davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Payfare International Inc. (LA)

I have a XXXX XXXX card and i have a bunch of unauthorized transactions on my card. I have tried to contact the XXXX  support but they hung up on me when i asked to talk to a supervisor. 

Listed below are the unauthorized transactions. 
XX/XX/2023 - XX/XX/2023 XXXX {$93.00} XXXX {$97.00} XXXX {$56.00} XXXX {$68.00} XXXX {$69.00} XXXX {$74.00} XXXX {$53.00} XXXX  {$74.00} XXXX {$56.00} XXXX {$57.00} XXXX {$78.00}
Consumer complaint received 2023-07-21
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. (NC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX DATE ( XX/XX/2023 ) {$560.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) {$220.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) XXXX I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (WA)

I have no outstanding debt in arears and have NEVER defaulted on a debit. I receive multiple calls from MRS associates a day leaving a message to call them about a time sensitive issue. I block the calling number and then receive the same message from a different number, leaving a message in a different voice but exact same script. 

I am not going to return their call because I do not owe any past due bill/debits/loans.. If I truly am the person they want to talk to they can send a letter describing the issue and I'll gladly reply telling them they have the wrong person. 

I assume they are fishing for someone with a similar name or were given my name in error. Either way until they provide context for their call in their message, which they won't because it is an automated dialer/message, I will continue to ignore them and block their number.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (IL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MN)

I applied online at XXXX for the XXXX XXXX XXXX, provided through Synchrony Bank, on XX/XX/2018. 

XXXX did a credit pull inquiry on that day, and momentarily approved my card application. Here is the record of it on my XXXX XXXX XXXX credit monitoring report : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCB/XXXX Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, FL XXXX This is all expected. 

Then, the following day XX/XX/XXXX18 I was notified of additional activity on my credit report, because Synchrony pulled my credit again for the same card and original application, with no consent from ( or contact of ) me in the meantime. Which thus caused a corresponding minor but non-zero decrease in my credit score. Here is that record : Alert Type : New Inquiry Processed Date : XX/XX/2018 Inquirer 's Name : SYNCHRONY Phone : ( XXXX ) XXXX Type of Industry : Bank Address : XXXX XXXX XXXX, XXXX, GA XXXX Given XXXXXXXX XXXX size and their ability to strongly market this product and incentivize customers to apply, this could easily be negatively impacting the credit ratings of hundreds of thousands or even millions of people!
Consumer complaint received 2020-11-02
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. (MD)

RE : Chase Cardmember Services XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX Claim ID XXXX This matter concerns a matter with Chase Credit Card services and a disputed charge which Chase will not investigate fully. I am getting form letters from Chase with denials but no explanation. I would like to speak to someone with the authority to investigate fully so they can truly resolve the matter. 

This is regarding a charge on XX/XX/XXXX listed as XXXX  for {$1100.00}. On XX/XX/XXXX, my company paid XXXX {$1100.00} using my Chase Credit card and sent to payment processor XXXX On my statement, I did not recognize the vendor ( Appears as XXXX on his statement, different than the vendor name ). I could not contact XXXX I cancelled the payment via Chase. In the meantime, I paid the vendor separately and have documentation. 

Chase determined the charge to be valid and reversed the dispute. Due to problems with their secure messaging system and fax machines, they made denials without looking at my full documentation. I finally sent my documentation via US mail in XX/XX/XXXX. I asked for a full review and for someone to contact me. Regardless, Chase is denying my appeal without a full review of my documentation. 

I have clearly paid this vendor separately. Chase has not paid my vendor separately. They are holding on to {$1100.00} and keeping it for themselves. 

They are using their internal problems with secure messaging and fax machines to justify a denial based on the length of time the that has passed. 

I sent Chase copies of the checks sent and letters from my vendor saying he has been paid separately. 

It is very clear to me that Chase is in possession of the funds. Wave has returned all the money. 

I attached copies of the check I sent to the vendor as well as a letter from my vendor stating that he has been paid.
Consumer complaint received 2023-07-21
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: Spring Oaks Capital, LLC (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-12-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I had received a missed call from an XXXX XXXX. However after several attempts she refused to pick up the phone and according to her Co. Worker XXXX she can not speak to me because I has an Attorney by the name of XXXX XXXX however he withdrew himself as you will see on the attachments on or about XX/XX/XXXX. He lied to me prior to getting my money that he had absolutely no association with Wells Fargo only to find out after he sold me out working undercover for them that he has a Checking Account with them. So now Wells Fargo is spitefully attacking me over this. And sadly XXXX XXXX who wrote the letter dated XX/XX/XXXX With the phone number XXXX XXXX XXXX appears to be an outdated or maybe false contact individual due to the fact she never answers her phone and her voicemail greeting is dated XX/XX/XXXX. And the supposedly Home Preservation Specialist XXXX XXXX XXXX XXXX XXXX XXXX Ext XXXX hasnt returned any of my calls. And sadly this is a case of fraudulent conduct and retaliation tactics because I had complained to you all and fired their counterfeit lawyer whose been working undercover for them by the name of XXXX XXXX. They fails to mention that XXXX XXXX, XXXX has been communicating with real attorney on my behalf but they continue to lie and play games despite my mother XXXX XXXX being deceased which means shes no longer on the mortgage. However because its too much like right Wells Fargo doesnt want to do whats right and originally this case was actually supposed to go to a Jury Trial. But when I got rid of a prior Attorney by the name of XXXX XXXX from legal aid who was also working undercover with them. Then all of a sudden they filed the Sheriff Sale Action against me but I didnt have the time to even file a legal response because by that time the Courts were closed due to the COVID 19. I would however request that these harassing games stop immediately and that I can get on to paying this monthly mortgage
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (FL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2018-12-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

