davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

Collection agency : Midland Credit Management , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Alleged claim of debt amount : {$1200.00} Their assigned account # : XXXX Their claim of representation : CitiBank/Sears Midland Credit Management has written to me on XXXX separate dates demanding I pay their claim of alleged debt. Each time I have replied, in writing, that XXXX validate their claim of debt and prove they are licensed/registered to collect debts in the state I live in. Each and every time I have sent my reply Midland has ignored/refused to validate their claim of alleged debt. 

In addition they have called me on numerous occasions despite being advised in writing not to call me and to handle their alleged claim in writing. I have all XXXX copies of the demand letters they have sent me and all XXXX copies of my written demand to validate their alleged claims including XXXX certified letter receipts signed by Midland associates proving they have received my demands. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (FL)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (OR)

I am a desperate consumer and I need to get a fair solution to this issue. I am submitting this complaint because I am being extremely affected by JPMORGAN CHASE BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

In XXXX of this year, I attempted to combine 2 of my JPMORGAN CHASE BANK business card limits into one account. 

I called JPMORGAN CHASE BANK and with the help of the phone representative I was able to close my Chase business account ending XXXX and transfer the available credit limit to another other card ending XXXX, thereby increasing the limit on the open business card ( combining credit limits ). 

Once the account ending XXXX was closed it was removed from my JPMORGAN CHASE BANK online profile and I was told the account was paid off and closed. 

Weeks later, Chase calculated there was an extra interest payment due, which I was unaware of at the time. Because card was closed, I couldnt see the account online and see if there were any new charges. 

Moreover, it was on auto pay before and that too was cancelled. It was around a {$20.00} interest charge. 
They reported me late for XX/XX/XXXX and XX/XX/XXXX! 

JPMORGAN CHASE BANK claims they were mailing notices, to an older address of mine, I have not lived at in years. Moreover, I was travelling at the time and every time I logged in Chase did not show me anything about a past due account. This is completely unfair and is a negligence on Chase side. 

Information Account : Balance : {$0.00} Credit limit : {$500.00} Opened : XXXX. XXXX, XXXX I WANT TO GET THE ACCOUNT REMOVED FROM ALL 3 BUREAUS OR THE LATES TO BE CORRECTED ASAP.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

- Phone was stolen at a restaurant in the evening - Before I could deactivate it, culprit was able to change my XXXX XXXX password - Culprit changed my Chime login information so I could not login - In addition to other finance related offenses committed by the culprit ( that have since been resolved ), they sent the following from my Chime checking account to my XXXX XXXX XXXX  : {$500.00} {$500.00} {$3400.00} {$500.00} {$4500.00} {$30.00} {$490.00} TOTAL : {$9800.00} These were all done fraudulently without my approval. Since then, I have fruitlessly been in contact with Chime to resolve the matter but to no avail ( see below for timeline ), even including a police report to my claim. 

XXXX - I filed claim to dispute transactions- I reached out to Chime requesting to cancel all transactions/ inform Chime account has been compromised XXXX - Chime denied first claim for {$520.00} XXXX - Chime acknowledges my email from XXXX that my phone has been compromised XXXX - Chime denied rest of claim of {$9400.00} XXXX - I resubmitted claim. Attached additional documentation to it ( i.e. crime report, etc. ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - I resubmitted claim. Also messaged their XXXX XXXX. 
XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) XXXX - Chime denied full claim of {$9900.00} ( again ) This timeline is missing calls I've made to them, which were plenty. In addition, they have sent me the documentation they used to make this assessment twice. Neither time did it include the crime report or the documentation I shared with them outlining what happened that night. 







Personal Statement : On the night of XXXX, someone stole my phone and managed to get access to all my financial information. Since that time, this individual has caused significant damage to me both personally and financially. 

They have caused > {$20000.00} in tax damages. They have committed > {$20000.00} in fraud, etc. 

That night I was going out with other travelers. My phone was stolen at a bar. Somehow the individual was able to gain access to my XXXX account. 

