davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
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. (RI)

In XX/XX/XXXX, after I received calls from several different companies promising me high earnings, I was persuaded by the representative at XXXX that it would not only benefit my business, but that without it, I would not succeed. So, I purchased their marketing packages, and the most expensive coaching ever, because I never received but a few very basic instructional calls leading to nothing, my mentor told me the marketing would put my business on the first pages of XXXX search engine and companies would come to me to sell their product, however, I cant even find my site on XXXX search at all ; when searched it returns saying not secure. 
I paid them {$2400.00} with my bank Chase Bank XXXX card in XX/XX/XXXX I have come to realize I paid several companies who led me to believe that I would receive great earnings, I should have known better, but it all ended up being internet fraud. I have tried disputing the charges with the merchant and ask for my money to be refund several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED! 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting my money back.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was working from home as a XXXX XXXX XXXX XXXX. I was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a check from one company and it cleared with no problems at my bank, bank of america. Then the next month I received another check for my services and I again went to my bank to deposit the check and it was confiscated for fraud. I did not know the check was fraud and my bank advised me to close my account so I did. No questions asked. I no longer accepted jobs from the company but yet I went to open up an account and I was notified that my name was under fraud suspicion. I would like this issue resolved, this is false information. I pay taxes and bide by all rules. I need direction as to what I need to do to resolve this asap. 


Thank you XXXX XXXX XXXX XXXX Consumer # XXXX
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

There were upwards of $ 900+ on my XXXX XXXX card. I reported fraudulent charges to my card and they say they would remove them. They were removed and I had a positive balance on my card. I was not sent a new card. I then received a new bill with the charges placed back on it with additional fees. I contacted them and they said they would look into it. Meanwhile I paid to ensure that my credit would not suffer. They claimed to of not received any of these and added more and more fees. I have the copies of the bill pay info from my XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One WAS reflecting a 30 day late on my report from XX/XX/2012 with all 3 CRA 's. 
It was disputed and removed from XXXX and XXXX  but it remains on XXXX. 
if the 30 day late has been removed from 2 of the 3 credit reporting agencies why has it not been removed from the 3rd ( XXXX  )
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent a letter to TransUnion on XX/XX/year>, regarding a collection account that is on my credit report. I sent a letter to the Collection company and it was returned for insufficient address. On the letter I sent to all three credit reporting agencies. I informed them, the responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : '' The FCRA prohibits furnishers from providing information to a consumer reporting agency ( " CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. I requested they remove this account due to the FCRA violation. They responded with INVESTIGATION RESULTS : VERIFIED AS ACCURATE ''. Which means they obviously did not do an investigation because I still have not been provided with an accurate address, This is over well over 60 days ago and this account needs to be removed off my credit report.

The company is also in violation of Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ( C ) ALSO - they violated FDCPA - because at no point have they Spoken to me in person Spoken to me by telephone They did not mail me a collection letter giving me time to dispute the account and they never sent any electronic communication to me. Ive included a copy of the account on my credit report Ive also attached the returned envelope that proves they provided the credit bureaus with the incorrect address.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My ex fianc had a   XXXX   's credit card he opened in  XXXX  before I met him  XXXX   XXXX   XXXX   has an  XXXX  and  XXXX  's store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in   XXXX   and around   XXXX   I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  XXXX  's and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with   XXXX   XXXX   and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX  s refuses to remove it, even with a police report submitted to them.  XXXX  's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   's does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Consumer complaint received 2017-04-24
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. (OH)

My ex fianc had a   XXXX   XXXX   credit card he opened in   XXXX   before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Consumer complaint received 2017-04-24
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: EQUIFAX, INC. (TN)

I mailed a Multipl e Inquiry  Removal Letter by certified mail and the dispute was open on   XXXX   XXXX   XXXX    . I disputed  XXXX  inquiries that were being reported inaccurately on my Equifax Credit Report. The dispute was open on   XXXX   XXXX   XXXX   and completed on   XXXX   XXXX   XXXX    . The request I submitted contained  XXXX  hard inquiries that were not factual and I received the same response for all inquiries which read Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. These inquiries do not belong to me. This is unfair practices by a credit reporting agency ( Equifax ) with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a letter from bofa about how to remove private mortgage insurance from my loan. The original sales price of the house was {$48000.00} and the current balance is {$37000.00} which means I have just under 22 % equity. The very first sentence in the letter says : current the loan to value ratio of your loan, which is based on the original sales price has n't met the established 80 % LTV requirement which is not true. When I called the number on the letter to inquire the representative contradicted  2 f acts in the very first sentence of the letter - she stated that the  LTV  they like to see is 75 % and it is based on the original loan amount not the purchase price as clearly stated in their letter. This seems misleading and unethical. I was told the only way to drop the pmi is to pay {$520.00} for a new appraisal.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  XXXX   XXXX   XXXX   XXXX , I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to  XXXX  again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.  XXXX  has completely ignored the mistake, even after sending them proof from the original creditor.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical & Professional Collection Services, Inc. NC. (IN)

