigate laws broken by Equifax.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My bank account is at Citizens Bank. I reside in XXXX. I have had this account for XXXX years. At first I might show an overdraft at the beginning of the year when my health deductibles had not been satisfied. Each time I was charged {$35.00} to {$37.00} dollars overdraft. I had my debit card management changed so that the transactions world not go through if there were insufficient funds as I was unable to tell what the bank was doing. My paycheck is electronically transferred over night on Thursday to Friday. I had my mortgage payment bill pay set to go out the day I got paid for years and never had a problem. Last year I decided to link my savings account to the checking account to decrease the overdraft amount from $ XXXX to {$6.00} to ovoid the XXXX quarter phenomenon. Well, I began to bounce checks on a regular basis including the mortgage payment which I knew was traditionally paid on payday. I called the bank and got some story about the items being entered as they come in and the payment must have been entered first. Recently, I paid a painter {$400.00}. I told him the check will be good the next day on Friday after I get paid. Citizens bounced the check and something like that had never occurred prior to hooking the savings account to the checking. I have a long history of accounts at XXXX, XXXX XXXX and an XXXX XXXX XXXX and never bounced checks because of careful planning. I am unable to plan payments anymore at Citizen 's bank nor am I able to track what the Bank is doing because my web access does not show that. Thus, they are enabled to shift income and payments to overdraft my account. For hard working, responsible individuals, such as myself, this makes it impossible to manage a budget and it smacks of thievery on Citizens Bank 's part. Can you assist?
Consumer complaint received 2015-06-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IN)

XXXX coded my emergency visit under dental so insurance was not covered. The bill was very high and could not pay for it so they sent this over to collections. The company called me several times and said that if I paid them this would not affect my credit in a negative manner. They put negative remarks on my credit even though they were paid
Consumer complaint received 2024-08-29
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: Experian Information Solutions Inc. (FL)

I discovered this morning that there are unauthorized inquiries on my credit report, and I can't understand why. When I checked my report as I usually do, I found unexpected discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. I'm asking for a thorough review of the documents I've submitted so I can finally stop worrying about this.