davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

In XX/XX/XXXX a person served papers to a member of my household from Portfolio Recovery Associates. The date of service is not available on the document served ( see attachments ). 
The documents included a court notice to appear in XXXX XXXX court in XXXX, Tn on XX/XX/XXXX at XXXX. 
Case # XXXX The court originally received the information on XX/XX/XXXX. 
There was no effort to inform me of this until XX/XX/XXXX that I am aware of. 

The documents provided by the process server did not inform me that I could dispute the debt ( as required by the FAIR DEBT COLLECTIONS PRACTICE ACT ) nor did the documentation provided show that Portfolio Recovery Associates actually had standing as a legal owner of any debt to collect the debt they allege is owed to them ... other than a statement written and signed by a XXXX of records who showed no proof of ownership simply a statement. 
I will appear in court and dispute their allegations as I am a permanently, totally XXXX veteran and do not have the money to pay an attorney to represent me. I do not have any funds other than my VA XXXX and those funds can not be garnished as Portfolio Recovery Associates surely is aware. 
This organization has repeatedly used unlawful methods and deceptive practices and it is my intent to make the CFPB aware they are not ceasing their past behavior. They continue to pursue individuals for debt they did not incur simply because the defendents are unaware and unable to defend themselves against this predatory creature that feeds off others ' misfortune. 
I hope the CFPB will hold XXXX accountable if they agree that this organization has once again ignored its obligation to follow the Court Orders the CFPB has in place against XXXX currently.
Consumer complaint received 2023-10-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$680.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-04-03
Product: Credit 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: SYNCHRONY FINANCIAL (NJ)

PayPal 's interaction with XXXX XXXX unearths an alarming pattern of financial entanglement when a person registers for the latter 's services and attempts to cancel on the same day. Upon registering with XXXX XXXX, I discovered that my trial subscription had accidentally locked me into a six-month commitment. Despite promptly attempting to cancel, I encountered resistance and was informed that I would be charged the full subscription amount, irrespective of usage. Despite seeking assistance from both PayPal and XXXX XXXX, I found myself unable to resolve the situation, highlighting a troubling trend of users being financially disadvantaged in such scenarios.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been trying for months to submit a dispute on both Transunions website. My credit report will not pull up. XXXX and XXXX pull up fine. I've also tried to access Transunion through myannualcreditreport. It will not pull up. Transunion 's score is XXXX points lower than both XXXX and XXXX and is used quite frequently. We just had an account closed ( 15 year account holder with no derogatory history ) because of Transunions low score. Who provides oversight to these bureaus? How can three agencies with the very same info have one agency so far apart from the other? XXXX points is way too significant.
Consumer complaint received 2023-10-07
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (RI)

On XX/XX/2023 I went to the Chase Bank in XXXX, RI to close my deceased brother 's savings and checking account. I presented a death certificate, certificate of trust and a will as proof of my legal claim to close the account. The bank refused to close the account. I had to hire a lawyer who presented the same paperwork, on XXXX XXXX, to a Chase bank in Florida, where my brother lived. The Chase bank, in Florida, could not provide a reason why the RI branch refused the request to close the account. I went back to the the RI branch, on XXXX XXXX, and told them about what the Chase bank in Florida stated. I provided the name of the XXXX XXXX person and phone number to the RI branch XXXX who spoke to the Florida XXXX. The RI XXXX looked at the paperwork submitted by the Florida XXXX, which was the exact same paperwork I submitted on XXXX XXXX. On the XXXX of XXXX. I was called by the RI XXXX and informed I could close out the account. On XX/XX/XXXX, I closed out the account. I had the expense of hiring a lawyer and would like to be reimbursed for that expense.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I have contacted Chase multiple times requesting to stop being sent credit card offers,, and they have ignored my requests. 
The last time I called them,, the rep required me to provide my social security number. I do not have an account with them, so they should not have or need my social security number
Consumer complaint received 2024-04-03
Product: Credit 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: AMERICAN EXPRESS COMPANY (TX)