The company MEDICAL & PROFESSIONAL COLLECTION SERVICES, INC has a collection claim for the amount of {$1400.00} on my XXXX credit report. I visited Indiana 's Secretary of State website to verify the company and while attempting to verify the company I noticed that the company 's license to conduct business in the state of Indiana has expired on XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX this collection agency is not currently licensed to do business.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have looked deeper into my credit reports. I noticed an incorrect balance being reported on a vehicle installment loan. After difficulty getting ahold of  Capital One Auto Finance,  I was able to get them to send me payment history. On  XX/XX/16    I sent a first letter to  XXXX , with payment history as proof, advising them that they were reporting an incorrect balance on that particular account. Unfortunately they ignored my letter. Then on  X/XX/16    I sent a second letter to   XXXX   again advising them of mistake, which again they did not correct the incorrect balance mistake. They are reporting a balance of {$7200.00}, when in fact the correct outstanding balance should be of {$6400.00}. This inaccuracy has negatively affected my overall ability to receive credit. At this point I do not know what else to do.   XXXX   has completely ignored the mistake, even after sending them proof from the original creditor.
Consumer complaint received 2017-04-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (UT)

In   XXXX   XXXX     while trying to refinance my home, i found a lots of credit inquires i did not initiate, including a   XXXX   XXXX   CC i did not apply for. I Filed with   XXXX   XXXX   XXXX   and completed the process ultimately freezing my credit. I had multiply accounts removed from my credit and thought i was done. One of the accounts removed from my credit by  XXXX  was from  XXXX  funding who i assume once it was removed from my credit sold it to  XXXX   XXXX  bank. i then disputed the information again with  XXXX   XXXX  bank and received no response from them. And now a new company called Resurgent capital Services is try to take over the already deleted debt, sending me threatening letters and providing vague information in letters saying it is the information i requested. I specifically requested information regarding the bank account information they supposedly sent the funds to, because i received no such funds, in addition i have never lived at the address they have listed in association with my name. I have filed police reports and they are included in these reports. I am requesting the CFPB take action against this company because now they are sending letters stating i have not provided enough information to " support your claim '' of fraudulent charges. i am very concerned because now they are sending forms to fill out requesting all of my information ( id. drivers lic number address, SS number, past addresses, DOB, Police reports, ETC. ) which given the lack of information they seem to posses now feels like even more of an infringement of my privacy. Please advise. Thank You.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite numerous attempts to resolve the issue with these extortionists they refuse to provide me with adequate proof required under law that the debt actually belongs to me. First and foremost at the time of the alleged debt I was fully insured by XXXX XXXX and had no debt owed to any hospital as far as I know. I have asked memories times for Proof since my wallet had been taken that year, a report made with the police and was fully employed and insured at the time of the alleged debt. 

Experian must honor there non compliance issues by following the law as well. If the can send me my signature on the paperwork that outlines the debt I would be happy to let it go. I have moved since then and had received nothing on the mail to constitute the recited bad payment history as well.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AL)

On XX/XX/2018 I disputed a negative collection being reported by Diversified Consultant on my credit files with XXXX, XXXX  and XXXX. All of the credit bureaus responded back saying the information they are reporting was verified but they sent me no prrof of the verification or validity. I have no knowledge of this collection nor have I ever had an XXXX XXXX XXXX account whom Diversified Consultants are collecting for. I have never receive any debt notices nor have I received any paper work with signatures validating the validity of this collection account. I would like the negative information to be removed from all my credit files
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MD)

I received a debt collection notice via usps mail from XXXX XXXX XXXX , XXXX. ( XXXX ( XX/XX/2018 ) The original credititor is XXXX XXXX, original Acct num-XXXX. The XXXX   acct num is XXXX, the current balance is {$320.00}, the current owner is XXXX XXXX XXXX. I have neither received nor applied for credit from either of theses companies. I contacted XXXX on XX/XX/2018 @ XXXX. The representative stated that the original creditor is XXXX. I have neither received nor applied for credit from this company either.
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (CA)

I made a final payment to XXXX to close my account on XX/XX/XXXX. This included a $ XXXX charge for an old phone only worth {$150.00} by trade-in! That payment was lost by XXXX, but I was not informed. I logged on to their website to download an old bill for my files and saw the outstanding balance. I contacted them and provided proof of payment. Yesterday, I got a credit alert saying I had a new collection account from Allied Collection Services, who I have never heard of or from. The note on the alert says " XXXX '' as original creditor. Not only is this debt invalid, the collection agency failed to send proper notification of the debt or option to dispute. I have never, ever gotten correspondence from Allied.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (CA)

I was double charged on my account for all transactions I have made since XX/XX/XXXX using my debit card on https : //www.coinbase.com/ - I have attempted to contact customer support but they are extremely hard to contact, and I haven't been able to speak to anyone. I sent in a ticket already but I need this resolved ASAP.

These duplicated charges all occurred yesterday ( XX/XX/XXXX ), I will leave a list below of the transactions.

My initial purchases were debited from my account on : XX/XX/XXXX - {$500.00} International Service Fee Assessed {$4.00} on {$500.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$4.00} XX/XX/XXXX - {$300.00} International Service Fee Assessed {$2.00} on {$300.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$2.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX  at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$3.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$3.00} - These are the duplicate charges : XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$300.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$500.00} Please let me know anything else you need, Thanks.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I sent a CERTIFIED MAIL DEBT VALIDATION letter to XXXX XXXX XXXX requesting that they VALIDATE NOT verify a debt that they are attempting to collect from me. I specifically asked for a singed agreement and other supporting documentation. They provided me with account summary which does not prove i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted asap. I have no obligation and or contract with them at all. They have failed to provide proper documentation in the 30 days also. They have failed to show me a sign document where i have applied and sign for it also. 15 U.S. Code 1692c states ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given any company above written consent to contact me about alleged debt.