davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I was scammed by a person that was supposed to help me pay my credit card off. He gave me this bank account information and told me which amounts to take and pay off my card. The first payment he had me pull from the account was {$3700.00}. The second payment was {$1000.00}. He wanted me to buy 10 XXXX gift cards with the last payment that was posted on my account. When I questioned him, he got angry and told me he also needed steam cards and a cash advance. A couple of days later the payment was reversed. I told him Chase could not find the funds. He called Chase a liar. I called my bank, Chase, to tell them that I got scammed and that the payment may not go through and wanted to cancel the payment. The call was placed on XX/XX/18 around XXXX. The rep stated she would note the account and I would only have to pay a reversal payment fee. The rep did not note the account but there is evidence of the call and she was looking at my account at that time. My Chase Freedom credit card got closed XX/XX/2018. I have talked to three reps at Chase since and they all told it that I was committing fraud and I could not get my card reinstated. I have emails and text messages as proof. If I was a criminal, I wouldn't be in debt. The scammer 's bank account is with XXXX XXXX. I looked online and I am not his only victim. Apparently, they are located in XXXX.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my repeated attempts to resolve the issue of fraudulent inquiries on my consumer report, I have not achieved a satisfactory outcome. These inquiries are not related to me, and I am not responsible for them. Their presence has caused me significant XXXX  and financial XXXX. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not addressed appropriately. The inaccuracies on my consumer report have severely impacted my ability to purchase my dream home and support my family. For your reference, I have attached a copy of my previous letter to the Federal Trade Commission ( FTC ), which outlines this issue and requests a resolution.
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/2018, I sent XXXX XXXX XXXX a certified letter with return receipt asking them to validate a debt they had listed on my credit report. They received it on XX/XX/2018 and never responded within the 30 day time limit. To this day, they have not validated the debt by sending me documenation showing that the debt is mine and they continue to report negative information on my credit report.
Consumer complaint received 2024-10-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (GA)

I am writing to formally submit a complaint regarding inaccurate information present on my credit report issued by all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Upon reviewing my credit report, I have identified several discrepancies related to accounts from Upstart Network , Inc . Specifically, the following negative information has been inaccurately reported : XXXX. Account Number : XXXX - Reported as charged off with a highest balance of {$14000.00}. 
- Status is misleading, as I have made timely payments historically, and the account should be reported as current. 

XXXX. Account Number : XXXX - Reported with an unpaid balance as a loss claimed by creditor. 
- This account is inaccurately depicted as overdue when all payments are up-to-date. 

XXXX. Account Number : XXXX - Similarly reported with misleading status of collection/charge-off. 
- I dispute this claim as I have records proving timely payments for this account. 

Despite my efforts to resolve these issues, including disputing them multiple times with the credit bureaus, I have not received a satisfactory resolution. Recently, I was served by a deputy on behalf of Upstart Network , Inc. 's attorneys, which has caused me significant distress. This legal action appears to be an attempt to pressure me regarding debts that I have been actively disputing and which I believe to be inaccurately reported. 

Furthermore, I am formally requesting debt validation for the accounts in question. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to receive documentation substantiating the claims made against me. I expect a thorough investigation and validation of these debts, as I have reason to believe they may not be accurate. 

The inaccuracies on my credit report violate provisions of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies ensure that information is accurate and up-to-date. Under Section 609 of the FCRA, I am entitled to request the removal of this inaccurate information, and I am requesting immediate action to rectify these errors. 

I urge the credit bureaus to thoroughly investigate these discrepancies and validate the debts in question. Additionally, I request that all negative information related to these accounts be deleted or corrected accordingly. 

Please confirm receipt of this complaint and inform me of the steps being taken to address these inaccuracies and fulfill my request for debt validation. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-04-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Quicken told me I was going to get my remained funds from my old escrow account ( {$1900.00} ) after refinancing with them. After we closed the refinance I received a statement saying I would only be getting {$150.00} and they netted my funds into the loan. I NEVER TOLD THEM THAT WAS OK AND I WAS NEVER ASKED IF THAT WAS WHAT I WANTED. They use deception to give you low numbers throughout the loan and constantly change what they say. I had multiple occasions of issues with them and they constantly shoved me to different people that handle complaints but no one that can resolve anything. They simply just say how they are sorry and that they take this matter seriously, and when you ask for resolution they tell you how they are going to have someone higher up contact you. Then that person contact you and they have no idea what the situation is about so you have to re-explain everything again, its like they are trying to wear you out so you just end up letting the complaint go.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

In checking my credit report as I do every week, I noticed XXXX XXXX had listed a negative report from Enhanced Recovery Company. The creditor name is XXXX XXXX XXXX, account open XXXX, stated open 2 mos & reported XX/XX/XXXX for amt. {$100.00}. I have NOT opened an account with such named companies & I do NOT know who they are. 
XXXX XXXX repeatedly makes messy errors on my credit report & refuses to correct it when I request it! How can you open an account XXXX XXXX XXXX XXXX show it is open for XXXX mos the beginning in XXXX? The way I pay my bills I would NOT allow anything to destroy my excellent credit! NOTHING reported on my credit report is correct! My credit score should be much higher. I have not applied nor had I opened any accounts this year. Please remove. XXXX XXXX needs to respect my request from a year ago & remove those inquiries. Some inquires are listed more than once. Enhanced need to stop calling me and remove that erroneous account from my credit report. A 34 point drop in my score is horrifying!!!! Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (FL)

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES INXX/XX/XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XX/XX/XXXXStop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (GA)

Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me XXXX XXXX XXXX XXXX, XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX???? they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too?