I made ( XXXX ) purchases to XXXX through XXXX on XX/XX/year>. I reached out to XXXX  via email as that is the only contact information they provide to confirm my purchases. I received a message back that the email address was invalid. I reached out to XXXX and asked for their assistance. XXXX directed me to file a claim with my credit card company. I filed ( XXXX ) disputes with my credit card company AMEX. Amex then filed chargebacks against XXXX. XXXX provided documents & tracking number via XXXX indicating my package was delivered to an address in the same city as my address via XXXX. I reached out to XXXX and confirmed the package was not addressed to my address via the tracking number XXXX  provided. Apparently this is a common fraud practice where the merchant will send a package to a random address in the same zip code and use this as proof of service to the credit card company. These matters remain unresolved with XXXX, XXXX & AMEX. I have submitted a Service Request to the XXXX requesting a formal report on the tracking number XXXX provided. XXXX and AMEX have not been willing to provide contact information to XXXX so that I might pursue resolution directly with them. It appears XXXX has dropped XXXX from their website. I need your assistance in bringing resolution to this matter. Thank you!
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have filed with the Federal trade commission about this issues the case number is FTC XXXX. I keep explaining over and over this account was opened with identity theft and they failed to investigate the issues the police report number GO # XXXX XXXX was filed in the XXXX XXXX XXXX XXXX. I have given this company copies after copies and they failed to remove this off my report. I have even reached out to them personally and they still fail to acknowledge this is not mines but insists that my address is on the documents they have and my signature. But have failed to provide me with this information and have yet to see that the address they have is not the address on this so called contract. Therefore this is not even legal according to FCRA regulations.
Consumer complaint received 2023-10-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC. (NY)

I have 2 accounts that are opened on my report. The dates are completely inaccurate and show the day the account was opened into collections and not the day i opened the acutal account both accounts were opened in 2016. They should Be charged off
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (FL)

I have a 30 year fixed mortgage with no escrows by the bank. I am current with my insurance and taxes on the home. The mortgage was under First Republic bank and taken over late 2023 by Chase bank. Chase bank is now administering the online for the mortgage and payments. Chase is fraudulently add escrow money that I owe and adding escrow fees to the mortgage bill. They have been doing this for over 2 months despite numerous calls and most important proof of my insurance payment and coverage. Chase and First Republic keep passing the blame to each other while Chase continues to charge me fraudulently for escrow. I have confirmation from my insurance agent that they contacted both banks and confirmed insurance paid but Chase fraudulently states they do not have confirmation and keeps fraudulently charging me escrow fees. I view this is as a scam by Chase to defraud customers innocently being converted from First Republic with fraudulent bank escrow fees. Chase need to be investigated and reprimanded accordingly.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (PA)

Kindly forward all my letters to the assigned Consumer Reporting Agencies and Collection Department because I have multiple disputes concerning the incorrect and inaccurate accounts that they've furnished on my credit report.
Consumer complaint received 2023-10-07
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. (WI)

Hi, Experian is reporting fraud information on my credit report from a 3rd party company XXXX XXXX XXXX which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much XXXX points!! This is hurting my goals of buying my 1st home & new car! Im so devastated & need Experian & or the company to remove this fraud immediately from my credit report. Both XXXX XXXX XXXX XXXX Experian are violating my rights & breaking the law. I have uploaded supporting docs. Thank you
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (CA)

I was a student at XXXX XXXX XXXX and upon graduation found employment at an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the better part and when I applied for another graduate program and doctorate I was denied application because my records could not be confirmed or found.

My records were apparently misplaced during a relocation or campus transplant. At any rate I have loans for the programs I completed but not records on file.

I have made several attempts to contact the school and institutions responsible for the loans but they have all failed to assist me. The program I was in has since expired and the program must be completed again in its entirety.
Consumer complaint received 2023-10-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

XX/XX/2023, Citi reported 30 days late. XX/XX/XXXX, called Citi, promised to delete 30 days from CB. XX/XX/XXXX, disputed w/XXXX  # XXXX. Rec letter from Citi remove over credit limit acct XXXX. XX/XX/XXXX, ACH payment XXXX uploaded letter to Citi XXXX XX/XX/XXXX, credit line was deleted marked paid in full. filed dispute # XXXX w/XXXX, called Citi, promised to correct info, reported closed card end XXXX. The correct card ends XXXX its active, paid on time. Spoke to XXXX, figured out acct numbers were wrong. XX/XX/XXXX, disputed w/XXXX  # XXXX account was put back on report with 30 day late remained on file. Received a letter from Citi stating they may have given me incorrect information apologizing for the inconvenience. XX/XX/XXXX, called XXXX and Citi, asking status, why 30 day late remained on file. Credit score dropped, reporting most recent account is 1 month old. XXXX  XXXX XXXX lowered my credit limit due to recent info reported. My Credit score was XXXX dropped to XXXX. I uploaded proof of XXXX payment, letters from Citi with discrepancies, inaccurate account numbers on every letter from Citi. Credit was denied, spent hours on the phone. Citi ref
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Presons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. ChexSystems and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days of I will forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.
Consumer complaint received 2023-10-07
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. (FL)

UN-AUTHORIZED INQUIRIES 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 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