davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

Good Evening, I just got off the phone with the representatives with XXXX XXXX card services. I'm not sure where the breakdown is but I never had any account or relationship with your company, XXXX XXXX. This account does not belong to me it was actually for XXXX XXXX XXXX and I had no responsibility and never applied for giving consent for my ss card to be used. I need this removed out of my credit report once it for all. 

Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OK)

Upon receiving copies of my credit report I found a debt that does not belong to me. It is from XXXX XXXX and being collected by LVNV Funding LLC/Resurgent. I have other credit one accounts in good standing and therefore this debt is not mine. I have sent debt validation letters and received nothing in return from the company. I have also disputed it with the credit bureaus to no avail.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-26
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. (PA)

This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My XXXX XXXX XXXX mom and I share a checking account with chase bank. On XX/XX/XXXX we noticed small increments being deposited to our account. XXXX cents, XXXX cents etc. the next day we noticed multiple phone transfers to an account XXXX by XXXX that we never heard of totaling {$4900.00}. Chase revered the charges but then days later reversed the reversal leaving our account- {$4700.00}. This should have been a red flag at chase since I only had {$400.00} in my account. I went to see local branch manager, spent hours and hours on the phone with claims and fraud dept to no avail. I then called chase corporate. I got the same answer from everyone. Nothing they could do. I even sent email to XXXX XXXXXXXX XXXX of chase. Havent heard from his office yet. 
They now want my mom to pay pack all this money which is crazy. She only had {$400.00} in her account. They said they got in touch me an I agreed these transactions were legit. I never, ever would agree to something like that. Doesnt make any sense. They are now taking my moms social security checks to pay this money back, that was their mistake, leaving her penniless. All we want is for her account to be whole. The {$400.00} and social security check, {$1700.00}. On XX/XX/XXXX they will take her next social security check. 
Please, if anyone could help us.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I canceled my account in early XXXX because I saw the annual fee had posted and didn't use the card. I received a statement on XX/XX/XXXX with a balance of {$96.00} - the annual fee plus interest. I haven't used the card in months and canceled right after the fee posted. BOA said they would send me a check, but I'm unsure what the amount of the check will be or when I'll even receive it. I also have to spend my own money out of pocket since the statement is due on XX/XX/XXXX.
Consumer complaint received 2023-06-26
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. (LA)

This company XXXX XXXX Acct XXXX XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I opened a Chase business checking account for my business on XX/XX/23. I deposited checks for customer orders for about a month and a half. I called them on XX/XX/23 about a payment issue and they told me my account was restricted due to I think they said some stop payments. All of the rest of the checks cleared ( and all the checks are legitimate checks of course ). I tried to resolve this on the phone to keep the account open by them verifying the checks. But XXXX of the check makers did not want to give out the information over the phone to them so they said the account would then be closed. I received a letter in the mail from them saying the same thing. They said my account would be closed on XX/XX/23 and a check would be sent to me in the mail for the balance. I called them again on XX/XX/23 and they told me they had to verify all the checks yet again before releasing the funds to me. They already went through this exercise. Also, the balance consists of checks that have long since cleared. They are holding my account up and not releasing the funds to me.
Consumer complaint received 2023-06-26
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX, I paid a regular monthly mortgage payment ( listed on their web page ) as a ( Minimum Payment Due ) instead of a ( Next Regular Payment Due ) ahead of time - to be applied for the month of XX/XX/XXXX - Instead Chase Bank applied the payment to the Loans ( Principal Balance ) or note as a ( Principal Prepayment ), without my written permission, or notification, as ( written in the Loans Note ) under the ( Terms of Prepayments ) of the Original Loan with XXXX XXXX in XXXX : I had no problems with XXXX XXXX pre-paying my ( regular monthly mortgage payments ) ahead of time, in fact at ( 1 ) point I had prepaid my regular monthly payments nearly ( 1 ) year in advance : Chase has a Faulty, if not Intentional Payer Online System or Webpage, that does not apply a prepaid ( Regular Monthly Mortgage Payment Early ), instead their ( Bait & Switch System ) Automatically takes your ( Minimum Payment Due ) or your ( Regular Monthly Mortgage Payment Due ) - & applies it as A Pre-Paid ( Loan Principal Payment ) without you knowing & without Chase Bank asking your Permission to do so at the ( Time of Payment ) : You later find out your ( Payment has not Posted ) correctly, & then you have to Beg by Telephone to get Chase Bank to apply your payment properly. 

With excuses from Chase Bank like, I ( the Borrower ) was short on their Escrow Account, so they applied the early ( Monthly Mortage Payment ) to the Escrow Fund, instead of applying the payments according to the terms of the Note : Yet Chase Bank has a separate online column or Button to Prepay your Principal or Escrow early if you choose to, So how can they mistakenly take your ( Regular Monthly Mortgage Payment ) & apply it to the Loans Principal without your Knowledge, or Approval, or by Your Online Action, then make you call them and wait for approval to correct the transaction? 