I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.
Consumer complaint received 2020-04-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$9000.00}. 
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/ 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. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (VA)

I have been using the prepaid visa debit card Cash app for about 2-3 years. You can not spend one cent over your limit. If you are over when paying it is rejected immediately. I used my card for my stimulus  payment due to the pandemic. I bought what I needed. As of XX/XX/2020, I had a balance of {$180.00}. When I woke this morning at my cash app sent a message saying I was - {$140.00}. They have no customer service phone with live agents to immediately report the problem only email support, which they send only generic responses. I believe the cash app is stealing the stimulus funds, should be looked into under the RICO Act and shut down for extortion. I also believe this is XXXX. What reputable company has no live customer service? I never had an issue with this card until I received the stimulus payment. I regret having used this card. I need help. I do not owe the cash app {$140.00}.
Consumer complaint received 2018-07-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

I was sent several emails by your admission staff that outlining the classes in which I would be required to take in order to obtain my XXXX degree from XXXX. After several adjustments to regarding acceptance of my credits from other colleges, the school and I finally came to an agreement on my courses and I signed a promissory note to attend your school. After I signed the promissory note and started in my first class, I was informed by your staff representative, that XXXX was not going to honor our agreement of courses and that I would be required to take twice as many classes as I had agreed to take in order to obtain my degree. I immediately withdrew from my classes and informed your staff that I would not be attending XXXX for breach of contract and oral agreement and fraudulent misrepresentation. 

Again, I stress I have every email outlining these events. I demanded, at that time, not to be billed and that my student loans not be charged. XXXX has not only billed me for their Breach of Contract and Fraudulent Misrepresentation, but I now have student loan debt, and this has been reported on my credit report damaging and defaming my credit.
Consumer complaint received 2020-04-20
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: CITIBANK, N.A. (TX)

On XX/XX/2019 I booked a hotel using a travel site called XXXX at XXXX XXXX XXXX XXXX. I was to pay several installments via their " Pay Delay '' program of {$450.00} to XXXX, who would then forward the total sum to my hotel. On XX/XX/XXXX, I received an e-mail from XXXX stating that due to COVID 19, my reservation had been cancelled and that they would be unable to process any refunds. " You will need to speak to your credit card 's issuing bank for your options. '' I submitted all of this to Citibank 's credit card dispute department. They are now claiming that the investigation has been completed ( after 29 days ) and the dispute was judged IN FAVOR of XXXX. How can these crooks take our money and run? And how can Citibank not see that I am owed the total of {$1800.00}? As soon as you go to XXXX, their website explicitly states that NO REFUNDS can be issued and that we will have to go directly to our banks for assistance. Now, I've contacted Citibank 4 days in a row and I am unable to speak to anyone. The recording tells you that due to high call volume, call back later. This seems to be the easiest case to prove that the merchant did not deliver their promise of a hotel reservation. With the financial burden of the COVID pandemic, we absolutely NEED this money. Looking forward to seeing how the CFPB can help.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (TX)

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 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

My name across the bureaus is not correct, should just be XXXX XXXX. 
I have a lot of inquiries that should be removed based on time or the fact that I did not accept the terms of the loan/financial product. 
Account issues that are accurate or missing XXXX XXXX XXXX XXXX XXXX  is missing from XXXX XXXX XXXX incorrect date for the account open XXXX. XXXX XXXX incorrect date in formation for account open XXXX XXXX XXXX - missing reporting on XXXX XXXX. XXXX XXXXXXXX XXXX missing consistent reporting on XXXX and Equifax, date open, and status XXXX XXXX incorrect reporting, date open, status, payment history, and paid off XXXXXXXX XXXX  incorrect reporting paid in good status, and not showing correctly across bureaus XXXX. XXXX XXXX incorrect info across bureaus date opened, last used/status, and debt amount, and purchased through another group XXXX. XXXX XXXX XXXX XXXX unaware of account and not reported across bureaus consitently XXXX. XXXX good account paid on time but not reported across all bureaus XXXX. XXXX - account paid on time, incorrect debt incorrect open closing and payment history XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - account sold off but paid XXXX account on time item XXXX, don't own this debt XXXX. XXXX ( Original Creditor XXXX XXXX  ) paid on time on issues don't own debt no proof of debt and not reported across bureaus correctly 14. ( Original Creditor : ) - medical bill paid, don't own debt, and not reported across all bureaus XXXX. XXXX XXXX XXXX - reported twice, inaccurate, and do not own debt XXXX. XXXX XXXX - paid on time and not reported across bureaus, good acct XXXX. XXXX XXXX - don't own debt, sold vehicle, cleared the debt and inaccurate info on debt date opened, status, conditions of debt XXXX. XXXX - incorrectly reported, information not correct across bureaus XXXXXXXX XXXX XXXX XXXX incorrect information across bureaus, date opened, balance, payment history XXXX. XXXX - paid and not correctly reported across bureaus XXXX. XXXX XXXX XXXX not reported correctly across bureaus, paid on time