Based on this post. 
I didn't get any emails, any mail letter, any phone with any voice message that My wages will be garnished I tried this is the 2nd involuntary 15 % of my paycheck that is withhold and they do not want to negotiated anything. My next paycheck will be on XX/XX/XXXX and they will take our from my back account and not directly from employer, however the are not willing to negotiated at all. and provide only no answer with not explanation and no documentation. 

https : //studentaid.ed.gov/sa/repay-loans/default/collections # wage-garnishment I have the right to : be sent a notice that explains EDs intention to garnish your wages in 30 days, the nature and amount of your debt, your opportunity to inspect and copy records relating to your debt, your right to object to garnishment, and your option to avoid garnishment by voluntary repayment ; be given an opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement ; be given an opportunity for a hearing to present and obtain a ruling on any objection you have to the existence, amount, or enforceability of the debt ; any objection that garnishment of 15 percent of your disposable pay would produce an extreme financial hardship ; or any objection stating that garnishment can not be used at this time because youve been employed for less than 12 months after having previously been involuntarily separated from employment ; have the garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued ; not be discharged from employment, refused employment, or subjected to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs ; initiate any legal action against your employer if the employer discharges, refuses to hire, or takes disciplinary action against you based on the garnishment action ; and not have any information provided to your employer regarding the garnishment other than what is necessary for the employer to comply with the withholding order.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (WI)

XXXX XXXX XXXX is the original creditor and report in error to Americollect and has failed to remove this error from all 3 bureaus, only removed from XXXX still showing on XXXX and XXXX. I have called the credit bureaus, XXXX and Americollect since last year.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, 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. (MN)

Personal Statement I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX , XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Consumer complaint received 2023-07-21
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: Receivables Management Corporation (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of. 

I have never done business with your company at all.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (VA)

I recently received a letter from Lowe 's stating that my account with them was closed. I would like to report their unfair practices towards XXXX XXXX  card holders. I didn't owe them any money and my card was in good standing. I paid this account off in XXXX or XXXX.The closed my account in XXXX. Damaging my credit score/rating.If you investigate you will find that they have implemented this practice only on their minority card holders.
Consumer complaint received 2018-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

Tried Opening a checking account with Chase in XX/XX/2018. I was told that I have been banned from having any accounts with Chase by the loan officer, they gave me no reason as to why I was not allowed to open an account and why I was blacklisted. I have never had any type of accounts with Chase or have ever done business with Chase. The loan officer said my account was flagged in XX/XX/2011 but I was in high school at the time and did not have any history with chase at that time.
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (FL)

I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from Unifin. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. 

This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name XXXX XXXX XXXX ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. 

The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. 

Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to Unifin by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (FL)

The Department of Education has requested a copy of the call from XX/XX/XXXX as proof I contacted them and asked for a forbearance. I confirmed with several representatives that confirmed the conversation on XX/XX/XXXX and XXXX representative that pulled the call and acknowledge I called to request the forbearance. They are failing to acknowledge or take responsibility that their representative made this error and correct the reporting. Also they finally placed the Forbearance on the loan active as of XX/XX/XXXX but reporting me 90 days past due for XXXX. This shows there is incompetency with this company but yet I'm being penalized.
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (VA)

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account 's high balance, nor do I recognize the later payments associated with it. Everything reported here does not meet the FCRA.

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (TX)

On XX/XX/2021 a purchase was made on my chime credit builder card for {$240.00} from XXXX that I did not authorize. I filed a complaint with chime and a few days later I was told that they didnt find any error and they were closing my dispute and not reversing the charge. I asked for the documents they used to determine there was no error and they sent me a letter stating that they called the merchant and the merchant said that my name billing address and email were used for the purchase ( letter is attached below ). I have never done business with XXXX. Chime is giving me the run around so they dont have to re open the dispute. They said if I send proof that I didnt make the purchase they can re open. When I ask what proof to send because o didnt make the purchase. they say anything to prove that but not giving me specific documents. Ive sent my web browser history, my emails showing I have never received and email from XXXX  and they keep saying thats not sufficient but. It telling me what to send in a case of fraud.