Below I documented all the events. I will update if I find any additional information.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-10-06
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. (GA)

I fully know the following accounts arent mine and I sent a FTC and police report To Experian to validate my claims and they haven't honored the law.

According to the Fair Credit Reporting Action and Section 605B, Experian must block information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) as a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The key word is alleged identity theft. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-30
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$0.00}
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (TX)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Ive looked at my report and noticed that there are late payments on my report on account XXXX XXXX Acct number XXXX Under law usc 15 1666 B ( a ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan Repost late for any purpose. 
This is violating my rights and consumers law these late payments meed to be removed asap
Consumer complaint received 2019-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

XX/XX/XXXX : PennyMac Loan Services, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. NMLS ID # XXXX provided payoff statement on XX/XX/XXXX for XX/XX/XXXX. The amount was {$190000.00}. 

XX/XX/XXXX PennyMac Services, LLC received the wire transfer on XX/XX/XXXX XXXX  XXXX XXXX has confirmed that PennyMac has received the Payoff ( {$190000.00} ) on XX/XX/XXXX at XXXX EST.PennyMac did not provide a written final payment statement after request. 

XX/XX/XXXX to XX/XX/XXXX Pennymac has not applied for the payments correctly and closed the loan. 
PennyMac has not responded to the written emails.

PennyMac has not provided the final statement and the ETA to release the lien. 

Customer Complaints : Applying your payments correctly, Misreporting mortgage account status to you or to credit reporting agencies, Paying additional fees
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America contacted me by email and text on XX/XX/2020. They wanted me to verify if several charges had been made. There were several one dollar declined charges from XXXX XXXX XXXX XXXX in XXXX TX that they presented to me and one that was actually mine from XXXX. I identified the charges that I did not make and they cancelled my card and sent me a new one. The next day I looked on my account and noticed that they had let a XXXX XXXX dollar charge go through from the same grocery store. I called them directly and let them know this. At this time my account was overdrawn and I wanted to make sure that they did not charge me an additional XXXX XXXX dollar insufficient fund fee. She thank me for making them aware of it and ask me questions. such as did I have my card or did I know of anyone who could have my card. They did not credit my account for the XXXX XXXX dollars until XX/XX/2020. The credit is pending while they investigate the fraudulent incident. This is not their normal operating standards. They normally will not let me over draw my account while making purchases with my debit card, but they let this one go through. Additionally they are now telling me that the credit is pending. I can prove that I was at work in XXXX, TX at the time of the fraud.
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

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 : Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> Late Payment XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( Equifax ONLY ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and Equifax has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on Equifaxs reporting. My credit score drop needs to be reversed, otherwise they are committing fraud. I submitted this complaint and I made attempts to call them however, they have persistently given me a hard time to dispute because they claim that they can not verify my identity and also I have noticed random inquiries in my account after providing them such information so they are also tampering with my identity which is another offence. Equifax is under many violations and if they do not attempt to fix this incorrect reporting and to not tamper with my identity, I will escalate this further and get authorities involved.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

T

hey are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX reported to credit bureaus without my consent. I gave consent to XXXXXXXX XXXX but nowhere on the contract does it states that they permission to rep ort to anyone. It clearly states on the document that XXXXXXXX XXXX provided that XXXXXXXX XXXX has permission.
Consumer complaint received 2024-10-15
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute inaccurate and incomplete information on my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my report dated XX/XX/year>, I have identified several discrepancies and accounts that I do not recognize. Per Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that you promptly investigate these items and either correct or remove them from my report.

The FCRA mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, 15 U.S.C. 1681s-2 requires information providers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate. This regulation further obliges consumer reporting agencies to promptly delete or modify any information found to be inaccurate or incomplete following a consumer dispute. 

Below are the accounts I am disputing, as they are either incomplete, inaccurate, or not mine : Accounts to be Investigated : XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX  Equifax XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Equifax : [ not listed ] XXXX : [ not listed XXXX XXXX : XXXX I request that you promptly investigate these inaccuracies and provide me with a written response outlining the results of your investigation. Upon resolution, please send me an updated copy of my credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. Should you require any further information from me to assist in your investigation, please feel free to reach out.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!