When Chase Bank Broke the Terms of the Note, & the Servicing Agreement, intentionally, by an illegal algorithm, or system, designed to apply ( Regular Monthly Mortgage Payments ) to your ( Principal ) without your ( Knowledge ), then ( Refusing by Phone ) to leave a Voicemail, concerning, if they will decide to apply your Mortgage Payment Properly in a timely manner in the Future?

Are, they ( Chase Bank ) making money on your payments applied to the ( Principal ) rather than towards your ( Monthly Mortgage Payment ), or by stalling to apply the money properly for days or weeks, on end? 

Note : By reducing the balance of Your Mortgage Loan, rather than using the Money for your Monthly Mortgage Payments, Chase Bank is reducing their, portfolio exposure by paying Loans off sooner : Screen shots are available of the Chase Mortgage Web Page- Please just ask Chase to offer their Facts of My Loans Web Page - Today on XXXX Thanks for your time : )
Consumer complaint received 2021-03-05
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. (OH)

I have sent numerous dispute letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Consumer complaint received 2023-06-26
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MA)

Good Evening, I just got off the phone with both XXXX and XXXX at EOS CCA company in regards to alleged debt from XXXX acct # XXXX, and it keeps showing that I still owed {$360.00} but this debt has been paid down in full with reference number # XXXX ... This is reporting wrong balance and they both mentioned that once it's paid that they will fax me the letter and put an order to get it removed or deleted from my credit report. 

Again, I had disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor.
Consumer complaint received 2019-09-09
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: DISCOVER BANK (TX)

i spoke with a lawyer and they told me to contact you'll concerning my problem with discover credit i called discover on XX/XX/XXXX at XXXX ; XXXX and spoke with XXXX about the {$7000.00} charges on my card they canceled my card and said they would investigate later i received a letter stating they reviewed my account and determined the transactions was not authorized by me and all unauthorized charges have been credited to my accounted and when i received my statement there were no changes to my account i called them back and i was told the letter was a mistake and they can only go back to XXXX and check my statement i ask were they destroyed she said no their system want allowed them to go pass XXXX i ask how you know i owe that amount if you can't see the charges she said i can't go pass XXXX i only want them to show me the charges that i know didn't make and i don't want to destroy my XXXX credit score by not paying for charges i didn't make please help me if you can
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (FL)

On XX/XX/2023 I applied for a secure credit card filling funding the card the same day with {$500.00}. I called XX/XX/XXXX to get a refund I also callled again and email the company asking for the status of my refund for XXXX I told them I dont want there services and to refund my money back to my card. The company purposely waited.and I spoke with my bank to inform them on a XXXX way call the merchant said he will Refund me back {$500.00} but it will be 4 7 to 10 weeks ans they will send me a check I then told First progress to provide me with certified confirmation of the check that they said they will mail off to the address I have them to mail it to but he told me He couldnt do that. Company within enough time to refund my phones back to my card. However, they purposely didnt. If you look on The company XXXX  it shows a reputation of this. I was never giving a reference number or anything showing that the account is closed and the refund is on its way.. First progress and my bank both were on a three way phone cal this morning on XX/XX/2023 First progress apologized because they couldnt send the funds back to the original card Im requesting proof of my refund and to speak with someone in a hire department because they should have been able to credit it back to my card
Consumer complaint received 2023-06-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (GA)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase credit card ending in XXXX that had a statement balance due of {$24000.00} for the billing cycle of XX/XX/XXXX - XX/XX/XXXX. 

I paid a total of {$24000.00} ( {$100.00} more ) during this period, the last payment of which was following the online prompts on XX/XX/XXXX specifically to pay the remaining statement balance in its entirety to avoid any finance or interest charges. 

Even so, I was just charged {$150.00} in interest fees for this exact statement cycle in spite of having fulfilled my obligations as a credit borrower, using Chase 's own processes and calculations for remaining statement balances owed to pay my credit card in a timeline manner with 5 days remaining before the payment due dates. 

Chase phone support acknowledged their ability to reverse the charge, but refuses to do so, citing some XXXX about daily interest rates and how there was some kind of leftover balance that still triggered the interest accrual to assess fees. 

When asked to get a transcript of the call, I was told they couldn't do that. When asked to get an email summary of their decision and reasons, I was told no. They were completely unhelpful and not at all interested in taking responsibility for their error, instead attempting to bamboozle me into accepting their " logic '' for why paying a statement balance in full should still generate interest charges. I've had credit cards for decades. I know how their statement balances work, and this is outright theft.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I disputed a debt owed to XXXX XXXX that was sold to Midland Funding LLC. A Incorrect balance is being reported to the credit bureaus. Midland Finance responded to my dispute stating We have found that our information is correct but did not provide me with any type of validation of this debt owed. They did however provide a letter from XXXX XXXX stating that the Account was sold to Midland Funding and that I should contact Midland Funding if I have any questions about this account.
Consumer complaint received 2023-06-26
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. (VA)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.